005172   Sathiyan S;Panda P K (Economics Dep, Central Univ of Tamil Nadu, Thiruvarur-610 101, Email: sansat1995@gmail.com) : Financial inclusion in India: An analysis of pattern and determinants. Indian J Finance 2016, 10(4), 41-53.

The paper analyzed the pattern, progress, and determinants of financial inclusion in India during the post-reform period. Secondary data for 28 Indian states for the years from 2001 and 2011 was used. A multiple regression model was used to examine the determinants. Though India has witnessed an increase in percentage of people accessing banking services, particularly deposits in the post-reform period, a large exclusion of rural people from banking services is still a concern. The regression analysis suggested that the increase in the number of bank accounts availed by households is determined by factors such as the number of bank branches, population dependency per branch, and industry concentration in the state. Socioeconomic factors like per-capita income of the state, literacy rates, and urbanization did not emerge to be significant factors. Branch penetration has played an important role in financial inclusion in India. Effective implementation of the financial literacy programmes and leveraging existing bank branches will help in achieving greater financial inclusion. Incentive-based programs like Jan-Dhan Yojana have an important role to play in this regard.

4 illus, 8 tables, 20 ref

005171   Pranab Kumar P (Management Dep, Birla Institute of Technology, Extension Centre, Lalpur, Ranchi, Jharkhand, Email: pooja.kh86@gmail.com) : Demographic variables and its effect on emotional intelligence: A study on Indian service sector employees. Ann Neurosci 2016, 23(1), 18-24.

In past few decades, emotional intelligence (El) has gained much popularity worldwide. Intelligence quotient alone not enough in today's age for achieving success and hence for developing a person's ability, the fields of psychology and neurosciences have highlighted the importance of El, which is a person's response toward feelings and emotions. In this study, relationship of various demographic variables with El, as measured by Trait Emotional Intelligence Questionnaire-Short Form, has been highlighted. The study has been conducted on a sample of 424 employees belonging to the Indian service sector. The results showed that demographic variables have an impact over El. Organizations can take a cue from the study and adhere to diversity management practices to ensure financial gains and growth.

4 illus, 7 tables, 15 ref

005170   Ojha R;Vrat P;Sharma N (NO, The North Cap Univ, Gurgaon-122 017, Email: ravindraojha@ncuindia.edu) : Long-term implication of highway quality and length in the growth of Indian manufacturing sector: A system dynamics analysis. J scient ind Res 2016, 75(8), 466-74.

India, with five million kilometers of length, has the world's second largest road-network which is also the densest among the countries of similar size. Highways in the road-network play an important role in the development of a country's economy. However, the highways in India are capacity constrained, slow, less safe, environmentally unfriendly, not maintained or non-maintainable and patchily administered. For the nation's economic growth, the quality of roads and the length of its new-construction which facilitate the movement of tones of goods and market accessibility is a necessity. Improvement in transportation efficiency brings down the logistics cost, making the product more cost-competitive thereby encouraging economies-of-scale, which in turn provides the impetus to manufacturing growth. To understand the long-term implications of the quality of highways, the length of its new-construction and its related factors on the nation's manufacturing growth, a System Dynamics approach has been used in the paper. The eight scenarios simulated in the model are expected to provide useful insights to the road-transport planners and the policy makers of the nation.

3 illus, 1 table, 19 ref

005169   Mishra S;Bag D (NO, National Institute of Technology, Rourkela-769 008, Email: saritamishra02@gmail.com) : Compensation provisions in a venture capital-limited partner (VC-LP) contract: A theoretical framework. Indian J Finance 2016, 10(5), 50-61.

In a venture capital (VC) deal, a partnership is designed to avoid different conflicts arising due to information asymmetry and agency problem and to make appropriate provision for compensation. This study investigated different theoretical approaches that have been deployed to understand this phenomenon. This article extracted the important aspects of the compensation structure and covenants required to set in the contract between venture capitalists and their limited partner (LP) in order to meet the agreed-upon proportion of return distribution and proposed a VC compensation model. Various studies were analyzed to get evidence on various aspects of a VC deal, such as the reasons why professional VCs exist, and factors that determine the design of a contract. Private ownership, information asymmetry, and illiquidity associated with a VC investment are key explanatory factors, which make VC - LP partnership agreement different from other financial contracts. The findings of this study could be alienated into two constituents. First, the compensation that a VC receives from its LP is performance based, which varies according to the size of the fund, experience of VC, past performance of VC, and signalling function. Second, some important covenants are generally mentioned in such a contract during raising funds for investments, though these are heterogeneous in each deal their contribution in compensation allocation varies with each deal. In this study, we have proposed a compensation model for venture capitalists as a general partner by their limited partner, which is based on a principal-agent model. Also, this study focuses on contractual covenants, which are responsible for imparting flexible incentive provision and provide control over VC activity. The arrangement of VC compensation and covenants depend upon the management support and effort of VCs. This study can contribute to resolving the conflicts between venture capitalists and their investors - that arise due to the agency problem and bring to light the compensation arrangement and provision of covenants used In the contract between VCs and their LPs.

3 illus, 2 tables, 28 ref

005168   Mattack T;Saha A (D.H.S.K Commerce College, Dibrugarh, Assam-786 001, Email: a_sahadib@yahoo.co.in) : Volatility effects of listing of equity options and equity futures in national stock exchange of India. Indian J Finance 2016, 10(4), 29-40.

Ever since their introduction in various stock exchanges of the world, financial derivatives have been an interesting area of study, a major concern being their impact on the volatility of the underlying securities. Considering the phenomenal growth of the derivatives market in India together with the fact that studies around the world lack in consensus regarding the impact of futures and options on market volatility, an in-depth study of the Indian market was felt necessary. This study aimed to find out whether introduction of options and futures contracts had an effect on the volatility of the underlying equities. The results from the ARMA- GARCH models applied in the study proved that volatility of most of the underlying stocks decreased with the listing of equity options and futures.

3 tables, 14 ref

005167   Lee Y C;Lin G T R;Hsi P H;Lim S S (Office of Research and Development, National Chiao Tung Univ, Taiwan, Email: gtrl@faculty.nctu.edu.tw) : Evaluating the commercial potential of original technologies in universities. J scient ind Res 2016, 75(8), 463-5.

Since 2010, Ministry of Science and Technology (MOST) and Academia Sinica in Taiwan have formulated the Germination Program to translate important scientific discoveries into innovative developments. Using actual cases, this study aimed to propose a technology evaluation framework consisting of a hybrid fuzzy multi-criteria decision making (fuzzy MCDM) approach to evaluate and prioritize the optimal alternatives with best commercial potential. The fuzzy Delphi method was first used to determine the three dimensions and nine important decision criteria. Next, the fuzzy analytic hierarchy process (fuzzy AHP) results indicated that the top three dimensions are accordingly "technological innovation", "business development" and "operating management". The top three important criteria are "technological origins", "potential impact" and "technological competence" respectively. Finally, the fuzzy technique for order preference by similarity to ideal solution (fuzzy TOPSIS) results revealed that T2 and T4 are the two optimal alternatives with best commercial potential for further funding and commercialization. The proposed technology evaluation framework could serve as a reference to both government administrative agencies and university practitioners for the future evaluation of commercializing original technologies.

1 illus, 3 tables, 14 ref

005166   K Dash A;S Rath S (NO, IFCAI Univ Raipur, Raipur-Bhilai Road, KM Stone-20, Durg-490 042, Email: ajitkumardash2007@gmail.com) : State fiscal problems and role of central assistance: the case of North Eastern States of India. Indian J Finance 2016, 10(5), 33-49.

This paper examined the fiscal problems and rote of the central assistance in the context of fiscal management at the sub-national level, particularly with reference to special category states in India like the North Eastern states. Observing the status of fiscal autonomy, fiscal dependency, the mismatch between revenue receipts and expenditure, the study examined how the Central Plan Assistance, which has been received on the basis of gap filling approach has been used by these states for non plan revenue expenditure. The paper observed that there should be policy initiatives so that the North Eastern states are able to increase their own revenue and at the same time, the Central government should not only devolve resources ; rather, there should be a mechanism regarding how to control their non plan revenue expenditure so as to make the plan assistance available only for developmental expenditure.

14 tables, 31 ref

005165   Joshi P L;Min T H;Deshmukh A;Jaffar N B (Faculty of Management, Cyberjaya Campus, Multimedia Univ, Malaysia, Email: prem@acadjoshi.com) : Extent and determinants of intellectual capital disclosures by top listed companies in Malaysia. Indian J Finance 2016, 10(4), 7-28.

The purpose of this paper was to examine the extent of intellectual capital disclosures and the determinants of such disclosures by the Malaysian companies. A disclosure index for the intellectual capital information consisting of 20 items, using the annual reports of top 100 companies listed in Bursa Malaysia as on December 31, 2013, was developed. Multiple regression was used to test 12 hypotheses, using the data collected from the same annual reports. The results revealed that the intellectual capital disclosure level had increased as compared to the prior studies in Malaysia that suggests increased corporate awareness regarding intellectual capital disclosures, though the disclosure level was lower as compared to the other advanced countries. The results provided evidence that company size, leverage, and industry type significantly affected the intellectual capital disclosure levels. However, the intellectual capital disclosure levels did not have a significant relationship with return on total assets, board independence, audit committee independence, company age, complexity, foreign shareholding, institutional shareholding, and auditor size. The adjusted R square, an explanatory power of the model, was 52%. We also discussed the implications for the standard-setters and regulators. This study makes an incremental contribution to the literature on the intellectual capital disclosures in the Malaysian context.

9 tables, 64 ref

005164   Gupta A;Agrawal R (Centre of Excellence in Disaster Mitigation and MAnagement, IIT Roorkee, Uttarakhand-247 667) : Management issues in Kedarnath tragedy. J advd Res Alternative Energy Envir Ecol 2016, 3(3-4), 61-5.

This article aims to develop an in-depth perspective on management issues in Kedarnath tragedy that led to increase of death toll, loss of manpower and financial loss. Disasters cannot be avoided but the aftermath of disaster can be mitigated through effective disaster management by proper implementation of technology, contributing to disaster prevention and disaster preparedness in the concerned area. A massive devastation occurred in the Kedarnath town that led to the abjection of holy pilgrimage site due to combination of early rainfall, movement of southwest monsoon winds, and the excessive increase of water level in the Chorabari glacier on 15th and 16thJune 2013 due to heavy rainfall which devastated the town on 17thJune 2013 due to moraine dammed lake failure. Most of the agencies responsible for conducting research, and scholars who did research on Kedarnath tragedy, stated only scientific factors related to unusual weather condition near Kedarnath town responsible for devastation of holy town. There is abundance of technology available with government of India to make the pre-forecast for any flash food by flood forecasting stations governed by Central Water Commission (CWC), to detect the gathering of clouds in an area by Doppler Weather Radar which is capable enough to predict any cloudburst-like situation, and many more sophisticated methods to predict any disaster-like situation. The issue which arises over here is as to why India suffered to such a large extent in terms of loss of property, manpower and livestock in Kedarnath town even after it is fully equipped with flood forecasting methods and flood preparedness measures. The major issue that resulted in brutal effects of flash flood in Kedarnath was ineffective implementation of technology by inefficacious management.

1 illus, 9 ref

005163   Das S;Patnaik B C M (MAKAUT Univ, Chandannagar, Dist-Hooghly, West Bengal-712 139, Email: sulagnadas2003@yahoo.com) : Women's access to rural credit and micro finance in West Bengal. Indian J Finance 2016, 10(4), 54-65.

The paper examined the status of women in the state of West Bengal on the basis of microfinance. The paper is based on secondary data collected from published trend analysis report of NABARD from the year 2009-10 to the year 2014. The study was conducted on four types of banks, namely public sector banks, private sector banks, regional rural banks, and cooperative banks taken as the independent variable; savings amount, total loan disbursed amount, outstanding loan amount were considered as the dependent variables. An attempt was made in the present study to analyze the data related to microfinance for women in the state of West Bengal by using a statistical tool, MANOVA. The analysis of the data found out that there is significant mean variation between the three variables of the four types of banks.

6 tables, 18 ref

005162   Bhattacharjee S;Swaminathan A M (Economics Dep, Mumbai Univ, Kalina, Mumbai-400 098, Email: sbhattacharjee11@gmail.com) : Stock market integration of India with rest of the world: an empirical study. Indian J Finance 2016, 10(5), 22-32.

The present study conducted an analysis of the stock market integration of India and a few selected countries of the globe. The study used the Engle-Granger bivariate co-Integration test for the analytical purpose of ascertaining the long run equilibrium relation among the countries. The long run relationship of India with some of the selected countries across the globe was analyzed over three different phases. It was observed that cointegration of India with other stock markets was increasingly improving over the years with financial liberalization. The study found that the Indian stock market was more responsive to the other Asian stock markets during the recession phase than in any other sub-sample periods.

4 tables, 21 ref

004177   Ur Rehman A (NO, , ) : Current trends and modernization of construction industry in Pakistan. J Constr Engng Technol Mgmt 2016, 6(2), 116-29.

The construction industry is the second largest industry of the country after agriculture. However, contrary to its share in local economic market, the development in this sector is not at par with market demands. Though the use of various new technologies and deployment of project management strategies has made it possible to undertake projects of mega scale yet the industry direly needs a developmental strategy that could maintain its competitiveness in local as well as global scenario. A closer look at the current trends dictates that in its path of advancement, the industry has to overcome a number of challenges such as safety, corruption, shortage of skilled project managers, disaster resilient construction, and lack of familiarity to project management tools, unsupportive government policies, lack of commitment form top management and lack of adequate employee training. The paper gives an overview of the current trends & practices in the construction industry, identifying key factors impacting its growth towards modernization, as viewed by respondents, with the help of questionnaire-based research. Taking lead from existing databases, while remaining in realm of modern construction technologies, the paper further looks into the prospects of its modernization. The root causes of underpinning the performance of the industry have been focused, analyzed and then presented in the form of pie and other charts and concluded that the industry need to overcome various challenges of ethical issues, total quality management, project management, new equipment and techniques.

004176   Taneja G (Business Dep, DAV Univ, Jalandhar-144 012, Email: tanejagirish@gmail.com) : Case study on experimential learning for marketing students. Indian J Market 2016, 46(4), 39-48.

This study explained the need for experiential learning required in marketing curriculum and provides an example of "learning by doing" project developed for the students enrolled in professional selling, advertising, and consumer behavior courses. As a result of this project, students may have a better understanding of marketing concepts. In this project, selected students were imparted practical entrepreneurial training ; whereas, students of various marketing courses like professional selling, advertising, and consumer behavior as part of their evaluative assignment applied the theoretical concepts in the real scenario.

2 illus, 63 ref

004175   Sreelata;Narasimham N V;Gupta M K (School of Management Sturies (SOMS), IGNOU, New Delhi, Email: sreelata79@yahoo.co.in) : Segmenting consumers in food and grocery retail. Indian J Market 2016, 46(4), 24-38.

This study was conducted for identification of the factors in consumer behaviour in retail buying, to identify the elements of pricing that influenced consumers, and to identify important non-pricing factors with respect to buying of groceries and consumer goods tike staples (atta, rice, cooking oil, sugar, and so forth), personal care and toiletries (oil, shampoo, soaps), and fruits & vegetables. These items constitute a major part of the monthly grocery requirements of consumers, which is a part of food & grocery retail. The paper tried to ascertain the dimensions on which consumers can be segmented on the pricing factors. A survey of 450 households in Delhi & Faridabad found three clusters which have different characteristics. The study makes suggestions to retailers on the basis of the findings of the study.

1 illus, 8 tables, 48 ref

004174   Sharanappa P;Deshmukh J M;Sowmya T M (Subject matter Specialist, Agriculture Extension Education Centre, Lingasugur, UAS, Raichur) : Awareness of agriculture college teachers towards educational technology. Int J Sci Nat 2016, 7(2), 453-8.

The present study was conducted in Vasantrao Naik Marathwada Krishi Vidyapeeth, Parbhani, Maharashtra state. Ninety Agricultural college teachers having at least 3 years' experience in teaching to under-graduate and post-graduate students from 6 teaching campuses were selected for the study using proportionate random sampling. The data was collected personally from the respondents using standardized interview schedule developed for the study. The collected data were analyzed using appropriate statistical tools. The results of the study revealed that, majority (81.12%) of the teachers belonged to middle age group while 77.77 per cent of the teachers had doctoral degree as their educational qualification, 66.66 per cent of teachers were assistant professors and half of the teachers had 11 years and above of experience in services. Further it could be concluded that 40 per cent of the teachers have high level of knowledge on Audio-visual aids, while 38.89 per cent were belongs to less use of educational technology. Large majorities (88.88%) of teachers prepares and use fresh notes every time. As far as infrastructural facility is concerned majority (62.23%) of the teachers indicated that availability of lecture halls were highly adequate. More than half (53.33%) of teachers were not attended training related to educational technology. Majority (42.22%) of the teachers were moderately aware about educational technology. In case of awareness about different aspects of educational technology for instructional materials, majority (36.67%) of teachers were 'moderately aware'. Distribution of teachers on instructional devices was found that, majority (36.67%) of the teachers were 'less aware'.

5 ref

004173   Rashmi;Nijhawan G (Faculty of Management Studies, Univ of Delhi, North Campus, Delhi-110 007, Email: rashmiphd@fms.edu) : Consumer-to-consumer online market for used goods :A case study of OLX in India. Indian J Market 2016, 46(5), 25-38.

Online sale and purchase of second-hand products is on the rise in India. OLX is a free-to-use website for consumer-to-consumer (C2C) online auction of used goods. This study uncovered the needs and expectations of current and potential users of virtual marketplaces of used products. Consumers were studied separately for their perspectives as sellers and as buyers. Existing service performance of OLX was studied and potential hurdles in creating a free online market for secondhand goods was revealed. In-depth interviews, focus group discussions, content analysis, and question-based survey were used for this research. In addition, the paper also discussed the implications of findings for marketers.

2 illus, 11 tables, 12 ref

004172   Rasheed E K (NO, , ) : Management of the quality of performance for construction projects using of ISO 9001-2008 as criteria. J Constr Engng Technol Mgmt 2016, 6(2), 75-87.

The construction industry is one of the oldest industries known to man, has flourished since an old historical eras and has achieved advanced degrees of excellence in its products and methods of implementation for these products. That the importance of the construction industry in the daily life of the human being in the national economy of various countries, This confirms that the achievement of quality n this industry has economic repercussions lead to lower production costs through the elimination of the costs to correct defects and errors, and the cost of re-implementation of some of the work rejected, and towards user satisfaction and satisfaction with and reduced maintenance costs during the period of use, which contributes to increasing the economic life of the facilities also earns the executing party confidence in their work and increase their share of the labor market and allows her to compete and continue. In order to contribute to the acceleration of the advancement of the quality management in the implementation of construction projects, this research was conducted identifying the most important factors affecting the quality of the performance of the projects and then questionnaire forms distributed to a number of experts in the field of implementation of construction projects, to utilize their expertise about the impact of the application of the pacification standard " ISO 9001-2008 " in order to develop a system to manage the quality of implementation of construction projects. The study concludes several conclusions dependent upon as basis to present the suggestions and recommendation which appropriate to the sample of this study and similar industries, one of these main conclusions, is that there is a good agreement between the workers in different construction projects sectors on the impact of the standard specification ISO in managing the performance of these projects, with different ranking of this impact for each clause; (product realization) to be clause number one has the impact on this managing, clauses (measurement, analysis and improvement) to be clause number two, and clause (management responsibility) to be clause number three, clause (resource management) to be clause number four, finally clause (documentation requirements) to be clause number five. A management system has been proposed to help the stakeholders in managing the performance of the construction projects.

004171   Padmanabh B;Jeevananda S;Jose K G (Institute of Management, Christ Univ, Bangalore, Email: padmanabh.b@christuniversity.in) : Study on factors impeding online buying of household items in Bangalore city. Indian J Market 2016, 46(4), 7-23.

The tremendous growth of the Internet in India has fuelled the growth of e- commerce in the country. The retail business has been affected like all other businesses. This research paper attempted to study the factors responsible for impeding the online buying of household items by customers. The study was limited to Bangalore city only. The study was conducted during June 2013 and December 2014. The data was collected through questionnaires which were distributed among 500 respondents. Among these, 25 questionnaires were partially filled, and were not included as final responses; 280 completely filled questionnaires were utilized for this study. The non online respondents' profile and descriptive statistics were analyzed. Factor analysis was carried out to find the important factors involved in the non online buying decisions of customers. Some recommendations have been made on the strategies which online retailers can adopt to convert non - online buyers to online buyers of household items by addressing some of their concerns.

1 illus, 14 tables, 26 ref

004170   Nagaraju Y;Basavaraj B;Chandru K;Raghavendra N (Economics Center for Study of Social Exclusion and Inclusive Policy De, Bharathidasan Univ, Khajmali Campus, Tiruchirappalli, Tamil Nadu) : Cashew export in before and after -liberalization period in India. Int J Sci Nat 2016, 7(2), 438-43.

Cashew as a marketable commodity has a very important role to play in the liberalized Indian economy. With export earnings of Rs. 12,320 million in 1995-96, cashew ranked as one of the top agricultural export commodities. From the farmers' as well as from the exporters' point of view, the current emphasis that cashew is receiving as a horticultural crop from the research and development front, is a welcome sign. At present, India has a processing capacity of nearly seven hundred thousand metric tons and to meet the raw nut demand, the country depends partially on imports from several African, and in recent years, from south-east Asian countries. This has considerable drain on the country's foreign exchange reserves and there is an urgent need to increase local production to substitute imported raw material in order to derive the maximum benefits from a strong processing and marketing capability developed over the years by the Indian cashew industry. Despite its versatile adaptability and economic importance, as a cultivated crop, the Cashew is grown to a limited extent in selected locations in many states viz., Maharashtra, Karnataka, Andhra Pradesh, Rajasthan and Uttar Pradesh in India. The present paper highlights the production scenario, export, direction of Cashew trade etc. The secondary data were collected from different sources for this purpose. The periods 1987-88 to 1995-96 and 1996-97 to 2009-10 were considered as pre and post-WTO period. The compound growth rate and Markov Chain analysis were used to meet the objectives of the study. The quantity exported from India to different countries has increased from 1.2 million kgs in 1990-91 to 33.41 million kgs in 2009-10 with an increase in the export value from Rs. 1.62 crores to Rs. 110.88 Crores. However, still the quantity exported is less than three percent of its total production. The growth rate analysis showed that the higher growth in the Cashew export during pre-WTO period than the post-WTO period both in terms of quantity and value may be due to lower base as it was further substantiated by higher coefficient of variation during pre- WTO period. Though exports of the Cashew are currently directed all over the world, due to their origin, they are mostly consumed in the Middle and Far East as well as in Mediterranean countries and the United Kingdom. Consumption is dispersed and slow to take off, as western consumers consider it exotic and difficult to eat. This indicates there is a need to harness other potential markets too considering the quality requirements and taste changes preferred by the consumers. Markov chain analyses showed that UAE was one of the stable importers of Indian Cashew in both the periods. In the post- WTO period the probability of retention was higher for the countries grouped in the others category. That means the there is a demand for Indian Cashew in the other western countries.

7 ref

004169   Mohamed S R;Majeed R A (NO, , ) : Using analytical network process to find priorities weights of contractors pre-qualification. J Constr Engng Technol Mgmt 2016, 6(2), 88-93.

The chosen of construction contractors were one of the most important activate of owners. Without a right and fitted ways for chosen the most suitable contractors the execution of construction project will be influenced via multi-criteria decisions making (MCDM) was proposed to an applicable way for contractor choice. For finish decisions problems, the analytic network process (ANP) is large recommendation therefore; ANP lets inter-dependent affected specify in the model. researcher find the main criteria and there weights to build new program computer software models, to find the best contractors (optimum contractors) by using super decision software program. ANP is strong instrument to structured many decisions problems and deals with inter-dependent between construction project indicators. In this study, ANP decision model developed by used expert opinions from pre-qualification construction contractors. The primary findings of this study are applied to exploring the relative important of a set of construction project condition and construction method indicators on the choice of construction project ways under cost and time.

004168   Mohamed S R (NO, , ) : Maintenance management in Iraqi government buildings. J Constr Engng Technol Mgmt 2016, 6(2), 67-74.

Due to the fact that the buildings in general and government buildings in particular, is considered as a national real estate wealth of high value, and to maintain these building, must carry out maintenance work to them. And the reality of the maintenance of government buildings in Iraq is not going according to the real system of management and lack of specialized cadres to carry out the tasks required in addition to the lack of incentives for workers in this area. This study aims to survey the reality of the maintenance of government buildings through the work of field visits for this purpose, as this study also aims to identify the causative factors of bad maintenance in government buildings and arrange them according to the degree of influence by use of interview with the experts technique, and attempt to solve the problem of mismanagement using Six Sigma technique. The results of this study, after Six Sigma technique was applied is identified (13) causative factors of bad maintenance in government buildings, where the following five factors i.e. inadequate allocation of funds for maintenance, lack of preparation of maintenance programs in the buildings, the qualifications and experience of maintenance work labors, lake of maintenance plans and lack of interest in the topic of maintenance by senior management) have most important, where constitutes around 45% of the problem. Then have been reached to a set of conclusions and recommendations for the purpose of ensuring the success of maintenance management in government buildings.

004167   Lai M T;Chen S C (Business Administration Dep, Southern Taiwan Univ of Science and Technology, Tainan, Taiwan, R.O.C., Email: lai1962@stust.edu.tw) : Bivariate optimal replacement policy with cumulative repair cost limit under cumulative damage model. Sadhana 2016, 41(5), 497-505.

In this paper, a bivariate replacement policy (n, T) for a cumulative shock damage process is presented that included the concept of cumulative repair cost limit. The arrival shocks can be divided into two kinds of shocks. Each type-I shock causes a random amount of damage and these damages are additive. When the total damage exceeds a failure level, the system goes into serious failure. Type-II shock causes the system into minor failure and such a failure can be corrected by minimal repair. When a minor failure occurs, the repair cost will be evaluated and minimal repair is executed if the accumulated repair cost is less than a predetermined limit L. The system is replaced at scheduled time T, at n-th minor failure, or at serious failure. The long-term expected cost per unit time is derived using the expected costs as the optimality criterion. The minimum-cost policy is derived, and existence and uniqueness of the optimal n* and T* are proved. This bivariate optimal replacement policy (n, T) is showed to be better than the optimal T* and the optimal n* policy.

4 tables, 31 ref

004166   Kathuria K;Rana P (Business Management Dep, Dr. Y S Parmar Univ of Horticulture and Forestry, Nauni, Solan-173 230, Email: kapiluhf@yahoo.com) : Role of women in consumption behaviour : a comparison of working and non working wives in Shimla town. Indian J Market 2016, 46(3), 22-30.

Women have a significant rote in the consumption processes of a family and are an influential marketing segment. The objective of this paper was to compare the roles played by working wives (WW) and non working wives (NWW) of Shimla in consumption of different kind of products the families used. The study is based on a sample of 60 respondents of which 30 were working wives and 30 were non-working wives. The data was collected by using a structured questionnaire dealing with roles played by women in purchase of non durables, durables, and high value products. It was observed that working wives were more active in consumption related roles of high involvement products, while non-working wives were more active in consumption related roles in connection with low involvement products.

4 tables, 25 ref

004165   Gupta R;Venkaiah V;Ammani P (NO, National Institute of Construction Management and Research, NICMAR's CISC, National Academy of Construction, NAC Campus, Hyderabad-500 033, Email: rajivgupta@nicmar.ac.in) : Need based segmentation of airport passengers : the case of Rajiv Gandhi international airport, Hyderabad. Indian J Market 2016, 46(3), 7-21.

Airport privatization models have largely been successful due to reliance over non-aeronautical revenues from retail, parking, and a host of other services which an airport offers. In this context, it becomes important for airports to understand their customers and tailor their marketing efforts according to these customers' requirements. A need-based segmentation is a first step towards this effort. An empirical research study of passenger travellers of Rajiv Gandhi International Airport (RGIA), Hyderabad, India was conducted in October 2014, and data was collected about the importance of passengers' needs. A survey of RGI airport passengers returned 502 valid responses. Using SPSS 21, empirical data analysis was done through Cluster Analysis to determine the market segments of RGIA air travellers. The market segments were further analyzed using cross tabulation with the demographic data of the passengers to obtain specific profile and main characteristics of the different segments. It was revealed that most of the top-ranked needs of all the passenger segments were similar with regard to primary core needs, but varied with respect to non-core needs. This study also located the 'needs' gaps which can be effectively exploited to maximize the non-aeronautical revenues.

2 illus, 12 tables, 25 ref

004164   Gupta M (NO, Invertis Univ Bareilly, NH-24, Near Transport Nagar P O, Rajau, Bareilly-243 123, Email: manish.g@invertis.org) : Students' perception of higher education service quality : an emprical study. Indian J Market 2016, 46(3), 54-67.

This paper investigated the service quality perceptions of students towards higher education services using the three component model of service quality proposed by Rust and Oliver (1994). It also attempted to diagnose the perceived service quality across various interfaces such as services provided by the placement cell, library, computer labs, faculty/school offices, proctor office, hostel, sports and health centre of an Institution. The present study is a descriptive study, respondents were selected randomly, and data was collected through a 22-item likert-type structured questionnaire from 250 students. Data was analyzed and interpreted with the help of SPSS software. Hypotheses framed for the research work were tested with the help of t-test, chi square, F-test to measure the variance and to accept or reject the hypotheses. The research results revealed how students assessed service quality. The study also revealed that there is a significant difference in service quality perceptions across various demographic variables; furthermore, the study provided insights into the service quality dimensions that have the greatest influence on student satisfaction and student loyalty. The managements of HEIs could use the results of the research to improve the study processes and to increase the students' satisfaction and loyalty. The study presented a student-centered perceived service quality valuation and subsequent linkage of the evaluations to student loyalty.

9 tables, 37 ref

004163   Giri A;Pandey M (MBA Dep, Haldia Institute of Technology, HIT Campus, Haldia, Purba Medinipur, West Bengal-721 657, Email: arunangshugiri@gmail.com) : Relationship marketing as an effective promotional tool of yoga marketing in the Urban Indian Market :An empirical study. Indian J Market 2016, 46(5), 42-53.

Yoga practices help to maintain a healthy living of physical, mental, and spiritual faculties. Different yogic postures keep our body in a proper condition by normalizing blood pressure, cholesterol levels, and boosting the immune system. So, it is required to market yoga services by implementing proper promotional tools in the present scenario. Relationship marketing helps to establish strong social, economic, and technical ties with customers. It decreases the transaction time and related costs. It creates a mutually profitable business relationship between customers and service providers. Initiation for yoga promotion is to be supported with relationship marketing as effective promotional tool for sustainable development of the yoga market. The purpose of this study was to examine the impact of relationship marketing on customer loyalty in the yoga sector. Maintaining the customer loyalty in the yoga sector is important to attract new potential customers in urban India to fulfill customers" expectations related to their health care. Customer loyalty can be increased by adopting different significant strategies in yoga promotion through relationship marketing. Understanding of customer behaviour in the relationship-building process of a yoga organization is important to retain and attract potential customers. This study focused on the influences of different factors in the relationship-building process on customer loyalty in the context of yoga marketing in urban India. This study emphasized the marketing literature on the relationship development model for customer benefits. The findings discussed the effectiveness of relationship marketing as yoga promotional tools in the Indian urban market.

2 illus, 10 tables, 30 ref

004162   Gaikwad P G;Nagrale P P;Patil N (NO, , ) : Analysis of time and cost overruns in road project. J Constr Engng Technol Mgmt 2016, 6(2), 52-7.

Management of the risk is the best approach during construction of road project, wherein numbers of unforeseen factors are involved. The project under consideration is the construction of 30 m wide road from Wadalagaon to Takligaon under the jurisdiction of Nashik Municipal Corporation. The road construction was started especially to cater the huge crowd likely to occur during Sinhastha Kumbha Mela, which comprises of laying of water supply, storm water and drainage lines, slab culvert at the intersection point of major road crossing and flexible pavement construction. The major activities of the project are broken down into various sub-activities and risks associated with each of these activities are enlisted. Time and cost analysis of project events for feasibility, design and technology stages is carried out. Costing of the project is carried out for corrective cost, risk cost, expected cost, present risk cost and final present completion cost, which clearly shows that rise in cost of the project is 18.46%. Further duration analysis of for corrective time, risk time, expected time, present risk time and final completion time is determined. The completion time of the project is delayed by 28.56%.

004161   Dubey A;Pandey M (Management Studies Dep, Indian School of Mines, Dhanbad-826 004) : Deciphering the genetis of political behavior in organisations. Sci Cult 2016, 82(1-2), 42-5.

Existence of politics is not something new. Practitioners from different areas have done a lot of work on Politics. However, to realize the importance of Politics in Modern times one needs to understand politics and its precursors. Multi-disciplinary studies have become need of the hour. This paper tries to build a relation between Genetics, Politics and Organisational culture to unveil the affect of Human genes on his / her political behavior within Organisations.

42 ref

004160   Deepa S;Chitramani P (Avinashilingam School of Management Technology, Avinashilingam Institute for Home Science and Higher Education for Wom, Coimbatore-641 043, Email: deepa23@gmail.com) : Customer based retailer equity of apparel retail stores. Indian J Market 2016, 46(5), 7-25.

The present competitive retail environment demands the rise of the retailer as a brand and its brand equity as of importance. The research gap of mediating nature of associations and perceived quality and their role in converting the customers from the awareness stage to loyalty was the focus of this research. Customer based retailer equity is conceptualized as a multidimensional construct comprising of: retailer awareness, retailer associations, retailer perceived quality, and retailer loyalty. A questionnaire based survey was conducted among the female customers of the major apparel retail stores in Coimbatore. The empirical analysis revealed that there is a positive correlation among the four dimensions of retailer equity. The hierarchical regression analysis was carried out by meeting the four requirements of Baron and Kenny (1986) for the mediator variables. Retailer association and retailer perceived quality were found to be acting as mediators between retailer awareness and retailer loyalty relationship, as the effect of retailer awareness was found to be remarkably lower and became non significant in the final model. This research paper highlighted three important theoretical contributions to retailer equity. First, the paper empirically tested the retailer equity model in the Indian retail context. Second, it explained the interrelationships among the four dimensions of retailer equity. Third, the paper attempted to fill in the gap of retailer equity research by demonstrating the existence of potential causal order of relationships among retailer equity dimensions as in the brand equity literature. The conceptual and practical outcome of the empirical results is that the four dimensions can be bundled together as marketing strategies. Strong retail brand awareness will help the retailers to attract customers Into the store for the first time. However, a customer is converted into a loyal customer based upon the strength of favorable associations created by the retailers and by meeting the customers' quality expectations.

2 illus, 6 tables, 101 ref

004159   Chaudhry B;Verma P K (School of Management, OPJS Univ, Churu, Rajasthan) : Technological innovation capabilities. Int J latest Technol Engng Mgmt appl Sci 2016, 5(4), 95-101.

Innovation's importance has continuously increased and aligns with global business growth, these days every organization focuses on how they will enhance their technological innovation capability. Today challenges are: speedy development of digital world and automation in every filed. The emergence of the intense global competition, considerable technological and knowledge economy and human resources advance have seen innovation become increasingly central to compete. Innovation is the mechanism by which organizations produce the new processes,products and systems required for adapting to changing technologies,markets and modes of competition.Numerous studies have been done in the literature in this context but still there is gap in literature about how any real estate firm can increase their capabilities related to technological innovation. The main objective of this study is do a proper literature review on technological innovation capability evaluation factors and do citation of each factors. To do critical review, the studied 1998 to 2016 have been reviewed.

^iia1 table, 75 ref

004158   Chandrasekar K S;Raghunathan C (Director, School of Business Management and Legal Studies, Kerala Univ, Trivandrum) : Critical evaluation of organisational climate practices among Indian enterprises. Int J latest Technol Engng Mgmt appl Sci 2016, 5(4), 38-41.

Indian enterprises are primarily individual owned and subsequently state owned organizations. These organizations over the years have created an organizational culture and climate that is the back bone of the same. This climate in turn reflects the job performance of the employee. It was seen that those who could adjust and work along were able to perform well and those who could not had to leave the organization. There are many private organizations in India where the attrition rate is very low which clearly indicate the organizational climate. In this context, this paper looks into the existing practices in organizations in India and dwells into the earlier practices and a critical evaluation is arrived at. The study was conducted among 400 employees in both public and private sector and the results are provided in this article.

12 ref

004157   Bashir M;Yousaf A;Verma R (Scholl of Business, Lovely Professional Univ, Phagwara, Punjab-144 411, Email: makhmor786@gmail.com) : Disruptive business model innovation : how a tech firm is changing the traditional taxi service industry. Indian J Market 2016, 46(4), 49-59.

Speaking at the IOD Annual Convention 2014 in London, Travis Kalanick, CEO of Uber made a bold statement that "Uber is not a taxi service provider." This statement, took everybody by surprise as Uber has become one of the biggest taxi service providers, having global presence in more than 55 countries and 200 plus cities worldwide. Uber has emerged as a biggest start-up in corporate America since the last 5 years, and is expected to overtake some of the biggest companies in United States in a couple of years down the line. The company was expected to touch $10 billion in revenues by the end of 2015, while a company like Facebook, after completing 10 years of its operations for the first time, is expected to earn $10billion in revenues this year. The case highlighted how Uber has transformed a traditional capital intensive industry into a high-tech business. The company relies on an independent pool of contractors (cab owners/drivers) who register themselves on Uber's website and for every ride, 80% of the payment goes to the driver, and Uber takes the rest 20%. The case further illustrated the various challenges which the company is facing in its global expansion, particularly in countries like Spain and India, and questioned the validity of surge pricing.

3 illus, 1 table, 17 ref

004156   Amresh Kumar;Gupta S L;Kishor N (Research Development Center, Asia Pacific Institute of Management, New Delhi, Email: amresh.kumar@asiapacific.edu) : Antecedents of customer loyalty: attitudinal and behavioral persoectives based on oliver's loyalty model. Indian J Market 2016, 46(3), 31-53.

Customer loyalty is picking up significant enthusiasm from scholastics and business experts on the grounds that both are intrigued by knowing the main thrusts that enhance an organization's competitiveness. Regardless of the imperativeness of customer loyalty, there is still an absence of exhaustive work to investigate how a customer develops loyalty to a specific retailing outlet. The primary objective of this paper was to investigate the antecedents of customer loyalty from both attitudinal and behavioral points of view based on Oliver's Loyalty model. The study setting is on retail-shopping in India, which concentrates on the departmental stores. The information was gathered from selected departmental stores within the National Capital Region (NCR), India. The instrument utilized as a part of the study was a self- administered survey. With respect to the factual examination, structural equation modeling was used to test the theory/hypothesis. The study unveiled that the antecedents of cognitive loyalty are the components of store image. They are : store atmosphere, facilities, merchandise, service quality, and transparency in transaction. There are three strategic tools that rule the attitudinal perspective, in particular, store picture, customer satisfaction, and loyalty program. The study concluded that the Indian departmental stores' customer loyalty level is evolving in stages. Hence, the establishment of attitude-behavior relationship has a great meaning to the retailers due to its predictive power, particularly in marketing strategy formulation. In the Indian context, this is the first time customer loyalty has been studied from the perspective of Oliver's four stage loyalty model.

4 illus, 6 tables, 84 ref

004155   Agarwal S;Ankur Kumar;Pragya (PGDM, G L Bajaj Institute of Management and Research, Greater Noida, Uttar Pradesh) : Social Media: changing the way businesses interact and engage customers. Int J latest Technol Engng Mgmt appl Sci 2016, 5(4), 53-60.

The social media has changed the way individuals communicate and how the world conducts business. Facebook, Twitter, YouTube, Instagram, LinkedIn and many other such platforms have emerged as megaphones. And all these are complimenting and amplifying the performance of other elements of communication mix used by companies. Social media now has become an integral part of integrated communication mix. The appearance of Social Media has gotten amazement, experimentation and customary promoting correspondence. New patterns influenced correspondence as of late, changing the essential angles and demeanors of firms and customers. Numerous organizations trust that their presence on online networking stages is the key fixing to an effective method for action in the web. Be that as it may, these new inclinations involve nearsightedness in procedure for organizations that don't incorporate these devices. From another outlook, it grants of the expansion of promoting correspondence opportunities both in a business-to-business (B2B) and a business-to-customer (B2C) angle. Online networking bolsters firms to reexamine the conventional restricted correspondence stream of their advertising messages. Hence, business performing artists need to consolidate another, intelligent correspondence stream into their promoting system. In such a domain, clients can make, adjust, share and examine a huge piece of substance on the web. In our exploration, our point is to upgrade the importance of online networking marvel as a device, which can affect an organization's execution, deals and notoriety level also. Additionally the organizations are utilizing online networking as a vital device to availability to their customer. Be it HUL,P&G, ITC or some other company, all have embraced social networking advertising as their correspondence blend system. The present paper is an attempt to understand the role of social media in communicating with the target customers through various interactive and engagement strategies used by companies. This paper is an effort to put forth implementation, execution and outcomes generated of some social media marketing strategies used by various brands in different product categories.

23 ref

003114   Tanweer Ahmed M;Narayana Swamy B K;Pasha M (Agricultural Extension Dep, UAS, GKVK, Bangalore-560 065) : Job performance of farm facilitators under Bhoochetana programme of KSDA in Chickballapur district of Karnataka. Int J Sci Nat 2016, 7(1), 173-6.

The present study was carried out in Chickballapur district of Karnataka state covering six taluks viz., Bagepalli, Chickballapur, Chintamani, Gudibande Gowribidanur and Siddlaghatta during 2014-15 to assess the job performance of farm facilitators under Bhoochetana Programme. Research design used for the study was ex-post-facto technique. A total number of 90 farm facilitators were interviewed for the purpose. The results revealed that about 41.00 per cent of farm facilitators belonged to better job performance category followed by 31.00 per cent and 28.00 per cent of farm facilitators belonged to average and poor job performance category, respectively. Among the different facilitation roles, the facilitation role that was better performed by farm facilitators was role in farmers field school, while the poorly performed facilitation role was Role in water, soil and nutrient management. The five items that were performed better by most of the farm facilitators are (i) To provide information about improved varieties, seed treatment, composting etc, (ii) Arranging the field days and field visits under the guidance of Karnataka State Department of Agriculture (KSDA)/ ICRISAT scientists, (iii) To conduct discussion with selected members in each meetings, (iv) Provide information based on package of practice to the farmers through literature, (v) Identification and selection of farmer leader. The five poorly performed items by the farm facilitators happened to be (i) To provide information on Integrated Nutrient Management (INM), (ii) To send reports of soil testing to claim financial assistance from Raita Samparka Kendra (RSK), (iii) To provide information on water conservation practices, (iv) Collecting the information about irrigation sources, (v) Recording the problems encountered in identified village and collecting the information about fertility of land.

7 ref

003113   Akash M;Nagori B P (NO, Lachoo Memorial College of Science & Technology, Jodhpur, Rajasthan, Jaipur) : Job satisfaction level and intention to quit among sales personnel: A comparative study of Indina and multinational pharmaceutical organizations. Int J Res Pharm Chem 2016, 6(1), 82-8.

Sales personnel play an important role in sales and revenue generation of organizations and in building relationships with the customers. His job involves meeting sales targets, deadlines, searching for and retaining contacts which may be strenuous and affect job satisfaction. In pharmaceutical organizations sales personnel are the key person to achieve the targets. Job dissatisfaction can make an intention to quit in their mind and it may cause turnover. This study attempts to job satisfaction level of sales personnelof different pharmaceutical companies. It focuses on the relative importance of job satisfaction factors and their impacts on the overall job satisfaction of Sales Personnel. It also investigates Intentions of the pharmaceutical sales people to quit the organization. Survey method was used in the collection of data. 300Sales personnel of Indian pharmaceutical and multinational pharmaceutical organizations were used for this study.

11 tables, 9 ref

002087   Singh S;Bawa J;Sharma G D (NO, Chandigarh Univ, Research Scholar at Punjab Technical Univ, Email: singh.sanjeet2008@gmail.com) : Case study on corporate social responsibility in NESTLE, TATA, ITC. J Advd Res HR Orgn Mgmt 2016, 3(3-4), 1-16.

Since the times of the barter system to present era of plastic money, the mankind has stridden out long path. There is no doubt in this that "profitability" has always been the primary force and main motivation behind all this development. This motive actually increased cut throat competition between the business forms. Because of this competition, the companies stated exploiting the quality of product as well as the environmental concern. Slowly and gradually the business houses realized that they have to give back to the society because they are surviving because of the society only. This realization gives the birth to the concept of Corporate Social Responsibility. However, the companies started using this concept for brand building more than delivering it as a responsibility. The studies also revealed that the companies used the corporate social responsibility for enhancing their profit as well. This present study attempts to investigate about the core concept of corporate social responsibility (CSR), and finding out its scope taking the case study of the TATA Group, ITC and NESTLE.

2 illus, 1 table, 7 ref

002086   Sarwar S;Anjum A;Um-E-Rubab;Zafar S (NO, Capital Univ of Science and Technology, Islamabad, Email: salmanpeace@gmail.com) : Impact of training and development on employee creativity through knowledge sharing moderating role of openness to experience. J Advd Res HR Orgn Mgmt 2016, 3(3-4), 33-45.

This article's main objective was to investigate whether training and development has impact on employees' creativity with mediating role of knowledge sharing and moderating role of openness to experience. This article is quantitative in nature. Data for the article have been collected through primary source that is from questionnaire surveys. The data have been checked through statistical software to find the impact of training and development on employees' creativity. There were four variables: Training and Development (Independent), Employees' Creativity (Dependent), Knowledge Sharing (Mediator), and Openness to Experience (Moderator). Public and private sectors of Pakistan were selected for the study. 150 questionnaires were distributed for collection of data. Descriptive statistic tools SPSS were applied on the questionnaire to see the reliability and consistency. The goal was to see whether training and development has an impact on employees' creativity. Data were analyzed and discussed.

1 illus, 4 tables, 46 ref

002085   Sarwar S (NO, Capital Univ of Science and Technology, Islamabad, Email: salmanpeace@gmail.com) : Attitude toward women managers in public sector of Pakistan: its impact on their career progression and quality of life. Moderating role of masculinity and feminity. J Advd Res HR Orgn Mgmt 2016, 3(3-4), 17-27.

This article examines attitude toward women managers; more specifically, this article tries to identify the impact of attitude and different stereotypes on women's career progression and quality of life with moderating role of masculinity/femininity. To address the purpose, data was collected from 80 female managers from public sector organizations. Then data was analyzed by using correlation and regression analysis. The analysis indicates that there was significant positive relationship between attitude toward women managers and masculinity/femininity. Second, masculinity/femininity moderates the relationship between ATWM and career progression in such a way that high masculinity/femininity will weaken the relationship. Implications of results and limitations are also discussed in the article.

1 illus, 3 tables, 18 ref

002084   Kumar R R (Communication (KSK Energy Ventures Ltd)., Jubilee Hills, Hyderabad-500 033, Email: ravi196@gmail.com) : Satisfaction with the public relations job itself. J Advd Res HR Orgn Mgmt 2016, 3(3-4), 58-64.

7 tables

002083   Kapoor S;Jain T K (NO, Malviya College for Girls, Jaipur, Email: sk@gmail.com) : Organizational behavior. J Advd Res HR Orgn Mgmt 2016, 3(3-4), 53-7.

47 ref

002082   Goswamiu M;Pandey A;Nand S (Fertiliser association of India, FAI House, 10 Shaheed Jit Singh Marg, New Delhi-110 067, Email: tech@faidelhi.org) : Safety perfomance of Indian fertiliser plant. Indian J Fertil 2016, 12(3), 18-24.

Operation under severe conditions of pressure and temperature, handling of large quantities of hazardous chemicals including raw materials and finishfd products and deployment of large manpower make fertiliser plants prone to accidents. Therefore, safety of plant personnel and capital assets is of paramount importance for the management. In spite of best efforts, there are always incidents causing injuries to the plant personnel. It is, therefore, important to identify the areas and analyse causes of accidents so that plant management can take corrective action. With this objective, Fertiliser Association of India (FAI) has been evaluating safety performance of fertiliser plants since 1980s. This paper presents the findings of the survey for the period 2010-2015 for 32 fertiliser plants which include ammonia, urea, acids and complex fertiliser plants. Safety indices such as incidence rate or loss time injury rate (LTIR) and severity rate have been calculated. Fatal accident frequency rate and reasons for fatal accidents have been analysed. Accidents with multiple injuries and high severity have been identified and discussed.

2 illus, 9 tables, 3 ref

002081   Dixit R;Jain T K (ISBM, Gyan Vihar Univ, Jaipur-302 025, Email: mrsritu_dixit@yahoo.com) : HR's role in mergers & acquisitions. J Advd Res HR Orgn Mgmt 2016, 3(3-4), 28-32.

10 ref

001048   Menon S;Melnick V L (NO, , ) : How to be a successful entrepreneur. J Modern Chem chem Technol 2016, 7(1), 99-103.

The term entrepreneur appears to have been introduced by Richard Cantillon, an Irish economist of French descent, in early 1700. According to Cantillon's original formulation, the entrepreneur is a specialist in taking on risk. He insures workers by buying their products (or their labor services) for resale before consumers have indicated how much they are willing to pay for them. Entrepreneurship thus calls for a gut feel for things, a gut feel for the future.

001047   Gill S (School of Social Sciences, Indira Gandhi National Open Univ, Maidan Garhi, New Delhi-110 068, Email: ansu.gill@gmail.com) : Sufficiency of credit and rapayment behaviour of farmers-a case study of co-operative bank, Hisar, Haryana. Ann Agri Bio Res 2016, 21(1), 97-100.

In underdeveloped economy like India where resources are scarce with farmers, credit plays an inevitable role. Credit is provided by both institutional and non-institutional sources. Among institutional sources, Co-operative banks are playing pivotal role in fulfilling the credit needs of the poor farmers. Among other problems viz., timely availability of credit, illiteracy of farmers, and insufficiency of loan amount is a big hurdle in non-repayment of loan timely. The present paper has reflected the problem and it has been found out that there is a positive relationship between sufficiency of credit amount and timely repayment of loan by the borrowers. It has also been revealed that large farmers are able to avail more loan than small and medium farmers.

3 illus, 6 tables, 15 ref

001046   Ahmed J;Singh V (Central Library, Banasthali Univ, Rajasthan, Email: ajamil@banasthali.in) : A tutor : a learning management system (LMS). Indian J Inf Libr Soc 2015, 28(3-4), 261-8.

This article discusses the publication pattern of the most pretigious Indian Journal of Information, Library and Society from 2007-2014. This article includes feature wise analysis of the journal. The study on authours emphasizes the worthy encouragement given to new authors with systematic analysis, Overall it indicates an organized team work in keeping the National Journal in the fore front of Indian Journals with dynamic stewardship for the past 27 years.

5 illus, 9 ref

000025   Vincent T N (Commerce Dep, Christ Univ, <35>29, Hosur Road, Bangalore-560 029, Email: nithila.vincent@christuniversity.in) : Apparel shopping styles of young adult consumers in Bangalore. Indian J Market 2016, 46(2), 50-60.

Apparels are one of the most frequently purchased product categories where young adults have the authority to make independent buying decisions, and they also become trendsetters and opinion leaders. Understanding this large segment appropriately is crucial for apparel manufacturers and marketers as they promise longevity of market and exert substantial influence on their parents, peers, as well as their own spending. The present study segmented young adult consumers based on their shopping styles towards purchase of apparels and explored the differences in the shopping styles across demographics such as gender, educational levels, and regional background. The respondents for the study were young adults who belonged to the age group of 18 - 25 years residing in Bangalore, India. The variables under study were eight shopping styles adapted from Sproles and Kendall Consumer Style Inventory- CSI (1986). The study revealed that all the eight shopping styles of the CSI were manifested among young adults in Bangalore; however, the predominant shopping style was the Perfectionist/ High Quality Conscious shopping style. Furthermore, significant differences in the shopping styles of young adults across gender, educational levels, and regional background were found.

7 tables, 13 ref

000024   Srivastav G;Mittal A (NO, Birla Institute of Technology, Mesra (Noida Campus), A-7, Sector 1, Noida-201 301, Email: srivgarima@gmail.com) : Impact of internet banking on customer statisfaction in private and public sector banks. Indian J Market 2016, 46(2), 36-49.

This is an exploratory research paper which discussed the impact of various Internet banking (IB) services on the overall satisfaction levels of the banking customers. With the help of forward stepwise regression, we explained how various variables both negatively and positively influenced customers' satisfaction with Internet banking. Data were collected from 500 respondents (250 from private sector banks and 250 from public sector banks) in India (Delhi-NCR), constituting a 65% response rate. The application of this analysis revealed that customers wanted the private sector banks to improve upon the features like quality of service, frequency of reminder given for password change, safety, privacy of ID and password, and proper entering of the details in the bank registers. In case of the public sector banks, customers had different sets of concerns - like they were much worried about the lack of development in rules and regulation of E- banking as welt as the poor regulatory framework in Internet banking. However, security issues aroused a common concern from the customers in case of both sectors of banks. The results also showed that the customers were ready to adopt Internet banking provided they were given necessary guidelines and constant built up of trust.

2 illus, 6 tables, 29 ref

000023   Singh R;Pundir R S (Agribusiness Economics and Policy Dep, International Agribusiness Mana, Anand Agricultural Univ, Anand-388 110, Email: ritambhara.singh@gmail.com ) : Comparative study of milk producer companies vis-a-vis traditional milk cooperatives in Saurashtra region of Gujarat. Indian J Market 2016, 46(1), 24-34.

In a sector like dairy, that too in Gujarat, where a dairy cooperative giant, Gujarat Cooperative Milk Marketing Federation exists, the presence of the very first milk Producer Company, that is, Maahi Milk Producer Company Limited, has not gone unnoticed. This case study attempted to find if a milk producer company can be an alternative to traditional milk cooperatives or if both of them can coexist? The study focused on exploring the structural and operative differences between two institutions, assessing their profitability, and identifying the constraints facing their development. The study will be useful to the management of both institutions. The study revealed that milk producer companies could be an available alternative to milk cooperatives. However, the presence of both in the study area brought more milk to the organized sector, reducing the exploitation of milk producers by private dairies and milk vendors in terms of prices, milk weighing, and timely payment. There is a win-win situation for the farmers, which can further be strengthened by strong coordination between two institutions. However, it seems quite difficult as both organizations operate in the same region, and therefore, business competition cannot be ruled out. The milk producer company, unlike a cooperative, makes payment through a bank account, which has created a strong perception of its transparent operations in the minds of milk producers. The same needs to be practiced by dairy cooperatives too. It was observed that traditional milk cooperatives paid slightly higher procurement price, but appeared not to attract milk producers.

4 tables, 14 ref

000022   Shveyova E I (Naberezhnye Chelny Institute, Kazan Federal Univ, Naberezhnye Chelny, 423 800) : Classification of factors affecting the labor maintenance personnel in mass production. Biosci Biotechnol Res Asia 2016, 13(1), 501-3.

Factors influencing on a repair personnel payment in mass production of a machine-building complex, promoting increase of a manpower motivational component to effective work and gaining high achievements in their activity are considered.

1 table, 7 ref