IOSR-JBM   Volume-22 ~ Issue-1 ~ January. 2020

Abstract: Recently Chairman of a major public sector bank (SBI) has called for review of consortium and multiple lending model of banks that delays decision making and increases risk which needs to be put in order. As each member bank has discretion for asset classification in the consortium, taking no objection certificates from every member takes time which in turn depends on their balance sheet management. There are many gaps in monitoring of such accounts as most of the banks end up having similar loan books when it comes to big project loans. Inter creditor agreements to make it binding on all members to fall in line with the resolution plans (if 66% members agree)is being mooted by SBI but it will apply only when it is a stressed asset. But it is the day to day working of a consortium or multiple banking accountswhich leaves much scope for improvement and change. There are cases of even 38......

[1]. RBI/2016-17/143 DBR.No.BP.BC.37/21.04.048/2016-17, (November 21, 2016), "Prudential Norms on Income Recognition, Asset Classification and Provisioning Pertaining to Advances", website www. rbi.org.in
[2]. P. Baliarsingh, CGM, DBS, RBI, (February 9, 2017), "Power Point Presentation on Concerns observed in identification of NPAs", DBS-CAFRAL Seminar on System Identification of NPAs, February 9, 2017
[3]. Dinesh Kumar Aggarwal, GM, SBI, (February 9, 2017), "Power Point Presentation by SBI on NPA Identification & Stamping in CBS- Issues and Concerns", DBS-CAFRAL Seminar on System Identification of NPAs, February 9, 2017
[4]. V K Sudhakar, CEO, D2K Technologies, (February 9, 2017), Power Point Presentation on System Based Recognition of NPAs -Challenges &CRisMac- Addressing the Challenges", DBS-CAFRAL Seminar on System Identification of NPAs February 9, 2017
[5]. AyushRohatgi and ShriramIyer, HDFC, (February 9, 2017), "Power Point Presentation onCore Banking Systems in Bank and Products, Finone/ Vision Plus, Flexcube / UBS", DBS-CAFRAL Seminar on System Identification of NPAs, February 9, 2017

Abstract: Axis Bank is the third largest private sector bank in India and has undergone change management under successive change leaders in the form of its Chief Executive Officers. Their different approaches have brought the bank to the forefront of Indian banking. The bank is a leader in technology adoption and has been successful against other large private sector banks. Therefore, study of its change management profile and changing approaches based on published literature becomes imperative for a researcher and student of change management in banking. As they say in an amusing way, almost everything appears to be changing at Axis, except for the food menu. Different CEOs have contributed substantially for growth of the bank with their unique combination of change management initiatives..

[1]. Paul Healy and Rachna Tahilyani, Managing Change at Axis Bank (A), March 28, 2014, Harvard Business School, Publishing, Boston, 9-114-082
[2]. Paul Healy and Rachna Tahilyani, Managing Change at Axis Bank (B), April 2, 2014, Harvard Business School, Publishing, Boston, 9-114-083
[3]. Amit Sethi, President & Chief Information Officer, Axis Bank Ltd, Digital Ready IT Architecture Enabled Significant Benefits, July 29-30, 2015, Presentation at CAFRAL Program on Effective Change Management, Mumbai
[4]. IT transformation journey of Axis Bank -Digital Ready IT Architecture enabled significant benefits: Amit Sethi, President & Chief Information Officer, Axis Bank Ltd.
[5]. Smt. Shikha Sharma, Former Managing Director, Axis Bank, Mumbai, Presentation at CAFRAL for Heads of Public Sector Banks, Roundtable Meeting with Chairmen and CMDs, June 2016

Abstract: A business applying Big Data would have invested significant resources to collect, process, prepare, and eventually analyze it and accordingly expects more intense insights and knowledge as results.The Big Data concept evoluation has inspired me to review selected types ofBig Data Analytics to clarify it and highlight its expected contributions.

Key Word: Big Data Analytics, Customer performance analytics, Employee performance analytics

[1]. Appelbaum, D., A. Kogan, et al. (2017). "Impact of business analytics and enterprise systems on managerial accounting." International Journal of Accounting Information Systems25: 29-44.
[2]. Chen, J., Y. Tao, et al. (2015). "Big data based fraud risk management at Alibaba." The Journal of Finance and Data Science1(1): 1-10.
[3]. Cox, M. and D. Ellsworth (1997). Application-controlled demand paging for out-of-core visualization. Proceedings of the 8th conference on Visualization'97, IEEE Computer Society Press.
[4]. Dumbill, E. (2012). "What is big data? An introduction to the big data landscape." oreilly. com, http://radar. oreilly. com/2012/01/what-is-big-data. html.
[5]. Gandomi, A. and M. Haider (2015). "Beyond the hype: Big data concepts, methods, and analytics." International Journal of Information Management35(2): 137-144.

Abstract: The well accepted goals of every modern society is economic development which emphasizing the social justice, there is no difference between nations be they rich or poor ,capitalistic or socialistic, believers in planning or otherwise. Even the urge for greater economic well being in individuals as in nations is not separable from the desire to secure for oneself that which is already given to others. At the same time , there exists a conflict and choice between these fundamental objectives. That is, a large amount of resources are appropriated by a handful of people while a large segments of the society are deprived of that.

Keywords: Income Inequality Economic Growth Gini Coefficient Kuznet's Inverted U

[1]. Anand I., Thampi, A., Recent Trends in Wealth Inequality in India, Economic andpolitical weekly, 51(50), December 2016.
[2]. Atkinson, A. B. (2007). Measuring top incomes: methodological issues. Atkinson, ABand T. Piketty: Top Incomes over the Twentieth Century: A Contrast betweenContinental European and English-Speaking Countries, 18-42.
[3]. Alvaredo, F., Bergeron, A., &Cassan, G. (2017).Income concentration in British India,1885–1946.Journal of Development Economics.Vol. 127. Issue C. 459-469.
[4]. Banerjee, A., &Piketty, T. (2005). Top Indian Incomes, 1922–2000. The World BankEconomic Review, 19(1), 1-20.
[5]. Blanchet, T., Chancel, L. (2016). World National Accounts Series Methodology,WID.world working paper series 2016/2

Abstract: This paper empirically estimates the effect of Value Added Tax (VAT) on consumption in Nigeria using annual data from 1994 to 2018. In addition to consumption, the variables captured in the model include VAT, interest rate and inflation rate. This paper further employed Auto Regressive Distributed Lag approach in estimating the relationship among the variables. The paper reveals that VAT has a positive and statistically significant impact on consumption in Nigeria. Therefore, this study recommends the needs for government to be reviewing the VAT rate from time to time in order to serve as a technique for controlling and checkmating the level of consumption in Nigeria.......

Keywords: Consumption, Value Added Tax, Interest Rate and Inflation Rate.

[1]. Adebayo, G. A. (2016). The Supremacy of Indirect Taxes in Generating Revenue in Nigeria: The Case of the Local and State Governments. IIARD International Journal of Banking and Finance Research. ISSN 2695-186X Vol. 2 No.3 2016 www.iiardpub.org
[2]. Ajakaiye, D.O. (1999). Macroeconomic effects of VAT in Nigeria: A computable general equilibrium analysis. African Economic Research Consortium, Nairobi (AERC) Research Paper 92, March
[3]. Ajibola, J. O. & Olowolaju, P. S. (2017). Taxation and its influence on household consumption; The Nigerian experience. IIARD International Journal of Economics and Business Management ISSN 2489-0065 Vol. 3 No. 2 . from www.iiardpub.org
[4]. Andre,D., Jason, L., Cathal O. & Dirk, V. (2009. Incidence and welfare effects of indirect taxes. See discussions, stats, and author profiles for this publication at: https://www.researchgate.net/publication/242083422.
[5]. Bird, R. (2005). Value-added taxes in developing and transitional Countries: Lessons and questions. International Studies Program, Andrew Young School of Policy Studies, Georgia State University, Working Paper No. 05-05. Atlanta, GA

Abstract: India's developmental roadmap is very unique, unilateral and unanimous because of its geographical, demographical and socio-cultural diversifications. For the last two decades, service sector of India-mainly information technology, communication, tourism, insurance, banking etc., has emerged as an unequivocal centre for universal attraction. In fact, it is attracting most of the economy‟s foreign direct investment and contributing almost 53 percent of India‟s Gross Domestic Product (GDP). This paper will concentrate on insurance sector in general and life insurance in particular. This topic has been selected because insurance industry has the ability to mitigate loss, bring financial stability and promote trade and commerce in the economy......

Keywords: Insurance, Financial Inclusion, Social Inclusion, Pradhan Mnatri Jan Dhan Yojana,Pradhan Mantri Jeevan Jyoti Bima Yojana, Pradhan Mantri Suraksha Bima Yojana.

[1]. Ashere G Mukul and ZenFauziah (2018)"Social Protection Goals in East Asia"Routledge Publication
[2]. SaratheO.P. and Sharma Vipin (2017) "Analytical View on Pradhan Mantri Jeevan Jyoti BimaYojna", Journal of Manageent Engineering & Information Technology
[3]. Shekar Miryalaand VeeramaniSadaba (2017)"Financial inclusion through Insurance and Pension Schemes", European Business and Management
[4]. 4.Vidyashree DV and RathodPrathod (2015) "Financial Inclusion- AStudy on Modi‟s PMJJBY, PMSBY &APY", International Journal of Applied Research
[5]. BedprakashSwamyroy (2017)"India‟s Journey Towards Sustainable Population"Springer International Publishing Switzerland

Abstract: Companies engaged in the mass media must be able to compete in accordance with the jobs aspects needed by all employees and the behavioral aspect provides an overview of one's views and attitudes towards work. The company wants adequate and sustainable profits in order to compete and produce the best performance. Employee performance is the ability to work or something achieved or employee performance shown. Shows employee performance of PT Harian Tribun Medan aspects of behavior in each department on average has a value of less than 1.61, according to the KPI assessment is not acceptable, in the aspect of work the average has a value of 1.61-2.50, meaning that according to the KPI assessment is still need improvement. The formulation of the problem in this study is whether the work aspects and behavioral aspects have a partial and simultaneous influence.......

Keywords: Job Aspects, Behavioral Aspects, Employee Performance

[1]. Arikunto, Suharsim. 2002. Prosedur Penelitian. Jakarta: Rineka Cipta.
[2]. Ghozali, Imam. 2016. Aplikasi Analisis Multivariat Dengan Program SPSS. Semarang: Badan Percetakan Universitas Dipenogoro.
[3]. Robbins. P.S. 2002. Prinsip-Prinsip Perilaku Organisasi. 5th Ed. Jakarta: Erlangga.
[4]. Siagian, S.P. 2006. Manajemen Sumber Daya Manusia. 13th Ed. Jakarta: Bumi Aksara.
[5]. Sudarto. 2011. Meningkatkan Kinerja Perusahaan Jasa Konstruksi di Indonesia. Jakarta: CSIS.

Abstract: PT Lunata Teknokindo Group is a professional company engaged in the field of information technology. This company focuses on the service of goods and services in the form of hardware, software and networking. The purpose of this study was to analyze the effect of price and service quality on customer satisfaction at PT Lunata Teknokindo Group. This research uses quantitative research. The sample in this study was 73 Lunata Teknokindo Group project customers in Sumatera Utara. Hypothesis testing is done with the F test approach and also the t test. Data analysis method used is multiple regression analysis. The results showed that price and service quality together (simultaneously) had a positive and significant effect on customer satisfaction of PT Lunata Teknokindo Group.....

Keywords: Price, Service Quality, Customer Satisfaction

[1]. Abdillah, Willy and Jogiyanto. 2015. Partial Least Square (PLS) Alternatif Structural Equation Modeling (SEM) dalam Penelitian Bisnis. Ed.1. Yogyakarta: ANDI.
[2]. Cooper, D.R. and Schindler, P.S. 2014. Business Research Methods. New York: McGraw-Hill.
[3]. Hasan, Ali. 2013. Marketing dan Kasus-kasus Pilihan. Yogyakarta: Center of Academic Publishing Service.
[4]. Kotler, Philip and Keller, Kevin Lane. 2012. Manajemen Pemasaran. Edisi Ketiga Belas Jilid 1 Dan 2. Jakarta: Erlangga.
[5]. Markplus. 2009. Marketing the second generation. Jakarta: Gramedia Pustaka..

Abstract: Mall is a shopping center with a core of one or several large department stores as an attraction for small retailers. The purpose of this research is to analyze the influence of the shopping center atmosphere on hedonic shopping value at the Cambridge City Square Mall Medan, analyze the influence of the shopping center atmosphere on impulse buying at the Mall Cambridge City Square Medan, analyze the effect of hedonic shopping value on impulse buying at the Mall Cambridge City Square Medan and analyze the effect of the shopping center atmosphere on impulse buying through hedonic shopping value at the Cambridge City Square Mall Medan. This research uses....

Keywords: Shopping Center Atmosphere, Impulse Buying, Hedonic Shopping Value

[1]. Darma and Japarianto. 2014. Analisa Pengaruh Hedonic Shopping Value terhadap Impulse Buying dengan Shopping Lifestyle dan Positive Emotion sebagai Variabel Intervening pada Mall Ciputra World Surabaya. Jurnal Manajemen Pemasaran, Vol. 8, Iss. 2, Pp. 1907-235.
[2]. Hadi, Sutrisno. 2003. Metodologi Research. Yogyakarta: Pustaka And.
[3]. Herabadi, Astrid G., Bas Verplanken and Ad van Knippenberg. 2009. Consumption Experience of Impulse Buying in Indonesia: Emotionalarousal and Hedonistic Considerations. Asian Journal of Social Psychology, Vol. 12, Pp. 20–31.
[4]. Japarianto, Edwin. 2010. Analisa Faktor Type Hedonic Shopping Motivation dan Faktor Pembentuk Kepuasan Tourist Shopper di Surabaya. Jurnal Manajemen dan Kewirausahaan, Vol. 12, Iss. 6 Pp. 76-85.
[5]. Kang. J. and Poaps H.P. 2010. Hedonic and Utilitarian Shopping Motivations Offashion Leadership. Jurnal of Fashion Marketing and Managemant. Vol. 14, No.2, Pp. 312-328.

Abstract: Background: The objectives of this study is to analyze the influence of market attractiveness, unique resources and competitive strategy towards the business performance of the organic fertilizer industries in Indonesia. This research is a descriptive and verification research, and the construct of this research is based on concepts and relationships between variables in order to form the conceptual framework. Materials and Methods: This research is performed from the distribution of questionnaires and observations on the organic fertilizer industries which is spread out in Indonesia. The descriptive method is using scoring analysis and the verification method is.....

Key Words: Market attractiveness, unique resources, competitive strategy, business performance

[1]. Anastasia, Imelda, Izatti, Munifatul & Suedy, Sri Widodo Agung. (2014). Pengaruh Pemberian Kombinasi Pupuk Organik Padat dan Organik Cair Terhadap Porositas Tanah dan Pertumbuhan Tanaman Bayam. Jurnal Biologi. Vol. 3, No. 2.
[2]. Barker, Chris., Pistang, Nancy, & Elliot, Robert. (2002). Research Methods in Clinical Psychology. Second Edition. John Wiley & Sons.
[3]. Barney, J. B. (1991). Firm Resources and Sustained Competitive Advantage. Journal of Management. Vol. 17, pp. 99-120.
[4]. Best, Roger J. (2013). Market-Based Management. Strategies for growing customer value and profitability. Sixth Edition. Pearson Education Inc. New Jersey.
[5]. Cahyanto, Dwi & Hilal, Hamzah. (2013). Analisis Potensi Keunggulan Kompetitif Re-farming Frekuensi 900 MHz. InCom Tech, Jurnal Telekomunikasi dan Komputer. Vol. 4, No. 1..