Factors Affecting Credit Deployment by Banks in India: A Comparative Study of Private and Foreign Banks
Kulpreet Kaur 1 & Dr. Rajinder Kaur 2
Credit deployment is an essential function of a bank. Banks deploy credit as per their credit policy. Banks require a clear-cut credit policy to conduct its lending business in an orderly and safe manner so that its loan portfolio remains balanced in terms of size, type, maturity, security thereby providing steady earnings. But, there are several factors that influence banks credit policy thereby affecting credit deployment of funds by the banks. The paper seeks to study the factors affecting credit deployment by Private and Foreign Banks. The present study is based on secondary data covering a period of fourteen years from 1997-98 to 2010-11. The study found that in both the bank groups different factors affect its credit deployment activity. There is a significant association of the some of the selected indicators with the advances of Private and Foreign Banks in India. In case of Private Banks, advances are significantly associated with deposits whereas in Foreign Banks, credit deployment is significantly affected by the borrowings and the number of employees.
Keywords: Credit deployment, Private Banks, Foreign Banks, Deposits, Borrowings, Number of employees.
1 Research Scholar, Department of Commerce, Punjabi University, Patiala.
2 Professor, Department of Commerce, Punjabi University, Patiala
Ethical Attitudes in the Students of Sultanate of Oman : A Case Study Approach on Selected Group of Students From Ibri College of Technology, Oman
Dr. Brinda Kalyani P R 1
Ethics forms the base and purpose of education at the collegiate levels across countries. Studies along with applied ethics build up a good student, but invariably the examination committee of every college ends up with minimum 15% of the students cheating during the examination. An attempt is made by the authors to find out the reasons and solutions to this problem and help both the student community and the faculty team for a further smooth sail combining ethics and education.
Keywords: Ethics, Collegiate level of education, Organisational ethics, ethical behaviour, straight forwardness.
1 Assistant Professor, Dept. of International Business Admn., Rustaq College of Applied Sciences, Sultanate of Oman.
Big Five Personality and Occupational Stress Among the Managerial Personnel of Automobile Industry
Dr. P. Paramanandam 1 & R. Radhamani 2
Stress arises when individuals perceive that they cannot adequately cope with the demands being made on them or with threats to their well being. The present study was aimed at studying the big five personality traits and occupational stress among the managerial personnel of automobile industry. A convenience sample consisting of thirty two managerial personnel working in automobile industry participated in the study. Questionnaires were administered to assess big five personality traits and occupational stress among the managers. The collected data was analysed with mean, standard deviation, correlation and regression. Results indicated that there was a significant correlation between occupational stress and extraversion; stress and agreeableness; stress and conscientiousness; and stress and openness. Approximately sixty five per cent of the variance of occupational stress was explained by the big five personality traits extraversion, agreeableness, conscientiousness, emotional stability and openness to experience.
Keywords: Agreeableness, Conscientiousness, Emotional stability, Extraversion, Openness to experience, Personality and Stress.
1 Associate Professor, PSGR Krishnammal College for Women, Coimbatore
2 Assistant Professor, RVS Institute of Management Studies, Coimbatore
E-Procurement for Prompt Policy Execution
Rashi Taggar 1
The government agencies make policies for the benefit of society as they seek to increase the comfort and uplift the standard of living of people. Procurement is an initial and most vital function of projects for policy implementation. E-procurement is a solution to enhance the efficiency and to curb the vices of the system. An attempt has been made in this paper to discuss effectiveness of e-procurement as a governance mechanism. The brief discussion of developing nations using this system throws light on the benefits ascertained followed by challenges existing and certain suggestions to make this electronic solution of procurement process wide spread.
Keywords: E-procurement, Government, Public.
1 Assistant Professor, College of Management, Shri Mata Vaishno Devi University, Kakryal, J&K
Effects of Sales Promotion Mix on Customer Satisfaction: A Study with Reference to Shopping Malls
Dr. Satnam Kour Ubeja 1
The retailing sector in India has undergone significant transformation in the past 15 years. The organized retail industry in India has to grow 20-30 per cent annually and would triple or become four times in size by 2014. The purchase of goods or services includes a number of factors that could affect each decision. Customer satisfaction is complex and even more important for retailers today than in past. The objectives of this study were to examine the combined effect of sales promotion schemes on customer satisfaction with reference to shopping malls in FMCG sector and to compare the effects of various sales promotion schemes on customer satisfaction with reference to shopping malls in FMCG sector. Mall intercept survey was conducted to study sales promotion mix on customer satisfaction in shopping malls of Gwalior city. The sample included 200 active mall shoppers. The sales promotion mix on customer satisfaction were identified by a structured questionnaire and captured in 18 items of sales promotion mix. These sales promotion mix items were refunds/ cash back, anniversary schemes/ festival schemes, contests, product warranties and weekly/monthly offers etc. The study will help the managers of shopping malls to understand the underlying sales promotion items and which sales promotion item is mostly liked by the customers of Gwalior city and help them to craft their marketing strategies. Profiling customers by their choice of sales promotion mix provide more meaningful ways to identify and understand various customer segments and marketing strategies.
Keywords: customer satisfaction, sales promotion mix, shopping malls, organized retailing.
1 Department of Marketing, Prestige Institute of Management and Research, Indore
Management of Finance with Reference to Selected Secondary School of Oromia Region, Ethiopia
Birhane Sime Geressu 1
The intent of this paper was to examine the management of secondary school finance in selected secondary schools of Oromia Region, Ethiopia. To achieve this purpose, researcher used mixed approach research paradigm. The participants of the study include: 40 department heads, 67 administrative and finance heads, and 41 parent teacher association (PTA) members. Moreover, 10 school board chairpersons and 10 Educational supervisors were selected and interviewed. Questionnaires, semi-structured interviews and document analysis were employed to solicit data from key informants in the study setting. Data were analyzed both through qualitative and quantitative analysis methods. The study result showed that personnel qualified with the knowledge and skills of financial management were inadequate. Besides, school principals were not established and sustain good relationship with relevant stakeholders. As a result the practice of managing financial resources by using the existing financial guidelines was not encouraging. Hence, the study recommends the importance of stakeholders’ participation in financial management and enhancing the competence of school leaders’ through education and continuous training is mandatory.
Keywords: Finance, financial planning, financial control, Secondary schools, principals, Financial management.
1 Asst. Professor, Adama Science & Technology University, Ethiopia
Corporate Governance in Family Owned Businesses to Compete with Global Companies – A Case of Semiconductor Industry
Kuppili Murali Krishna 1 & Dr. A R Aryasri 2
Governance process influences significantly in driving the business performance and more specifically it plays an important role in family managed organizations to compete with global companies. A case study approach is followed to write this paper for a semiconductor company named FamSemi (name changed) which provides services to semiconductor and embedded product companies. FamSemi is a privately owned organization established in India. The biggest challenge for this company during the year 2010 was to compete with global companies who provide the similar services.
The performance parameters considered to analyse this paper are business, finance, marketing & human resource areas. The data for these parameters was not very encouraging prior to implementation of proper corporate governance procedures. Recognizing these potential issues, the core team devised a few corporate governance strategies to build confidence and trust among the various stakeholders. The successful implementation of these strategies has demonstrated considerable improvements in performance parameters.
Keywords: Family Business, Global, Governance, Performance, Semiconductor.
1 Research Scholar, R&D Cell, Jawaharlal Nehru Technological University, Hyderabad (JNTUH)
2 Professor & Director, SMS, Jawaharlal Nehru Technological University, Hyderabad (JNTUH)