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Abstract: Retailing is one of the largest private industry in the world as well as India's biggest industry. Starting and operating a small business also can be both complicated and confusing for even an expe¬rienced entrepreneur. Indian retail is witnessing a tremendous growth with the changing demographics and increase in income and quality of life of rural people.Grocery businesses have realized that the answers to all their problems lie with one single entity, the customer who has become very powerful and demanding. In this article, the researcher would like to determine the various attributes that affects the customers and their different segments like gender, age, education, low, middle and high income segments, cast, etc. The aim of this research is generally to find out the enthusiasm of the customers towards the rural grocery shops. The primary data was collected through a structured questionnaire.The researcher visitedvarious kinds of grocery shops in North 24 Parganas district in West Bengal. Finally suggestions were given based on the findings to enhance the sales in the rural areas. This paper provides the critical remarks and direction for future research.
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Abstract:
Competition in Ethiopian banking industry started in 1994 with the advent of the first private bank, viz., Awash International Bank. Private banks emerged gradually year by year till 2012, and in March 2015 there were 2 public sector banks and 16 private banks in the country. Though the public sector is given unequivocal support by the democratic government in Ethiopia, private banks do not lag behind much by showing a spirited attempt to show their performance in all fronts, especially in lending to various industries. The study attempted to examine the lending performance of commercial banks in Ethiopia and made a comparison between the lending of public sector and private sector banks. Using secondary data for 16 years from 1997-98 to 2013-14, this descriptive study found mixed growth trends in gross as well as net advances in the country for public and private banks. Public banks tended to show more oscillating picture in growth rates for gross advances. Mean and standard deviation values for gross advances showed gradually increasing trend over the years for private banks. In average gross lending in the country, public sector banks grabbed 55.32% and private counterparts contributed to 44.68%. Among public banks, Commercial Bank of Ethiopia is the major lender with 52.04%, and among private banks Dashen Bank is the major lender with 10.97%. Public banks outperformed in lending to agriculture, manufacturing industries and staff loans, while private banks shone in lending to domestic trade and services, and others. Both sector banks continued to prefer lending to import and export activities throughout the 10 years till 2013-14. Major public sector bank, i.e. Commercial Bank of Ethiopia, dominated the lending scenario of the country by having 52.04% of the average lending in Ethiopia for the 10 years from 2004-05 to 2013-14.
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Abstract:
In post LPG era bribery, corruption, scandals, corporate frauds like creative accounting are on the rise. In the present day business world, the business enterprises are directly or indirectly involved in all these unethical and socially unacceptable practices. Today, business means everything and this business has strength to influence governments to make favorable rules. Today,analysts and investors pay more attention to corporate governance, in addition to company fundamentals.Securities and Exchange Board of India (SEBI) Committee on Corporate Governance defines Corporate Governance as "acceptance by management of the inalienable rights of shareholders as the true owners of the corporation and their own role as trustees on behalf of the shareholders". It is about commitment to values, about ethical business conduct and about making distinction between personal and corporate funds in the management of a company. Corporate Governance is a mechanism or system of directing and controlling the businessorganizations. Good corporate governance is the formulation of long-term plans and effective management structure to achieve the objectives of the corporate body. The structures of effective governance include the Board of Directors, the CEOs, shareholders, creditors and others. This structure spells out the rules and procedures for making decisions on corporate affairs. Today, it is considered that corporate governance and economic development are interdependent through the process of economic reform.
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Abstract:
India will witness changing shopping trends in the next few years. India is set to become the third largest nation of Internet users in the next two years itself. The online retail market in India is expected to grow immensely, given the rising middle class in India, with growing disposable income on hand and lesser availability of time to spend the same. Extensive use of advertisements and presence on social media websites also helped these online shopping websites to gain brand recognition. Today, the services have improved so much that online marketers offer products at huge discounts, with delivery in 48 hours, along with a no question asked return policy. All these factors along with increasing penetration of Internet, improved rate of literacy, introduction of safe & secure technology, etc. have been able to drive the online retail market in India. The current study is descriptive in nature and it has made an attempt to understand the behavior of Indian consumers towards online shopping.
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Abstract:
Abstract: In present scenario, the banking industry is playing a vital role in sustainable development of the world. In this aspect, the RBI has emerged the new concept called "Green Banking". In India, most of the banks have implemented this initiatives in their operational activities. This paper investigates as to how the green banking initiatives such as NEFT, RTGS, ECS, ATM, POS and Mobile banking, impact the profitability of the public sector banks. To achieve this objective, the hypotheses were framed and it was found that ECS and ATM transactions create more impact on the profitability of public sector banks when compared to other green banking initiatives.
Keywords: green banking, profitability, public sector banks
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Abstract:
Abstract: In the Indian scenario, the public and private banks compete with each other in attracting the customers. In the global competition it is more important for the public and private banks belonging to the Indian origin to enhance their service quality which will ensure their business development in the cut throat competition. In the changing scenario the public sector banks have to revitalize their marketing efforts and to concentrate more on providing value added services. On the other hand, the private banks with a compulsion to compete with the global banks have to gallop their services and ensure the satisfaction of the customers. With an intention to satisfy the prospective customers, instead of merely providing the service within their expectations, it is better that the services may be augmented to attract the prospective customers and pull them towards the service. The banks now focus on attracting the customer by enhancing their services and diversifying their activities. A sample of 1040 respondents was selected from Chennai, Coimbatore, Salem and in Trichy districts. The tools used for the analysis are percentage analysis, two-way tables, chi-square test. From the analysis it can be seen that the customer expectations towards the front office services are not satisfactory. The major reasonfor customers to switch over to other banks is "Easy Accessibility".
Key words: Customer, Customer satisfaction, Customer Expectation, Banking Services, Private sector banks, Public sector banks, Loan oriented services, Deposit oriented services, Front office services and Infra structure facilities.
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Abstract:
This paper addresses credit rationing by credit officers in the banking industry. The objective of this study was to examine the factors influencing the credit rationing by Pondicherry Urban Co-operative banks in Pondicherry. Descriptive research design was used in the study. The target population from which the sample was drawn is Pondicherry Co-operative Urban banks within the Pondicherry region. A representative sample was drawn using the proportionate stratified random sampling. Both primary and secondary data were used in the study. The data collected were validated, edited and coded then analyzed using descriptive statistics with the aid of Statistical Package for Social Sciences (SPSS). Data presentation methods used were tables, charts and diagrams. The study established that the key factors that influenced credit rationing by Pondicherry co-operative urban banks in Pondicherry are loan characteristics, firm characteristics and observable characteristics. Some of the recommendations that the study made were that, it is beneficial for banks to ration credit, but it should be done with professionalism and with no business, the factors that influence rationing of credit should be evaluated thoroughly by the person in charge and given priority before issuing credit. And the banks should find out more about credit rationing and how it can contribute to their business growth.
Key Words:Coperative Banks, Business, Credit officers, Credit rationing.
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Abstract:
Human resource is a vital resource to any organization like any other material or economic resources. Unlike other factors human resources have the unique characteristics that there is no limit for utilization of the ability and skill if they are offered voluntarily.In other words, among the various factors, human resource is the only resource that has its own strength emotions, attitude, and feeling and beliefs, etc.Thus management of this factor is not only an important task but also a difficult task. The quality of output cannot be made to exceed the quantity of material inputs. The research design adopted for this study is"Convenience sampling". The primary data has been collected by the method of "Direct personal investigation", using a structured questionnaire consisting 25 questions. The secondary data is collected from the profile of the company, text books on stress management, journals, and magazines and from the related websites. Statistical techniques like Percentage analysis, Chi-square Analysis of variance have been applied. The present study faced following constraints while conducting survey. The study was confined only to executives. Time was a constraint. Sometimes it is difficult to get back the filled up questionnaires from the respondents.
Keywords: Human resource, Marketing executives, Selection, Training, Motivation, Promotion
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Abstract:
Abstract: Employee Engagement is a massive concept that traces almost all parts of human resource aspects. This study is based on how to engage the employee in their work place and improve their career development. Every organization must motivate their employees to work and take part in various activities conducted by the organization; if they take part energetically it will build ownership and sense of belongingness.
Key Words: Employee engagement, Organizational Citizenship Behavior, Job Satisfaction, Employee Commitment.
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Abstract:
The current study investigated the effects of knowledge sharing and non-attitude on organizational citizenship behavior (OCB) and turnover intentions. The study also examined the effect of OCB on turnover intentions. Employees working in LGO SoftTech were selected as a sample. A firm can successfully promote knowledge sharing culture not only by directly incorporating knowledge in its business strategy, but also by changing employee job attitudes and behavior to promote willing and consistent knowledge sharing. Moreover, various studies focused on the relationship between knowledge sharing enablers and processes while others have focused on the relationship between knowledge sharing enablers and innovation performance effect on organizational employee turnover. Employees' turnover directly and indirectly affects the organization's costs. Because of this organizations have not only to recruit and select the capable employees but to train them as well which is part of direct cost. On other hand, loss of social capital, workload and loss of morale of existing employees are associated with the indirect cost. In addition to this, argued that employees'turnover is the real loss for the organization because most of the time organization loses talented employees. We have to find certain factors which lessen the employee's turnover intention like knowledge sharing, job attitude and organizational citizenship behavior. The study provides discussion and avenues for future research.
Keywords: job attitude, job satisfaction, knowledge sharing, organizational commitment, organizational citizenship behavior, and turnover intentions.
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Abstract:
The rural market in Indian economy can be classified under two broad categories. These are the markets for consumer goods that comprise both durable and non – durable goods and the market for agricultural inputs. In recent years, rural markets have acquired importance, as the overall growth of the economy has resulted into considerable increase in the purchasing power of rural people and preferences of the rural people are also getting changed. This paper describes the challenges and marketing strategies of rural marketing in India. So, every marketing player is keen to invest in rural markets. Though there is a huge potential and substantial growth opportunities in the rural markets, yet there are some challenges too, which caused hurdles in tapping rural markets. This study is a step forward in exploring various strategies to be adopted in the rural market along with the current scenario of rural marketing, highlighting key challenges related to rural marketing.
Keywords:Rural marketing, marketing, challenges in rural marketing, rural marketing strategies and rural market in India.
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