A. Singh
Volume 5, Issue 3 , July 2015, Pages 169-188
Abstract
For banks and financial institutions, credit risk had been an essential factor that needed to be managed well. Credit risk was the possibility that a borrower of counter party would fail to meet its obligations in accordance with agreed terms. Credit risk; therefore arise from the bank’s ...
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For banks and financial institutions, credit risk had been an essential factor that needed to be managed well. Credit risk was the possibility that a borrower of counter party would fail to meet its obligations in accordance with agreed terms. Credit risk; therefore arise from the bank’s dealings with or lending to corporate, individuals, and other banks or financial institutions.
Credit risk had been the oldest and biggest risk that bank, by virtue of its very nature of business, inherited.Currently in India there were many banks in operation. From these some public sector banks are namely State Bank of India, Punjab National Bank, Oriental Bank of Commerce, Bank of India, Indian Bank, Indian Overseas Bank, Syndicate Bank, Bank of Baroda, Canara Bank, Allahabad Bank, UCO Bank, Vijaya Bank and private sector banks are Axis Bank, ICICI Bank, IndusInd Bank, ING Vysya Bank, Dhanlaxmi Bank, HDFC Bank, YES Bank, Kotak Mahindra Bank, Karnataka Bank, ABN Amro Bank, Federal Bank, Laxmi Vilas Bank were selected to examine the impact level of credit risk management towards the profitability of Indian commercial banks. To examine its impact level the researcher had used multiple regression models by taking 11 years return on asset (ROA), non performing asset (NPA) and capital adequacy ratio (CAR) from each bank. The researcher had collected data from RBI annual report since 2003 to 2013 for regression purpose.
S. VijayAnand; M. Selvaraj
Volume 5, Issue 3 , July 2015, Pages 189-206
Abstract
The position of financial organization would be increasingly decisive in the next decade in view of the frightening competition. With the increasing number of businesses and growing competitions today, each organization wants to be the customer’s first choice and try to satisfy them for getting ...
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The position of financial organization would be increasingly decisive in the next decade in view of the frightening competition. With the increasing number of businesses and growing competitions today, each organization wants to be the customer’s first choice and try to satisfy them for getting loyalty for their future endurance in the market. However, it is open to ask whether the organizations are satisfying their customers through quality in their service and this is the crucial hitch for every organization in today’s context. In view of this, the author conducted an empirical study to investigate the role of service quality in customer perception. For this purpose, they have considered India’s Post Office Savings banking sector, a primeval fiscal sector and interviewed 106 customers through a self-administered questionnaire by convenience sampling method. Empirical results acquired through application of tools like Factor analysis, Weighing score method, and Chi-Square test and it revealed that all the SERVQUAL factors are resulted with negative value, which indicated that the sector still not meet the expectation of the customers along with the minimum gap in Competence dimension and huge service quality gap in Tangibility factor. In addition, there is no significant association found between the demographic variables taken up for consideration. Standard deviation scores also showed that there is moderate deviation existing between customer perception and expectation concerning service quality.
Ch. Yin Sam; Y. Cai
Volume 5, Issue 3 , July 2015, Pages 207-214
Abstract
The paper seeks to identify Starbuck's experience in using social media, understand how social media is linked to customer knowledge management, and assess how social media services could have contributed to Starbucks success. Starbucks demonstrates versatility to engage customers and support different ...
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The paper seeks to identify Starbuck's experience in using social media, understand how social media is linked to customer knowledge management, and assess how social media services could have contributed to Starbucks success. Starbucks demonstrates versatility to engage customers and support different part of customer knowledge management strategy through various social media platforms, such as MyStarbucksIdea, Facebook, Twitter and Foursquare. The paper finds that the emergence of social media has empowered the users because they were able to comment and recommend the firm products more effectively than before. Starbucks closely follows the principle of ‘design with customers’ in defining the role of customers, allowing them to play the role of creators and evaluators of ideas. Taken together, social media has been an effective platform for Starbucks to better understand consumer needs and preferences that eventually bring forth much improvement in Starbucks’ operational performance.
P. Destiny Ugo
Volume 5, Issue 3 , July 2015, Pages 215-224
Abstract
Making an informed decision with regards to a suitable business location or site selection for organizations is becoming challenging for business decision makers globally; and even more challenging in business environment that are saddled with uncertainties. The continues raise of multiple criteria variation ...
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Making an informed decision with regards to a suitable business location or site selection for organizations is becoming challenging for business decision makers globally; and even more challenging in business environment that are saddled with uncertainties. The continues raise of multiple criteria variation of site preferences has also necessitated the application of advanced decision making techniques in handling most business operations. In the light of this, TOPSIS (Technique for Order Preference by Similarity to Ideal Solution) approach to decision making in suitable site selection was used in this study to proffer an ideal location for a residential base camp for a multinational oil company (MNOC). A decision matrix of 16 towns was developed and the criteria for selection of suitable location for residential base camp include availability of land, expansion possibilities, logistics cost, and proximity to oil and gas facilities and natural disaster (flooding). The suitable site location selection was achieved by analyzing the weighted matrix criterion and relative closeness coefficient to the positive ideal solution and the distance from the negative ideal solution. The study found that the positive ideal solution for the site location is Erema represented by code (B3), followed by Amah (B2) and Obiozimini (B12) composed of all best values attainable for the criteria used in the study. The study provided an insight into MCDM for residential base camp location selection for companies when considering suitable location for residential or any other business purposes in the OML 58, Niger Delta, Nigeria.
M. Aftab Uddin; H. Xu; M. Tahlil Azim
Volume 5, Issue 3 , July 2015, Pages 225-236
Abstract
Mobile technology is getting changed very fast in commensurate with other technological hyper changes. Buyers’ expectation from a new cellular phone is also changing over time. Producers, thereby, have to keep themselves abreast of changes in customer taste and preferences to attract, capture, ...
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Mobile technology is getting changed very fast in commensurate with other technological hyper changes. Buyers’ expectation from a new cellular phone is also changing over time. Producers, thereby, have to keep themselves abreast of changes in customer taste and preferences to attract, capture, grow, and retain both existing and potential customers. This study is set to measure factors affecting the buying decision of mobile handsets. A 21-item instrument was developed through an extensive literature survey. Both convenience and snowball sampling techniques were used to select the sample. 432 useable responses from 1375 respondents were used. Reliability, KMO, and Bartletts’ tests were run to judge their appropriateness. Through factor loading the findings reveal that seven features i.e., physical attributes, brand image, uniqueness, emotional appeal, ease of operation, social identity, and price, turn out to be the major determinants of purchase decision. Furthermore, recommendation, implication, and future directions have also been discussed.
D. Belias; A. Koustelios; A. Gkolia
Volume 5, Issue 3 , July 2015, Pages 237-248
Abstract
The aim of the present study is to investigate the relationship between Greek Banks’ leadership style and their employee’s satisfaction with their job. Leadership is considered to be an integral part of an organization’s structure, policies and strategies, and overall function. Therefore, ...
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The aim of the present study is to investigate the relationship between Greek Banks’ leadership style and their employee’s satisfaction with their job. Leadership is considered to be an integral part of an organization’s structure, policies and strategies, and overall function. Therefore, it affects employees’ everyday life, interpersonal relationships, problem-solving strategies and internal feeling of competence and effectiveness. In the frame of the current study, leadership style was measured with the Multifactor Leadership Questionnaire (M. L. Q. – 5x), a tool created by Avolio and Bass (2004). The questionnaire measures different styles of leadership: 1) Transformational, 2) Transactional 3) Passive/ Laissez-faire. For the measurement of job satisfaction, the Employee Satisfaction Inventory (E. S. I.) was used, a tool created by Koustelios (1991). It includes 24 items which measure six dimensions of job satisfaction: 1. Working conditions, 2. Salary, 3. Promotions, 4. Work itself, 5. Immediate superior and 6. The organization as a whole. The results showed that the levels of job satisfaction among Greek bank employees range from moderate to high, confirming previous findings for the Greek population. In addition, job satisfaction is correlated and can be predicted by leadership style. In particular, the transformational leadership style appeared to be the most highly and positively correlated with key aspects of job satisfaction.
M. Ahmad; H. Naseer
Volume 5, Issue 3 , July 2015, Pages 249-260
Abstract
Human Resource Management (HRM) is a noteworthy tool of all the organization. Its significance has puffed-up day by day due to heterogeneous workers and organizations, to recognize and effectively manage workforce diversity by HRM practices. The main purpose of this paper is to investigate gender discrimination ...
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Human Resource Management (HRM) is a noteworthy tool of all the organization. Its significance has puffed-up day by day due to heterogeneous workers and organizations, to recognize and effectively manage workforce diversity by HRM practices. The main purpose of this paper is to investigate gender discrimination by means of sticky floors and glass ceiling effects in the public and private sectors. The study conducted on two types of organizations in Islamabad, public and private, regardless of the nature of the work. Total sample size for this study is 30 comprising 05 public and 05 private organizations in Islamabad. A sample of male and female workers for the public and private organizations is 15 for each. The data collected through interviews, observations and analyzed using Microsoft Excel. The averages and percentages were calculated and the tables, charts and graphs were designed using the Excel spreadsheets. How women are discriminated against in the minds of the wage and qualification? This would be the main question of this paper.