IOSR-JBM   Volume-19 ~ Issue-10 ~ October-2017

Abstract: Background: The aim of this study is to find out the response of small textiles traders of Aligarh district in U.P. regarding cashless payment system. Methods: In order to find out whether they accept the cashless payment system or not, 50 small textile traders have been questioned through structured questionnaire. Results: The study indicates that with the demonetization, small traders are finding it very difficult to sail through their daily operations. Most of the textile shops are proprietor-oriented and are managed by just an individual, which implies that exchanging their money or withdrawing it would require them to shut their shops for the whole day, which again would result in loss. More over they need ready cash in their hands so they prefer cash basis payment system..........

Keywords: Cashless Economy, Electronic Payment, Textiles traders

[1]. Ministry of Textiles, Govt. of India.
[2]. http://www.assocham.org/
[3]. http://www.icra.in/Files/ticker/Apparel.pdf
[4]. https://www.ibef.org/industry/indian-textiles-and-apparel-industry-analysis-presentation
[5]. Odi, N. & Richard, E. (2013). Electronic Pyment in Cashless Economy of Nigeria: Problems and Prospects. Journal of Management
Research, Vol. 5, Issue. 1, 138- 151..

Abstract: Customer relationship management characterizes a firm-level capability that is armored by specific technological, organizational and human capability.Thatis highly appreciated in the market for existing and current customers.CRM is defined as a significant factor in business among companies to maintain and increase their clienteles hence in this paper we look at some factors that are necessary for an effective CRMconsidering customers as insiders to the business and not outsiders.Often the disappointing results of CRM arrangements are related to difficulties that managers encounter in embedding CRM in their strategy and organizational structure.CRM aims to build a long-term relationships.........

Keywords: Customer Relationship Management, Capabilities, Performance, Customer Satisfaction,

[1] Barua, A., Kriebel, C.H. and Mukhopadhyay, T. 1995. "Information Technology and Business Value: An Analytic and Empirical Investigation,"Information Systems Research
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[3] C.B. Battacharya and R.N. Bolton, "Relationship Marketing in Services: Growing Interest, Emerging Perspectives," in Handbook of Relationship Marketing (Thousand Oaks: Sage Publications, 1999): 327-354.
[4] Day, G.S., &Van den Bulte, C. (2002). Superiority in Customer Relationship Management: Consequences for Competitive Advantage and Performance. Cambridge: Marketing Science Institute.
[5] Hasan, D., Ali Reza, K., & Hadi, A. (2012). Studying the Customer Relationship Management: A Case Study at Persian Technology Firm. Petroleum - Gas University of Ploiesti Bulletin, Technical Series, 64(2), 1-18..

Abstract: The Indian rural market has a very vast size as well as demand base with great potential and opportunities for the organised rural retailers. More than 70% of Indian consumers are living in rural areas. Still, the rural market of the country is unexplored and neglected area for themarketers andespecially, by the organised retail sector. The present research work concentrated on the acceptance of organised retail in rural areas of U.P., India.In order to study the reasons of organised retail brands' acceptance and awareness level in
rural areas, items (independent variables) related to five major SQL dimensions were included in the questionnaire to finally evaluate the perception of the retailers for the same. The five major SQL dimensionswerePhysical evidence, Distribution, Product, Price and Behavioural Competence. A questionnaire was distributed among retailers in the rural areas to measure the acceptance level of organised retail brands in rural areas from the retailers' perspective. In order to identify the Factors determining the acceptance and awareness of organized retail in rural markets, factor analysis was performed to analyse the data.

Keywords: Organised Retailing, Brand Acceptance, Brand Awareness, SQL Dimensions & Rural Areas

[1]. Aaker, D. (1990). Consumer evaluations of brand extensions. Journal of Marketing , 27-42. Aaker, D. (1996). Building Strong
Brands. The Free Press, New York.
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Abstract: R&D activity helps to develop firm's capability, enhancing its ability to learn new technologies and to match technological possibilities which sustain its market position. This paper investigates the effect of international trade on firms' R&D investment. The objective of the study is to understand the role of Research and Development investments on the International Trade performance of the sample firms. Data for the study was collected from CMIE Prowess Database for the period of 10 years from 2008-2017. The statistical tools namely Correlation, Regression and Granger Causality were used for the study. The study revealed that variables Export Intensity and Technology Import Intensity alone had their impact on the Research and Development investments of the sample firms during the study period.

Keywords: International Trade, Multinational firms, Research and Development Investments, Correlation, Regression and Granger Causality.

[1]. Andrew B.Bernard and J. Bradford Jensen (2007).Firm Structure, Multinationals and Manufacturing Plant Deaths. The Review of Economics and Statistics.Volume 89 (2) p.193-204.
[2]. Anthony Goerzen and Paul W. Beamish (2003). Geographic Scope and Multinational
[3]. Enterprise Performance.Strategic Management Journal.Strat. Mgmt. J., 24: 1289–
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[5]. Aspasia Vlachveiand OuraniaNotta (2008). Firm Growth, Size and Age in Greek firms.International Conference on Applied Economics – ICOAE 2008 915..

Abstract: This study sought to determine the effect of mobile-based lending platform on non-performing loans in commercial banks in Nakuru town, Kenya. Precisely, the study assessed how loan appraisal process using the mobile platform affected NPLs in commercial banks. The study adopted a descriptive survey research design. The 172 credit officers working with 37 branches of commercial banks based in Nakuru town when the study was done, comprised the study population. A sample of 64 credit officers was obtained from the study population using stratified random sampling method. A structured questionnaire was used to collect data. A pilot study was carried out prior to the main study with the aim of determining both the reliability and validity of the research instrument. The Statistical........

Keywords:Commercial banks, loan appraisal process, mobile-based lending platform, Nakuru town, non-performing loans

[1]. Agu, O.C., & Basil, C.O. (2013). Credit management and bad debt in Nigeria commercial banks – Implication for development. Journal of Humanities and Social Science, 12(3), 47-56.
[2]. [2] Dolam, R.N., & Collender, J.A. (2001). Agricultural banks and the Federal home loan banks system. Agriculture Finance eview, 25, 57-71.
[3]. Haneef, S., Riaz, T., Ramzan, M., Rana, M.A., Ishaq, H.M., & Karim, Y. (2012). Impact of risk management on non-performing loans and profitability of banking sector of Pakistan. International Journal of Business and Social Science, 3(7), 307-315.
[4]. Hoover, R. (2016). Kenya‟s KCB Bank Dials up Growth with Mobile Loans. Accessed on December 5, 2016
[5]. from: http://investinginafrica.net/kcb-mobile-lending/..

Abstract: The purpose of this research paper is to examine, the job satisfaction act as mediator variable mediator between employee intelligence and organizational structure. In this paper organizational structure is the dependent variable; employee intelligence is the independent variable and job satisfaction act as mediator. The results of this study are drawn on the bases of available literature. The results showed that there is a significant positive relationship among employee intelligence and job satisfaction; and there is a significant positive relationship among job satisfaction and organizational structure. In addition, there is no direct link exists between organizational structure.........

Keywords:Human Resource Practices, Impact Of HR Practices, Job Satisfaction, and Organizational Performance

[1] Mustabsar Awais, Muhammad Shaukat Malik, Amina Qaisar A Review: The Job Satisfaction Act as Mediator between Spiritual Intelligence and Organizational Commitment, 5(4), 203-210, 2015.
[2] Hamdia Mudor, Phadett Tooksoon Conceptual framework on the relationship between human resource management practices, job satisfaction, and turnover Journal of Economics and Behavioral Studies Vol. 2, (2)2, 41-49 2011.
[3] Hiba A. Masri, Ayham A.M. JaaronAssessing green human resources management practices in Palestinian manufacturing context: An empirical study Journal of Cleaner Production, Volume 143, 1 February 2017, Pages 474-489.
[4] Musonda Kasonde, Pamela Steele, The people factor: An analysis of the human resourceslandscape for immunization supply chain management Vaccine, Volume 35, Issue 17, 19 April 2017, Pages 2134-2140
[5] Andrea Gabriela Rivero, Guillermo Enrique Dabos Gestión diferencial de recursos humanos: una revisión e integración de la literatura Estudios Gerenciales, Volume 33, Issue 142, January–March 2017, Pages 39-51.

Abstract: Many tertiary educational institutions in Kenya face financial challenges. The general objective of the study was to determine the influence of corporate governance on financial management in tertiary institutions in Nakuru County, Kenya. The specific objectives included to examine the influence of corporate leadership and transparency on financial management of these institutions. The theories reviewed in this study included stewardship theory, institutional-centric theory of finances and agency theory. This study adopted a cross-sectional research design. The management and finance officers working with the tertiary institutions in Kenya constituted the target population. The 324 aforementioned staff working with the tertiary institutions in Nakuru County comprised the accessible population. Stratified random sampling was used to draw 58 respondents from the accessible population. A structured and self-designed questionnaire which was also self-administered was used to facilitate data collection..........

Keywords:Corporate governance, corporate leadership, financial management, tertiary institutions, transparency

[1] Private Sector Initiative for Corporate Governance (2012).Principles for Corporate Governance in Kenya. Nairobi: Private Sector Corporate Governance Trust.
[2] Abdullah, A. (2005).Corporate Governance in Tertiary Institutions. Accessed on March 12, 2017 from: http://smallbusiness.chron.com/corporate-governance-tertiary-institutions-13093.html.
[3] DeSocio, D. (2012). Future Trends in Higher Education Board Governance. Retrieved on January20,2017from:https://www.universitybusiness.com/article/future-trends-higher-education-board-governance.
[4] Barac, K., & Marx, B. (2012). Corporate governance effectiveness and value added at South African Higher Education Institutions: A registrar's view. Journal of Economic and Financial Sciences, 5(2), 351-3762.
[5] Adayemi, (2014). Corporate governance and cooperative societies: A survey of tertiary institutions in Oyo, Nigeria. Developing County Studies, 4(12), 8-17.

Abstract: Health systems mostly in the developing countries are faced with the challenge of dissatisfaction by patients in terms of their health care experience in that they want more information and a higher degree of quality services. This creates the need to improve the 'system' through which health services are delivered. One way to improve this is by recognizing the role played by employees which calls for new approaches while recruiting, training and retaining the labor force. Management have to come up with a number of innovation practices in order to have a relevant system of employee performance. Such practices include work life balances and online recruitment practices. In order to enhance the understanding of the mentioned variables, the study employed resource- based view theory and ability, mobility opportunity theory. In addition, the study adopted a descriptive research design. Census design was........

Keywords:Employee performance, National Hospital Insurance Fund, online recruitment practices, strategic human resource innovation practices, work life balance

[1]. Tan, C. L.,& Nasurdin, A. M. (2010). Human Resource management practices and organizational innovation. Journal of Applied Business Research. Vol.2 (4), Pp. 105-115.
[2]. Agarwal, T. (2002). Innovative human resource practices and organizational committment. International journal of human resource management.Vol. 4,(2), Pp.175-197.
[3]. Collins, C. J.,& Clark, K. (2003). The role of human resource in creating organizational competitive advantage. Academic Management journal. Vol 46(6), Pp. 740-771.
[4]. Holbeche, L. (2004). Aligning human resources and business strategy. Oxford: Elsevier Butterworth- Heinemann.
[5]. Armstrong, M.,& Murlis, H. (2004). Reward management: A Handbook of remuneration strategy and practice.(5th Ed.). London: Kogan page Limited.

Abstract: This study aims to analyze the effect of Profitability and Corporate Governance Structure on dividend policy and its impact on the firm value. The population in this research is manufacturing companies listed in Indonesia Stock Exchange as many as 146 companies. The research sample as many as 58 companies, the period of 2013 to 2015. Sampling technique used is purposive sampling. The data analysis technique used is WrapPLS. The results showed that profitability have a negative and significant effect on dividend policy. Profitability has a negative and significant effect......

Keywords:Profitability, corporate governance, dividend policy and firm value

[1] Ahmad, J., (2007), "The Effect of Litigation Risk and Strategy mode on Conflicts of Interest and the relationship between accounting conservatism", National Symposium Papers Accounting set X
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