IOSR-JBM   Volume-19 ~ Issue-3 ~ March-2017

Abstract: All of the sharia Bank in Indonesia should met the CAMEL criteria that have been used by Central Bank in Indonesia. CAMEL itself stands for Capital, Asset, Management, Earning and Liquidity. The purpose of this research is to see whether CAMEL able to predict management behavior in sharia bank in Indonesia. The model itself is based on Grange Causality which is introduced by Berger & DeYoung (1997) and then later used by Reddy (2011) to observe banking management behaviour in India. Based on the research, we found that sharia bank in Indonesia experienced a bad management hypothesis.

Keywords: CAMEL, Sharia Bank, management behavior, Granger Causality

[1] Achan, N. V. (2014). Analisis Kinerja Bank Syariah Murni dengan Bank Syraiah Campuran Pada Tahun 2011 dengan Menggunakan Metode CAMEL : Studi Kasus Pada Bank Syariah Diseluruh Dunia. Universitas Diponegoro.
[2] Bank Muamalat. (2015). Annual Report Bank Muamalat 2015.
[3] Berger, A. N., & DeYoung, R. (1997). Problem Loans and Cost Efficiency in Commercial Banks. Journal of Banking & Finance, 21(6), 849–870. http://doi.org/10.1016/S0378-4266(97)00003-4
[4] Berger, A. N., Hunter, W. C., & Timme, S. G. (1993). The efficiency of financial institutions: A review and preview of research past, present and future. Journal of Banking and Finance, 17(2–3), 221–249. http://doi.org/10.1016/0378-4266(93)90030-H
[5] Demirgüc-Kunt, A. (1989). Deposit-Institution Failures: A Review of Empirical Literature. Federal Reserve Bank of Cleveland Economic Review, 25(4), 2–18.

Abstract: The current research broadly thrusts upon elucidating the perception of Commercial Bank employees 'of Bhubaneswar towards performance management system (PMS).A blend of qualitative (focus group discussion) and quantitative techniques (primary survey through questionnaire) were followed to fulfill the purpose of the research. The preliminary results of the research show that, the overall perception of bank employees' towards PMS is satisfactory. But there is an indication of dissatisfaction amongst employees pertaining to their involvement in goal setting, linkage between financial target achievement & annual bonus, reward system and encouragement of innovation.........

Keywords: Balanced Score Card, Effectiveness, Employee, Perception, Performance Management System

[1] RBI, Directory of Bank offices, 2014, Retrieved from http://www.rbi.org.in/scripts/certainconcepts.aspx on 05/09/2014
[2] Chakrabarty, K.C , Human Resource Management in Banks – Need for a New Perspective, RBI Monthly Bulletin, July, 2012
[3] Armstrong, Michael & Baron, performance management: a strategic and integrated approach to achieve success (Jaico Publishing House, Mumbai, 2007)
[4] A.S Kohli and T. Dev, Performance management (OUP India, New Delhi, 2008)
[5] Stephen Bevan , Performance Management HR Thoroughbred or Beast of Burden?, The Work Foundation, 2014 retrieved from http://www.theworkfoundation.com/DownloadPublication/Report/376_Performance%20Management.pdf on 15/10/2016

Abstract: Information Technology has transformed the way people work. Plastic money yet another revolution which is changing the way businesses buy and sell products and services. Customers can access services such as banking, insurance and travel reservation without stepping out of these homes or offices. Such technological advances facilitate the development of new electronic markets. The need for adequate security is vital issue in internet banking. If systems used for internet banking are secure, then the banks will use them to provide internet banking and customer will use them because these privacy is not at risk. The study highlights the importance of these cards and its impact on banking trends in India..........

[1]. H.R. Suneja 1994, Innovation in Banking Services, Himalaya Publishing House, pp.1-20.
[2]. Hajela Tanu, Dubey Rakshita, Nair Praveen, Bisht Anisha, march 2015, "Analysis of the use of Plasitc Money. A boon or a bane. " SiMS Journal of management Research Volume No.1.
[3]. Jarunee Wonglipiyarat 2007, "E-Payment Strategies of Banks Card Innovations". Journal of Internet Banking.
[4]. Krishnamurthy Narayan, "Be a smart card user." Money Today, 19th April, 2007.
[5]. K.S. Thakur and Singh D. 2005, Marketing of Financial Services, RBSA Publishers pp.2-4, 16-18.

Abstract: The objective of this research was to apply scientific methodology to identify the factors that affect the growth and effectiveness of Very Small, Small and Medium-sized Enterprises (SMEs) in Cameroon. This was done through analyzing data on a sample which was randomly selected from two purposively chosen Cameroonian cities, Douala and Yaounde. A structured questionnaire was used for data gathering on entrepreneur characteristics as well as the internal and external factors that were assumed to have possible impact on SME growth and development. The reliability or internal consistency of the data set was determined by means of the Cronbach's Alpha procedure........

Keywords: Cameroon, Effectiveness, Growth, Medium-sized Enterprises, Small Enterprises, Very Small Enterprises

[1]. Bouazza, A. B., Ardjouman, D., & Abada, O. (2015). Establishing the Factors Affecting the Growth of Small and Medium-sized Enterprises in Algeria. American International Journal of Social Science, 4( 2), 101-115.
[2]. Chittithaworn, C., Islam, M. A., Keawchana, T., & Yusuf, D. H. (2011). Factors Affecting Business Success of Small & Medium Enterprises (SMEs) in Thailand. Asian Social Science, 7(5), 180-190.
[3]. Christina, B., Neelufer, A., & Amri, S. A. (2014). Challenges and Barriers Encountered by the SMEs Owners in Muscat. International Journal of Small Business and Entrepreneurship Research, 2 (3), 1-13
[4]. Doh, S., & Acs, Z. J. (2010). Innovation and social capital: a cross-country investigation. Industry & Innovation, 17(3), 241-262.
[5]. Doh, S., & Kim, B. (2014). Government Support for SME innovations in the regional industries: The case of government financial support program in South Korea. Research Policy, 43, 1557-1569.

Abstract: The United Kingdom's withdrawal from the European Union is widely known as Brexit, a portmanteau of "British" and "Exit". Following a referendum held on 23 June 2016, in which 52% of votes cast were in favor of leaving the EU, the UK government intends to invoke Article 50 of the Treaty on European Union by the end of March 2017. This, within the treaty terms, would put the UK on a course to leave the EU by March 2019. Banks across Europe and the US have been battered by Brexit. Shares in big global banks outside the UK fell anywhere from 7 to 20 percent on the day after the UK voted to quit the EU..........

Keywords: Brexit, Efficient Frontier, Indian Economy, Optimal Portfolio, World Economy

[1]. Brown, G. (2016), Leading Not Leaving: The Patriotic Case for Britain in Europe, Selkirk: Deerpark Press.
[2]. Kierzenkowski, R., N. Pain, E. Rusticelli and S. Zwart (2016), The Economic Consequences of Brexit: A Taxing Decision, OECD Economic Policy Paper 16.
[3]. http://www.federalreserve,gov/newsevents/speech/yellen20160606a.htm
[4]. http://m.moneycontrol.com
[5]. In.investing.com/mobile/
[6]. Wikipedia

Abstract: Purpose- This paper is an attempt to examine and identify the importance of benefits and services provided by the MSN Pharmaceutical Company to the employees and the employees' satisfaction on the above factors. Design/Methodology/Approaches- The data were taken from 380 employees who were placed in different departments of the company. Fringe benefits and other benefits and services are measured by Kruskal Wallis Test and Mann Whitney-U Test. Findings- According to Kruskal Wallis Test- it is implicit that the dimensions fringe benefits and other benefits and services in relation to departments are found to be significant.........

Keywords: Benefits, Department, Fringe benefit, Gender, Services

[1]. U.S.A. Department of Labour, 'Glossary of Current Industrial Relations & Wage terms', Bulliten No.1438, 1968, pp. 32-33.

Abstract: In Portugal, unemployment is high when we compare with other countries and companies do not develop strategies to retain the best employees inside. It is clear that employees are a key part of a company's success, so organizations should look for better ways to hire new talent for business, as well as seek ways to keep the best brains by identifying antecedent variables of commitment of employees. Thus, this study is a contribution to the investigation by the identification of key variables in the commitment of the worker and in the environment of continuous improvement in the companies........

Keywords: Leadership; Employees; Continuous improvement; Worker's Commitment

[1] Adame, C., Caplliure, E.-M., Miquel, M.-J. (2015). Work–life balance and firms: A matter of women? Journal of Business Research. doi: http://dx.doi.org/10.1016/j.jbusres.2015.10.111
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[4] Bon, A. T., Mustafa, E. M. A. (2013). Impact of Total Quality Management on Innovation in Service Organizations: Literature Review and New Conceptual Framework. Procedia Engineering, 53, 516-529. doi: http://dx.doi.org/10.1016/j.proeng.2013.02.067
[5] Carlton, S. (2015). Reprint of: Connecting, belonging: Volunteering, wellbeing and leadership among refugee youth. International Journal of Disaster Risk Reduction. doi: 10.1016/j.ijdrr.2015.10.010

Abstract: In the recent scenario, HR practice plays a vital role in organization to increase the employee performance. This paper examines the Nature of Human Resource Management (HRM) practices and Its impact on Employee's Job satisfaction using data collected from Dutch Bangla Bank Ltd (DBBL)in Bangladesh. The study tries to determine the effect of training and development on employee job satisfaction; to determine the influence of working conditions on employee job satisfaction and to determine the impact of human resources factors on employee job satisfaction............

Keywords: Human Resource Management, Working Condition, performance evaluation, Job Satisfaction

[1]. Afroj, S. (2012). Ongoing Corporate Human Resource Management Practice in Banking sector of Bangladesh. Global Journal of Management and Business Research, 12(2).

[2]. Adams, J.S. (1965). "Inequity in social exchange", in Berkowitz, L. (Ed.), Advances in Experimental Social Psychology, Vol. 2, Academic Press, New York, NY, p. 267-99

[3]. Armstrong M (2006). A Handbook of Personnel Management Practice, 6th edn, Kogan Page, London

[4]. Barrows, D. & Wesson, T. (2000). "A Comparative Analysis of Job Satisfaction Among public and private sector professionals", The Innovation Journal 5(1)

[5]. Bedamine, J. (2004). Human Resource Management, New York, NY, Mc-Graw Hill

Abstract: The quality of service delivery at Primary Health Care in Nigeria is considered non satisfactory. One of the factors identified is the substandard performance of the health workers. This paper examines the influence of performance appraisal on health worker's service delivery in Primary Health Care facilities in Nigeria. The study adopted a survey research design with the use of structured questionnaire and in-depth interview to collect data. Multi stage sampling technique was used to sample 241 health workers across the sampled facilities in South-western Nigeria. The data collected was analyzed using descriptive and inferential statistics of statistical package for social science (SPSS version 22).........

Keywords: Performance Appraisal, Quality Health Service Delivery, Primary Health Care

[1]. Abimbola, S. (2012, May). How to improve the Quality of Primary health care in Nigeria. An online artivle fro Nigerianstalk. Retrieved on 20th February, 2014 from http://nigerianstalk.org
[2]. Ackah. (2015, December 10). Performance Appraisal and its Effect on Employee Performance in Ghana Health Service. Retrieved July 25, 2016, from Linkedlin: http://www.linkedin.com/pulse/performanceappraisal
[3]. Adekanmbi, A. B., and Bayat, M. S. (2013). Performance Management and Development Systems with Balanced Scorecard as a Performance Appraisal Tool at a Selected Eastern Cape Hospital: A case study Approach. Singaporean Journal of Business Economics and Management Studies , 1-11.
[4]. Aggarwal, A., and Thakur, G. (2013). Techniques of Performance Appraisal: A Review. International Journal of Engineering and Advance Technology , 2 (3), 617-621.
[5]. Alenoghena, I., Aigbiremolen, A., Agbejegah, C., & I, E. E. (2014). Primary Health Care in Nigeria: Strategies and Constraint in Implementation. International Journal of Community Research , 2 (2), 74-79.

Abstract: This study was conducted with the aim of evaluating ways of reducing emotional exhaustion and ensuring job satisfaction.This was done by examining the predictive role of authentic leadership, through the intervening role of psychological ownership in Nigerian hospitality industry. To achieve these objectives, 350 questionnaire were administered to frontline employees and their responses analyzed using Smart-PLS version 3.0. Finding reveals that authentic leadership negatively associates with emotional exhaustion, and positively with psychological ownership. The relationship between authentic leadership and job satisfaction was positive based on one tailed test but was found to be statistically insignificant........

Keywords: Authentic Leadership, Psychological ownership, Job Satisfaction and Emotional Exhaustion.

[1]. Alok, K. (2014). Authentic leadership and psychological ownership: investigation of interrelations. Leadership & Organization Development Journal, 35(4), 266–285.
[2]. Anderson, J. ., & Gerbing, D. . (1988). Structural Equation Modelling In Practice: A Review And Recommended Two-Step Approach. .Psychological Bulletin, 103, 411-423, 103(3), 411–423.
[3]. Avey, J. B., Avolio, B. J., Crossley, C. D., & Luthans, F. (2009). Psychological ownership: Theoretical extensions, measurement and relation to work outcomes. Journal of Organizational Behavior, 30(2), 173–191.
[4]. Avey, J. B., Wernsing, T. S., & Palanski, M. E. (2012). Exploring the process of ethical leadership: The mediating role of employee voice and psychological ownership. Journal of Business Ethics, 107(1), 21–34.
[5]. Banks, G. C., McCauley, K. D., Gardner, W. L., & Guler, C. E. (2016). A meta-analytic review of authentic and transformational leadership: A test for redundancy. The Leadership Quarterly, 27(4), 634–652. JOUR.

Abstract: The purpose of the study was to look into the commitment of top management in implementing continuous improvement of product strategy: an approach of fighting counterfeits by manufacturing firms in UasinGishu County. The study employed a cross sectional survey design. Target population for the study was 231 manufacturing firms' employees in top level management, accounts, production and sales. However a sample of 146 was selected and this represents 63.2% of the target population using Stratified sampling technique. The researcher used primary data. The primary data was collected by use of semi-structured questionnaires. Quantitative data was analyzed by use of descriptive statistics........

Keywords: Commitment, Top management, Product strategy, Counterfeits

[1]. Kinghord and Wilson (2013) anti-counterfeit strategy for brand owners,Centre for Anti- counterfeiting and product protection, Michigan State University.
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Abstract: WHAT IS EMPLOYEE ENGAGEMENT? Employee Engagement means entirely different things to different audiences. The concept has been defined in numerous ways all over the Globe based on its understanding. There are a number of even contradictory definitions are available........

[1]. Corporate Leadership Council, "Driving Performance and Retention Through Employee Engagement, Research Summary", Corporate Executive Board, 95-98 (2004).
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Abstract: The aim of this study was to assess the challenges facing small scale entrepreneurs in accessing loan from banks at Ngongongare, Meru district, Arusha region in Tanzania. A sample size of 100 respondents was used, whereby 65 respondents filled the questionnaire and returned. Descriptive statistics was used to analyze and tabulate data. The following findings were obtained: Collateral is a challenge to small entrepreneurs in accessing loan from the bank; the cost of transaction was found to be high and interest rate was also found to be high; the availability of accounting information was difficult to be obtained from small entrepreneurs so as to grant credit facilities and also the study revealed that capital for SSE is particularly from other sources like SACCOS.s........

Keywords: Entrepreneurs; Access to Finance; Loan; Loan security; Transaction cost;Interest rate.

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