IOSR-JBM   Volume-21 ~ Issue-10 ~ Oct-2019

Abstract: In the changed scenario of world, with globalization, the need for strong financial systems in different countries, to compete with their global partners successfully, has become the need of the hour. It's not an exception for India also. A strong financial system is possible for a country with its strong banking system only. But unfortunately the banking systems of many emerging economies are fragmented in terms of the number and size of institutions, ownership patterns, competitiveness, use of modern technology, and other structural features. Most of the Asian Banks are family owned whereas in Latin America and Central Europe, banks were historically owned by the government. Some commercial banks in emerging economies are at the cutting edge of technology and financial innovation, but many are struggling with management of credit and liquidity risks. Banking crises in many countries have weakened the financial systems. In this context, the natural alternative emerged was to improve the structure and efficiency of the banking industry through consolidation and mergers among other financial sector reforms.......

[1]. Mergers in the banking industry in India: some Emerging Issues by Dr. K.A. Goyal and Vijay Joshi
[2]. Mergers in Indian Banking: An Analysis by M. Jayadev and Rudra Sensarma
[3]. Impact of Bank Mergers on the Efficiency of Banks: A study of merger of Bharat Overseas Bank with Indian Overseas Bank by Suresh Kumar
[4]. Merger and Acquisition in Banking Industry: A case Study of ICICI Bank Ltd. By Dr. K.A.Goyal and Vijay Joshi
[5]. Impact of Mergers on the cost efficiency of Indian Commercial Banks by pradeep kaur and Gian kaur

Abstract: Employee engagement simply refers to a workplace approach designed to ensure that employees are committed to their organization's goals and values, motivated to contribute to organizational success, and are able at the same time to enhance their own sense of well-being.Employee engagement can also be defined as the extent to which employees feel passionate about their jobs, are committed to the organization, and put discretionary effort into their work.(Chowdhury, M. S. 2007).Engaged employees look out for the needs of their coworkers and the overall enterprise, because they believe that they personally 'own' the result of their work and that of the organization. They know exactly how their work and effort contributes to the success of the organization.Empowered employees are engaged employees. They have all of the tools they need to learn and develop themselves, connect with colleagues and others throughout the organization, make their own decisions, be leaders and contribute to the success of the business. In simple terms, empowerment is a key driver of engagement. (Dessler, Gary: Human Resources Management).

Keywords: Empowerment, Employee Engagement, Motivation, Performance, Organization

[1]. Yazdani, B. O., Yaghoubi, N. M., &Giri, E. S., (2011). Factors affecting the Empowerment of Employees. European Journal of Social Sciences, 20 (2), 267-274.
[2]. Forbes.com (2012): "Why Employee Engagement? http://www.forbes.com/sites/kevinkruse/2012/09/04/why-employee-engagement/
[3]. FRIDE. 2006. Empowerment. http://www.fride.org/descarga/bgr_empowerment_eng_may06.pdf - retrieved on: 09 Feb. 2014[4]. Gorden, W. I. (1995). People should be as important as profits: from enchantment to empowerment. Vital Speeches of the Day, 285-88
[5]. Lashley, C. 2001. Empowerment: HR strategies for service excellence. Elsevier Butterworth Heinemann: Oxford.

Abstract: Information, Communication and Technology (ICT) industry trends have developed rapidly in various parts of the world, as well as in Indonesia. Referring to the formulation of the problem above, the purpose of this study is to determine and analyze the effect of service performance on customer loyalty to Indihome products at PT Telkom Witel Medan, to find out and analyze the effect of service performance on brand equity in Indihome products at PT Telkom Witel Medan, to find out and analyze the effect of customer loyalty on brand equity on Indihome products at PT Telkom Witel Medan, to find out and analyze the effect of service performance on customer loyalty through brand equity on Indihome products at PT Telkom Witel Medan. This study uses a type of quantitative research. The population in this study are consumers of Indihome PT Telkom Witel Medan........

Keywords: Service Performance, Customer Loyalty, Brand Equity

[1]. Assauri, S. (2003). Customer Service yang Baik Landasan Pencapaian Customer Satisfaction. No. 01, Tahun XXXII, Januari, hal. 25-30. Usahawan. Jakarta.
[2]. Brady, M. K., and Cronin, J. J. (2001). Some New Thoughts on Conceptualizing Perceived Service Quality: a Hierarchical Approach. Journal of Marketing, 65(July), 34–49.
[3]. Hawkins, D.I., and Mothersbaugh, D.L. (2010). Consumer Behavior: Building Marketing Strategy, 11th Edition. McGraw-Hill, Irwin.
[4]. Kotler, Keller. (2013). Manajemen Pemasaran 1, Edisi ketigabelas. Jakarta: Erlangga.
[5]. Morgan, R.M. and Hunt, S.D. (1994). The Commitment-Trust Theory of Relationship Marketing. Journal of Marketing, Vol. 58 No. 3, pp. 20-38..

Abstract: The objective of the research was to find out and to analyze cultural, social, personal, and psychological factors on the process of making decision to buy Toyota in AUTO2000, Binjai Branch Office. The research used descriptive analytic method with multiple linear regression analysis. The samples were 95 respondents, taken by using Slovin formula. The result of the research showed that cultural factor had significant influence on making decision to Toyota, social factor had significant influence on making decision to Toyota, personal factor had positive and significant influence on making decision to Toyota, and psychological factor had significant influence on making decision to Toyota. Simultaneously, cultural, social, personal, and psychological factors.........

Keywords: Cultural, Social, Personal, Psychological, Making Decision

[1]. Hariandja, Mariot Tua Efendi. (2002). Manajemen Sumber Daya Manusia: Pengadaan Pengembangan, Pengkompensasian, dan Peningkatan Produktivitas Pegawai. PT. Gramedia Widiasarana Indonesia, Jakarta.
[2]. Hasibuan, S.P. Malayu. (2004). Manajemen Dasar, Pengertian, dan Masalah. Penerbit Bumi Aksara, Jakarta.
[3]. Mangkunegara, Anwar Prabu. (2012). Evaluasi Keputusan Pembelian Mobil Merek Toyota SDM. Refika Aditama, Bandung.
[4]. Riani, Asri Laksmi. (2011). Perspektif Kompensasi Perusahaan, CEO, dan Karyawan. Surakarta: Yuma Pustaka.
[5]. Robert, Mathis and John, Jackson. (2002). Manajemen Sumber Daya Manusia. Jakarta: Salemba Empat.

Abstract: With an increase in peak load with an average of 7.43% per year in accordance with the general plan for electricity supply (RUPTL) 2019-2028, PLN is required to be able to meet the needs of installed electricity capacity, both PLN power plants and independent power producer scattered in Sumatera especially in Sumatera Utara. On the one hand, PLN has a power deficit with a peak electricity load in Sumatera Utara until 2019 reaching 2,046 MW if the peak load is compared to the overall power plant by applying a reserve margin of 30%, PLN from Province of North Sumatra is still experiencing a power deficit of around 351,82 MW in 2020. In this study, highsest and best use method was used to assess the combinations associated with alternative operations of PLTU Pangkalan Susu Unit #3 and Unit #4. PLTU Pangkalan Susu Unit #3 and Unit #4 is one of the solutions to the problems that occur, but the condition of PLTU Pangkalan Susu Unit #3 and Unit #4 has not been equipped......

Keywords: Highest and Best Use Method, Jetty Development, Coal Unloading System Facilities

[1]. Adji. A. (2015). Penggunaan Highest and Best Use Analisys dan Capital Budgeting Sebagai Alat Analisis Investasi di Sektor Properti.
[2]. Dachyar. M. (2012). Analisis Kelayakan Investasi dan Risiko Proyek Pembangunan PLTU Indramayu PT PLN (Persero). Fakultas Ekonomi Magister Manajemen Universitas Indonesia.
[3]. Gittinger. J.P. (1986). Analisa Ekonomi Proyek-Proyek Pertanian, Edisi Kedua. Universitas Indonesia. Jakarta.
[4]. Luce. Anthony J. (2012). Highest and Best Use Analysis for a Site in Arlinton VA. Baltimore. Maryland.
[5]. Saphiro. A. C. (2005). Capital Budgeting And Investment Analysis (1sted). New Jersey. Person Education.

Abstract: ThisThis research investigates the fundamental association among rates of interest and stock prices by utilizing the data taken on a monthly basis. The (KSE)-100 index in PSX (Pakistan Stock Exchange) has been used for extracting stock prices and three-month Karachi interbank offer rate (KIBOR) is utilized as a proportion of interest rate available at State Bank of Pakistan. Time duration to collect data is staring from July, 2009 and ending at June 2019. Month end prices of stocks listed at Pakistan Stock Exchange and interest rate for the period mentioned above were taken. Statistical techniques like descriptive analysis, correlation and simple regression analysis were applied to evaluate the interest rate's effect on share prices of the entities registered at Pakistan Stock Exchange. The outcome of data analysis indicates that interest rate is negatively but significantly associated with stock prices.

Keywords: Annual Percentage Rate, Stock Prices, PSX (Pakistan Stock Exchange), Karachi Stock Exchange -100 index

[1]. Arango, L., Gonzalez, A., & Posada, C. (2002). Returns and interest rate: A noninear relationship in the Bogota stock market. Applied Financial Economics, 12(11), 835-842.
[2]. Bashir, A., & Hassan, A. (1997). Interesrt Rate Sensitivity and Stock Returns in the United Arab Emirates. Journal of King Saud University, 9, 79-89.
[3]. Bernanke, B., & Kuttner, K. N. (2005). What Explains the Stock Market's Reaction to Federal Reserve Policy? Journal of Finance, 60, 1221-1257.
[4]. Das, A. (2005). Do stock prices and interest rates possess a common trend? Public Policy Institute, Georgetown University, Washington DC, 71(4), 383-39.
[5]. Davidson, P. (1996). Reality and economic theory. Journal of Post Keynesian Economics, 18(4), 479-508.

Abstract: Banking sector plays a key role in the development of Indian economy. There has been a sea change in the operation of banking services in India during the past three decades. In a service-oriented industry like banking, the quality in service largely depends on the effective human resources development practices in banks. Changing socio-economic profiles of the customers, government policies, changes at national and international levels have necessitated the banks to strengthen the human resources through effective HRD practices. Training and development, employee feedback and counselling, career and succession planning and compensation and reward management are the key components in HRD practices in banks. An overview of HRD practices in Indian banking sector is presented in this paper.

Keywords: Human Resource Development, Banking Sector, Reward Management, HR Strategy

[1]. Rao, T.V. "Strategies of Developing Human Resources: Experiences from 14 Organizations", Ahmedabad, Indian Institute of Management, Working Paper.
[2]. Sandeep Sharma and Manish Didwamia, "Indian Banking System: A Story of Development", Volume-6, March 2010.
[3]. Ms Yuvika Singh, Dr. ShartSood, "Innovative HR Practices in Indian Banking Sector-A conceptual study", International Journal of Business Management and Scientific Research, Volume 31, July 2017.
[4]. Jyoti, "Impact of Training and Development with reference to Banking Sector in India", International Journal of Business Administration and Management, Volume-7, No.1, 2017.
[5]. Dr. Shomi Srivastava & Dr. S V Kuvalekar, "Emerging Challenges in Banking and Role of Training System", NIBM Research Project 2017

Abstract: It is unequivocal that developing economies are characterised by tax administration inefficiency. However, knowledge management can improve administrative efficiency. This study proposes a system-based knowledge management framework that can improve tax administration efficiency in developing economies. System-based theory is employed as underpinning theory. The framework is based on thoroughly review and synthesized literature. The system-based knowledge management framework comprises of inputs, internal processes and outputs. This paper believes that tax administration performance will be improved in terms of efficiency if the knowledge management framework is employed.

Keywords: Tax administration, knowledge management framework, system-based theory

[1]. APO. Knowledge Management for Publi-sector Productivity, Asian Productivity Organisation. 2013.
[2]. Bird, R. M. Improving Tax Administration in Developing Countries. Journal of Tax Administration. 2015; 1(1), 23–45.
[3]. Busanad, A. M. Implementing KM in a Public Organization : The Case of the Dubai Police Force. University of Portsmouth. 2016.
[4]. Crandall, W. Revenue Administration : Performance Measurement in Tax Administration. 2010.
[5]. Girard, P. John, Mclntyre, S. "Knowledge Management Modeling in Public Sector Organizations: A Case Study." International Journal of Public Sector Management. 2010; 23(1), 71–77..

Abstract: The study assessed the levels of economic empowerment of Zimbabwean women through entrepreneurial opportunities in the informal sector of the economy, with a case study of Glen View furniture complex. The study was motivated by the high level of indigenisation in the economy vis a vis the inequity in benefits distribution across citizens on gender bases. Beneficiaries of the land reform's A1 were mere 18% women and A2 only 12% women. Determination of empowerment levels and economic participation of women was primarily guided by the Sara Longwe Framework. The research investigated the extent of women's involvement and participation in the furniture manufacturing trade, given the technical nature of the businesses. Coupled with that mandate, the paper........

Keywords: WOMEN, ZIMBABWE, EMPOWERMENT, ENTREPRENEURIAL OPPORTUNITIES, EQUITY

[1]. Awumbila M. (2006) "Gender Equality and Poverty in Ghana: Implications for Poverty Reduction Strategies." GeoJournal 67: 149-161.
[2]. Best, J.W. & Kahn, J. (2006)Research in Education: New Delhi: Prentice Hall of India Pvt. Ltd.
[3]. Batliwala S. (2007) "Taking the Power Out of Empowerment - an Experiential Account." Development in Practice 17, no. 4-5: 557-565.
[4]. Carr E.S. (2003) "Rethinking Empowerment Theory Using a Feminist Lens: The Importance of Process." Affilia 18, no. 8: 8-20.
[5]. Charmes J. and Saskia W. (2003) "Measuring Women‟s Empowerment: an Assessment of the Gender-related Development Index and the Gender Empowerment Measure." Journal of Human Development 4, no. 3: 419-435.

Abstract: Whether these factors affect the overall performance or not. Then based on the problem, the writer is interested in doing research. This research is associative quantitative research, so the data used are primary data, where data is obtained from questionnaires filled out by employees. The analysis used is the validity test, reliability test, classic assumption test, correlation test, coefficient of determination test, regression test, and hypothesis test (t-test and F test). Correlation test results of individual characteristics (X1) and interpersonal communication (X2) on employee performance (Y) obtained 0.491 which means that there is a simultaneous relationship. The test results of the coefficient of determination between individual characteristics (X1) and interpersonal communication (X2)....

Keywords: Individual Characteristics, Interpersonal Communication and Employee Performance.

[1]. Sunyoto, Danang and Burhanudin (2015). Organizational Behavior Theory. Yogyakarta: Center of Academic Publishing Service
[2]. Kasmir (2017). Human Resource Management. Depok: PT. Raja Grafindo Persada
[3]. Bagia, I Wayan (2015). Organizational behavior, Yogyakarta: Graha Ilmu
[4]. Mulyana, Deddy (2005). Communication Knowledge. Bandung: PT. Remaja Rosdakarya
[5]. Mangkunegara, A. A. Anwar Prabu (2015). Corporate Human Resource Management. Bandung: PT. Remaja Rosdakarya
[6]. Sugiyono (2014). Metode Penelitian Kuantatif, Kualitatif dan R&D. Bandung: Alfabeta.

Abstract: Enrekang Regency is one of the producers of horticultural crops, especially the largest salak fruit farming. It is also hoped that it can increase the income of salak fruit farming which is one of the horticultural crops currently being developed, especially in Enrekang Regency, South Sulawesi Province. The development of a good production and distribution channel system is one of the keys to success in increasing the income of salak fruit farmers, especially in Enrekang Regency. This research is a survey research, the sample in this study used purposive random sampling in three villages namely Kambiolangi Village, Mata Allo Village, and Sumilang Village in Alla District. The analysis tool uses the method of relative profit analysis (Benefit Cost Ratio Analysis) and margin analysis....

[1]. Syafaat, N. 2003. KonsepPengembangan Wilayah Tertinggaldalam Rangka Pemberdayaan Ekonomi Kerakyatan Melalui Pengembangan Agribisnis.
[2]. ProsidingLokakaryaPengembanganAgribisnisBerbasisSumberdayaLokaldalamMendukung Pembangunan EkonomiKawasan Selatan Jawa. BPTP Jatim Bekerjasamadengan PusatPeneliti andan Pengem bangan SosialEkonomiPertanian. Bogor. pp : 62-84
[3]. Kuntoro Boga Andri and Y.Shiratake, 2007. Evaluation of Contract Farming System between Vegetable-Cultivated Smallholder and Agribusiness Firm in East Java, Indonesia, Review of Agricultural Economics, Journal Edited by the Kyushu Society of Agricultural Economics Vol.57, No.2, 2007,p.13-28
[4]. Mawaddah, Jumadi, Madjid Majid. 2018. PetaniSalak di Dusun Banca Kecamatan Baraka KabupatenEnrekang 1960-2016. PattingalloangJurnalPemikiranPendidikandanPenelitianKesejarahan Vol. 5 No. 4. pp. 1-8
[5]. Idris, M. 2017. AnalisisPendapatanPetaniSalakMelaluiPenerapan Marketing Mix Di KabupatenEnrekang. Ecosystem, 17(3), pp. 861-870.

Abstract: This study determined the effect of the empowerment behavior dimension of ethical leadership on employee commitment among senior managers in the transport sector parastatals in Kenya. The study adopted the positivism research philosophy and descriptive correlational research design. The target population consisted of 253 senior managers in the transport sector parastatals from whom a sample of 153 participants was selected using the stratified random sampling technique. Data was collected using a self-administered questionnaire. Descriptive and inferential statistics were used to analyze the data. Correlation analysis found a positive and significant relationship.....

Keywords: Employee Commitment, Empowerment behavior dimension, Ethical Leadership

[1]. Meyer, J. P., & Allen, N. J. (1997). Commitment in the Workplace: Theory, Research and Application. Thousand Oaks, CA: SAGE Publications Inc.
[2]. Treviño, L. K., Hartman, L. P., & Brown, M. E. (2000). What Determines Ethical Behavior in Public Organizations: Is It Rules and/or Leadership? California Management Review, 42(4), 128–143.
[3]. Wright, B. E., Hassan, S., & Park, J. (2016). Does a Public Service Ethic Encourage Ethical Behaviour? Public Service Motivation, Ethical Leadership and the Willingness To Report Ethical Problems. Public Administration, 1–17. https://doi.org/10.1111/padm.12248
[4]. Siegel, P. G. (2013). Ethical leadership and organizational commitment in the Canadian armed forces. Saint Mary's University, Halifax, Nova Scotia.
[5]. Malloy, D. C., & Agarwal, J. (2010). Ethical climate in government and nonprofit sectors: Public policy implications for service delivery. Journal of Business Ethics, 94(1), 3–21. https://doi.org/10.1007/s10551-008-9777-1