IOSR-JBM   Volume-1 ~ Issue-3 ~ May-Jun-2012

Paper Type	:	Research Paper
Title	:	Evaluating Service Quality of Higher Institutions in Oyo State
Country	:	Nigeria
Authors	:	ADELEKE, M. S.
	:	10.9790/487X-0130107

Abstract: In any given Academic Institutions of higher learning, a number of services are usually being provided. These services comprise of: Academic Services: Teaching, Research and Library Services; Administrative Services: Admission, Examination and Records, Students' Affairs, Students' Accounts, etc.; Environmental and Maintenance Services: Cleaning of Surroundings and Classrooms, Provision and Cleaning of Toiletry, Provision and Repairing of Furniture, etc. and Auxiliary Services: Health Services, Transportation, Canteen Services, Laundry, etc. There is no doubt that only key services are being carried out by campus management while part of the Environmental Services and Auxiliary Services are being contracted out. Whatever the situations are, the campus management and other participants in the provision of services within the campus always strive to give value in such critical services area to the students so as to prevent students' unrest within the campus which may arise as a result of poor quality of services. Therefore it becomes a responsibility on the part of the campus management and other stakeholders in service provision and delivery to meet the students' expectation which may differ from students' perception of the various services quality and thereby creating a gap that must be filled. This paper presents the results of using adapted SERVQUAL approach across a range of campus services. The results of the studies and the contribution of the SERQUAL to service development and continuous improvement within the campus are discussed. KeyWords: Quality, Higher Institutions, Services, Education

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Paper Type	:	Research Paper
Title	:	Investors' stock trading behavior: Perspective of Dhaka Stock Exchange
Country	:	Bangladesh
Authors	:	S.M. Arifuzzaman || Mohammad Noman Hossain Chowdhury || Md. Abdus Shahed
	:	10.9790/487X-0130815

Abstract: When it comes to trading stocks, behavior is often an issue. Being aware of the trading behavior of investors is vital as many stockholders are subject to their behavioral influences. This study uses descriptive statistics to investigate the stock trading behavior of investors of Dhaka Stock Exchange, explore the relationship between demographic characteristics and trading behavior, and examine the difference in trading behavior of stock traders with different demographic characteristics. Major findings of this research include majority of the traders have an average holding period of less than a month, target for a minimum profit of 0%-40% before selling stocks, can tolerate a maximum loss of 0-40% before selling their stocks, prefer to the maximum amount of their investment money in the banks and financial institutions, invest more than 50% of their investment money in the most preferred industry. It also finds some differences in trading behavior if they are categorized by gender, age group and highest educational level.
Keywords- trading behavior, Dhaka stock exchange, demographic, gender, age group, highest educational level.

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Paper Type	:	Research Paper
Title	:	Global Financial Crisis: Causes & Consequences
Country	:	India
Authors	:	Tanushree Gupta
	:	10.9790/487X-0131624

Abstract : The period of economic boom, a financial bubble—global in scope—has now burst. The global financial crisis, brewing for a while, really started to show its effects in the middle of 2007 and into 2008. Around the world stock markets have fallen, large financial institutions have collapsed or been bought out, and governments in even the wealthiest nations have had to come up with rescue packages to bail out their financial systems. On the one hand many people are concerned that those responsible for the financial problems are the ones being bailed out, while on the other hand, a global financial meltdown will affect the livelihoods of almost everyone in an increasingly inter-connected world. The problem could have been avoided, if ideologues supporting the current economics models weren't so vocal, influential and inconsiderate of others' viewpoints and concerns. The paper enlighten the facts regarding the major financial crisis like- Housing prices, Global saving glut, The financial turmoil of 2007-20, Securitization, Liquidity crisis, Mounting of oil prices and also fragment the facts of financial crisis with the help of the comparison between the average of previous recessions since 1950 to the Current recession (as of April 2009). Key words - bailed out, financial bubble, ideologues, Mounting, Securitization.

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Paper Type	:	Research Paper
Title	:	Financial Inclusion and Growth of Indian Banking System
Country	:	India
Authors	:	Atul Raman
	:	10.9790/487X-0132529

Abstract: The issue of financial inclusion is emerging as the new paradigm of economic growth. Financial inclusion plays a major role in driving a way the poverty from the country. Financial inclusion refers to delivey banking services to masses including privileged and disadvantaged people at an affordable terms and conditions. It not only enhances overall financial intensity of agriculture but also help in increasing rural non farm activities which lead to development of rural economy and improve economic condition of people. The three major aspects of financial inclusion are (i) access financial market (ii) access credit market (iii) learn financial matters. Reserve bank of India and government play and important role in promoting financial inclusion for economic growth. Government and RBI has taken various steps to increase banking penetration in the country, nationalization of banks, establishment of RRBs, introduction of SHG and strategy of one person one account for accessing financial market. Accessing credit facilities improving interest rates, simple KYC process are major steps because nearly 80% of the population in India is without life, health, nonlife insurance cover.RBI has also adopted two strategies to generate great awareness and expand the reach of banking services which can be termed as empowerment and protection. The present paper purports is to access the Indian experience through descriptive and empirical studies of available statistical data and role of RBI in promoting financial inclusion. With special reference of some articles it is found that there are 403 million mobile users in India in which 54% has bank account. In which rural average among the adult population is 39% against 60% in Urban India. Himanchal Pradesh is only state to achieve full financial inclusion. The paper also explain the further opportunities, scope and challenges for financial inclusion.The paper concludes that financial inclusion plays a major role in driving away the poverty from the country. In India

1. Thorat Usha, (2007), Financial Inclusion- The Indian experience, HMT- DFID, Financial Inclusion conference 2007, London.
2. Pawar Ganesh, joshi,Chandra Deepak, 2008, Inclusive Growth- Role of banks and credit providers in the economy and credit delivery models.
3. Prof. Chaturvedi G.C.,2010 , "State need to be proactive".
4. Government to open 50mn bank accounts in villages, BS reporter, New Delhi, February 8,2011.
5. Evaluation of 100% financial inclusion in Himanchal Pradesh & two district of Punjab, (2010)University Business School, Punjab University, Chandigarh.
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Paper Type	:	Research Paper
Title	:	Making your follower follow with 'hearts and minds'
Country	:	Indonesia
Authors	:	Desi Dwi Prianti
	:	10.9790/487X-0133036

Abstract : This report is discussing the management-employee communication at Indonesia private university, Islamic Sultan Agung University (Unissula). The objective of this research is to give recommendation to develop a strategic approach for management-employee communication by studying management-employee communication theories, examining the current situation in Unissula and understanding the trends in management-employee communication. This report is mainly focusing on the influence of leadership communication style on organization performance. However it is acknowledged the influence of another factor: Indonesia private university's culture. Keywords: leadership communication, democratic leadership, lateral leadership, and assertiveness. (Word count: 5018)

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6. Criswell, C and Martin, A. (2007). 10 trends: a study of senior executives' views on the future. A CCL research white paper. [pdf] Center for creative leadership. Retrieved from http://urgenceleadership.lesaffaires.com/attachments/1298_TenTrends.pdf
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Paper Type	:	Research Paper
Title	:	Barriers to Development: Terrorism, Corruption and Social Violence
Country	:	India
Authors	:	Pooja Singh
	:	10.9790/487X-0133742

ABSTRACT: BARRIERS TO DEVELOPMENT India has made significant in-roads on its path to development. A country reeling at the literacy rate of 18.35% in 1951 has achieved a significant literacy rate of 65.38% by 2001. India plays a vital role in the software industry in the modern world. At the times of recession, while the rest of the world had its back on the grounds, India was among the few countries that managed to continue with a positive growth rate. Apart from all the significant changes that have happened in 64 years of Independence, India still have a lot of issues to worry about? India's population base is enlarging every moment, standing as the 2nd most populous nation; it is set to topple china in sometime. With 26% population under the poverty line, 35% of the population lives on less than 1$ a day and 80% less than 2$. Initiatives have been taken like the National Literacy Mission and the Sarva Siksha Abhiyan for achieving 100% literacy, Yet India has faltered to do so till 2011.........
Keywords: Barriers, Corruption, Development, Social Violence, Terrorism.

1. Terrorism and Development Co-operation, Piet Terhal, International Workshop
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4. United Nations Development Programme, Human Development Report 2002: Deepening democracy in a fragmented world (New York: Oxford University Press, 2002)
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8. Violence in India, IndianChild, 2000
9. Social Violence and the Social Institutions, Toma Tomov
10. The Geneva Declaration on Armed Violence and Development, Geneva, 7 June 2006

Paper Type	:	Research Paper
Title	:	The role of advertising and promotions in enhancing brand credibility and customers' using intention
Country	:	Malaysia
Authors	:	Zahra Seyed Ghorban
	:	10.9790/487X-0134349

Abstract: The antecedents of brand credibility have not been investigated in detail to find out what are the factors that influence brand credibility especially in service industry. Marketing mix elements is one of the factors that have been argued to be potential drivers of brand credibility. This study by targeting this issue tried to find out the significant relationship of advertising, monetary, and non-monetary promotions with brand credibility, which would result in higher expected utility among consumers by increasing quality perception, and decreasing perceived risk and information costs. SEM using AMOS developed to analyze the 177 data collected from consumers who were the users of telecommunication services. The results showed that both advertising and non-monetary promotions were in positive significant relationship with brand credibility, while the relationship between monetary promotions and brand credibility could not be supported. On the other hand, brand credibility was found to be positively related to perceived quality and information costs saved, and negatively to perceived risk; which would result in higher using intention.
Keywords: Brand credibility, Information costs saved, Marketing mix elements, Perceived quality, Perceived risk, Utility intention.

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3. Baek, T.H., J. Kim, and J.H. Yu, The differential roles of brand credibility and brand prestige in consumer brand choice. Psychology and Marketing, 2010. 27(7): p. 662-678.
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9. Rao, A.R., L. Qu, and R.W. Ruekert, Signaling unobservable product quality through a brand ally. Journal of Marketing Researc, 1999. 36(2): p. 258-68.
10. Erdem, T. and J. Swait, Brand Credibility and its Role in Brand Choice and Consideration. Journal of Consumer Research, 2004. 31(1): p. 191-199.

Paper Type	:	Research Paper
Title	:	Sustainable Development and Multinational Business
Country	:	Malaysia
Authors	:	Izdihar Baharin @ Md. Daud || Dr. Ilham Sentosa
	:	10.9790/487X-0135056

ABSTRACT: The issue of sustainability development in business had been debated at the highest level of the world governing bodies and had strong following from nations across the globe. Business today no longer sees the incorporations of sustainable development dimensions of economy, environmental, social and cultural into their business practice as additional cost structures but more as a business strategy to win over customers and markets. Since these additional costs are expensive, multinationals are the beast conduits to pursue the amalgamation of sustainable development in business.
Keywords: sustainable development, multinationals, business

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