Society for Global
Studies and Research

Chief Editor

Dr. S.K.S. Yadav
Department of Commerce
Meerut College, Meerut
U.P. (India)


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::Society for Global Studies & Research(SGSR)::
List of Volumes/Issues

International Journal of Trade and Commerce-IIARTC, Volume: 1(2012>), Issue: 1(Jan-Jun(2012))

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1. An Empirical Presentation of HRD Climate and Employee Development In Telecommunication Industry

Author: Nawab Ali Khan, Sheema Tarab ,(Pages:01--10 )


Constantly changing technology and intensive competition have led the community to signify the vitality of human resource. Today, the organizations are searching for the most competent human resource in order to recruit and retain them for the growth and development of their organization. Presently, the organizations and the top level management has understood the vigor of the human skills and accepted the fact that to survive, they have to retain the most fittest and finest talent in their midst. This concept emphasizes the need for every organization to continuously develop its employees competencies in a planned way and it brings into sharp focus the importance of roles, which employees plays and occupies in their respective organizations. The authors have undertaken the present study to analyze the HRD Climate in the private sector telecommunication Industry of India and also to study the relationship of HRD Climate and Employee Development. A questionnaire survey has been conducted among 100 employees of Reliance Communications Ltd. from three different cities of Uttar-Pradesh. Statistical measures like mean, standard deviation and correlation have been employed to test the hypotheses of the present construct. The study reveals that there exists a positive relationship between the climate of the organization and the development of employees.
Keywords: Organizational culture, Climate, Motivation, Pride.

2. A Study of Relationship Between Demographical Variables, Organizational Structure and Social Interaction with Organizational Commitment among Employees of Saudi Arabia

Author: Nasser S. Al-Kahtani ,(Pages:11--22 )


The purpose of the present research paper is to investigate the relationship between demographical variables, organizational structure and social interaction with organizational commitment among public sectors employees working in Saudi Arabia. The sample consisted of 1,022 employees from different fifteen ministries of Saudi Arabia located at Riyadh. Research questions and a set of tools containing demographical variables, organizational commitment, organizational structure variables and social interaction variables were used to gather the information about the employees. Multiple regression and product moment correlation methods were used to test the hypotheses and research questions in the study. The results reveal that (i) demographical variables such as age, marital status and number of dependents were found significantly related with organizational commitment while, education was found significant but inversely related with organizational commitment. (ii) Organizational structure dimensions such as centralization and formalization were found significantly related with organizational commitment (iii) social interaction facets such as supervisory behavior and relationship with co-workers were found significantly related with organizational commitment. The implications of these findings suggest for the improvement of organizational commitment by using several human resource aspects to motive them for better performances.
Keywords: Commitment, demographical variables, organizational structure, social interaction.

3. A Camel Model Analysis of Nationalized Banks in India

Author: K.V.N.Prasad, G. Ravinder ,(Pages:23-33 )


Banking sector is one of the fastest growing sectors in India. Today’s banking sector becoming more complex. Evaluating Indian banking sector is not an easy task. There are so many factors, which need to be taken care while differentiating good banks from bad ones. To evaluate the performance of banking sector we have chosen the CAMEL model which measures the performance of banks from each of the important parameter like Capital Adequacy, Assets Quality, Management Efficiency, Earning Quality and Liquidity. After deciding the model we have chosen twenty nationalized banks. According to the importance of study each parameter is given equal weights. Results shown that on an average Andhra bank was at the top most position followed by bank of Baroda and Punjab & Sindh Bank. It is also observed that Central Bank of India was at the bottom most position.
Keywords: Nationalized Banks, Performance Evaluation, CAMEL Model and Ranking Method.

4. Information Sharing and Communication in Small Scale Industries

Author: Vipul Chalotra ,(Pages:34-44 )


Information sharing and communication play a vital role now-a-days as the present world is corporate world and information sharing in this world is of immense utility. Information sharing in supply chain improves profitability, competitive strength, ensures promotion and distribution of products & services, enhances operational efficiency by reducing logistics costs, augmenting financial structure and functioning and promotes customer service. The paper analyses information sharing and communication in 44 small scale industrial units in district Udhampur of J&K State. The data after purification and validation through factor analysis was subjected to multivariate tools. The results of correlation, matrix test, hierarchical regression model and ANOVA revealed positive association between information sharing and channel relationships, operational performance depends upon information shared and communicated and perceptions regarding information sharing do not differ with regard to age difference.
Keywords: Information Sharing, Supply Chain Management, Channel Relationships.

5. Role of Securities and Exchanges Board of India (SEBI) in Regulating Mutual Funds

Author: Rajiv Kumar Singh ,(Pages:45-59 )


Mutual funds are financial intermediaries which collect the savings of investors and invest them in a large and well diversified portfolio of securities. The advantages for the investors are reduction in risk, expert professional management, diversified portfolio, liquidity of investment and tax benefit. This fast grown industry is regulated by the Securities and Exchange Board of India (SEBI). Today there are around 40 mutual funds and over 300 schemes with total assets of around Rs. 6.4 lacs crores. Since the mutual funds involve a huge amount of retail investors, therefore, this paper attempts to analyse whether SEBI is able to regulate the activities in Mutual Fund Market and whether its regulatory role is capable to protect the interest of huge investors. This study also attempts to analyse the shortcomings (if any) in the regulatory regime and suggest some measure to increase its effectiveness.
Keywords: SEBI, Mutual Fund, Retail Investors, Regulatory Regime

6. Rural Marketing Potentials and Strategies for Durables A Study in Ghaziabad District

Author: Manmeet Kumar Siras ,(Pages:60-69 )


The Indian rural market has a huge demand base and offers great opportunities to marketers. Two-thirds of Indian consumers live in rural areas and almost half of the national income is generated from there. From the point of view of rural marketing, Ghaziabad district is an ideal district because it is very much near to the capital of the country. In the present paper Ghaziabad District’s four segments have been selected, By the detailed analysis of the results of 40 villages from the sectors “Murad Nagar, Loni, Hapur and Dadri”, it can be observed that the results are almost same in the villages of these sectors. There certainly is a place for premium products, but consumers in rural market for those products are scattered and difficult to reach. Therefore, such products can be left to be bought from the nearest urban centre. The attraction of rural market is in their size as mass markets. Those who design products for such mass markets will prosper and grow rapidly.
Keywords: Rural Marketing, Durables, Consumers’ attitude, Whole Sellers & Retailers, Buying Motives, Potentials, Strategies

7. A Critical Analysis of Agricultural Regulated Markets A Case Study of Western Uttar Pradesh

Author: Narender Kumar ,(Pages:70-89 )


The regulated Mandis working in Uttar Pradesh are supposed to have benefited to producers to a large extent by way of providing proper marketing `facilities, reducing marketing cost and margins, consequently providing them higher share in the price paid by the consumers. The marketable surplus of food grains was higher on large farms as compared to marginal and small farms. This trend was due to higher production and comparatively more area under food grain crops on large farms. Amongst different channels of distribution, the bulk of the marketable surplus i.e., more than 52 percent in case of wheat and more than 70 percent in case of paddy passed through the channel having village traders in the marketing system. This channel included producer-village trader- wholesaler/commission agent-miller (in paddy) - retailer-consumer.
Keywords: Mandi Samiti Price spread, Marginal farms, Market surplus, Multiple intermediaries

8. Customer Satisfaction in Commercial Banks A Case Study of Punjab National Bank

Author: Deepti Kanojia, D.R. Yadav ,(Pages:90-99 )


The Indian Banking Industry has undergone radical changes due to liberalization and globalization measures undertaken since 1991. Today, Indian Banking Industry is one of the largest industry in the world. There has been a great surge in efficient customer services. A highly satisfied and delighted customer is a very vita qndl non-financial asset for the banks in the emerging IT era. The curtsey, accuracy and speed are like a crown factors for a bank. Based on the responses of 100 customers of Punjab National Bank operating in the Meerut district of Uttar Pradesh has been taken into consideration. The survey was conducted in Meerut district.
Keywords: Organized Segment, Customer satisfaction, Retail Banking, Universal Banking.

9. Forensic Accounting Concept in India

Author: Preeti Singh ,(Pages:100-105 )


Forensic accountants are currently in great demand, with the public need for honesty, fairness and transparency in reporting increasing exponentially. These forensic accountants need accounting, finance, law, investigative and research skills to identify, interpret, communicate and prevent fraud. As more and more companies look for forensic accountants and professional organizations offer certifications in the area, it is becoming evident that the forensic accountant has a skill set that is very different from an auditor or a financial accountant. Forensic accounting is hardly a new field, but in recent years, banks, insurance companies and even police agencies have increased the use of these experts. Forensic accounting in India has come to limelight only recently due to rapid increase in white-collar crimes and the belief that our law enforcement agencies do not have sufficient expertise or the time needed to uncover frauds. A large global accounting firm believes the market is sufficiently large to support an independent unit devoted strictly to forensic accounting.
Keywords: Forensic Accountant, Law, Investigative Auditing, Criminology, Fraud, and Evidence.

10. Issues and Reforms in Indian Railways

Author: S.K.S. Yadav, Kum Kum Chaudhary and Somnath Kisan Khatal,(Pages:106-125)


Indian Railways is a department owned and controlled by the Government of India, via the Ministry of Railways. Indian Railways is the world's second largest employer. Indian Railway Finance Corporation Ltd. (IRFC) is a dedicated financing arm of the Ministry of Railways.  Its sole objective is to raise money from the market to part finance the plan outlay of Indian Railways. The Railtel Corporation of India was established in September 2000 as a public sector undertaking (PSU) and a 100 per cent subsidiary under the Ministry of Railways. It has been set up primarily to commercially utilize IR’s communication assets, which often have idle capacity. Many railway stations are in a state of disrepair, especially when compared to stations in developed countries. Sometimes passengers are seen on trains hanging out windows and even on the roof creating safety problems. The interior of many train compartments are poorly maintained. Although accidents such as derailment and collisions are less common in recent times, many are run over by trains, especially in crowded areas. Outdated communication, safety and signaling equipment, which used to contribute to failures in the system, is being updated with the latest technology. A number of train accidents happened on account of a system of manual signals between stations, so automated signaling is getting a boost at considerable expense. It is felt that this would be required given the gradual increase in train speeds and lengths, that would tend to make accidents more dangerous. In the latest instances of signaling control by means of interlinked stations, failure-detection circuits are provided for each track circuit and signal circuit with notification to the signal control centres in case of problems. Though currently available only in a small subset of the overall IR system, anti-collision devices are to be extended to the entire system. Aging colonial-era bridges a

11. Depreciation Reserve & Provisions Under Price Level Changes [An Overview of Legal & Accounting Aspects of Small Scale Industries]

Author: V. P. Singh and A. P. Singh ,(Pages:126-141)


Depreciation is the deterioration of the physical and functional utility of a fixed asset due to its usage and passage of time.  Accounting for depreciation is a way of writing off the investment on fixed assets by prorating over a certain period of time of its usage. Ordinarily, depreciation accounting is designed, to recover simply the number of monetary units originally committed to the asset irrespective of differences in their purchasing power. This is quite satisfactory in periods of relative price stability but can be seriously, and even ruinously inadequate during period of relentless inflationary pressures with sharp drop in the purchasing power of the monetary unit. Valuation of fixed assets in real prices is very important for the following: economic analysis and forecasting of the development and use of the economic potential; identification of parameters of investments, and setting depreciation policies at the macro level and micro level. The value of fixed assets determines the size of property tax, depreciation charges, profit tax, etc. While going over to a market economy, India has been facing high inflation, which is typical of a transition period, and reevaluations had to be made more frequently than during the earlier period.
Keywords: Financial Statements, Purchasing Power, Economic Potential, Economic Analysis, Consumer Price Index, Capital Conservation Reserve.

12. Impact of Human Resource Practices on Employees Productivity A Comparative Study between Public and Private Banks in India

Author: Ms. Neetu Pathak ,(Pages:142-148)


The success of any organization depends on the ability of its human resource to utilize other resources such as capital, equipment and land for the achievement of organizational objectives. Human resource thus requires the necessary attention in order to achieve corporate objectives. Over recent years there has been an increasing interest in the field of human resource management. Currently, the literature encourages the consideration of human resources as strategic factors, not only because they play important role in strategy implementation, also because they are beginning to be reckoned as sources of sustainable competitive advantage. Relationships between human resource management and productivity have been studied from different perspectives. This study is an attempt to investigate the extent to which Banks differ on aspects of human resource management practices and their contribution in employees productivity.
Keywords: Employees productivity, employees’ performance, employees’ creativity, organizational effectiveness.

13. Customers Attitude towards Online Retail Shopping - An Empirical Study

Author: A.B. Thapliyal and Vikas Gairola ,(Pages:149-161 )


Business organizations re-orient their businesses to the new market paradigm. Internet usage in different parts of our country is rapidly increasing. But the growth of e-business in the country is not that much encouraging. The reasons behind this are credibility in the payment system, timely delivery of products and lack of trust in online media. In this empirical research performance, convenience, information, personalization, interaction, reliability and trust, security, aesthetics, post sales services, continuous improvement were studied to know about the attitude of customer towards on line shopping. The research found that reliability and trust, security and continuous improvement are the most important factors influence customers’ attitude to go for online shopping. The findings help to understand the perception, and attitude of people on online shopping.
Keywords:Online shopping, customer attitude, personalization, reliability, aesthetics, access to foreign goods.

14. Book Review

Author: Juliette Overland,(Pages:162)



15. Fashionable Tourism in Mauritius: A Case Study of Cultural Attraction Atmospherics

Author: Jacquelene Robecka*, Satayadev Rosuneeb, Jessica Pattisonc aProfessor of Fashion Design and Merchandising, School of Architecture and Design, University of Louisiana, Lafayette, 70504, USA, Email address: bAssociate Professor of,(Pages: 1-10)


Atmospherics is a term previously used in retailing, hospitality, marketing and psychology research. Others have shown that the use of atmospherics increase tourist and customer patronage. Mauritius is known as a destination vacation island primarily because of its beaches. Tourists stay in hotels and visit tourist attractions perhaps unaware of the interior environment and its portrayal of the heritage and culture of Mauritians. This study bridges fashion to interior furnishings and furniture as it is seen in hotels, museums, and cultural attractions on the island of Mauritius. This study investigates sixteen tourist venues that used atmospherics to enhance tourism venues inducing visitors to appreciate their stay and return for more visits. Research identifies the elements of furnishings, reflecting heritage, that have represented in fashion, reflecting the culture of Mauritians, as seen in hotels, museums, and cultural attractions.
Keywords:Atmospherics, cultural tourism, fashion, heritage tourism, interior furnishings, Mauritius

16. Fakruddin Foods: Which Way to Go?-A Case Study

Author: A. F. Wazir Ahmada, Md. Shahriar Parvezb, Md. Zahir Uddin Arifc* aAssistant Professor, School of Business, University of Liberal Arts Bangladesh, Dhaka, Bangladesh. E-mail-Id: bLecturer, School of Business, City University, Dhak,(Pages: 11-36)


It is believed that the economy of Bangladesh is on the threshold of achieving significant growth in the coming years. Ready or pre-cooked food retailing may take a boom in recent future. The case study discusses the early development stages of the business and the recent growth including the diversification scopes those are considered feasible. The case depicts the social changes in urban life of this small country, which puts a heavy impact on the consumption behavior and food habit. Expected learning outcomes ? The goal of this case study is to illustrate the challenges that exist in the decision making and implementing process of product diversification and market expansion yet maintaining the distinctive competencies. The following are the expected learning outcomes: the importance of forecasting in changing markets, maintaining the quality and core competencies, role and challenges of related and unrelated diversification in business expansion using an appropriate project structure.
Keywords:Expansion, Diversification; Competencies; Consumer taste and preferences; Supply chain management.

17. A Development of Healthy Promotion Model by E-SAN Folk Healer 's Wisdom

Author: Patthira Phon-ngam* Chairman of Doctoral Degree Program, Faculty of Humanities and Social Science, Loei Rajabhat University Thailand, Email address:,(Pages: 37-48)


The purposes of research were: (1) to study the knowledge used by local folk healers, the condition of healing and services, the acceptance of the methods used by the folk healers in Loei Province, and (2) to develop the model for the promotion of the community health with the herbal wisdom of I-san folk healer participated by the related stakeholders. Mixed methods of quantitative and qualitative research were applied, the quantitative research was used in the survey, and the quantitative research was used in an in-depth interview, the participatory observation, and focus group discussion. The target groups in this study consisted of the registered folk healers from 14 districts of Loei who still perform the healing, the local people who get the services or used to get the services from the folk healers, the senior people in the areas, and Thai traditional medicine scholars. The findings were as follows. 1. All folk healers treat the illness according to the systems of human body. The healing condition in which the folk healers used was related to the belief of local culture that the folk healers believe, including (1)the belief in the causes of illness, (2) 4 elements and 5 aggregates of life, (3) astrological belief on fate, (4) astrological belief on the causes of illness, (5) the belief on the 4 elements of life, (6) the belief in the rite of Thai traditional medicine, (7) the belief and the rite on the herbs, and (8) the belief on the village herbs and the elimination of illness. The acceptance on the healing methods of the folk healers in Loei indicated that the patients and the relatives are satisfied with the results of healing, because the symptoms of illness were disappeared. Some people were back to normal, however, everyone can go back to live life and to work normally as before. 2.The results from the development of the healthy promotion model in community with the knowledge on herbs of the folk healers using participatory action
Keywords:folk healer, wisdom, community, health, healthy promotion, community health promotion

18. The Rise of Strategic Management in the Relation to Non-Profit Intellectual Capital in Social Service Non-Profit Organizations

Author: Salabh Mehrotra* Associate Professor, Neelkanth Group of Institutions, Modipuram, Meerut (U.P.) India Email address:,(Pages: 49-66)


Very little systematic research has examined the applicability of strategic management concepts including SWOT (strengths, weaknesses, opportunities and threats) analysis, industrial organization, resource-based view and core competency, knowledge-based view, Balanced Scorecard and intellectual capital (IC) through the eyes of strategic management development in the non-profit context. This paper aims to examine the above concepts in the light of the unique non-profit environment and determine which one is most applicable to social service non-profit organizations (SSNPOs) in the knowledge economy. Based on a review of the development of strategic management with a focus on the above concepts within the non-profit context, this paper argues that the IC concept is more effective compared with the other concepts in the social service non-profit sector. The paper is considered as a starting point and serves as a milestone in applying IC as a strategic management conceptual framework in the social service non-profit sector. It helps to build a nascent body of literature suggesting that IC can be used as a competent strategic management conceptual framework in the social service non-profit sector. A better understanding of the strategic management development in the non-profit context also helps non-profit leaders to appreciate that IC is the most appropriate strategic management concept in SSNPOs. The increased awareness of the IC concept in SSNPOs, as a result of this paper, will probably generate further research from both academic scholars and non-profit practitioners.
Keywords:SWOT, Intellectual Capital, Social Service Non Profit Organization, Industrial Organization (I/O), Resource-Based View (RBV) ,Knowledge-Based View (KBV) and Balanced Scorecard (BSC

19. Perceptions of Various Stakeholders on FDI in Indian Retail Sector in Hubli-Dharwad an Empirical Study

Author: Chetan Hirematha, Kiran Ambekarb, Akash Mathpatic aSr.Lecturer, Kirloskar Institute of Advanced Management Studies, Harihar-Pune, India. Email address: . bSr.Lecturer, Global Business School, Hubli-Dharwad, India. Email address:,(Pages: 67-73)


The emerging economies of BRICK countries have attracted world attention. Many Multinational Corporations are keenly following these economies to en-cash the opportunities. India with world?s second largest population is a potential market for most of the fast moving consumer goods, durables etc... As a result many retail giants are lobbying for direct investment in the country. These giants argue that their entry would help all the section of the society. However the views of the established traditional players negate the above argument. The efforts of the present UPA Government to allow majority stake to foreign investors in the Indian retail sector are strongly opposed. At this juncture a study on Perception of various stakeholders on FDI in retail is appropriate. In a primary survey about 30 stakeholders? perceptions regarding aspects of FDI are measured and analyzed using one way ANOVA. The study found that the perceptions varied across age and income groups.
Keywords:Emerging Economies, Foreign Direct Investment, Retail Stake Holders

20. Employees' Satisfaction Towards E-HRM In Organizations

Author: Sonam Jain a*, K.C. Goelb a*Reaserch Scholar at Mewar University, Chittorgarh, Rajasthan (India). bEx Dean of CCS University,Meerut, and Ex HOD, Department of Commerce, SD (PG) College, Muzaffarnagar, U.P (India).,(Pages: 74-80)


Electronic HRM is increasingly gaining importance within working organizations and many of its adherents assume and express its advantages. It also refers to the processing and transmission of digitized information used in HRM, including text, sound and visual images, from one computer to another. E-HRM is a way of implementing HR strategies, policies, and practices in organizations through a directed and conscious support of and with the full use of web-technology-based channels. The word 'implementing' in this context has a broad meaning, such as making something work, putting something into practice, or having something realized. E-HRM hence, is a concept - a way of 'doing' HRM. . Scientific support, however, is scarce and there is a lack of clarity regarding the contribution of e- HRM to HRM effectiveness. Efficiency, service delivery and standardisation goals are commonly realised. Some evidence of a transformational impact of e-HRM was found, as HR staff has more time and information to support the organisation in achieving its business strategy. Technology has recently developed in a way that enables e-HR to make a mark, especially with the introduction of corporate intranets and web-enabled HRIS. The nature of the development path, however, varies considerably from one organisation to another organisation.
Keywords:Electronic HRM (E-HRM), Virtual HRM, Web-based HRM, Human resource information system.

21. Inflow of FDI in Banking Sector

Author: Deepika Madana, Renu Tyagib aAssistant Professor, TCM College of Engineering, Gannaur Email: bAssistant Professor, TCM College of Engineering, Gannaur Email:,(Pages: 81-91)


Foreign direct investment is the investment made by a foreign individual or company in productive capacity of another country. It is the movement of capital across national frontiers in a manner that grants the investor to control over the acquired asset. Inflow of Foreign investment is the main economic activity for the development of country. There are two basic types of foreign investment. 1.) Foreign direct investment 2.) Foreign portfolio investment This abstract is based on the foreign direct investment in banking industry in India. Banking sector is the main sector of a country. Because over all development of the country is fully dependent on the growth of banking sector. Banking sector creates the infrastructure development as well as economical development. The performance of foreign banks in India and compare the foreign bank to the Indian domestic banks whether public banks or private banks. There are various angles in which analyze the performance of foreign banks like according to the investment, growth, market share, profitability etc. On the basis of all these angles researcher is analyzing the performance of foreign banks in India. The banking industry in India seems to be unaffected from the global financial crises which started from U.S in the last quarter of 2008. Despite the fallout and nationalization of banks across developed economies, banks in India seems to be on the strong fundamental base and seems to be well insulated from the financial turbulence emerging from the western economies. The Indian banking industry is well placed as compare to their banking industries western counterparts which are depending upon government bailout and stimulus packages. The strong economic growth in the past, low defaulter ratio, absence of complex financial products, regular intervention by central bank, proactive adjustment of monetary policy and so called close banking culture have favored the banking industry in India in recent g
Keywords:Foreign direct investment, Indian banking industry, Foreign portfolio investment

22. Brand Consciousness on Personal Care Products among Adults with Special Reference to Chennai City

Author: B. Menakaa, R. Ganapathib aAssistant Professor, Department of Business Administration, Bonsecours College for Women Thanjavur. Tamil Nadu? 613 001 Email Address: bAssistant Professor, Directorate of Distance Education, Alagappa Un,(Pages: 92-109)


The consumer who is resourceful and clever makes a crucial decision of buying a particular brand of product among so many offered to him. Many factors weigh with this decision-making. Consumers differ widely in their tastes, preferences, their family background, economic and social status, income and age. They buy different brands of articles and food items for daily consumption and for future use. The present study is to find out the brand loyalty and purchasing decision for the personal care products and to measure the satisfaction level towards the brands and the factors there in. The Research Design which is used in this study is "descriptive research design". The information relating to profile of the company has been gathered from various journals, books and other secondary sources. The internet, the richest sources of information has contributed largely to the secondary data collection. Convenience sampling is used in this study. The study is conducted considering the prevailing condition, which are subjected to change in future. The above study revealed the awareness level about the personal care products among the respondents, factors influencing the purchasing decision, brand loyalty and the satisfaction.
Keywords:Descriptive Research Design, Brand Consciousness, Brand Image, Brand Loyalty

23. A Study on Consumer Perception Towards the Neem Products with Special Reference to Sivakasi Taluk

Author: R. Murugana* aProfessor & Head, Post Graduate Department of Commerce, Sri Kaliswari College, Sivakasi ? 626 130 Email Address:,(Pages: 110-124)


Consumers are not having the awareness about the neem products its utility and unique features. Hence, they do not purchase neem product. As a result there is, lesser market scope for the marketers of neem products. This makes a cause for poor production. Also, the needs of consumers towards the usage of the products are many. They need neem as multi- purpose products. But, neem products do not give the benefits as desired by consumers. Regarding the production of neem products the producers are facing the problem of procuring finance, followed by marketing quality management, purchase of raw materials and labour. Sivakasi is the area in which the researcher deals with the perception of the customers towards the neem products, namely, neem oil, soap, medicines. In order to analyze the attitude of the customers of neem products and potential customers 100 respondents were administered with a well structured schedule.
Keywords:multi- purpose products, quality management, credit management, medicinal properties.

24. Programme for promotion of Village Industry and MSE Cluster - Rural Industry Service Centre (RISC) -A Key Driver for Development of Khadi and Village industry and MSE

Author: Babli Chauhan* Assistant Professor, Department of Commerce, S.P.C. (PG) Degree College, Baghpat Email address:,(Pages: 125-137)


Worldwide, village micro and small enterprises (MSEs) have been accepted as the engine of economic growth and for promoting equitable development. In India, village and MSEs play a pivotal role in the overall industrial economy of the country. It is estimated that in terms of value, the sector accounts for about 39 per cent of the manufacturing output and around 33 per cent of the total exports of the country. In recent years, the village and MSE sector has consistently a registered higher growth rate compared to the overall industrial sector. The major advantage of the sector is its employment potential at low capital cost. As per available statistics, this sector employs about 31 million persons spread over 12.8 million enterprises and the labour intensity in the village and MSE. This sector is estimated to be almost four times higher than the large enterprises. In India, the funding of micro enterprises is aligned with SHGs. Programme for promotion of village Industry Cluster-Rural Industry Service Centre (RISC) really a key for the development of Khadi and village industry. The author in this paper indicates the various facts regarding RICS.
Keywords:Micro and Small Enterprises (MSEs), khadi and cottage industries, village industries, Rural Industry Service Centre (RISC).

25. Redefining Capitalism: Questions on Future and Survival

Author: Paritosh .K. Roopaka* , Ritu Jainb aAsst. Prof. Vidya School of Business, Meerut, Email Address: bAsst. Prof. Vidya School of Business, Meerut,,(Pages: 138-149)


The current world wide recession has once again shaken the root of capitalism and its long run survival. In the past century, most progressive economists believed that capitalism is the only form of economy that could be more stable and survive forever but the recent trends and trauma in most economies have changed the notions of economists, policy makers and the governments. This paper gives an insight into the root cause of economic and societal problems generated due to failures of premises of capitalism. It further tries to suggest the ways and the changes that can help to overcome the problems and making capitalism more meaningful and stable in the present socio-economic conditions and making it more efficient.
Keywords:Capitalism, Socio-economic conditions, neoliberals

26. User Gratification of a desire Services on TVS two wheeler in Karnataka, a case study in Mysore Abstract User

Author: Venkatesh. R* Guest Faculty, DOS in Commerce, Manasagangothri, Mysore University, Mysore-570006, Karnataka, Email Address:,,(Pages: 150-163)


User gratification of a desire means user satisfaction or customer satisfaction, Increased competition is forcing business to pay much more attention to satisfying customers, including by providing strong customer service. It may help the reader to notice the role of customer service in the overall context of product or service development and management. We are in business to meet our customer?s expectations and to do so in a way that creates a positive and favorable experience for them. This experience is based on consistently meeting their expectations in all we do. This does not mean we will always agree or never have issues. They focus employees on the importance of fulfilling user?s expectations. Furthermore, when these ratings dip they warn of problems that can affect sales and profitability. These metrics quantify an important dynamic. In researching gratification of a desire firms generally ask users whether their product or service has met or exceeded expectations. Thus, expectations are a key factor behind gratification of a desire. When users have high expectations and the reality falls short, they will be disappointed and will likely rate their experience as less than satisfying. For this reason, a luxury resort, business ideally is continually seeking feedback to improve user gratification of a desire. Their principal use is two fold with in firms, the collection, analysis and dissemination of these data send a message about the importance of tending to users and ensuring that they have a positive experience with the firms goods and services. In this empirical study I would like to emphasis on A Case study on two wheeler User gratification of a desire Services of T.V.S Ltd in Karnataka.
Keywords:User gratification of a desire Services, trade or profession, surpass, ratings dip.

27. Right to Information Versus Indian Judiciary: An analysis

Author: Dwarika Prasad* Faculty of Law, Meerut College, Meerut Email address:,(Pages: 164-168)


The Court must be the most accountable institution in any democracy because of its vital role as a watchdog. In fact, judges must be held to standards that are higher than any other government officials. This can be, only if RTI Act is made applicable to the Supreme Court. That will ensure that the court, like any other institution, is accountable to the people. Any legislation of Indian legislature has binding force on each organs including judiciary until the same is declared ultra-vires. As a guardian of Constitution, Judiciary has empowered only to check the constitutionality of particular legislation on well founded grounds and to interpret the provisions. So long as any Act stands valid, it must be observed by the judiciary. Same is true in respect of R.T.I. Act 2005. The Court is not covert coward but an eloquently open and fearlessly frank institution. Secrecy is incompatible with the judiciary; otherwise our democracy will become a travesty and they have not humanity will face authoritarian governance by a proprietariat oligarchy.
Keywords:Proprietariat oligarchy, eloquently open, dubious guise, wrested the power

28. An Assessment of Corporate Social Responsibility of Small Manufacturing Firms

Author: Vipul Chalotra* *Assistant Professor, Department of Commerce, University of Jammu, Udhampur Campus. J&K, INDIA Email address:,(Pages: 169-177)


Imparting an outstanding corporate responsibility had become tag of the contemporary business. Corporate social responsibility augments the business image, adds on the profitability, generates wider market share, recognizes its duties towards the society, and develops confidence in the minds of the customers and so on. The present study assesses the corporate social responsibility of 44 small manufacturing units operating in District Udhampur of J&K State. The research framework was examined by empirical analysis of primary data collected. Validity and reliability of the scales in the construct were assessed through BTS and Cronbach-alpha. The results of Chi-square, linear regression analysis revealed positive association of societal safeguard with corporate social responsibility, corporate social responsibility promotes ethical considerations of small scale manufacturers and adoption of corporate social responsibility leads to effective relationships. Further, Government should appreciate and come up with more and more amenities in order to promote social welfare.
Keywords:Corporate Social Responsibility (CSR), Small Manufacturing Firms, Business.

29. Analytical Study of FDI in India

Author: Preeti Rani* Assistant Professor, Department of Commerce, Govt. (P.G.) College, New Tehri, Uttarakhand, Email address: ,(Pages: 178-189)


The present paper tries to study the trends and pattern of FDI in India. The paper also studied that what is the limit of investment in different sectors of the economy and what are the sectors where the investment is banned. Another objective of the study is to analyze the yearly sector-wise investment of FDI in India. The study helps to find out which country has made how much investment during the last five years. For the purpose of study secondary data has been collected from various journals, magazines, and websites particularly annual report of RBI 2011-12. The statistical tools i.e. Mean, Standard Deviation and Kurtosis has been used to analyze the data. The study reveals that that during first two years the investment has increased then it goes down and in 2011-12 it is maximum. The study also reveal that majority of the investment are coming from few countries like Mauritius, Singapore, U.S.A. Japan and Netherland. Bulk of the FDI is concentrated in few sectors like Manufacturing, Construction, Financial services, Real estate and Communication. Despite increase in FDI the variation between the sectors is very high which shows that there is unequal distribution of investment in different sectors. The study also reveals that there are good future prospects from countries from where the investment is low. The study also reveals that since the FDI is concentrated only in few sectors there are good future prospects of FDI in other sector where investment is low.
Keywords:FDI (Foreign Direct Investment), Mean, Standard Deviation, Kurtosis, Playkurtic, Lepokurtic

30. A Study of Relationship between Education Infrastructure and Economic Growth in Madhya Pradesh

Author: Surya Prakash Tripathia*, Mansi Kukrejab, Neeru Joshic a*,b,c Asst. Professor IBMR, IPS Academy, Indore (M.P), India, Email Id:,,,(Pages: 190-205)


The role of education in facilitating social and economic progress is well recognized. It opens up opportunities leading to both individual and group entitlements. Education, in its broadest sense of development of youth, is the most crucial input for empowering people with skills and knowledge and giving them access to productive employment in future. Improvements in education are not only expected to enhance efficiency but also augment the overall quality of life. Thus it seems the State is striving more and more for expanding higher education in Madhya Pradesh, however, the very foundation of higher learning, the primary education is still one of the major challenges for the government. The state still demonstrates slow pace in terms of performance on four basic variables used in computing Educational Development Index [EDI] at the primary level. But inspite of only 4247 new government primary schools has been opened in 2008-09. And share of government schools to total school is increased by 0.20 percent only. Until and unless, the easy access, basic infrastructure & availability of quality teachers is not pledged at the primary level, the goal of universalization of education would remain a distant dream. Infrastructural misery of Madhya Pradesh is also depicted in the level of electricity connection in schools which demonstrate that only 10.74% primary and overall 20.56% schools are having electricity connections. Still there are large numbers of schools that are located in interior areas and are devoid of electricity. For a long time, poor performance on the basic schooling front was attributed to a lack of schools and teachers on the supply side, and poverty, parental attitudes, social barriers and prevalent social customs on the demand side. As noted earlier, significant progress has been made on both fronts. Recent research indicates that an important factor explaining both the high drop-out rates and also the persistence of out-of-s
Keywords:Education Infrastructure, Economic Growth, Improvements in education, poverty, Human capital

31. Supply Chain Performance Measurement using Benchmarking and Balance Score Card: A conceptual framework

Author: Abhishek Jain a*, K.C. Goel b aResearch Scholar at Mewar University, Chittorgarh and Manager, Supply Chain Management Dept. Apollo Tyres Ltd, Gurgaon, Haryana, India b Ex Dean and Ex HOD, Dept. of Commerce, SD(PG) College, Muzaffarnagar, U.P., India,(Pages: 206-217)


A supply chain is the network of agencies to perform a set of operations from procuring raw material, transforming the raw material in to finished goods, storing them, distribution to the final customers and render the quality services through a team work of internal employees and external partners like suppliers, supplier?s suppliers and distribution channel members. The core supply chain we can describe as a relay game in which the participant or each players either the facility or an individual pass on the baton effectively from one to other until it reaches the final player-?The customer?. Supply chain has to be timely monitored for optimizing business processes through understanding better working processes and evaluating self performances, this can be done by benchmarking or using a Balance Score Card approach.
Keywords:Supply chain, Benchmarking, Balance Score Cards

32. A Study of HRD Climate Prevails in Private Engineering College and Difference in Perception of Male and Female Employees

Author: Mukesh Kumar Parashara*, Murlidhar Pangab a*Registrar, Shri Vaishnav Institute of Technology & Science, Indore (MP) E-mail- bDirector, Medi-Caps Institute of Techno-Management, Indore (MP) E-mail-,(Pages: 218-225)


The organizations are attaching great importance to human resources because human resources are the biggest source of competitive advantage and have the capability of converting all the other resources in to product and services. The effective performance of this human resource depends on the type of HRD climate that prevails in the organization, if it is good than the employee?s performance will be high but if it is average or poor then the performance will be low. The study of HRD climate is very important for all the organization and the Education sector is not an exception, especially in the present situation of grooming of professional studies. The present study is an attempt to find out the type of HRD climate that is prevailing in Shri Vaishnav Institute of Technology & Science a private engineering college in Indore. The researchers have also tried to find out the perception of employees regarding HRD climate prevailing in the institute and difference in the perception of employees on the basis of gender. The researcher collected the data from the employees of the above engineering institute using structured HRD climate questionnaire. The data were analyzed using various statistical tools. The result shows that the HRD climate in private sector engineering college is average and the perception of employees regarding the HRD climate does not differs significantly on the basis of gender. The paper ends by offering useful suggestions to the management involved in the running of the private engineering college.
Keywords:Human Resource, Human Resource Climate, HRD mechanism

33. A study on how Teenager?s influence their parents to purchase a two wheeler for their use: An Empirical Analysis

Author: A.S.Mohanrama*, C.Madhavib a*Department of Management Studies, St.Joseph?s Collrege of Engineering, (Affiliated to Anna University), Mamallapuram Road, Chennai 600107, Cell 9940022016 Email Id: bReader, Annamalai University, Anna,(Pages: 226-235)


The focus of this research is parent and child decisions about the purchase of products used by teenagers especially the purchase behaviour, purchase decision process and the response of parents. The research has been carried out fewer than two headings: (1). Analysis of purchase behaviour of teenagers and (2). Parent?s response on the purchase decision Teenagers indulge consumer information search prior to decision-making. After thoroughly obtaining the information about the two-wheeler, they employ emotional strategy to materialize their purchase decision process. It is also noted that teenagers? are also influenced by friends/peers. Friends/peers are an important socializing influence, operate most strongly in socio oriented communication pattern. Hence, for the purchase of two wheeler, teenagers also employ logical strategy to achieve their purchase decision. It was also identified that purchase behaviors of teenagers are mainly related to decisional influence rather than information search Teenagers apply both emotional and logical reasoning while applying their strategy on their parents for their purchase approval. Parents feel that two wheeler is an essential item for the teenagers to go various places in connection with their academic requirements like going to college, library ,visiting their peers for subject clarifications etc. Also, possession of two wheelers by the teenager will be of much use in the family also; as such parents give positive response to the teenager?s for the purchase of two wheelers.
Keywords:Purchase decision, Emotional strategy, Logical strategy, Peer?s influence, Parent?s response

34. Foreign Direct Investment and Its Impact on Indian Economy

Author: M.K. Sirasa*, Deepak Kumarb a*Reader, Department of Commerce, M.M.H. College, Ghaziabad bResearch Scholar, Department of Commerce, Meerut College, Meerut,(Pages: 238-143)


Globalization means so many things to so many process of globalization is exchange of ideas. It is starting point of globalization. For the rapid development of the Indian economy Foreign Direct Investment as a strategic component of investment is needed by India. FDI is seen as a means to supplement domestic investment for achieving a higher level of economic growth and development. FDI benefits domestic industry as well as the Indian consumers by providing opportunities for technological up gradation, access to global managerial skills and practices opening up export market, providing backward and forward linkages and access to international quality goods and services.
Keywords:FDI, International monetary fund, LPG ( Liberalisation, Privatisation, and Globlization ), and Political imperatives.

35. E-Commerce Traditional and New Generation Models and Their Security Issues

Author: Ankit Kumara*, Deepti Kanojiab a*Computer and Management Department, Multanimal Modi (P.G.) College, Modinagar, UttarPradesh, India. Email: bDepartment of Commerce and Business Administration, Multanimal Modi (P.G.) College, ,(Pages: 244-250)


As we enter into the new millennium we can see that the world is shifting to a new era in terms of new speed of changes. Information Technology (IT) brings this new speed to human history. This fast speed of changes touches all aspects of human life. E-commerce is playing a central role in the development of people. It has created a vast range of business opportunities for both firms and individuals. In this research paper an attempt is made to focus on the initial problems of e-commerce and their solutions through new generation models and also drag the security issues behind it and their cure.
Keywords:E-Commerce, Encryption, Cryptography, Authentication, Integrity,


Author: Book Reviewed by: H. RAMAKRISHNA Associate Professor & Co-Ordinator, Department of P. G. Studies in Commerce, Smt. Saraladevi Satishchandra Agarwal, Government First Grade College, BELLARLY- 5831 101 E-mail:,(Pages: 261-262)


By Dr. NAGESH KUMAR Chief Economist of the Economic and Social Commission for Asia and the Pacific (ESCAP) and director of its Sub-regional Office for South and South-West Asia, New Delhi Publisher: Oxford University Press, USA (September 12, 2002) Language: English ISBN-10: 0195658590, ISBN-13: 978-0195658590 Hardcover: 250 pages

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