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: 2(Jul-Dec(2012))

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1. The Mauritius Apparel Manufacturing Industry: Explorations of the Past to the Present

Author: Jacquelene Robeck*, Satyadev Rosunee, Jessica Pattison ,(Pages:163-174 )


This study examines the history and major changes of the Mauritius textile and clothing industries. Development of the small island, its culture, and resources are explored as they relate to the textile and apparel manufacturing industry. The paper compares and contrasts the conditions under which Mauritius developed its industry, current status and challenges and future strategies. The short history of the Mauritius textile and clothing industry is impacted by world events as well as singular activities particular to the island and its mixed society. Five interviews were conducted of senior level personnel in leading textile and apparel firms, government positions and export associations over a four month period of time in 2011 in the country of Mauritius. The nation faces a decline in apparel production and exportation and has developed strategies, such as marketing themselves as eco-friendly manufacturers and contractors to gain better positioning in the global textile and clothing market.
Keywords:Textile and Apparel, Multi-Fiber Agreement, EPZ Companies, Southern African Development Community.

2. A Study on Employees? Perception on Quality of Work Life and Job Satisfaction in manufacturing organization ? an Empirical study

Author: D. Chitra*, V. Mahalakshmi ,(Pages: 175-184 )


Quality of Work Life (QWL) is being used these days by organizations as a strategic tool to attract and retain the talent. QWL policies are increasingly becoming part of the business strategies and focus is on the potential of these policies to influence employees‟ quality of working life and more importantly to help them maintain work-life balance with equal attention on performance and commitment at work. QWL is ?The degree to which members of a work organization are able to satisfy important personnel needs through their experience in the organization? The aim of this study is to find out about the employee?s perception on their work-life quality. Previous studies indicated that employees? perception on work life quality significantly influenced their job satisfaction. 460 employees were participated in this study. However, only 251 survey questionnaires were returned yielding 54.6% response rate. Ten variables to measure Quality Work Life (QWL) are examined namely support from organization, work-family conflict, relationship with peers, self competence, impact on job, meaningfulness of job, optimism on organizational change, autonomy, access to resources and time control. All these variables are tested the relationship with job satisfaction. The test indicated that each of the QWL variables on its own is a salient predictor of Job Satisfaction. However, 7 QWL variables are no longer significant predictors for job satisfaction when all the 10 QWL variables are entered into the regression equation. Using multiple linear regressions, only 3 QWL variables (meaningfulness of job, optimism on organizational change and autonomy) are significantly related to Job Satisfaction. However, they only explained 28.8% of the variance in Job Satisfaction, F (10, 240) = 11.134, p<.05.
Keywords:Work life, motivation, satisfaction, organizational commitment.

3. Basis for Strategy Formulation and Implementation of Advertising Agencies in India

Author: Yashmin Sofat* ,(Pages: 185-203 )


There has been little effort to analyze the changing conditions of work in the advertising agencies in India. In this paper, author attempts to understand the context that how advertising agencies in India formulate and implement their strategies which help to know that how advertising agencies face to challenges and able to capture new opportunities with the help of these changing strategies from earlier ancient times to new era. Even, author tries to clarify that how the strategies of advertising agencies vary across their nature. The study aims to explore some of the basic issues related to the changing strategies of the advertising agencies. The study will explore the analysis of competitive environment, in terms of formulation and implementation of the advertising agencies. In this paper, author attempt to clarify that in this today era, how advertising agencies help to grow and compete and also provide suggestions for the same.
Keywords:Advertising Agencies, Strategy, Strategies of Advertising Agencies

4. A Study on Attitude of Fireworks Manufacturers in Sivakasi Towards Eco-friendly Fireworks

Author: T. Palaneeswari*, C. Muthulakshmi ,(Pages: 204-212 )


Sivakasi is known throughout the world for fireworks production. Low rain fall and a dry climate prevailing in this area contribute to unabated fireworks production. Sivakasi supplies firecrackers and sparkers for all important ceremonies. For the color effect of fireworks, toxic heavy metals like barium, aluminum, lead, mercury salts, antimony, copper, and strontium can be used in firework compositions. The smoke from fireworks consists mainly of fine toxic dusts that can easily enter the lungs. They are more harmful to the society as they pollute our environment which affects the infants, children, pregnant women, patients and senior citizens. Fireworks fallout can contaminate water supplies and residue on the ground can be carried away by rain and end up in our lakes, rivers, or oceans. The noise from fireworks exceeds 140 decibels that scares pets and wildlife like birds, animals etc. For a long time, these consequences were not considered. Now-a-days modern developments in pyrotechnics are aimed at the use of nitrogen-rich compounds that burn cleaner and produce less smoke. These environmentally friendly fireworks could also offer better color quality and intensity than traditional fireworks. Keep in mind the responsibility towards the society, the fireworks manufacturers would adopt their production strategy towards eco-friendly fireworks. This study covers the awareness, acceptability and adaptability of eco-friendly fireworks among fireworks owners in Sivakasi.
Keywords:: conventional fireworks, eco-friendly fireworks, pyrotechnics, firework compositions, multiple chemical sensitivity

5. A New Look of Dharma & Karma: Social & Ethical Sense of Management for Management

Author: Sangya Shrivastava* ,(Pages: 213-219 )


At red light; one can see the team of baggers who knocks each car?s windows for bagging for the sake of Lord Ram. This is very common which can be seen everywhere but don?t know why those words compelled us to think. Even they couldn?t get the alms but may be sake of Lord Ram?s name they get?.when we looked them they were having cell phones also. We lost our patients and shouted ?you are having money to recharge the cell and bagging the money??Very smartly they relied ?Madam we are living in IT?s era, it?s easy to connect with each other to know the good prospect in our business.? We normally shocked, but it?s true. We were feeling the fragrances of management vision. Then we wowed what a Hindu culture is which sets a mile stone for life skills thousands of years back. It is very known in Hindu culture that Lord Ram and Lord Krishna were an incarnation of Lord Vishnu. Then question arise why Lord Vishnu required to be incarnated? After a long mental churn came to the result that Both Lords won the evils, so past era was also having same environment then on the basis of it only they adopted the techniques which are now a part of management syllabus, which is creating awareness about Social and Ethical Sense of Management for Management. How Social and Ethical Sense of Management is for Management, to know this we have divided the paper under these sections- Subject & Problem, Key Research Questions, Research Context, Observations, Practice and Tacit, Knowledge Conclusion and Implication for Society and Policy, References After analyzing the main objective with these sections came to the conclusion that although we introduce lots of new techniques for better life skills ,betterment for the society, but ultimately we have to follow the techniques(ethics & values) which Lord Ram, Lord Krishna used for peace & Ram- Rajya.
Keywords:Social and Ethical Sense of Management, implementing strategic management decisions, Corporate Social Responsibility (CSR), Business Ethics, Quality of Work Life and Quality Circles, globalization, values.

6. Impact of Self- Help Groups Bank Linkage Programme in India

Author: Uma Narang ,(Pages:220-228 )


Self-Help Group means a group of 10-20 members which may or may not be registered representing financial intermediation, but the financial intermediation is not the only primary objective of the groups. The motive is to combine the access to low-cost financial services with a process of self management and development. NGOs or Government agencies usually form and support these SHGs. The members of these groups save the amount which is used for loans. Inspite of considerable expansion in the branch network, a large share of India?s population continues to remain outside the formal banking system. Due to widespread rural bank branch network, the SHG-Bank Linkage Programme is very suitable to the Indian context. Although various alternative ways are being experimented in order to meet the objectives of financial inclusion. The SHG-Bank Linkage Programme is considered as most successful, promising and widely accepted model in India. Self Help Group- Bank Linkage Programme- a pilot project started by NABARD is widely accepted model as one of the largest and successful one in the world. The present study is analytical and based upon secondary data which has been collected from different published reports, journals and existing available literature. The objective of this study is to evaluate the progress and impact of self help group bank linkage programme.
Keywords:Growth, Models, Self-Help Group, SHG-Bank Linkage Programme

7. Development of Activities Model for Promoting Healthy of Aging in Thailand and Japan

Author: Patthira Phon-ngam* ,(Pages: . 229-238 )


The study of the current situation and problems of organizing activities of healthy promotion for aging in Thailand found that the village still did have any aging healthy promotion model with the whole dimensions of aging development. Actually, there were some activities that people with any ages could participate but those activities had been stopped. In Japan found that the activities were healthy activity and social activities. The problem is that there were no enough participants, no clear planed activities and no budget and stopped when the budget ran out. The study a types of the activities will promote for aging in Thailand and Japan found that have to promote on physical activities, social activities and economic activities The results of developing the models could be showed in 3 models as physical model, social model and economic model. All the formulated models were implemented in forms of healthy development activities for three months. The model of physical model included 3 activities such as: exercising, playing games, attending the trainings for healthy promotion of knowledge. The social model comprised 5 activities such as: group meetings on the Buddhist observance day, visit to nine temples for Buddha worships, New party, study visits for the aging healthy promotion, and activities on the aging day. The economic model included 2 activities such as: a training for making the DOK MAI JUN (Sandal wood flower) for the cremation, herb preservation training. The result of assessment used questionnaires and interviews the aging that joined the activities for the degree of satisfaction, knowledge, and usefulness that the aging received from the activities. The assessment also found that the happiness points of aging were at 33 as the lowest and at 54 their highest point was higher than that of the general standard of Thai psychological healthy which is between 27.0 through 32.0 points. The finding of this research showe
Keywords:healthy aging, activities model for promoting healthy, developing the models

8. India: Key Emerging Market for Hospitality Industry

Author: Sumedha Sudershan Naik* ,(Pages: 239-248 )


Leisure, as well as business travel is on the upswing as a result of the improving global economy. Emerging economies viz. China and India will be at the center of growth for Hospitality Industry in the next decade. International hospitality leaders are adopting various strategies to create their impact in the emerging markets. The key challenges faced by the hospitality industry are brand differentiation, lack of infrastructure, vexatious regulations, changing demographic drive, crisis management, shortage of skilled human resource and sustainability. This paper takes an overview of Indian Hospitality Industry as a key emerging market for global hospitality. It is an attempt to give suggestions to face the challenges before hotel industry and maximise its performance in India.
Keywords:Hospitality, India, Key Emerging Market, International Brands in India.

9. Psychology and Buying Behaviour of Rural Consumers with Special Reference to Television, Washing Machine and Refrigerator in the Rural Areas of Meerut Region

Author: Ratika Rastogi*, Sonia Chaudhary ,(Pages: 249-259 )


In this era of competition understanding the consumer is a necessity for producers. The consumer behavior suggest how individual, groups and organization select, buy, use and dispose of goods, services, ideas or experience to satisfy their needs and wants. Consumer needs and preferences are continuously changing given the changes in factors like demographics and lifestyles. Rural areas are scattered and it is next to impossible to ensure the availability of a brand all over the country. It is true that Consumer India is flourishing, but at the same time Indian Consumer has his roots deep into his traditions. This is what calls it as 'The Indian Way'. The present study is an attempt to examine the purchase motivators (viz; Item of necessity, symbol of social status, marketing influence, brand reputation) for television, washing machine and refrigerator in the rural areas of Meerut region. This study is helpful to the manufactures to identity the consumer perception, beliefs, and behavior for improving them to introduce new strategies and increase in sales. Present paper discusses about how to find the modern way for marketing implementation and value addition.
Keywords:Rural Market, Rural consumer, Fast growing product segments such as television, washing machine, refrigerator, Buying Decision Process, Characteristics of buyer, Consumer Durables, Brand Preference

10. Growth and Promotion of Information Technology in Stock Market in India

Author: PriyaVerma*, P.K.Agarwal and PankajYadav ,(Pages: 260-268 )


Information Technology is making profound inroads into the very fabric of our society and our economy as a nation in the global community. It is a decisive technology shaping the future. Information technology is a high tech industry, which requires a great deal of brainpower. It is highly versatile. After all, any economy consists of manufacturing and services. In every area of activity like manufacturing or services where are applies IT, one is bound to see the advantages in terms of productivity and savings in cost and energy. It has also helped to control inflation. The internet has really been the harbinger of e-commerce. In a present area, if there is any technology whose time has come, it is information technology. It is a decisive technology shaping our future. The success in today's competitive and complex environment depends on speed and information technology is designed for speed. Because of information technology, the world has become a global village. The Indian economy has got more closely linked with the global economy. Being a hi-tech industry, information technology requires a great deal of brain power. Human resources are the most vital resources in the technology. One of the most important economic developments in recent years has been the rapid increase in the IT sectors, computing and communication, share of investment activity and of the gross domestic product. The globalization of financial markets draws the e-business figure. Technological innovation has the power to change the dives of millions in one take. Modern communication, the deregulation and privatization of government owned business, competitive pressures to increase the speed of flow of trade, reduced the paperwork and the emergence of global financial system have all helped transform local drug operation into global enterprise. The study reveals that due to tremendous growth of information tech
Keywords:Deregulation, E-business, Globalization, Information Technology (IT), Privatization.

11. Customer Attitude Towards Shopping Malls in Mumbai

Author: Shivakumar R. Sharma ,(Pages: . 269-280 )


Today, supermalls are replacing ?kirana? stores all over India. India?s retail infrastructure is slowly undergoing a change with many hi-fi supermalls being constructed and operating in various cities. The mall concept has come to stay for good. The Indian consumer seems to be undergoing a shift in terms of personality, buying motives, interests, attitudes, beliefs and values when he or she is making a shift from ?kirana? stores towards shopping malls. In this context it assumes significance to study the buying behaviour of consumers in Mumbai especially with changes taking place in India?s retail scenario. The scope of this research is to assess the overall customer satisfaction, response of customers with regard to the availability and quality of products and services offered at shopping malls and the comfort level of the respondents towards shopping in the shopping malls in Mumbai. This study is restricted to 5 shopping malls in Mumbai. Factors influencing the customer to shop in the shopping malls of Mumbai such as socio-economic profiles, income, frequency of visit, period of relationship between the respondents and shopping malls, purpose of visit, occasion to visit shopping malls are some of the aspects studied in the present study.
Keywords:shopping malls, retail, ?kirana? stores, customer, customer?s attitude, Mumbai

12. Increased Non-performing Assets in Indian Banks leading to Consolidation as Remedy: A Study of Strategic Advantage and Compromise

Author: Saptarshi Ray ,(Pages: 281-290 )


Indian Banking Sector since inception has gone through a series of corporate restructuring. Starting from the age of Presidency Banks, the banking sector has taken up consolidation as a strategic move to enhance their competitiveness in the global arena. History reveals that India?s Largest Bank, State Bank of India, is a product of mergers of the Presidency Banks. Post-nationalisation phase projects Reserve Bank of India (RBI) as a vital role player in the process of the mergers of the Indian Banks. RBI, being the apex bank of the country has come up with several directives forcing a strong bank to take-over the weaker banks which eventually tantamount to acquisition of Non-performing Assets (NPAs). This paper endeavours to study the probable synergies arising out of the consolidations and how it has been strategically different from the mergers and acquisitions taking place globally. In the due course of establishing such fact, the paper has gone through an international case-study relating to takeover of ABN-AMRO Bank by the Royal Bank of Scotland and how the focus of such merger has been different from the Indian consolidations taking place. Focussing towards the Indian context, the paper has taken up few case-studies relating to the Indian banks to show how the Indian banks has undertaken corporate restructuring only to shift the burden of NPAs from a weaker bank to a giant. This strategy might not prove to be sustainable in future because the loan recovery system and the Debt Recovery Tribunals have already proved its incompetence in the past. Moreover, the Indian banking giants are also suffering from high NPA accumulation. Under the above situation, this paper is an effort to prove that the consolidations taking place in the Indian Banking Industry might be a short-term remedy for the weaker banks to get out of their failure but cannot assure a future growth in the industry.
Keywords:Indian Banking Industry, Non-performing Assets, Consolidation, Merger & Acquisition, Debt Recovery Tribunals

13. Role of HR in Developing and Shaping Organizational Culture: A Study in Geometric Limited

Author: Sarita Kumari ,(Pages: 291-310 )


?We found that firms with cultures that emphasized all the key managerial constituencies (customers, stockholders, and employees) and leadership from managers at all levels outperformed firms that did not have those cultural traits by a huge margin?. John Kotter & James Heskett, Harvard Business School, Corporate Culture and Performance (1992) Purpose: To study and analyze how HR play a vital role in developing and shaping organizational culture and thereby helps in achieving organizational objectives in an effective and efficient manner. Design/Methodology/Approach: The research design adopted for this study is exploratory in nature. Hypotheses are formulated and proved. The researcher makes use of random sampling to select the required number of samples. The organization selected for the study is Geometric Limited, Vikroli, Mumbai. The primary data are collected through the distribution of structured questionnaires. Literature outlining role and responsibility of HR in building and shaping organizational culture is summarized. Findings: HR plays a major role in developing and shaping organizational culture and could bring remarkable progress in organizational effectiveness.
Keywords:Organization Culture, Values, HR Manager, Leadership, Geometric Limited and Shared Meaning.

14. Capturing Robust Market Potentiality of Rural-India

Author: Anil Kumar Yadav *, Preeti Singh ,(Pages: 311-322 )


The real India lives in villages. While it is an emerging economic power, life remains largely rooted in its villages. There are nearly three fourth of the country's consumers residing in 6,38,365 villages, who provides a huge demand base and offers a great opportunity for all marketers, whether from Indian companies or MNCs. But poor infrastructure, lack of market information, scattered location, wide geographical area, multiple times of distribution channel, high distribution cost, poor economic position of consumers, lack of credit facilities, different socio-culture life style, lack of awareness, etc., creates hurdles. Now the LPG, IT revolution, improved infrastructure, electronic media, increased income and Indian Diaspora have entirely changed the scenario of rural marketing. The cases of ITC's 'e-Choupal' and HLL's project 'Shakti' etc. are examples of corporate efforts to capture the robust market potential of rural-India. Present paper deals with all such matters and issues necessary to conquer untapped robust consumption potentiality of 120 million household of the 'Rural India'.
Keywords:National Council of Applied Economic Research (NCAER), Fast Moving Consumer Goods (FMCG), National Rural Employment Guarantee Scheme (NREGS), Annual Status of Education Report (ASER), Kisan Credit Cards (KCC).

15. Analysis of Present Issues of Retailing Industry in India and South Africa

Author: Jagadeesha. M ,(Pages: 323-336 )


Today retail trade has been divided into three categories Modern trade, General Trade and HORECA. FMCG industry recruiting sales force in the same pattern right from National level to bottom line or front line. Retail industry has been categorized as FMCG, FMCD etc. Till 2000 most of the companies were entrusting these sales activities to their general trade executives/supervisors to look after purchase orders from retail or wholesale shops and supermarkets as well. Due to liberalization policies or economic reforms more multinational retail and wholesale companies like Care-4, Metro Cash and Carry etc., many more companies entered Indian retail market through joint venture. By entry of these companies the retail trend has been changed and some of the big Indian business tycoons like TATA, RELIANCE, BIRLA and many more entered into retail trade. Along with tier 1 business tycoons so many tier 2 and 3 business houses also have entered into the race. This trend has not stopped here, there are so many regional players also enter into foray also this trend extended up to semi-urban towns and rural as well.
Keywords:Modern Retail Trade, General Retail Trade and HORECA

16. Study of Energy Sector with Special Reference to India?s Perspective

Author: T.D. Mahanwar. *, Somnath Kisan Khatal ,(Pages: 337-346 )


India?s energy and economic development has a cause and effect relationship. With India being a growing economy, there is external resistance for sacrificing economic growth for the sake of protecting environment in the future. A study covers concept of energy and sustainable development, India?s energy demand in high growth scenario, production and consumption of energy, energy and its impact on environment of India, recommendations of energy saving and also shown that T&D losses, covering the usual technical losses and the unusual thefts, were higher in the states where law and order where inferior. Whatever political party comes in power becomes corrupt and runs the Board administration accordingly. The systemic problems with the SEBs has stemmed from the corrupt political system. Under such a situation no amount of legislation can help ? Electricity Act, 2003 is no exception. A strong political will and the proper enforcement of the existing electricity rules can improve the situation properly.
Keywords:Energy, sustainable development, environment, infrastructure

17. HRM Practices in Indian Consultancy Firms

Author: Pallvi Vadehra*, R.C. Lal ,(Pages: 347-358 )


Job consulting is a knowledge-intensive industry, in which human resources are considered to be the most important asset. This industry, which had been flourishing until recently, has attracted the interest of academia, private business, public authorities and even journalists. As a result, a broad range of issues related to this sector have been explored in detail. However, only a few contributions deal with personnel or Human Resource Management. There are two possible explanations for this lack. Due to its uniqueness and strategic importance, information about human resources has been treated by consulting firms with a great deal of confidentiality .This has been confirmed by our own experience. On the other hand, human resource management in consulting firms has just recently gained a more "explicit" and "formal" shape, thus, making it a subject of researchers' and consultants' interest. Therefore, the main intention of this paper is to provide an insight into those areas as yet barely touched on by delivering a specific and fairly concrete idea about the role and different facets of human resource management in, and consulting firms. It is mainly aimed at the potential clients and applicants of consultancies and, of course, at scholars looking for empirical evidence with regard to the topic. Further, we can imagine that this research could be a useful source for consulting firm management in a practice-oriented manner.
Keywords:Job Consultancy Frim, Job Satisfaction, Performance Appraisal, Recruitment, Training, Job Seeker, Placement Agency

18. Effects of Civilian and Military Consumption on South and East Asian Countries: A Panel Data Analysis

Author: A.K. M Saifur Rashid, Md. Zahir Uddin Arif ,(Pages: 359-366 )


This study is an attempt to estimate the opportunity costs of military expenditure in terms of consumption in developing economies of South and East Asian countries. Military of developing countries are highly paid comparing to their civilian counterpart. This study examines empirically comparative consumption effect between military and civilian consumption considering ten South and East Asian countries over the period 1988-2008. Empirical analysis of the study finds that the amount of marginal benefit in utility terms accrued by the extra unit expenditure on military is less than the marginal benefit accrued by the extra unit expenditure on civilian in the society as a whole. It is clear that the part of military expenditure which is used for consumption purposes has a positive multiplier effect on the economy though controversy remains about the effect of overall military expenditure on the economy. Therefore, the consumption effect of military expenditure should be accounted with compare to civilian consumption in developing society.
Keywords:Consumption effect; Civilian consumption; Military consumption; Panel data analysis

19. Liquidity Management in Indian Electrical Equipment Companies (A Comparative Study of Companies Listed in Nifty 50)

Author: Dharmendra Kumar, Charu Agarwal* ,(Pages: 367-389 )


Liquidity is perceived as the debt paying ability of a going concern. Liquidity refers to how quickly and cheaply an asset can be converted into cash. Liquidity is the ability of a company to meet the short term obligations. To keep a constant eye on liquidity position of a company, it is of utmost importance as without it a company cannot survive. In this paper a comparative study on the liquidity position of capital goods industry i.e., Indian Electrical Equipment Industry has been done to know the liquidity position of the companies listed in Nifty 50 under this segment. The techniques of mean, standard deviation, coefficient of variation, ratio analysis, and Motaal?s ultimate rank test has been applied to conclude. The major findings of the paper are the current assets, liquid assets, current liabilities, net working capital and quick net working capital of BHEL and Suzlon Energy Ltd. shows a positive growth rate which indicates that the liquidity position of the company was safe during the period of study except ABB Ltd. and Siemens Ltd whose quick net working capital growth rate is negative which indicates towards unsound liquidity position. The major components of current assets of all the companies are Inventories and Sundry debtors except Suzlon Energy Ltd. whose major component is loans and advances. According to Motaal?s Ultimate Rank Test the liquidity position of Siemens Ltd. seems to be sound among the selected companies.
Keywords:Liquidity Management, Components of Working Capital, Ratio Analysis, Motaal?s Ultimate Rank Test

20. Cost benefit analysis of the recycling process with regard of the environmental protection and financial benefits for organizations

Author: Msc. Ivo Kuzmanov* ,(Pages: 390-394 )


Organizations that have implemented the system for environmental protection according to international standard ISO 14001, on the one hand reduce the harmful impact on the environment or the same amount to within an acceptable, while other organizations are facing a real problem for the effective monitoring of impact on the environment. The purpose of this paper is to show how that can directly increase the efficiency of system implemented through a recycling process that greatly reduces the amount of drawback, but also brings financial benefits to organizations. Recycling process introduced by the beginning of the implemented system for environmental protection increases the efficiency of the same, reduces waste, increases profits and reduces the direct impact of the industrial system on the environment.
Keywords:environmental protection, ISO 14001, recycling, cost benefit analysis


Author: ,(Pages: 395-397 )



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