IOSR-JBM   Volume-8 ~ Issue-1 ~ Jan-Feb-2013

Abstract: The objectives of this research study is the preparation of Policy Development Small and Medium Enterprises (SMEs) Gresik regency, East Java. The expected outcome of this activity is the completion of SME Development Policy Gresik regency, East Java. This research included in this type of survey research (survey research). To identify and determine the priority of a number of SMEs are included in the classification of SMEs seed using Location Quotient (LQ). To identify aspects of strategic management of internal and external environmental factors using a matrix of external strategy (External Strategic Factors Analysis Summary / EFAS) and internal strategy matrix factor (Internal Strategic Factors Analysis Summary / IFAS). To analyze the position of SME business unit using the analysis-Market Growth Matrix (BCG's Growth-Share Matrix) and the Industry Life Cycle Matrix analysis (ADL Matrix) to eliminate the weaknesses that exist in the analysis-Market Growth Matrix. Furthermore, the synthesis of the above calculation is used to determine policy formulation and development of SMEs. So from a strategic management analysis results show the development of small and medium enterprises in Gresik is located in Quadrant I, or should do or Aggressive Growth Strategy supports an aggressive growth policy (growth oriented strategy).

Keywords: strategy, policy development, SME.

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Abstract: In the buyer's market today, business concerns have to make a lot of efforts to sell their product and establish their survival. It may be basically due to changes in attitude of consumers towards buying products and changing business world. Every human being is changing time to time according to the changing trends in every day's life. The biggest changes occurred in consumer products, new and innovative technology has used to satisfy the consumers. In this content the study is taken up with the various DTH services which have considerable share in the market. This paper reveals the customer perception towards DTH services in Coimbatore city and it also helps to analyze the competition exist in the market regarding DTH services. The study is focused on the four kinds of DTH services namely, Sun direct, TATA sky, Dish TV, Big TV. The task of the study is to know the preference of the users in Coimbatore city among these various services. Various tools used to analyse the data. The present study reveals that the majority of the respondents prefer to buy sun direct because of its best picture quality, reasonable price, various kinds of packages and more channels. So the DTH service providers must pay attention on Customer Service, picture quality, reasonable price rather than other factors to make their business more successful and satisfy the consumers

Keywords: Awareness, Customer service, DTH channels, schemes etc.,

[1] Dr. S. P. Gupta, Statistical Methods, Sultan Chand & Sons Educational Publishers, New Delhi -2006.
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Abstract: The issue of corporate governance has come up mainly in the wake up economic reforms characterized by liberalization and deregulation. Corporate governance has at its backbone a set of transparent relationships between an institution's management its board, shareholders and other stakeholders. The objective of the research paper is to evaluate the corporate governance practice in banking sector particularly in the State Bank of India. For evaluation purpose, this research paper is divided into two parts. With the help of secondary data, this work was analyzed and based on different elements of the practice of corporate governance evaluated in State Bank of India.

Key terms: Corporate Governance, Banking Sector, State Bank of India.

[1] State Bank of India Annual Reports
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[3] V.Leeladhar "Corporate governance in banks" RBI Bulletin December 2004
[4] Dr. Meghashree Agarwal Dadhich : "‟Online banking services: an empirical study of banker‟s and customer‟s awareness about obs "
ICFAI University, An overview of Banking," Nagarjuna Hills Publication, 2006.
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Abstract: A distint phenomenon has been found from Jawa Pos daily newspaper as the one with the highest amount of oplaag and readers (over 1.4 millions) in Indonesia. The company has implemented a CSR (Corporate Social Responsibility) stratety partaking its marketing strategies. The actual implementation of the strategy, known as "Print-Off Events" which, as the name suggests, means non-printing activities, consists of being the initiator of the following events: Development Basket Ball League (DBL) Indonesia, Untukmu Guruku, Smart Riding, Surabaya Green and Clean, NBA Madness by Jawa Pos, and many more.
Keywords: CSR Strategy, Value Creation, Relational Reward, Marketing Performance.

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Competitive Positioning, International Journal Of Research in Marketing, 24, 224-241.
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254.
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Ocean Tsunami, International Journal of Hospitality Management, 26, 228-239.
[5] Malovics Gyorgy, Nagypal Noemi, Sascha Kraus. 2007. The Role of Corporate Social Responsibility in Strong Sustainability, The
Journal of Socio Economics, xxx, xxx-xxx.
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17, 50-55.
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Customer Behavior, Journal of Business Research, 59, 46-53
[8] Lako, Andreas. 2008. Kewajiban CSR dan Reformasi Paradigma Bisnis dan Akuntansi, Usahawan Manajemen Indonesia, No. 06
Th XXXVII, Jakarta.
[9] Indarti Sri. 2010. Pengaruh Tanggungjawab Sosial (Corporate Social Responsibility) dan Budaya Organissi Terhadap Kepuasan
Kerja dan Kinerja Bisnis: Studi Pada BUMN dan BUMD di Provinsi Riau, Disertasi Program Doktor Ilmu Ekonomi, Kekhususan
Manajemen PPS Univ. Brawijaya, Malang
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Abstract: The purpose of this study was to identify potential products - products and find local internal and external factors that influence the development and design tradicional market system development and structuring tradicional market in Sidoarjo. The method used is descriptive analyzes of trend analysis by the method of least squares linear least square. SWOT analysis results indicate uncontrolled parties are not relevant to the activities in the urban market, while the SMART analysis shows the effectiveness of diversity is far below the average rate comparable institutions close to 40% below. So externally tradicional market under pressure from the modern market growth started to besiege the city.
Keywords: Development, Market Traditional

[1] Agro Bulletin of Economics I (3), 2001, Frame Strengthening Food Security System in National Economic Recovery Period.
Discussion, Round Table, Food Policy and Nutrition for the Future, Office Menpangan and Horticulture, June 23, 1999, Jakarta.
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York.
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Brawijaya, Malang
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Abstract: The aim of this research is to know how different approach can give different impact to Indonesian bank's efficiency. The efficiency of bank measured by non parametric analysis, using Data Envelopment Analysis. This research will employ three approach, Intermediation, Operating and Value Added to define the inputs-outputs used in Data Envelopment Analysis. There are 30 banks that used as samples in this research, consist of 4 government banks, 9 Go Public Banks, 11 Joint Venture Banks, and 6 Foreign Banks. The results show that using Value Added approach give highest score in efficiency. Based on the result, the Indonesian banks concern so far is how to increase the deposit, loans and the investments.
Keywords – bank efficiency, DEA, Intermediation Approach, Operating Approach, Value Added Approach

[1] Hadad, Muliaman D., Santoso, W., dan Mardanugraha, E., Illyas, D. 2003. Analisis Efisiensi Industri Perbankan Indonesia:
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Abstract: This research is conducted based on the phenomenon of the apparel industry at Cipulir Market, South Jakarta in small business context. The production rate drastically decreased since the tight competition with the apparel product from China occurred when the free-trade policy was applied. Based on the literature review, small business sector decreased because of the lack of role from the entrepreneur, government, and managerial competence aspects. The purpose of this study was to quantify andexplain the effect ofentrepreneurial orientation on business performance and the moderating influence factors and the role of governmentas well as the factors mediating influence managerial competencies of entrepreneurial orientationon business performance. The method applied in this research was quantitative method. The location of the research was at Cipulir Market, South Jakarta. The research sample consisted of 255 people from the group of apparel industry in small business sector. Data analysis utilized PLS (Partial Least Square) technique. The result demonstrated that entrepreneurship orientation did not have any influence on the small business performance. The government role was not yet influential to strengthen the relationship between entrepreneurship orientation and business performance; yet, entrepreneurship orientation affected managerial competence. Managerial competence influenced small business performance; Managerial competence a requirement that entrepreneurial orientation capable of improving the small business performance.

Keywords: entrepreneurship orientation, managerial competence, government role, business performance

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Abstract: The World Health Organization defines drug promotion as all informational and persuasive activities by manufacturers and distributors, the effect of which is to influence the prescription, supply, purchase or use of medicinal drugs but misleading information, incentives and unethical trade practices were identified as methods to increase the prescription and sale of drugs. Medical representatives provide incomplete medical information to influence prescribing practices; they also offer incentives including conference, Seminars, national and aboard sponsorship. Doctors also demand for gifts and other incentives, they look to every medical representative as a blank cheque for themselves, as when doctors' associations threaten to boycott companies that do not comply with their demands for sponsorship. Manufacturers, chemists and medical representatives use various unethical trade practices of particular interest was the finding that chemists are major players in this system, providing drug information directly to patients.

Keywords: Advertising Marketing, Drug Industry, Drug Information Services, Ethics, Medical, Forecasting, Gift & Sponsorship, India, Inter-professional Relations

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Abstract: In the past few years there has been an enormous change in the perception of owning customers for life by the local and multi-national companies in Pakistan. This could be possible when foreign companies entered into Pakistani market especially in the banking sector. Quality Customer Services is considered most important tool to have positive image in the mind of customers and to get positioned in their hearts by owning their greater concerns beyond their expectations. The purpose of this study was to assess service attitude and service quality measures of Islamic Banks in Pakistan. Population of the study is all five Islamic Banks listed with State Bank of Pakistan (2012). Total 250 customers, 100 Management Trainee Officers and 25 Branch Managers constituted the sample using convenience sampling technique and an adapted SERVQUAL instrument of service quality containing five dimensions of service quality; tangibles; reliability; assurance; responsiveness and empathy was used to assess the service quality measures which was found reliable at 0.86 Cronbach's alpha. Mean scores and One-way ANOVA were used for significance and variance analysis. Results revealed that Islamic banks managers showed greater satisfaction about service quality followed by MTOs but customers were not satisfied with the service quality of Islamic banks and significance difference of opinion found among customers, management trainee officers and managers which showed true image of service attitude. Islamic Banks customer service measures needs urgent improvement in order to ultimate survival in the banking sector.

Keywords: Service attitude; Service quality; Islamic Banks

[1] Ahmad, A., Rehman, u. K., & Safwan, N., Comparative study of Islamic and conventional banking in Pakistan based on customer
satisfaction. African Journal of Business Management, 5(5), 2011, 1769-1773.
[2] Ahmad, A., Rehman, u. K., & Saif, M. I., Islamic Banking Experience of Pakistan: Comparison between Islamic and Conventional
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service quality. African Journal of Business Management, 4(6), 2010, 1185-1193.
[4] Ahmed, S., & Rehman, u. H., An Empirical Analysis of the Determinants of Banks selection in Pakistan: A Customer View. Pakistan Economic and Social Review, 46(2), 2008, 147-160.
[5] Al-Eisa, A. S., & Alhemoud, A. M., Using a multiple attribute approach for measuring customer satisfaction with retail banking
services in Kuwait. International Journal of Bank Marketing, 2009, 294-314.
[6] Arasli, H., & Katircioglu, S. T., A comparison of service quality in the banking industry: some evidence from Turkish-Greek-
Speaking areas in Cyprus. Journal of Bank Marketing, 23(7), 2005, 508-526.
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Commerce Division, Discussion Paper No. 109, 2006, Lincoln University, Canterbury .
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Abstract: The paper's main objective is to analyze the relationship of integration of supply chain functions and customer satisfaction. The paper also focuses on the importance of strategic fit of supply chain in the Pakistan's environment. This kind of research has not been done in Pakistani market. In today's consumer products environment, consumers rule over the market. If they do not find a product from one store, they will buy it from another mall or internet at their desirable price. The explosion of consumer demand has created the complexity and increased cost into the supply chain. Data collected through questionnaire suggested that most of the big stores had the capability to manage demand forecast in time through their supply chains thus bringing customer satisfaction.

Keywords – supply chain, consumer demand, price

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International Journal of Operations and Production Management 18 (1), 636
[2] Barbieri, P. and Mahapatra, S. 2009. Buyer-supplier relationship in supply network: implications of tier-II supplier management
practices, Proceedings of the 2009 European Operation Management Association Conference, Götenburg
[3] Chopra, S. and Meindl, P. 2007. Supply Chain Management: Strategy, Planning, and Operation. 3rd Ed., Upper Saddle River, New
Jersey: Pearson Education, Inc.
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exchange. Supply Chain Management: An International Journal. Volume: 9 Issue: 5

Abstract: The study investigates investor overconfidence in Pakistan stock market. By taking daily stock prices of 27 leading companies representing all sectors of Karachi stock exchange we found that return of the securities have impact on securities' trading volumes. While trading volumes failed to impact returns in short term horizon. Further returns volatility had impact on the returns but failed to impact trading volume. This indicates that despite return volatility, overconfident Pakistani investor continue to trade in the security. Impulse response analysis exhibits that trading are impacted by one standard deviation of security return but they still remain positive and mostly stay above zero. The study was conducted in vector auto regressive environment.

Key words: Investor overconfidence, Returns, Volatility, Vector Auto regression

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Abstract: This study is conducted to observe the impact of cash flow volatility (CVCF) on cash-cash flow sensitivity of Pakistani Manufacturing Firms by taking a panel data of 377 manufacturing firms listed on Karachi Stock Exchange. The test revealed that cash flow volatility had significant impact on cash-cash flow sensitivity. This sensitivity was due to the precautionary motive of Pakistani Manufacturing Firms. Further, cash-cash flow sensitivity was studied by classifying firms into constrained and unconstrained categories by using cash flow volatility (CVCF) and size. The results for the classification based on cash flow volatility (CVCF) reveals that cash-cash flow sensitivity is more due to long-term debt for constrained firms and due to sales growth for unconstrained firms. The results for the classification based on size reveals that cash-cash flow sensitivity is present in both constrained and unconstrained firms. However, in constrained firms this sensitivity is mainly due to growth opportunities available to those firms. While in unconstrained firms this sensitivity can be attributed to increase leverage and resultant increased in cash flow volatility (CVCF) due to leverage.

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Abstract: The objective of this study is to examine the effect of role conflict and role ambiguity on the organizational commitment, self-efficacy, and employee's performance of nurses at public health service centers (Puskesmas/PusatKesehatanMasyarakat). The data were obtained from 145 nurses as government officers from 35 public health service centers at KabupatenKediri, East Java. The gathered data were then analyzed by using Partial Least Square method; the research result demonstrates that, among the overall proposed hypotheses, role conflict does not influence organizational commitment and nurse's performance so that there is no mediating function of organizational commitment on the relationship between role conflict and performance. The limitation of this research is described on the latest part of this article.

Keywords: Role Conflict, Role Ambiguity, Organizational Commitment, Self-Efficacy, Performance, Nurse.

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Abstract: Insurance sector in India is one of the booming sectors of the economy and is growing at a very speedy rate. This sector in India was liberalized in 2000. The opening up of the insurance for private players has led to rapid growth of the sector. This paper analysis past and present status of the insurance sector in life insurance sector in particular. The paper also discusses about the future strategies of the Indian Insurance sector. The present descriptive and analytical secondary based study was conducted with an objective to analyze the condition of life insurance industry and to study the impact of post 2008 economic crisis on insurance industry in India, also an attempt to study the opportunities and challenges for life Insurance in post liberalization area. In the post liberalization period, the life insurance industry of India witnessed a marvelous growth but this growth was declined after economic crisis are some of the major findings of study. The research will be extremely useful for life insurers in the business of life insurance and its penetration. Keywords: Economy, Economic Crisis, Liberalization, Life insurance, Penetration.

[1] C. Barathi, D. Balaji and Ch. Ibohal Meitei (2011), "Innovative Strategies To Catalyse Growth Of Indian Life Insurance Sector -An
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Abstract: The most significant and crucial goal of the developing and developed countries is to attain continued economic and financial growth and stability through stock market performance. The aim of the present research is to analyze the impact of the changes in foreign exchange rates on economic performance of developed and developing economies measured by the changes in the stock market returns. The study is focused to explore whether and to what extent foreign exchange rates affect the economic performance as measured by the stock market returns. The significance of the study is evident from the fact that the portfolio managers and investors are usually interested in making prudent investment decisions so as to maximize their returns through keeping an eye on various domestic and international factors affecting their returns. Moreover developed and developing countries are also interested in stabilizing and enhancing the economic growth by monitoring and controlling the factors affecting such growth. The study considered the variables from Pakistani and Japanese markets to see whether the studied variables have any explanatory relationship that may help in formulating policies to enhance and stabilize economic growth. The study took 10 years monthly data related to stock prices of KSE 100 index and NIKKEI 225 index as dependent variable, whereas monthly data of foreign exchange rates of Pakistan and Japan are taken as independent variable. The study used descriptive and inferential statistics to identify and measure the relationship between foreign exchange rates and economic performance. The results depicted that foreign exchange rate is negatively associated to stock market returns and that the exchange rate is an insignificant predictor of stock market returns in case of Pakistani market hence the changes in foreign exchange rate were found to have no effect on economic performance as measured by the stock market returns. In case of Japan foreign exchange rate was found significantly and positively affecting stock market returns and that the changes in foreign exchange rate will also cause changes in stock market returns with an increase in exchange rate causing an increase in economic performance and a decrease in exchange rate causing a decrease in economic performance.

Keywords: Stock Returns, Economic Performance, NIKKEI 225, KSE 100

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Abstract: In this paper the researcher tired to study that how corporate governance effects corporate cash holdings in non-financial firms in Pakistan. For this purpose the researcher on the basis of convenient sampling studied the 22 non financial companies listed on KSE-100 Index from the time period of 2005 to 2010. The researcher took the cash as dependent variable while cash flow, liquidity, leverage, bank debt, market book, size, variability, dividend and others are independent variables. The researcher applied the multiple regression model after checking the data Heterosadacity and with the help of common effect model in STATA SE 10, researcher concluded that the relation between the corporate governance as well as the cash holdings from non financial firms in Pakistan will be negative.

Keywords: Cash Holding, Heterosadacity, KSE-100 Index, Non Financial Companies

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