Research Papers of ARJBM

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Volume : 3 | Issue : 2

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A Study on Post Sanction Follow-up of Rural Credit with Special Reference to the Nationalized Banks of Tumkur, India

Dr. Lokesha. M. U
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Credit is not only the critical input in agriculture but also an effective means of overall development of rural economy. The present paper explains the follow up measures related to rural credit, particular in how the banks and other financial institutions follow up on credit after its disbursement. The study mainly focuses on analyzing the type of follow-up measures initiated by banks in relation to specific types of rural credit and examine the effectiveness of follow-up measures in terms of proper utilization and repayment of credit. The present study is an empirical work carried out at the nationalized banks of India located in Tumkur. The bank branches were selected based on purposive sampling method. The study has highlighted the rural credit pattern and the rules and regulations followed by public sector banks in disbursing rural credit. It was found that, Post sanction follow -up measures strongly influences utilization pattern of rural credit. The researcher also come out with certain suggestions to help the banks for proper recovery of the loans and would put the rural credit in right track.

Bahrain’s Technological Capability: Can it be Measurable?

Dr. Mohamed Sayed Abou El-Seoud
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The study aims to measure the technological capabilities of the Bahrain economy during the period (2005-2014), depending upon ArCo technological index. The study adopted the descriptive and analytical approaches, by reviewing the technological capability indicators that built by ArCo index, and measuring these indicators in Bahrain economy during the study period. The study found that there is improvement in technological index of Bahrain from the period (2005-2009) to the period (2010-2014) due to significant developments in technology creation indexes, technology diffusion indexes as well as human skills indexes. Accordingly Bahrain is considered as one the potential leader countries in her region. The study recommends that the process of raising the level of technological capabilities in the Bahrain economy to become one the leader countries at the end of 2030 requires reviewing and upgrading the existing Bahrain science, technology and innovation policies through rising the skills of human capital, raising the attention to the education and training in the area of development and management technology, engaging in more technological complex industries, and enhancing the incentives to attract more foreign direct investment flows to the high value added industries in Bahrain.

A Study on Liquidity Analysis of Indian Automobile Industry

Dr. M. Krishnaveni & Ms. R. Vidya
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A well-developed transportation system plays a pivotal role in the development of economy. India is no exception to it, with the unprecedented growth of the transportation system, the  utomobile industry of India is also growing at rapid speed occupying a prominent place on the “canvas” of Indian economy. The present study focuses on short term liquidity analysis of the Indian automobile industry. In financial analysis, a ratio is used as a bench mark for evaluating the financial position and performance of a company

 

Managing Multinational Human Resources in a Volatile Region: An Exploratory Study of Kurdistan Region, Iraq.

George O Tasie
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The Republic of Iraq is one of the most volatile countries in the Middle East and the world as a whole. The country is a dangerous location for managing Human Resources because of the war within and around her borders such as Iran and Syria. This war affects, to a very significant extent, the overall economy of all the regions, including Kurdistan. Businesses of all kinds including some of the few foreign ones have been starved of capable human resources due to the high degree of volatility in the country. As a result of this volatility emanating from the ceaseless war, and the terrorist group known as Islamic State of Iraq and Syria (ISIS) various multinational corporations are relocating their businesses elsewhere. In addition, there is a high turnover of human resources required to keep corporations afloat. As globalization is rapidly pro gressing with the advent of information age, MNCs need to be competitive and to make this happen requires constructive human resource policies that will focus on employees’ commitment and productivity increase. This paper will explore some of the reasons for the high turnover and proffer suggestions for ameliorating the problems. To do this, the paper emphasizes its discussions and analyses on the Kurdistan Region of Iraq. The paper will, therefore, address the issue of whether or not the success of international corporations will depend very much upon its social capital capable of development.

 

Factors Influencing Online Trading Adoption: A Study on Investors Attitude in Greater Visakhapatnam City

Dr. Krishna Mohan Vaddadi & Merugu Pratima
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In a developing country like India, little is known and understood about the emergence of online trading even though this is now beginning to represent a major share in the stock market. Online/internet based share trading is a new service here, and so consumer acceptance and usage is still limited. The present research aims to provide a foundation of facts relating to behaviour of online investors by exploring the key determinants of investor’s attitude and behaviour. A research framework was based on diffusion of innovation and decomposed theory of planned behaviour to identify factors that influence adoption process investors in online trading with reference to Visakhapatnam city. The research has the aim to develop a socio-demographic profile of online investors and examine its influence on online trading. Statistical techniques such as percentages and correlation have been used to uncover relationships among the variables. To study the dependency/independency of the factors, Chi-square test of independence of attributes was used to draw meaningful inferences. The key findings reveal factors like; age, gender, education and occupation influence investor’s intention to adopt online trading. The findings also indicate that perceived usefulness, ease of use, compatibility, trust and reliability were influencing the investors’ attitude towards adoption process in online trading.

Emotional Wellness, A Glimpse of Insight

Muscalu Bratescu Ioana Cristina
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In this study, we gather evidence to elaborate an operational definition of emotional wellness based on the qualitative examination of the answers received from 261 people, residing in and outside Asia, to a both, Internet and paper-based survey that contained three open-ended questions referring to the motivators of the behavior of spending time outside the  omeenvironment, to the existence of worries related to daily functioning and to the strategies available in facing an emotionally painful type of experience. We attributed labels through MAXQDA software; further on, we aim to extract general available conclusions

An Artificial Neural Network Approach on Improving Relative Valuation Accuracy for Bank Stocks in India

Dr. B. Charumathi and E. S. Suraj
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This paper presents and compares the framework of valuing bank stocks using relative valuation models (P/E Model, P/B Model) and artificial neural network of refined relative valuation models. The study compares the accuracy of relative valuation models and artificial neural network of the refined relative models for valuing bank stocks. Prediction accuracy measuring procedures are used to compare the performance of these models. The outcomes of predictions are discussed and outcomes of this research are taken to know the power of Artificial Neural Network. The results of empirical analysis support that artificial neural network for relative valuation model can be used as a valuation tool improving the accuracy in estimations of equity market values for bank stocks.

Customer Perceptions towards Service Quality of Life Insurance Firm – LIC of India, Tiruvannamalai

Ranganathan Venkatesan
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The aim of the study is to scrutinize customers’ service quality in the insurance industry. The intent is to assess the various dimensions affect the service quality. A modified SERVQUAL scale was used to assess service quality of perceptions and expectation from the life insurance policy holders. Data collected from LIC of India insurance firm policyholders (India), using a self-administered questionnaire. Descriptive statistical analysis, gap mean score and reliability analysis were carrying out. The study results indicate that rather high expectations of   licyholders about service quality. Thus, the results may be used as a guide for life insurance agent, employees and policymakers to improve the service quality and maintain the customer as long as.

Model to select competitive personnel in any company of service / manufacturing/ processing in the world using mathematical programming.

Iván Ayrton Márquez Rosas
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In this research paper you can see a quantitative model which will streamline decisionmaking in the selection of staff in all areas of the organization, ensuring efficiency and competitiveness, thus achieving right decisions by linear programming tools that are practical, economical and with an easy implementation. The model may be used by the human resources department in companies of any size to get candidates with the skills and competencies required by the organization in which is applied. This will reduce training time because they will have the right people with the right skills and this positively will affect to monetary savings and enable efficiencies throughout the organization.