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

Abstract: The purpose of this research is to examine customer motivations to use the banking system in Yemen. It remains unpredictable as the rise of new types of banking systems - for example, Automated Teller Machines (ATM), internet banking, developed financial markets and worldwide competition - have constrained banks to investigate the significance of customer loyalty. Therefore, research needs to focus on these changes within the banking system. According to Central Bank of Yemen,(2008)Regulators in Yemen are paying attention to increase the number of bank client because of the important role of banking to the economy (Alkibsi& Lind, 2011).The majority of people still do not use banking services to facilitate their financial needs in Yemen. Therefore, for banks to gain customer loyalty and to offer them what they need has become a considerable challenge for banks in Yemen............

Key words: Cooperate Social Responsibility, Brand Image, Customer Trust, User Satisfaction and Customer Loyalty.

[1]. Al-Adhi, N. (2009). Central bank of Yemen. Sana‟a, Republic of Yemen.Email: Naladhi@maktoob.com. Tel: 009671274096.
[2]. AlkibsiSharaf, Lind Mary, (2011), "customer perception of technology based banking service quality provided by banks operating in Yemen".
[3]. Albro (1999). Satisfied Customers More Likely to Buy Other Bank Products, Study Finds. ABA Bank Marketing, 31(9), 54.

[4]. Arbore, A., & Busacca, B. (2009). Customer satisfaction and dissatisfaction in retail banking: Exploring the asymmetric impact of attribute performances. Journal of Retailing and Consumer Services, 16(4), 271-280.

[5]. Anderson, E., Fornell, C., & Mazvancheryl, S. (2004). Customer Satisfaction and Shareholder Value. Journal of Marketing, 68(4), 172-185.

Abstract: This paper examined the contribution of happinessculture on economic development of Zimbabwe in the new dispensation of which the country is Open for Business. Zimbabwe's current economic performance since the year 2000 was characterised by low growth, low foreign direct investments, and depressed industry growth as a result of economic self-styled sanctions authored in Zimbabwe by citizens and submitted the United States of America (USA) for adoption to impose sanctions through the Zimbabwe Democracy Bill (ZIDERA) resulting in low business confidence, liquidity challenges and lack of competitiveness of the country`s economy at large,however,this study unearthed issues relating to citizenship behaviours to motivate socio-economic progress of a nation. Thestudy traced the elements of happiness namely: the power of gratitude, power of positive thinking, power of forgiveness and power of acceptance as key concepts in the happiness philosophy to motivate economic development.

Keywords: Happiness culture, Economic development, Gratitude, Forgiveness, Acceptance, Positive thinking.

[1]. Algoe, S. Haidt J. (2009)Beyond reciprocity: Gratitude and relationships in everyday life. Social and Personality Psychology Compass, 6:344
[2]. Ashkanasy, N.M.Ashton-James, C.E.(2007).Positive Emotion in organisations. A multi-level framework.Cooper and D.Nelson (Eds.)
[3]. Barro, Robert J.(2012)"Inequality and Growth in a Panel of Countries." Journal of Economic Growth, 2000, 5(1), pp. 5-32.
[4]. Beugelsdijk, Sjoerd and Smulders, Sjak (2004)"Social Capital and Economic Growth," Tilburg University, .
[5]. Bjork, Gordon J. (2014 ). The Way It Worked and Why It Won't: Structural Change and the Slowdown of U.S. Economic Growth. Westport, CT; London: Praeger. pp. 2, 67.ISBN 0-275-96532-5.

Abstract: This study aims to examine the causal relationship between eWOM, destination image, and the intention to visit a tourist destination. The structural model consisting of these three variables was analyzed using WarpPLS 6.0. Samples of 200 prospective tourists were collected in Denpasar City, Bali. The measurement items are adapted from the research instruments in the marketing literature. The results of the analysis prove that E-WOM has a direct positive and significant influence on the image of Buleleng as tourism destination and the intention to visit Buleleng. Similarly, the image of Buleleng as tourism destination is also proven to significantly mediate the influence of E-WOM on intention to visit Buleleng tourism destination. These findings bring important implications for the theory and practice of tourism marketing. The structural model of the results of the analysis is expected to make a valuable contribution to the development of tourism marketing theory and concepts, as well as a reference for strategic planning in the tourism industry sector..

Keywords: E-WOM, destination image, intention to visit

[1] Abubakar, A.M. (2016) Does eWOM influence destination trust and travel intention: a medical tourism perspective. Economics
Research – Ekonomska Istra2ivanja Vol.29. No.1, 598-611.
[2] Alegre, J. & Cladera, M. (2009) Analysing the effect of satisfaction and previous visits on tourist intentions to return. European
Journal of Marketing, Vol. 43, No. 5, 670 - 685.
[3] Beerli, A. and Martin, J.D. (2004) Factors Influencing Destination Image. Annals of Tourism Research, Vol. 31, No. 3, 657– 681.
[4] Buhalis, D. and Law, R. (2008) Progress in information technology and tourism management: 20 years on and 10 years after the
Internet—The state of eTourism research. Tourism Management, Vol. 29, 609–623.
[5] Castaneda, J.A. Frias, D.M. and Rodriguez, M.A. (2007) The influence of the Internet on destination satisfaction. Internet Research,
Vol. 17, No. 4, 402 - 420.

Abstract: The study focuses on the impact of dividend policy on shareholders wealth and firm performance of listed cement companies in India. In this study, we have selected the sample of 25 listed cement companies at National Stock Exchange. The data is collected for the period of 5 years from the financial year 2013-2014 to 2017-2018. In this study descriptive statistics and multiple regression analysis is used by taking Return on Equity and Earning Per Share as dependent variables and Dividend Per Share as independent variable. The study concludes that there is a significant relationship between the variables.

Keywords: Dividend Policy, Firm Performance and Shareholder's Wealth.

[1]. Sorin Gabriel Anton, "The impact of Dividend policy on firm value", Journal of public administration, finance and law, issue 10, 2016.
[2]. Irtaza Ansar, Arslan Ali Butt, Syed Basit Hussain Shah, "Impact of dividend policy on shareholders wealth", International review of management and business research, volume 4, issue 1, 2015.
[3]. Mohammad salman sarwar, "Effect of dividend policy on shareholder's wealth – A study of sugar industry in Pakistan", Global journal of management and business research, volume 13, issue 7,2013.
[4]. Manjunatha K,"Impact of debt-equity and dividend payout ratio on the value of the firm", Global journal of commerce and management perspective, volume 2, issue 2, 2013

[5]. Khan. M. Y, Jain. P. K (2013), "Financial Management", Tata Mcgraw Hill Education Private Limited, New Delhi.

Abstract: The construction supply chain is characterized by the multiplicity of links and the divergence of the actors, making customer satisfaction difficult to measure. The purpose of this paper is to explore the concept of satisfaction and identify the determinants that influence it, in the supply chain construction, through a study conducted on the Moroccan public administration. The literature review involved several relational parameters including trust, commitment and effective communication, and transactional factors such as control, power and formalization that influence satisfaction, more tangible variables to measure an abstract concept. To focus our study and look for concrete answers, the research orbit will be the Construction Supply Chain related to the Moroccan public administration contracts..

Keywords: Supply Chain, Supply Chain in construction, Satisfaction, relational, transactional

[1]. Akintoye, A., Mcintosh, G., and Fitzgerald, E. (2000), A survey of supply chain collaboration and management in the UK construction industry, European Journal of Purchasing and Supply Management , Vol. 6, 2000, pp.159- 168;
[2]. Andersen, P.H., Kumar, R., (2006). Emotions, trust and relationship development in business relationship: A conceptual model for buyer-seller dyads. Industrial Marketing Management 35, 522-53;
[3]. Anderson J. C., Narus J. A., (1990), ―A model of distributor firm and manufacturer firm working partnerships‖, The Journal of Marketing, Vol. 54, Janury, pp.42-58;
[4]. Anderson, E. W. (1994), ―Cross-Category Variation in Customer Satisfaction and Retention,‖ Marketing Letter, 5(1), pp. 19-30.
[5]. Anderson, E. W. et Fornell, C. (1994), ―A Customer Satisfaction Research Prospectus,"Service Quality, 12(3), pp. 241-268..

Abstract: Framing is a cognitive heuristic, which suggests that people react differently to the choices they are asked to make depending on how these choices are presented. In the context of the stock market,framing is defined as the effect of different investment frames on investment decisions. The present paperis an attempt to make a comprehensive discussionof framing, both of routine everydaydecisions and also ofdecisions made in the specialized context of investment choices. In addition, it discusses methods to preventframing so that choices and decisions derive from rational processes..

Keywords: Behavioral Finance, Framing, Psychology, biases, investment

[1]. Camerer, C., 2000. Prospect Theory in the Wild, in Choices,Values and Frames, Daniel Kahneman and Amos Tversky, Russell Sage, New York
[2]. Cartwright, J.,2008. Evolution and Human Behaviour, 2nd ed. Basingstoke: Palgrave Macmillan, U.K.
[3]. Cherry K., 2010.The Everything Psychology Book: Explore the Human Psyche and Understand Why We Do the Things We Do, Adams Media, U.S.A.
[4]. Goldberg, J., and ,Nitzsch, R., 2001. Behavioral Finance, John Wiley & Sons, New York
[5]. Graham, B., Dodd, D., 1965. The Intelligent Investor. Harper & Row, New York.

Abstract: This paper attempted to study gender empowerment in Barnoti and Kathua blocks in Kathua district of Jammu and Kashmir. It dealt with different factors influencing gender empowerment in rural areas. Aspects like number of the sampled households that supported gender equality, reasons cited by the sampled households for not supporting gender equality, number of the sampled households as per working members (gender-wise), number of the sampled households whose members had received/were receiving vocational and skill development training (gender-wise), number of the sampled households in which female and male members were receiving same wages for same work, number of the sampled households that included female members in decision-making regarding their education, employment, marriage, apparels, and visits to relatives and friends were studied..

Keywords: gender empowerment, Barnoti, Kathua, rural areas, skill, decision-making

[1]. Gupta, K., & Yesudian, P. P. (2006). Evidence of women's empowerment in India: A study of socio-spatial disparities. GeoJournal, 65(4), 365-380.
[2]. Kempen, L. V. (2009). The 'downside' of women empowerment in India: An experimental enquiry into the role of expectations. Social Indicators Research, 94(3), 465-482.
[3]. Lindberg, S., Athreya, V. B., Vidyasagar, R., Djurfeldt, G., & Rajagopal, A. (2011). A silent 'revolution'?: Women's empowerment in rural Tamil Nadu. Economic & Political Weekly, 46(13), 111-120.
[4]. Mahbub ul Haq Research Centre. (2016). Human development in South Asia 2016: Empowering women in South Asia. Lahore, Punjab: Lahore University of Management Sciences.
[5]. Misra, K. K. (2006). Empowerment of women in India. The Journal of Political Science, 67(4), 867-878..

Abstract: Working capital management plays a crucial role in a firm's success or failure because of its effects on an organization's financial performance and liquidity. The purpose of this study was to determine the effects of working capital management on the financial performance of construction and allied firms listed in the Nairobi Securities Exchange in Kenya. The study addressed the following specific objectives: the effects of average collection period on profit after tax and return on equity, effects of cash conversion cycle and profit before tax and return on assets.........

Keywords: Working Capital Management, Financial Performance, Construction and Allied Firms, Nairobi Securities Exchange, Kenya

[1]. Abdulazeez, D. A., Baba, N., Fatima, K., & A. Y. (2018). Working Capital Management and Financial Performance of Listed Conglomerate Companies in Nigeria. Journal of Accounting, Finance and Auditing Studies, 4(2), 49–66.
[2]. Adam, A. M., Quansah, E., & Kawor, S. (2017). Working Capital Management Policies and Returns of Listed Manufacturing Firms in Ghana. Scientific Annals of Economics and Business, 64(2), 255–269.
[3]. Bagh, T., Nazir, M. I., Khan, M. A., Khan, M. A., & Razzaq, S. (2016). The Impact of Working Capital Management on Firms Financial Performance : Evidence from Pakistan. International Journal of Economics and Financial Issues, 6(3), 1097–1105.
[4]. Baygi, S., Vaghfi, S., Moghaddam, A., & Khoshrou, M. (2014). Impact of Working Capital Management on Profitability Ratios: Evidence from Iran. European Scientific Journal, 10(1), 374–381.
[5]. Bono, J. E., & McNamara, G. (2011). Research Design. Academy of Management Journal, 54(4), 657–660..

Abstract: Capital structure refers to the mix of debt and equity used by a business organization to finance its assets (Ubesie, 2016). Usually, a firm can adopt different proportions of debt, equity, or other financial arrangements. The basisof research on capital structure is traced toModigliani and Miller's (1958) theory. The theory offers insight into an organization's capital structure decisions in a capital market that is free of transaction costs, taxesand other frictions.The purpose of this study was to determine the effects of capital structure on the financial performance of commercial and service sector firms listed in the Nairobi Securities Exchange in Kenya. The study sought to address the following specific objectives: the effects of long-term debt to equity ratio on return on assets,.........

Keywords: Capital Structure, Financial Performance, Commercial and Service Sector Firms, Nairobi Securities Exchange, Kenya

[1]. Abdullah, M. N., Parvez, K., Karim, T., & Tooheen, R., B. (2015). The Impact of Financial Leverage and Market Size on Stock Returns on the Dhaka Stock Exchange: Evidence from Selected Stocks in the Manufacturing Sector. International Journal of Economics, Finance and Management Sciences, 3(1), 10–15.
[2]. Acheampong, P., Agalega, E., & Shibu, A. K. (2014). The Effect of Financial Leverage and Market Size on Stock Returns on the Ghana Stock Exchange: Evidence from Selected Stocks in the Manufacturing Sector. International Journal of Financial Research, 5(1), 125–134.
[3]. Al-Taani, K. (2013). The Relationship Between Capital Structure and Firm Performance : Evidence from Jordan. Journal of Finance and Accounting, 1(3), 41–45.
[4]. Anderson, W., Spade, D., & Jackson, J. (1990). Fixed Assets and Intangible Assets, 144–159.
[5]. Baah-acquah, P., Freeman, E., & Ellis, E. P. (2017). Effects of Capital Structure Choice on Profitability of Oil Marketing Companies in Ghana ( OMCs ): Case studies of Ghana Oil Company Limited and Total Petroleum Ghana Limited. International Journal of Multidisciplinary Research and Development, 4(3), 117–122.

Abstract: This paper attempted to study political empowerment in Barnoti and Kathua blocks in Kathua district of Jammu and Kashmir. It dealt with different factors influencing political empowerment in rural areas. Aspects like total electors, electors who casted votes and who did not cast votes in the last election, reasons cited by voters for casting votes in favour of a particular candidate/political party in the last election, reason-wise number of the sampled households some of whose members did not cast votes in the last election, number of the sampled households some of whose members had political affiliations, number of the sampled households whose members attended meetings of panchayat and participated in political campaigns, and number of the sampled households reporting if the elected representatives redressed their grievances were studied.

Keywords: political empowerment, Barnoti, Kathua, rural areas, election, political affiliations

[1]. Buch, N. (2009). Reservation for women in panchayats: A sop in disguise?. Economic & Political Weekly, 44(40), 8-10.
[2]. Domingo, P. (2013). Property rights and development: Property rights and social, political and economic empowerment. Blackfriars, London: Overseas Development Institute

[3]. Ghosh, D. K. (2008). Governance at local level: The case of panchayats in West Bengal. The Indian Journal of Political Science, 69(1), 71-88.
[4]. Lindberg, S., Athreya, V. B., Vidyasagar, R., Djurfeldt, G., & Rajagopal, A. (2011). A silent 'revolution'?: Women's empowerment in rural Tamil Nadu. Economic & Political Weekly, 46(13), 111-120.
[5]. Mahbub ul Haq Research Centre. (2012). Human development in South Asia 2012: Governance for people's empowerment. Lahore, Punjab: Lahore University of Management Sciences..

Abstract: The banking system of an economy is of foremost importance for its financial and economic development. It forms the core of the financial sector and plays a critical role in transmitting monetary policy impulses to the entire economic system. Hence the stability of banking sector is of paramount importance for the development of an economy. To ensure the firmness of the banking industry, it is essential that the performance of individual banks are checked. An important indicator today that determines the solidity of the banks are the Non-performing Assets; but in recent times the banks have become prudent in extending advances, the reason is increasing non-performing assets. This paper is an attempt to compare the non- performing assets of SBI and ICICI Bank using the secondary data analysis and to comment on their individual performances too. This study also identifies the cause of the increasing non-performing assets in the banks and a few suggestions have also been extended...

Keywords: Economic Development, ICICI Bank, Non-Performing Assets, Stability, State Bank of India

[1]. Dr. D. Ganesan R.Santhanakrishnan, "Non-Performing Assets: A Study of State Bank of India" Asia Pacific Journal of Research, Volume: I, Issue: X, October 2013.
[2]. D.Jayakoddi and Dr.P.Rengarajan, "A Study on Non- performing Assets of selected public and private sector banks in India" , Intercontinental Journal of Finance Research Review ISSN: 2321-0354 - Online ISSN: 2347-1654 - Print – Impact of Factor: 1.552 VOLUME 4, ISSUE 9, and September 2016.
[3]. Vaibhavi Shah and Sunil Sharma, "A Comparative Study of NPA in ICICI Bank and HDFC Bank", Avinava national Monthly Referred Journal of Research in Commerce and Management. Vol.5, Issue 2. Feb. 2016.
[4]. Dr. Biswanath Sukul, "Non-Performing Assets (NPAs): A Comparative Analysis of Selected Private Sector Banks", International Journal of Humanities and Social Science Invention ISSN (Online): 2319 – 7722, ISSN (Print): 2319 – 7714 www.ijhssi.org ||Volume 6 Issue 1||January. 2017 || PP.47-53..