IOSR-JBM   Volume-20 ~ Issue-9 ~ September-2018

Abstract: Banks are the life line of an economy as they play a key role in every economy. Banking in India has been through a long journey and the adoption of technology has brought a revolution in delivering banking and financial services. The Indian banking sector is passing through a critical phase and facing several challenges i.e deteriorating asset quality, constraints to adhere to Basel – 3 norms, low return on Assert, increasing trends, mandatory priority lending targets and risk – return trade off. Customer experience Management is the process that companies use to oversee and track all interactions with a customer during their relationship. Organizations are using CEM approach to anticipate customer needs and adopt the mind-set of the customer. The main aim of CEM is to optimize.........

Keywords: antecedents, banking sector, Customer experience, technology adoption

[1]. Dr.Tapas Kumar Parida(2018), Consolidation of Public Sector Bank-Will it serve any purpose?, The Indian Banker, Vol VI, No.1, August, 2018.
[2]. Yim. F., Hong-Kit, A.R., &Swaminathan. S, (2004), Customer Relationship Management: Its dimensions and effect on customer outcomes, Journal of Personal Selling and Sales Management, 24(4), 263 – 278.
[3]. Patwa, L.K. , &Patwa, K. K (2014), An analytical study of CRM Practices in Pubilc and Private Sector Banks in the State of Uttar Pradesh, Pacific Business Review International, 6(7), 60-69.
[4]. Berry, L. L., Carbone, L. P. and Haeckel, S.H. (2002), Managing the total customer experience, MIT Sloan Management Review, Vol. – 43, pp. 85-89.
[5]. Amir Nasermoadeli, KwekChoon Ling &FarshadMaghnati (2013), Evaluating the impact of Customer Experience on Purchase Intentions, International Journal of Business and Management, Vol. 8, No.6..

Abstract: Harmonization plays a key role in the modern world due to its impact on resourcing and budgeting. When submitting the dossier to regulatory agencies the requirements differ hence, there should be guidelines for companies to set the differences right. The drug development process submissions should be done in an integrated way to regulatory agencies although there are major differences between them. We should prioritize our requirement for easy implementation and determination. Since it causes double work to be done to regulatory agencies, we need to identify the gap and the requirement of implementation of the model and the need for standardization of regulations globally. Has time finally come to harmonize.........

Keywords: Harmonisation; CDISC; Regulatory harmonisation; Inter-organisational harmonisation model; One model; SDTM; ADaM; Controlled terminology; Scope; Implementation; Unified approach; Organisation benefit;

[1]. CDISC Clinical Data Interchange Standards Consortium https://www.cdisc.org/resources/global-regulatory-requirements
[2]. WHO, WHO Trial Registration Data Set http://www.who.int/ictrp/network/trds/en/
[3]. Protocol Representation: The Forgotten CDISC Model https://www.lexjansen.com/phuse/2016/cd/CD01.pdf
[4]. Protocol representation model https://www.cdisc.org/standards/foundational/protocol
[5]. CDISC annual report https://www.cdisc.org/system/files/all/CDISC_AR_2013C-Pages-web(1).pdfCDISC, Define-XML Specification Version 2.0, CDISC, 2013..

Abstract: Strategically planned implementation process across pharmaceutical organisations will ease the submission process. It results in increased efficiency, cost effectiveness, avoid unforeseen surprises and it reduces stress for the employees. Although it is a challenging task for implementation and execution of CDISC (Clinical Data Interchange Standard Consortium) compliant dataset, a well-planned submission process will lead to successful regulatory submissions. This avoids re-opening of data bases and helps in smoother submission processes. There is a need for technical expertise and effective cost management implementation process. CDISC vision is to enlighten patient care and safety through higher class of medical research. CDISC mission is to improve medical research and healthcare related areas. The major goal is traceability from collection of data till analysis. Food.......

Keywords: CDISC; Strategy; Implementation; Pharmacompanies; integration; Pharmaceuticalcompanies; Strategicimplementation.

[1]. "CDISC Foundational Standards" Clinical Data Interchange Standards Consortium March 2016. http://www.cdisc.org/foundation-standards.
[2]. FDA guidance for industry, Providing Regulatory Submissions in Electronic Format, Submissions Under Section 745A(a) of the Federal Food, Drug, and Cosmetic Act. http://www.fda.gov/downloads/Drugs/GuidanceComplianceRegulatoryInformation/Guidances/UCM333969.pdf.
[3]. Study Data Tabulation Model (SDTM) (http://www.cdisc.org/standards/foundational/sdtm) http://www.cdisc.org/standards/foundational/define-xml)
[4]. FDA Study Data Standards Catalog (Version 4.5; Effective 2016-07-18) (http://www.fda.gov/downloads/ForIndustry/DataStandards/StudyDataStandards/UCM340684.xlsx)
[5]. Study Data Specifications. Current version: 1.4. August 1, 2007; Available via http://www.fda.gov/cder/regulatory/ersr/Studydata.pdf..

Abstract: This seminar paper examined raising quality and eliminating waste in the developing of innovative new process: A better capital model, the researcher examined the effect of increase in quality on the growth of a new innovative process in an organization. And also the effect of waste elimination on the innovative growth of Nigerian organizations.The population consists of 120 staff of Aqua Rapha Investment Nigeria Limited. The study used the survey approach. The primary sources used were the administration of questionnaire to staff and distributors. The sample size of 100 was determined using Wimmer and Dominick sample size calculator. 100 copies of the questionnaire were returned and accurately filled. The validity of the instrument was tested using content analysis and the result..........

Keywords: Quality, Waste, Development and Innovation

[1]. Abereijo, I. O., Adegbite, S. A., Ilori, M. O., Adeniyi, A. A., and Aderemi, H. A. (2016). "Technological innovation Sources and Institutional Supports for Manufacturing Small and Medium Enterprises in Nigeria". Journal of Technology Management and Innovation, 4(2), 82-89.
[2]. Akinwale Y., Dada A., Oluwadare A., Jesuleye O., and Siyanbola W. (2012)."Understanding the Nexus of R&D, Innovation and Economic Growth in Nigeria".International Business Research, 5(11), 187-196.
[3]. Battisti, G., and Stoneman, P. (2017). "How Innovative are UK Firms?" Evidence from the CIS4 on the Synergistic Effects of Innovations, Report for the Department of Trade and Industry.
[4]. Becheikh, N., Landry R., and Amara N. (2015)."Lessons from Innovation Empirical Studies in the Manufacturing Sector.Technovation, 26(5/6), 644-664.
[5]. Egbetokun, A. A., Siyanbola, W. O., Olamade, O. O., Adeniyi, A. A., and Irefin, I. A. (2018). "Innovation in Nigerian SMEs: Types and Impact". Paper presented in the IV Globelics Conference at Mexico City, September 22-24.

Abstract: The study was on management information system, the study aimed to examine how management of information system has assisted in service delivery in Nigeria universities; examine how management information system has assisted in reducing paper work in the universities. The study had a population's size of 1,928, out of which a sample size of 332 were utilized using Freund and William's formula. Instrument used for data collection was primarily and secondary questionnaire. 275 staff returned the questionnaire and correctly filled. The survey method was adopted for the study. Three hypotheses were formulated and chi-square (x2) was used for the test with the aid Chi-square (𝜒2) statistical tool for hypotheses one and three and Z-test for hypothesis two the aid of Special...........

Keywords: Management Information System, Investment, Organization

[1]. Agu, C.N. (2001) Relevance of Management Information System in the Achieving of Organization Objectives in Nigeria. https://uniprojects.net/project-materials/relevance-of-management-information-system-in-eht-achievement-of-organisation-objectives/.
[2]. Ajayi, I. A. and Omirin, Fadekemi F. (2007) The Use of Management Information Systems (MIS) In Decision Making In The South-West Nigerian Universities; Educational Research and Review, 2 (5) 109-116.

[3]. Asemi, A., & Safari, A., & Zavareh, A.A. (2011) The Role of Management Information System (MIS) and Decision Support System (DSS) for Manager's Decision Making Process. International Journal of Business and Management, 6(7)164-173.

[4]. Diksha, K. (2017) Organisation: Meaning, Concept, Features and Advantages: http://www.yourarticlelibrary.com/organization/organisation-meaning-concept-features-and-advantages/63768.

[5]. Gaurav, A. (2011) What is Investment ? Meaning and Types of Investment: http://kalyan-city.blogspot.com.ng/2011/06/what-is-investment-meaning-and-types-of.html

Abstract: The paper discusses the various socio economic factors that determine whether an individual will be able to start and operate an enterprise and also the probability of success.The paper deals with the demographic profile of the respondents that include ,place, location of an enterprise the experience and training received by the respondents.. Further, paper discusses various reasons to start the enterprises.

Keywords: Microenterprises, Socio economic, Demographic, Opportunity, Distress

[1]. Tybout, J. R. (2000). Manufacturing firms in developing countries: How well do they do, and why? Journal of Economic literature, 11-44.

[2]. Hyman, E. L. (1993). Production of edible oils for the masses and by the masses: The impact of the ram press in Tanzania. World Development,21(3), 429-443.

[3]. Bischoff, C., & Wood, G. (2013). Micro and small enterprises and employment creation: A case study of manufacturing micro and small enterprises in South Africa. Development Southern Africa, 30(4-5), 564-579.

[4]. Boyer, T., &Blazy, R. (2014). Born to be alive? The survival of innovative and non- innovative French micro-start-ups. Small Business Economics, 42(4), 669-683.
[5]. Carr, M. (1996b). Cassava processing in Nigeria and West Africa. In Beyond credit: A subsector approach to promoting women's enterprises, ed. M. A. Chen. Ottawa: AgaKhan Foundation...

Abstract: In the midst of high cost of health care both at the macro and micro levels, health insurance becomes a viable alternative for financing health care in India. The first real attempt at insurance was carried out well before Independence, with the passing of the Insurance Act in 1912, which set down rules and regulations specific to the insurance industry. Then there was a more fundamental shake up in 1938 with the Insurance Act, 1938 and this led to an insurance wing being set up, attached to the Ministry of Finance. The main objectives of this paper are to examine the sources of finance..........

[1]. Abel-Smith, B., 1986. Health insurance in developing countries: lessons from experience. Health policy and Planning 7(3), 215-226.
[2]. Abel-Smith, B., 1993. Financing health services in developing countries: the options. NU Nytt om Ulandshälsard 2/93, vol. 7.
[3]. Arumugam.P, 2003, Health Development in India, IDPAD project report Bharathiar University, Coimbatore.
[4]. Asenso-Okyere WK, Osei-Akoto I, Anum A, Appiah EN (2005), Willingness to pay for health insurance in a developing economy. A pilot study of the informal sector of Ghana using contingent valuation, University of Ghana, Legon. isser@gha.healthnet.org
[5]. Atim, C., 1999. Social movements and health insurance: a critical evaluation of voluntary, non-profit insurance schemes with case studies from Ghana and Cameroon. Social Science and Medicine 48, 881-896...

Abstract: Rural Marketing is a developing in pricing, promoting, and distributing rural specific goods and services. It leads to a desired exchange with rural consumers to satisfy their needs and also to achieve organizational objectives.Products, which have a quickturnover, get replaced within a year and have relatively low costs, are known as Fast Moving Consumer Goods (FMCG).FMCG products are those that get replaced within a year.Hindustan Unilever Limited (HUL) is India's largest Fast Moving Consumer Goods Company with a heritage of over 80 years in India and touches the lives of every 2 out of 3 Indians. The concept of rural marketing in Indian Economy has always played an influential role in the lives of people.It is the marketing that is meant especially for the rural people.......

Keywords: Rural Market, FMCG products, Factors affecting Rural Market, strength, weakness, Opportunities and Challenges.

[1]. J. Thomas Russell and W Rolland Lane. Kleepner‟s Advertising Procedure, Prentice-Hall, 13th ed.1996.
[2]. Srivastava, D. (2010). Marketing to rural India: A changing paradigm. Sri Krishna International research & education consortium, Vol1, (3).

[3]. Ali, M. A., Thumiki, V. R. R., & Khan, N. A. (2012). Factors influencing purchase of FMCG by rural consumers in South India: an empirical study. International Journal of Business Research and Development, 1(1).
[4]. Kumar, P., &Dangi, N. (2013). Rural marketing in India: Challenges and opportunities. International Journal of Social Science Research, 2(8), 93-100.

[5]. Pareek, A., &Pincha, S. (2013). Indian Rural Market: An Impulse to FMCG Sector. Department of Management, lASE Deemed University, Sardarshahr, India, 8.

Abstract: Theworking conditions within some service industry fields such as hospitality,are characterized by exposure to psychosocial risk factors; the lack of control, interaction, demands of sensitivity and emotional dissonance, generate patterns that are associated with negative emotions at work. This organizational environment, causes that the psychosocial risk factors at the workplace are likely to generate negative effects such as burnout in workers. Objective: Determine possible associations between the psychosocial risk factors and burnout; identifying which of the psychosocial work conditions could take levels considered as risk factors. Methodology: A cross-sectional, observational and descriptive study. The population was composed of 199 workers with plant jobs in 4 different..........

[1]. Pando Moreno M., Aranda Beltrán C., AldreteRdz. M. G., Flores Salinas E. y Pozos Radillo E. (2006) Factores psicosociales y burnout en docentes del Centro Universitario de Ciencias de la Salud. Revista Medigraphics. 8(3):173-177.
[2]. Cox, T., Griffiths, A., &Rial-González, E. (2000). Research on work-related stress. EuropeanCommunities.
[3]. Griffiths, A., Leka, S., & Cox, T. (2004). La organización del trabajo y el estrés: estrategias sistemáticas de solución de problemas para empleadores, personal directivo y representantes sindicales.
[4]. Houtman, I., Jettinghof, K., Cedillo, L., &WorldHealthOrganization. (2008). Sensibilizando sobre el estrés laboral en los países en desarrollo: un riesgo moderno en un ambiente tradicional de trabajo: consejos para empleadores y representantes de los trabajadores.http://dx.doi.org/10.20320/rfcsudes.v2i1.245 http://revistas.juanncorpas.edu.co/index.php/cartacomunitaria/article/view/162
[5]. Leka S, Jain A. Health impact of psychosocial hazards at work: an overview. Géneva: WHO; 2010.