IOSR-JBM   Volume-3 ~ Issue-1 ~ Jul-Aug-2012

Paper Type	:	Research Paper
Title	:	Technology Adaptation, Innovation Resistance and Net-Banking Behavior among Middle Aged Adults
Country	:	India
Authors	:	Dr. Mini TC & Dr S.T. Janetius
	:	10.9790/487X-0310105

Abstract: Middle age is a period between young adulthood and old age. Psychologists have defined specific characteristics for this group of adults who are in the making of their own person. Unlike the EPIC generation (Fadul, 2010), it is generally agreed that the middle aged people are poor in technology adaptation. Innovation resistance therefore can place them in a disadvantageous position in the society. The phenomenal technology boom in India in the last two decades have initiated internet and online banking and banks started offering clientele services in a more competitive way. How far the middle aged adults have adopted this technology and live in tune with the modern trends is an unexplored area. Do all the middle aged consumers have adopted themselves to internet banking and the associated new technology; what are the reasons for utilizing net-banking and also innovation resistance - are the main focus of this study. The subjects of this exploratory study are middle aged adults (aged 40 to 60) from Pollachi region in Tamil Nadu. Convenient sampling was used to collect data. The data was analyzed using Innovation Resistance theory (Ram & Sheth, 1989) and the Technology Acceptance Model (Venkatesh & Davis, 2000) to identify online banking behavior.

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[8] Venkatesh, V. & Davis, F. D. (2000), "A theoretical extension of the technology acceptance model: Four longitudinal field studies", Management Science 46(2): 186-204

Paper Type	:	Research Paper
Title	:	Consumer Perception and Attitude towards the Visual Elements in Social Campaign Advertisement
Country	:	India
Authors	:	Ashish Sharma, Ambudi Bhosle, Brijesh Chaudhary
	:	10.9790/487X-0310617

Abstarct : This research paper tries to explore and describe consumer's attitude and perception towards the visual elements in social advertising campaign. The literature review concentrates on key areas of consumer behaviour, the role of perception in communication and the role of different image contents and elements in social advertising. We have used semi structured questionnaire and two focus-groups to obtain and analyse the feedback and observations of people regarding visual advertisements. Following from these are the results and discussion that focus on four key areas: perception towards social advertising; attention and interest; congruence; and authorial intent and reader response. Results indicate that perception towards image of social advertisements differed quite significantly between the male and the female respondents. Congruence was found to be highly subjective, and although the respondents showed great approval of an advertisement As a result of contrasting shock element and sexual element in social advertisement. The researcher came to the conclusion that these elements are the most effective in capturing attention and interest. The study concludes with a discussion of the main implications of the research and with forwarding of suggestions for further research.
Keywords: Social Advertising, Visual elements, Consumer Behaviour.

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[4] LUTZ, R.J., 1985. Affective and Cognitive Antecedents of Attitude towards the Ad: A Conceptual Framework. Psychological Processes and Advertising Effects: Theory, Research and Applications, Linda Allowed and Andrew Mitchell, eds, Hillsdale, NJ.
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[6] PERLOFF, R.M., 2003. The Dynamics of Persuasion: Communication and attitudes in the 21st Century (2e druk), Mahwah: Erlbaum.
[7] Barry, A. M., 1997. Visual Intelligence: Perception, Image, and Manipulation in Visual Communication. Albany:State University of New York.
[8] Barry, A. M., 2005. Perception Theory (Chapter 3). In Moriarty Smith, Barbatsis, Kennely, ed(s), Handbook of Visual Communication (Mahwah, NJ:Lawrence Earlbaum, Associates.
[9] PHILLIPS, B.J., and McQUARRIE, E.F., 2002. The Development, Change, and Transformation of Rhetorical Style in Magazine Advertisements 1954-1999. Journal of Advertising, 31(4), pp. 1-13.
[10] Schroeder, J. E., 2002. Visual Consumption. New York, NY:Routledge.

Paper Type	:	Research Paper
Title	:	Critical Factors Influencing the Performance of E-Business in SMEs
Country	:	Malaysia
Authors	:	Soheil Mojtabaei Motlagh, Mohammad Ali Jabbari Sabegh
	:	10.9790/487X-0311822

Abstract: E-business technologies have significantly affected business processes of companies. As a result, it is critical for organizations to have an effective and efficient e-business performance, particularly, for small and medium sized enterprises due to their lack of financial and human resources. The purpose of this paper is to study the factors influencing the performance of e-business in Malaysian small and medium sized enterprises. Quantitative method was used for this study and data were collected through survey questionnaire from managers working in SMEs performing in Malaysia. E-communication, e-intelligence, e-collaboration, knowledge sharing, IT employee, and External IT are the examined factors. All six hypotheses were supported by results of the study. Knowledge and expertise of IT employees and external IT were reported to be the most influential aspects on the performance of e-business in SMEs. Theories used in this study include resource-based view, knowledge-based theory, and competence-based theory.
Keywords: e-business capabilities, e-business performance, knowledge sharing, IT outsourcing, SME.

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[6] Raymond, L., Bergeron, F., (2008), Enabling the business strategy of SMEs through e-business capabilities: A strategic alignment perspective, Industrial Management & Data Systems, Vol. 108 No. 5, pp. 577-595.
[7] Barney, J. (1991), Firm resources and sustained competitive advantage, Journal of Management, Vol. 17 No.1, pp. 99-120.
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[9] Bharadwaj, A.S. (2000), A resource-based perspective on information technology capability and firm performance: an empirical investigation, MIS Quarterly, Vol. 24 No. 1, pp. 169-96.
[10] Turban, E., Lee, J., King, D. and Chung, H.M. (2000), Electronic commerce: A Managerial perspective, Printice-hall, Upper Saddle River, NJ.

Paper Type	:	Research Paper
Title	:	Problems Faced By Rural Entrepreneurs and Remedies to Solve It
Country	:	India
Authors	:	Sandeep Saxena
	:	10.9790/487X-0312329

Abstract: India lives in its villages, nearly 73 % of the total population live in rural areas where agriculture and allied activities are the main stay of their lives. The economic development of our country largely depends on the development of rural areas and the standard of living of its rural mass. Rural entrepreneur is one of the most important inputs in the economic development of a country and of regions within the country. Rural entrepreneur uses the scarce resources in the most efficient manner thereby increasing profits and decreasing costs. Due to lack of education, majority of rural people are unaware of technological development, marketing etc. Shortage of finance and raw materials are main problems face by rural entrepreneurs. Most of the rural entrepreneurs face peculiar problems like illiteracy, fear of risk, lack of training and experience, limited purchasing power and competition from urban entrepreneurs. Promotion of rural entrepreneurship is a key to develop rural areas and backward towns. This paper focuses on the identification of various problems associated with rural entrepreneurship. Suitable cures have also been discussed to overcome these problems.
Key words: Economic development, Lack of training, Purchasing power, Rural entrepreneur, Rural mass.

[1] Power, Thomas Michael Lost Landscapes and Failed Economies: The Search for A Value of Place, Island Press, 1996, 38.
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Paper Type	:	Research Paper
Title	:	Customers' Attitude towards General Insurance - A Factor Analysis Approach
Country	:	India
Authors	:	Ms. Tnr. Kavitha, Dr. A. Latha, Ms. S.Jamuna.
	:	10.9790/487X-0313036

Abstract: With over a billion people, India is fast becoming a global economic power. With a relatively youthful population, India will become an attractive insurance market over the next decades. This paper examines the customer attitude towards the General Insurance. A study has been conducted at Erode district with the sample of 750 respondents to find out the influencing factor of the policy holders in the study area. In this context, the respondents' opinion on the various related statements were collected with a 5 point scaling. Factor analysis, an important multivariate technique has used to reduce the large number of factors in a small group of factors. 25 factors which are considered to be the different type of policy holders conscious. This study helps to find out the various customers which are having different expectation from the General Insurance Companies in the study area.
Keywords: Buying Behavior, General Insurance, Global Economic Power, Influencing factor, Insurance Market.

[1] Insurance Principles and Practice M.N. Mishra, S.Chand & Company Ltd. Ram Nagar, New Delhi, 2004. p.3.
[2] Southern Economist - March 1 2004. Vol 42.
[3] Gobi S. and Parthasarathy R, ―Selected health insurance schemes in India‖, Asian Journal of Research in Social Sciences and Humanities, Year : 2011, Volume : 1, Issue : 4, pp.31-40.
[4] Michielsen, Joris; Criel, Bart; Devadasan, Narayanan; Soors, Werner; Wouters, Edwin; Meulemans, Herman, ―Can health insurance improve access to quality care for the Indian poor?‖, International Journal for Quality in Health Care, Volume 23, Number 4, 13 August 2011 , pp. 471-486(16).
[5] Rohit Kumar, K. Rangarajan and Nagarajan Ranganathan, ―Health Insurance in India—A Study of Provider's Perceptions in Delhi & the NCR‖, Journal of Health Management September 2011 vol. 13 no. 3 259-277.
[6] Sharma Aparajita, ―Managerial Competencies For Middle-level Managers of General Insurance Sector In India‖, A Journal of Decision Making, Year : 2011, Volume : 11, Issue : 1, pp.27-39.
[7] Tarek Abd Elhamid Ahmed Taha, Yusnidah Ibrahim and Mohd Sobri Minai, ―Forecasting general insurance loss reserves in Egypt‖, African Journal of Business Management Vol. 5(22), pp. 8961-8970, 30 September, 2011.
[8] Pascale Turquet, ―Health insurance system financing reforms in the Netherlands, Germany and France: Repercussions for coverage and redistribution?‖, International Social Security Review, Volume 65, Issue 1, pages 29–51, January-March 2012
[9] Srivastava, Samir K. and Ray, Avishek , Benchmarking Indian General Insurance Firms (October 8, 2011). Benchmarking: an International Journal, 2012. Available at SSRN: http://ssrn.com/ abstract=1968871.
[10] Sukumar Vellakkal,, Financial Protection in Health Insurance Schemes: A Comparative Analysis of Mediclaim Policy and CHAT Scheme in India‖, Journal of Health Management March 2012 vol. 14 no. 1 13-25.

Paper Type	:	Research Paper
Title	:	Analysis Of 3g Uk Mobile Industry And Comparison With Vodafone Network Based On Consumer Satisfaction Survey
Country	:	India
Authors	:	M.s Priya Vij
	:	10.9790/487X-0263744

Abstract: Marketing is used to identify the customer, to keep the customer and to satisfy the customer. With the customer as the focus of its activities, it can be concluded that marketing management is one of the major components of business. This study focuses why marketing strategies and planning are important in today's world. Markets are made up of customers with wants and needs. Market planners must provide products and services that are better than those which competitors offer. The organization with the most effective marketing strategy should become the market leader. This project also focuses on mobile industry of UK and its revenue generation. It also provides information on various types of marketing strategies that are used by 3G as well as its pricing policies and product service. There is survey conducted on Consumer satisfaction for 3G and Vodafone. Comparison focuses on the pricing policies of both companies' products as well as overall experience with the products.The objective of the study to do a comparative analysis with Vodafone UK and to find marketing strategies conducted by 3G and to understand marketing strategies better. Moreover to have an overview on the UK mobile industry. The Research Methodology is based on primary data and secondary data. The methodology used involved interaction with the concerned people in organization and study of various documents and guidelines pertaining to the same.
Keywords: Marketing Strategies, Mobile Internet access, Multimedia, technology, telecommunications

[1] Marketing Strategic By Walker Mullin and Boyd Larreche
[2] www.3g.co.uk
[3] www.marketing.about.com
[4] www.mobilein.com/3G.htm
[5] www.online.vodafone.co.uk
[6] www.three-g.net/3g_standards.html
[7] www.vodafone.co.uk

Paper Type	:	Research Paper
Title	:	Implementation of Erp in Business Process Based On Cloud Computing
Country	:	India
Authors	:	P. Vimalkumar, A. Rajamani, Dr.P.Jayasubramanian
	:	10.9790/487X-0314550

Abstract: Software as service is linked to the concept of cloud computing is a style of computing where information technologies enable business products, services and solutions as a service over the internet. The concept of SAS (Software as Service) is currently in very early stages of development. There are a lot of researchers being carried out in this area. The authors focused to analyze the SAS and also to propose a concept based on qualitative studies for business process integration and industrial collaboration, in the context of small business. The primary aim of this research work is to integrate process not only within the organization but also with the partners and customers.

Books
[1] Enterprise Resource Planning, Tata McGraw Hill Education Private Limited, Second Edition by Alexis Leon
[2] Enterprise Resource Planning, Macmillan India Limited by Mahadeo Jaiswal & Ganesh Vanapalli
WEBSITES
[3] www.wikipedia.org
[4] www.lighttapeindia.com
[5] http://www.erppandit.com/erp-implementation.html
[6] http://www.visibility.com/

Paper Type	:	Research Paper
Title	:	"The Flourish Economies of South East Asia with the Role of North East India's Trade Relation"
Country	:	India
Authors	:	P. Chinglen Singh & Dr. N. Tejmani Singh
	:	10.9790/487X-0315157

Abstract: In the era In the era of LPG, no option is left for India but to adopt globalisation which India has joined since 1994. As such, promoting trade across the nations has been the necessity of the day. There is no denying the fact that the North East India offers opportunities for trade with South East Asian countries. But, at the same time, it is also beset with certain threats like immigration, drug, HIV and so on which have already assumed alarming proportions in some of the states of North East India. All this underlines the need for a perspicacious and holistic understanding and approach with resolute efforts to exploit the opportunities the North East Region offer for borders trade to the best advantage of the North East, in particular and the country as a whole, in general. Analysing the implications of New Economic Policy for the development of the North East region, the contributors address a wide range of issues concerning the market-oriented reforms in healthcare system, inclusive growth of North East economy, FDI flow in the region, micro-finance, employment generation, poverty alleviation, resource and Look East Policy. The paper focus on the impact of globalization on society, and economy of the North East region.
Key words: Globalisation, LPG, new economic policy, Look east policy, Northeast India.

[1] A.K. Neog, "Electrification in North-East India: An Economic Evaluation‟, Journal of North – East India Council for Social Science Research, Vol. 33:2, New Delhi, Indian Council of Social Science Research, 2009, pp 12 – 22.
[2] HanjabamIshworchandra Sharma, "India‟s Look East Policy and Manipur‟s Economy: A critical scrutiny‟, Vol. 1, "Alternative Perspectives‟, New Delhi, Chaman Offset Publisher, 2008.
[3] Isabelle Saint – Mezard, "The Look East Policy challenged by the Asian crisis‟, "Eastward Bound‟ New Delhi, Manohar Publishers, 2006, p.148.
[4] Laishram Churchill, "Environment, Development and Social challenges: scrutinising India‟s Look East Policy in Manipur‟, "Alternative Frames', vol 1 Issue III, New Delhi, Chaman Offset Publisher, 2006.
[5] PekkaKorhonen, "Monopolizing Asia: the Politics of a Metaphor‟, Pacific Review, vol. 10, no. 3, 1997, pp.347-365.
[6] S. Gyaneswar Singh, "Education System in Manipur in India‟s Look East Policy‟, Nongthang, Vol. 1, Manipur, Digital Offset Printers, 2008, pp.52 – 55.
[7] SanatombaKangujam, "Trade, Security and Strategic Concerns: The Politics of India‟s Look East Policy‟, Look East Policy & India's North East, New Delhi, Concept Publishing Company Pvt. Ltd., 2009.
[8] Yambem Imo Singh, "Surface Transport and Economic Development in the Manipur State‟, Location, Space & Development, New Delhi, Concept Publishing Company Pvt. Ltd.