IOSR-JBM   8th International Business Research Conference

Abstract: The perception of word "quality" is different for different people. But largly quality is synonymous to excellence, value to customer, conformance to specifications and standards, conformance to requirements, fitness for use, and ultimately to customer satisfaction. Total Quality Management (TQM) refers to company-wide quality assurance from suppliers to customers using system approach of documented sets of procedures and control of process variability in a team sprit with top management commitment. TQM makes entire organization to rethink and rework its existing systems, processes, culture, communication and customer care with a view to transforming the organization to enable it to cope with the changing context of global competition and become people driven, customer focused and quality commited organization.

[1]. Bauer A, Reiner G & Schamschule 2000,"Organisational and quality system development: an analysis via a dynamic simulation model‟,Total Quality Management, vol. 11. no. 4/5&6, pp. 410-416.
[2]. Dale H.Besterfield, Carol Besterfield-Michna, Glen H.Besterfield 2013 ,"Total Quality management"3 rd edition reprint 2013.
[3]. Deming W.E.1993, "Out of Crisis – Quality, Productivity and Competitive Position", Cambridge University Press, Madras, India.
[4]. Gaither N & Frazier G 1999, "Production and Operations Management", 8th ed. South- Western College Publishing, Cincinnati, Ohio.

Abstract: In the process of financial intermediation, banks face risks of different kinds which are financial and non –financial viz., credit, interest rate, foreign exchange rate, liquidity, equity price, legal, regulatory, reputational, operational etc. These risks are highly interdependent and events that affect one area of risk can have ramifications for a range of other risk categories. Thus, top management of the banks should attach considerable importance to improve the ability to identify measure, monitor and control the overall level of risks undertaken. For the purpose of risk management, banks also create suitable organizational structure and process which directly reports to top management in the bank.

[1]. ASSOCHAM: Growing NPAs in India: Efficacy of Credit rating Agencies in India, Price Water House , 2014
[2]. State Bank of India : Annual Reports & Accounts
[3]. ICICI Bank : Annual Report & Accounts
[4]. Reserve Bank of India : Reports on Trend and Progress of Banks in India
[5]. K.C.Sekhar and Lekshmy Sekhar : Banking Theory & Practice , Vikas Publishing House , 2011

Abstract: - Financial Literacy refers to the knowledge and skills which an individual should possess to make sound financial decisions. The young Information Technology workforce has large disposable income but lack the knowledge to invest in the right financial instruments which would give them good returns. The absence of financial literacy can lead to making poor financial decisions that can have adverse effects on the financial health of an individual. This paper attempts to study the financial literacy of the young IT workforce in Pune region. The most probable dimensions of financial literacy are financial knowledge, financial behavior and financial attitude. The findings of the research show that majority of the respondents could perform basic financial numerical tasks but awareness of financial products was average. The financial behavior was assessed by evaluating their way of dealing with disposable money. The respondents reflected positive attitude towards financial planning and inclination to save for growth.

[1]. Huston, S. J. (2010), Measuring financial literacy, Journal of Consumer Affairs, 44(2):296– 316.
[2]. Chiteji, N. S. and Stafford, F. P. (1999), Portfolio choices of parents and their children as young adults: Asset accumulation by African-American families, The American Economic Review, 89(2):377–380.
[3]. Agnew, J. R. and Szykman, L. R. (2005), Asset allocation and information overload: The influence of information display, asset choice, and investor experience, The Journal of Behavioral Finance, 6(2):57–70.
[4]. Lusardi, A. and Mitchell, O. S. (2007), Financial literacy and retirement preparedness:Evidence and implications for financial education, Business Economics, 42(1):35–44.

Abstract: Today the beauty has become an integral part of our life. Beauty is the combination of many qualities like shape, colour which derives asthetic sense in an individual. Beauty is also which present pleasure and satisfaction to individual mind spare. Beauty may have both internal and external compositions. Both the composition can work at any spare of time. Spritually also it has been quoted about the spare of inner beauty in human life.

[1]. Vasant Kiran, Mousmi Kishore(2012),"In – store promotion effects on consumer purchase Decision", European Journal of Business and Management ,vol 4,No 9
[2]. Kotler, P and Keller K(2009) Marketing Management 13 ed Upper river saddle, Prentice Hall
[3]. Schmitt Bernd( 1999) "Experimental Marketing", Journal Of Marketing Management, Vol 15(1-3), pp. 53-67
[4]. Berry Leonard Land Stephen H Hacked(2002), " Managing Total customer experience", Sloan Mgt Review 43 ( spring, pp. 85-9
[5]. Verhoef Peter c, Lemon N Katherene and Parsaraman(2009) ,"Customer Experience Creation –Determination Dynamics & Mgt Strategies," Journal of Retailing 85,pp. (31-41

Abstract: Investment is very important to park the surplus fund of an individual for the purpose of earning additional income or capital appreciation or both. The investor has to consider various factors while making an investment decision these are as follows: risk associated with the investment, tax benefits, liquidity, and marketability etc.

[1]. Aggarwal N and Gupta M (2007), "Performance of Mutual Funds in India: An Empirical Study", The ICFAI Journal of Applied finance, Vol. 13, No. 9.
[2]. Agarwal and Peensh R (1996) – A Comprehensive Approach to Mutual Funds, Orient Law House, New Delhi.
[3]. Alexander, Sharpe, Bailley- Fundamentals of Investment – Pearson / PHI, 3/e, 2001.
[4]. Anjaria D C, AMFI Workbook, AMFI Mumbai.
[5]. Chander, Subhash & Singh J (June 2004), "Performance of Mutual Funds in India - An Empirical Evidence", The ICFAI Journal of Applied Finance, (June 2004) pp.45-63.

Abstract: : RasPBX users get an additional choice today: The comprehensive set of Incredible PBX applications, as an Optional install on top of RasPBX. Incredible PBX has been famous for many years on the x86 platforms, and also has its own fork for the Raspberry Pi since mid-2012. Now with the new approach of an add-on installer, users get the combined benefits of both RasPBX and Incredible PBX. The Raspberry Pi has made quite a splash since it was first announced. The credit-card sized computer is capable of many of the things that your desktop PC does, like spreadsheets, word-processing and games. It also plays high-definition video. It can run several flavors of Linux and is being used to teach kids all over the world how to program. In the present days, if you plug-in any device directly to the Internet without a minimum protection system, you are just looking for trouble, so, this how to will help you provide some protection against hackers, for your Raspberry Pi Asterisk installation. One more reason for implementing fail2ban is the limited memory and CPU resources that the Pi has..

KEYWORDS:- RasPBX, VoIP, WiFi, SIP, and POTS.

[1]. http://www.raspberrypi.org/products/model-b-plus/
[2]. 2.http://www.microchip.com/wwwproducts/Devices.aspx?product=LAN9514
[3]. http://nerdvittles.com/?p=10151
[4]. http://en.wikipedia.org/wiki/Raspberry_Pi
[5]. Raspberry pi official website -http://www.raspberrypi.org/documentation/
[6]. http://www.myraspberry-pi.org/specifications/

This paper highlights information about the growth of retailing industry in India, growth of organized retail sector in India, strategies, strength and opportunities of retail stores, retail formats in India – recent trends and challenges faced by the industry currently and will face in near future globally. The paper deals with various retail formats and their opportunities for their growth and also introspect some strategies applied by the top retailers to face the challenge

[1]. MsvidushiHanda, Mr. Navneetgrover, Retail sector in India; Issues and Challenges, International journal of Multi-disciplinary Research Vol.2 .issue 5, may 2012.
[2]. Ms. Sonia,"changing face of Indian retail sector. Ethics challenges and opportunities. Journal of economic and sustainable development.
[3]. Dr.shahid Akhter IftekarEqubal, "Organized retailing in India: Challenges and opportunities, International journal of multidisciplinary Research, vol 2, issue 1.
[4]. ChetanBajaj , Retail Management . Oxford publishers

Abstract: Private Equity investment in India has helped creating some world class companies in India including companies like Bharti Airtel, GMR, Flipcart, Snapdeal.com etc. Private Equity companies help companies to grow and evolve. They help management of startup enterprises to execute their initial marketing and product development strategies. They help their portfolio companies to restructure operations, commercializing new products, acquiring or disposing assets etc. This paper analyses the private equity investment trend and boom-decline phases in India starting from the year 1996 till 2014.

Keywords:- Private Equity, Strategy, Growth Funding, Investment, Venture Capita

[1]. Alenxender Hardmuth, "Deal Screening in Buyout Firms", London Business School, 2005.
[2]. Amit Babuna, "Private Equity Impact on India", Venture Intelligence India, 2006.
[3]. Charles J. Cuny and Ali Talmov, "A theory of Private Equity Turnarounds", London Business School, 2005.
[4]. Dr. Alok Aggarwal, "An Indispensable Guide to Equity Investments in India- Facts and Forecasts", Evalueserve, 2008
[5]. Dr. Alok Aggarwal, "Is Venture Capital Market in India Getting Overheated", Evalueserve Research Publication, 2006.

Abstract: Customer satisfaction of Mumbai International Airport Ltd.(MIAL), refers how services supplied by an airport to meet customer expectation. Customer Satisfaction Survey of MIAL Passenger on Airport Services identifies the areas where investment will most to improve customer satisfaction. Understanding what is most important for passengers' satisfaction and also helps to identify where to focus financial and human resources by airport management.

 Kothari, C.R.: Research methodology, 3rd edition, 1997, Vikas Publishing House Pvt. Ltd, New Delhi
 Luck Rubin: Marketing Research, 1st edition, Prentice Hall, India
 Green, Tull, Albaum: Research for Marketing Decision, 1st edition, Prentice Hall, India
 Hair, Bush, Ortinay: Market Research, 3rd edition, TMH, New Delhi
 Saunders, Lewis: Research Methods for Business Study, 1st edition, Pearson Edu, Thornhall, New Delhi
Websites Referred

Abstract: Drafting the growth and development model for India is challenging task before policy makers, earlier growth & development models experienced in west will not be useful for our economic structure. Diversity on all fronts is the key challenge in deciding development patterns. Development henceforth will be referred to as sustainable development. Maharashtra a leading state in India has witnessed different development experience concentrated within few areas, precisely urban places. Political economy of Maharashtra state has important dynamics of Regional Imbalance, coastal area excluding Mumbai Metropolitan region has lagged behind. I feel that true reason behind this is not ignorance of Agriculture, but failure to link business aspect in Agriculture. Present paper attempts to establish linkage between Agriculture & Tourism to utilize local resources in most efficient manner. It will first explain the development experience of state & district. Further explore the scope for sustainable tourism & importance with case study.

1] Economic survey of Maharashtra, various issues.
[2] Socio Economics Survey Ratnagiri District various issues.
[3] Web site of
a. Maharashtra Tourism Development corporation Ltd.
b. World Bank.
c. Government of Maharashtra.

Abstract: Poverty eradication cannot be done by distribution of existing wealth, but by creation of new wealth- Narayan Murthy. Stock markets have always been looked upon as speculators paradise and never as a source of wealth creation. To add to the agony, Derivatives have only increased the pain of the retail investors and kept them away from markets. This study is an attempt to prove that wealth creation can be done with the help of Derivatives.

[1] Black, F. And Scholes, M., 1973, The Pricing of Options and Corporate Liabilities. The Journal of Political Economy, Vol. 81, No.3, pp. 637-654.
[2] Bollen, N. P. B. And Whaley, R. E., 2004, Does Net Buying Pressure Affect the Shape of Implied Volatility Functions? The Journal of Finance, Vol. 59, No. 2, pp. 711-753.
[3] Bondarenko, O., 2003, Why are Put Options So Expensive?, Working Paper. Chidambaran, N. and Figlewski, S., 1995, Streamlining Monte Carlo Simulation with the
[4] Quasi-analytic Method: Analysis of a Path-Dependent Option Strategy, The Journal of Derivatives, 10, pp. 29-51.

Abstract: The purpose of this study is to investigate how alternative supply chain management practices adopted by leading supermarkets engaged in fresh fruit and vegetable marketing in Navi Mumbai impact on the performance of the supply chain. We investigate on-going changes in the supply chain using information from leading supermarkets and related players. The information sheds light on how the new supply chain management policies and procedures have affected the cost structures, long-term profitability and organizational viability of the system. The emergence of supermarkets over the last decade or so has profoundly influenced Madhya Pradesh fresh fruit and vegetable marketing system, and the trend is expected to continue into the foreseeable future. The efforts of profit-motivated supermarket giants to sustain a very competitive market have altered traditional production and marketing channels. Evidence suggests that the supermarkets are competing to adopt a range of management strategies to offer quality products, a wider choice, reduced wastage, greater value for money and shorter, but more effective supply chains. The impact of supermarkets on global and local supply chains, and its implications for actors in the supply chains has received much attention in recent years. This research study will utilize standard performance measures to compare performance of competing supply chains including: (i) Satisfaction of stakeholders (supermarkets); (ii) Price performance (profitability); (iii) Labour employment; and, (iv) Efficiency (price stability, timely delivery of orders, quality management). Information will be collected though a series of interviews with the appropriate personnel in the supermarkets concerned and their supply chain partners.
Keywords: Supply Chain Management, Distribution System

[1] Cadilhon, J.-J., Moustier, P., Poole, N.D., Giac Tam, P.T. &Fearne, A.P. 2006. Traditional vs. modern food systems? Insights from vegetable supply chains to Ho Chi Minh City (Vietnam). Development Policy Review, 24(1): 31-49.
[2] Chen, K., Shepherd, A.W. & da Silva,C.A. 2005. Changes in food retailing in Asia: implications of supermarket procurement practices for farmers and traditional marketing systems, AGSF Occasional Paper no. 8. FAO, Rome.
[3] De Silva, G.A.C.2006. Crop diversification and marketing. A paper presented at the Council for Agriculture Research Policy (CARP), 15 November 2006, Colombo.
[4] Ghezan, G., Mateos, M. &Viteri,L.2002. Impact of supermarkets and fast-food chains on horticultural supply chains in Argentina. Development Policy Review, 20(4): 389-408.
[5] Hector Kobbekaduwa Agrarian Research and Training Institute (HARTI). 2005. A study on marketing on selected fruits in Sri Lanka. HARTI, Colombo. Market analyses 50

Abstract: The present study concentrates on the level of customers' satisfaction with respect to leading service providers in the telecom industry. Leading service providers Airtel, Vodafone, Docomo and Idea are chosen for the purpose of this study. It is observed that people switch the service providers very often due to several reasons. It may be because they are not satisfied with the present company. The dissatisfaction may be due to several factors like price, customer service, or better network, less activation time, more value added services, flexibility in changing various plans offered like individual plans, group plans, single plan for various data services, plans with different usage and talk rates etc. It is also a perception that as and when new plans are introduced by the companies, these lucrative sales promotion offers lead to switching over of the service providers. Therefore, it is important to know how satisfied the customers are with their present provider and the type of connection they have viz. post-paid or pre-paid.

[1]. Kumar, Mukesh and Kakani, Ram Kumar. The Telecommunications Revolution: Mobile Value Added Services in India. New Delhi: Social Science Press, 2012.
[2]. Desai,Ashok.V. India's Telecommunications Industry. New Delhi: Sage publications,2006
[3]. Varadharajan,Sridhar .The Telecom Revolution in India: Technology, Policy and Regulation. New Delhi: Oxford University Press, 2012.
[4]. Subramanian, Dilip. Telecommunications Industry in India: State, Business and Labour in a Global Economy, New Delhi: Social Science Press, 2010.
[5]. The Indian Telecom Services Performance Indicators. New Delhi: TRAI, 2013.