IOSR-JBM   National Conference on Advances in Engineering, Technology & Management [AETM'16]

Abstract: Financial inclusion means providing financial products and services to people at very low cost or providing financial services to that section of society, which do not have basic banking facilities, such as saving accounts or deposit and payment facility.1 For effective growth of economy, it is necessary to involve those people in banking sector who are not having access to banking sector......

Key words- Banking, inclusion, innovative moneylenders, productive.

[1] A. Mukherjee, and S. Chakraborty, "Financial Inclusion of the poor and Marginalised in Jharkhand: Analysis of the Existing Model", International Journal on Research and Development-A Management Review (IJRDMR), 1(1), 2012.

[2] K. H. Divya, "A Study On Impact Of Financial Inclusion With Reference To Daily Wage Earners", Journal Of Business Management & Social Sciences Research, 2(6), 2013, 85-92.

[3] A. Sharma and S. Kukreja, "An analytical study: Relevance of Financial Inclusion for developing nations", International Journal of Engineering and Science, 2013, 15-20.

[4] M. Sarma and J. Pais, "Financial inclusion and development", Journal of international development, 23(5), 2011, 613-628.

[5] T. P. Shabna Mol, "Financial Inclusion: Concepts and Overview in Indian Context", Abhinav International Monthly Refereed Journal of Research in Management & Technology, 3(6), 2014.

Abstract: In the current scenario where everyone wants to head the market, it is very important for the marketers to understand the consumer buying behaviour. To chalk out the marketing strategies for their companies, it is crucial for managers to have a proper knowledge and understanding of buyer's behaviour. When a large numbers of consumer buys the product of a particular company that symbolize how well they had planned their marketing strategies........

KEYWORDS: Consumer behaviour, factors influencing, low involvement, unplanned buying, untapped market

[1] http://www.google.co.in/url?url=http://www.slideshare.net/tushaarjoshi/factors-affecting-buying-behavior-at-the-point-of sale.
[2] J.W. Ajzen, "Names, Brands, Branding: Beyond the Signs, Symbols, Products and Services", Journal of Product & Brand Management, 12(2), 1988, 117- 118.
[3] M. Husnain and M. W. Akhtar, "Impact of Branding on Impulse Buying Behavior: Evidence from FMCG‟s Sector Pakistan" International Journal of Business Administration, 7 (1), 2016.
[4] P. Darda and V. D. Saxena, "Online market: a comparative study of consumer behaviour from rural and urban areas" International journal of logistics & supply chain management perspectives, Pezzottaite Journals, 4, (1), 2015.

Abstract: This paper seeks to examine the relationship between foreign direct investments (FDI) inflow, and CO2 emissionin Indiafrom last three decade (1981 to 2011). This study provides a better understanding offoreign investment while maintaining a sustainable development. In order to achieve this task, this paper tests whether or not FDI inflow has impact on environmental deterioration in particular on air quality........

Keywords: CO2emissions,FDI inflows, granger causality, johansen co-integration, pollution heaven.

[1] D. Sanyal, "Green problem: How India fares in Global carbon emissions", Business Standard, 2015.
[2] "World Development Indicators (WDI)", World Bank, (2011). Data retrieved March 2, 2016, from World Development Indicators Online (WDI).
[3] J. Platt, "CO2 101: Why is carbon dioxide bad?", 2013.
[4] United States Congress, House (n.d.),"Examining the U.N. Intergovernmental Panel on Climate Change process: Hearing before the Committee on Science, Space, and Technology", 2014.
[5] T. Mill, M. Park and D. Ross, "Reductive Sequestration of Carbon Dioxide", 2000, 1–9.

Abstract: The field of neurosciences has advanced to such an extent that even minute neuronal activities can be measured and studied. These advances created paradigm shifts in the knowledge basis of diversified fields. Medicine, finance, computers, economics are a few of them. Unsubstantial efforts were put in to utilize this technology to better understand the consumer and develop better marketing strategies until, neuromarketing came into existence.....

Keywords:Neuromarketing, Human Black-Box, Interpretative Structural Modeling, driving power, dependence, Acceptance

[1] True Impact Marketing Inc. (2013, November 3). Neuromarketing Theory and Practice Magazine. Retrieved from http://www.trueimpact.ca/: http://www.trueimpact.ca/neuromarketing-theory-and-practice-magazine/
[2] Agarwal, A., Shankar, R., & Tiwari, M. (2007). Modeling agility of supply chain. Industrial Marketing Management, 443-457.
[3] Ambler, T., Ionnaides, A., & Rose, S. (2000). Brand on the brain-Neuroimages of advertising. Business strategy review, 11(3), pp. 17-30.
[4] Barkin, E. (2013). The Prospects and Limitations of Neuromarketing. Retrieved from http://www.destinationcrm.com/: http://www.destinationcrm.com/Articles/Editorial/Magazine-Features/The-Prospects-and-Limitations-of-Neuromarketing-90150.aspx
[5] Bayers, C. (2011, october 03). This Is Your Brain on Marketing Up close and personal with fMRI. Retrieved october 25, 2012, from www.adweek.com: http://www.adweek.com/news/advertising-branding/your-brain-marketing-135355

Abstract: The existence of calendar anomalies is the violation of Efficient Market Hypothesis (EMH). Stock Market anomalies are the patterns that do seem to lead to abnormal returns more often than not, and since some of these patterns are based on information which is publicly visible, market anomalies present a challenge to the semi-strong form of the EMH, indicating that fundamental analysis does have some value for the individual investor......

Keywords: Abnornmal returns, disappear, efficient market hypothesis, existence, predictability.

[1] S. Ali and M. Akbar, "Calendar Effects in Pakistani Stock Market", International Review of Business Research Papers, 5(1), 2009, 389-404.
[2] S. Amanulla and M. Thiripalraju, "Week End Effect: New Evidence from the Indian Stock Market", Vikalpa, 26(2), 2001, 33-50.
[3] R. Anshuman, and R. Goswami, "Day of the Week Effects on the Bombay Stock Exchange", The ICFAI Journal of Applied Finance, 6(4), 2000, 31-41.
[4] R. Apolinario, et al. "Day-of-the-Week Effect on European Stock Markets", International Research Journal of Finance and Economics, 2, 2006, 53-70.
[5] A. Bayar, and O. Kan, "Day of the Week Effects: Recent Evidence from Nineteen Stock Markets", Central Bank Review, 2, 2002, 77-90.

Abstract: The paper studies the bank customers' perspective regarding customer relationship management (CRM) practices with refence to service quality of the Public and Private sectors banks in India. In todays scenario, when markets have become highly competitive due to globalization and privatization, customer relationship management (CRM) is gaining importance for successful growth of the banking industry. The study holds importance as marketeers have to find ways to increase the number of new customers alongside the rention of old ones......

Key Words: Bank customers, customer relationship management, private banking, public sector banks,.

[1] N.B. Ruth and H.D. James, "A Longitudinal Analysis of the impact of service changes on customer attitudes", Journal of Marketing, 55(1), 1991, 1-10.
[2] W. Boulding, A. Karla, R. Staelin and V.A. Zeithaml, "A dynamic process model of service quality: From expectations to behavioural intentions", Journal of Marketing Research, 30(1), 1993, 7-27.
[3] F. Buttle, The S.C.O.P.E. of Customer Relationship Management, 2002.
[4] R.T. Buzzell and B.T. Gale, The PIMS Principles, (Free Press: New York, 1987).
[5] P.B. Crosby, Quality is free – The Art of Making Quality Certain, (Mc Graw Hill: New York, 1979).

Abstract: Before the emergence of the crisis, banks mainly had income only from the lending activities. But these days' banks are operating with diversified revenues, and are enjoying the benefits of sustainable partnerships with insurance institutions. With the innovative product, i.e. bancassurance, both banking and insurance companies are boosting their revenues....

Keywords: Bancassurance, Private Sector Banks, Branch Network.

[1] Swiss Re, "Bancassurance: A Survey of competition between banking and insurance", Sigma No. 2, Switzerland, 1992, 4.
[2] Gonulal, O. Serap, N. Goulder, and Rodney R., Lester, Bancassurance -- A Valuable Tool for Developing Insurance in Emerging Markets (September 1, 2012). World Bank Policy Research Working Paper No. 6196.
[3] Alavudeen, Rebeena, and K.D. Rosa, "Growing Role of Bancassurance in Banking Sector." Bonfring International Journal of Industrial Engineering and Management Science, 5(2), 2015, 10-16.
[4] Sarvanakumar, Punith, Gunasekaran and Sankar, "Flourishing Bancassurance Business: An Indian Perspective", International Journal of Multidisciplinary Research, 2(2), 2012.

Abstract: Online grocery business is at emerging stage in India. Online retailers need to analyze different factors that affect consumers purchase intentions towards online grocery shopping. It is also observed that buying behavior of consumers for online grocery shopping is totally different than buying from physical markets. Online grocery model fulfills consumers' need and help them to save their time and effort...........

Keywords- E-grocery, Models, Consumers, Shopping.

[1] http://www.businessinsider.in/This-E-grocery-Start-up-Uses-A-Lean-Model-For-Its-Online-Supermarket-In-Talks-To-Raise-Series-BFunding/articleshow/31184822.cms.
[2] http://www.iamwire.com/2015/07/future-online-grocery-shopping-india/119976
[3] J. Småros, and J. HolmstroÈm,"Viewpoint: reaching the consumer through e-grocery VMI". International Journal of Retail & Distribution Management, 28(2), 2000, 55-61.
[4] M. Punakivi and J. Saranen, "Identifying the success factors in e-grocery home delivery", International Journal of Retail & Distribution Management, 29(4), 2001, 156-163.
[5] Y. Duval, "Emerging business models in the e-grocery industry", Proc. 3rd European Conference of EFITA, Montpellier, France, 2001, 427-432.

Abstract: This paper examined the relationship of stock market liquidity on the firm value of Indian manufacturing firms included in the S&P BSE 100 Index from 2009 to 2012. The random effects panel regression model has been invoked to analyze the relationship. The empirical results support the stock market liquidity implications of...............

Keywords: Firm value, stock market liquidity, S&P BSE 100 Index

[1] T. Singh, M. Gupta, and A. Sharma, Stock market liquidity and firm performance, Accounting, 1, 2015, 29-36.
[2] V. W. Fang, T. H. Noe, and S. Tice, Stock market liquidity and firm value, Journal of Financial Economics, 94, 2009, 150-169.
[3] E. Maug, Large shareholders as monitors: is there a tradeoff between liquidity and control?, Journal of Finance, 53, 1998, 65–98.
[4] B. Holmstrom, and J. Tirole, Market liquidity and performance monitoring, Journal of Political Economy, 1, 1993, 678–709.
[5] A. Subrahmanyam, and S. Titman, Feedback from stock prices to cash flows, Journal of Finance, 56, 2001, 2389–2413.

Abstract: Today is the world of a single click magic. What that magic is? The reply is concealed in technology i.e. INTERNET. Online commerce is now serving the marketers to amplify their business and profits. The e marketers are using diverse strategies to catch the attention of the customers to put up the products for online sale. Online shopping is the product of information............

Keywords: E commerce, information technology, internet, online shoppers, online shopping.

[1] P. Fernandez, Valuation of internet related companies, 2015, 1-19.
[2] J. liaukonyte, T. Teixeira and K. C. Wilbur, Television advertising and online shopping, 2014.
[3] W.Gong, R. L. Stump and L. M. Maddox, "Factor influencing consumer online shopping in china", Journal of Asia business studies, 7(3), 2013, 214 – 230.
[4] K. F. Gehrt, M. N. Rajan, G.Shainesh, D. Zerwinshi and M. O‟ Brien, "Emergence of online shopping in India: Shopping orientation segments", International Journal of retail & distribution management, 40(10), 2012, 742 – 758.
[5] G. Stephen, W. Mengqiue and L. Jure, "The Role of social networks in online shopping. Information Passing, Price of trust and consumer choice", 11, (2011), 1-10.

Abstract: Economic growth of developing countries primarily depends upon the various socio-economic factors such as level of output, rate of saving and investment, standard of living of people, per capita income as well as national income and finally on industrial development. Pakistan is the second largest economy in the south Asia in terms of market size and availability of cheap labor force, however, failed to attract the surge of FDI inflow in the economy during last two decades. More specifically, the foreign investment comes in Pakistan generally on the basis of relation i.e....

Keywords- Economic growth, financial crisis, GDP, GDPPC, GNI, TOP.

[1] Z. Atique, H. M. Ahmad and U. Azhar, "The impact of FDI on economic growth under foreign trade regimes: A case study of Pakistan", The Pakistan Development Review, 43(4), 2004, 707–718.
[2] Aurangzeb, and A. U. Haq, "Impact of foreign capital inflows on economic growth in Pakistan", European Journal of Economics, Finance and Administrative Sciences, 46 (6), 2012.
[3] E. Borensztein, G. J. De and W. Lee, "How does foreign direct investment affects economic growth", Journal of International Economics, 45(1), 1998, 115–135.
[4] A.Khan, "Foreign direct investment and economic growth: The role of domestic financial sector", Pakistan PIDE, Working Paper, 2007.
[5] M. M. Yousuf, Z. Hussain and N. Ahmad, "Economic evaluation of foreign direct investment in Pakistan", Pakistan Economic and Social Review, 46(1), 2008, 37–56.

Abstract: Microfinance refers to small savings, credit and insurance services extended to socially and economically disadvantaged segments of society. It is emerging as a powerful tool for poverty alleviation in India. Various MFIs operate in India like Bandhan Financial Services Pvt. Ltd., BSS Microfinance Pvt. Ltd., Cashpor Micro Credit, Disha Microfin Pvt. Ltd.,.........

Keywords: Microfinance, outreach, sustainability.

[1] R.P. Christen, "Microfinance and sustainability: International experiences and lessons for India in Towards a Sustainable Microfinance Outreach in India", NABARD, GTZ and SDC, 2006, 43-67.

[2] V. Mahajan, and B. G. Ramola, "Financial services for the rural poor and women in India: Access and sustainability". Journal of Int. Dev., 8(2), 1996, 211–224.

[3] N. Marakkath and L. Attuel-mendes, "Can microfinance crowdfunding reduce financial exclusion? Regulatory issues", International Journal of Bank Marketing, 33(5), 2015, 624 – 636.
[4] R. Rosenberg, "Measuring Microcredit Delinquency: Ratios Can Be Harmful to Your Health, Consultative Group to Assist Poorest, 3 1999.

Abstract: Facilitating loan and advances to customers is the main stream of banking business. The loans are advanced by banking institution to different segment of their market. These segments primarily fall under priority and non-priority sectors, in former sector bank are directed to grant as per guidelines by the Reserve Bank of India. Furthermore, the rise of non-performing assets (NPAs) in banks is influenced by many reasons depending......

Key Words: Banking, loan and advances, non-performing assets, priority sector

[1] Master Circular – Prudential norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances, 2014.
[2] N. Rani and D. Gaba, "Analysis of Non-Performing Assets of Public Sector Banks‟, GJRA- Global Journal for Research Analysis, 3(9), 2014, 5.
[3] M. Shetty, Corporates‟ Rs 1 lakh crore bad loans written off: RBI, Times of India, 2013.
[4] R K Uppal, "Priority sector advances: Trends, issues and strategy‟, Journal of Accounting and Taxation, 1(5), 2009, 89.
[5] A.Baijal, "High Ratio of agriculture NPAs in priority sector lending by public and private banks in India- Reasons, suggestions and discussions", International Journal of Science and Research, 4(4), 2015, 885.

Abstract: This research paper revolves around the concept of Start-up India Campaign which was started on 15th august,2015. The basic purpose of this article is to put some light on the start-ups and the initiative taken by the Indian govt. The start-ups are the kind of companies which are innovative in their course of development, analysis, evaluation, research for the target segment...........

Key Words: Entrepreneur, govt plans, initiatives, strategies, success stories.

[1] Y. Sharma, "Women entrepreneur in India", IOSR Journal of Business Management,15(2), 2013.
[2] M. Goyal and J. Prakash, "Women entrepreneurship in India-problems and prospects", Zenith International Journal of Multidisciplinary Research,1(5), 2011.
[3] M.D. Ensley, K. M. Hmieleski and C. L. Pearce, "The importance of vertical and shared leadership with in new venture top management teams: Implication for the performance of the startups", 2006 .
[4] N. Bosma, M. V. Praag, R.Thurik and G. D. Wit, "The value of human and social capital investment for the business performance of start-ups", 2002.
[5] M. Caliendo,S. Kunn,F. Wiebner and J. Hogenacker, "Subsidized start-ups out of unmployment :A comparison of regular business start-ups, IZA Discussion Papers", 8817, 2015.

Abstract: The world is turning its eyes towards India as India is ready to start a new phase in its journey towards becoming an economic powerhouse. The stage is all set for India as it is receiving the necessary initiatives from the Modi government. The backbone of every economy is its manufacturing sector, which helps in the generation of employment, productivity, and growth..........

Key Words: Entrepreneurship, digital India, entrepreneur, start-up India.

[1] R. Shrivastava, "Role of Entrepreneurship in Economic Development", 2(2), 2013, 1–5.
[2] K. L. Latha and C. Madhavaiah, "Small Scale Entrepreneurship in India, 3(2), 2008, 171–187.
[3] R. C. Ronstadt, "Entrepreneurship Development in India:The Evolution of Entrepreneurship", 1991, 45–61.
[4] S. Fazalbhoy, "Women Entrepreneurship as the Way for Economic Development", 2(1), 2014, 117–127.
[5] A. Szirmai and W. Naudé and M. Goedhuys, "Development: An Overview", 2010, 3–32.

Abstract: Purpose –It is utmost important to retain competent employees for the success of every organization. Mere use of money, technology and infrastructure could not bring success to an organization unless and until its employees are satisfied. For employee satisfaction, employees must be self motivated. Thus objective of this study is to analyze what factors affect quality of work life of faculty members working in public and private sector universities in Punjab.......

Key Words: Compensation, Job Satisfaction, Motivation, Quality of work life, University, Work load.

[1] M.H. Abel and J. Sewell, "Stress and Burnout in Rural and Urban Secondary School Teachers", Journal of Education Research, 92(5), 1999, 287-293.
[2] M. Almalki, G. Fitzgerald and M. Clark, "The Healthcare System in Saudi Arabia: An Overview", Eastern Mediterranean Health Journal, 17(10), 2011, 784–793.
[3] Anitha and S Rao, Quality of Work Life in Commercial Banks, (Discovery Publication House: New Delhi, 1998).
[4] N.A.S. Al-Doski , K.F. Aziz, "Job Satisfaction among Nurses in Iraq-Erbil City", International Journal of Academic Research, 2(5), 2010, 86–89.
[5] N. Al-Enezi, R.I. Chowdhury, M.A. Shah and M. Al-Otabi, "Job Satisfaction of Nurses with Multicultural Backgrounds: A Questionnaire Survey in Kuwait", Applied Nurses Research, 22 (2), 2009, 94–100.