International Journals of Multidisciplinary Research
Academy (IJMRA)

Abstract:
This paper examines management of asset-liability in banking sector. The main objective of the study is to present the optimal mix of asset and liability of Scheduled Commercial Banks in India. The paper mainly discusses on the SBI Group, Nationalised Banks Group and Private Banks Group selected as the parameter. The increase in the profitability of a bank is always preceded by the composition of assets and liability. Hence, the following ratios are calculated to identify the optimal mix of asset and liabilities in relation to profitability, ratio analysis was used on the sample of 56 banks comprising SBI and its Associate Banks 8, Nationalized Banks group 19 and Private Banks group 29 for the ten years period.
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Abstract:
Since the end of the war in May 2009 the Central Bank has approved new bank 45 branches to be setup in the Northern peninsula. Already 11 banks have commenced operations. Hence it is clear that a bank operation in the war affected area is booming. It is worthwhile to compare this operation by looking at the perspective of private bank and state bank. The purpose of this study was to find out how customer relationship marketing (CRM) can be sued as a strategy to compete in the market.
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Abstract:
New product development and evaluation is a part of the modern marketplace, and the need for independent third-party evaluations of new products is already established. This study examines how these types of evaluators view the similarities and differences between goods at three levels of product development: invention, innovation and commercialization. Using an instrument created by Udell, O'Neill, and Baker (1977), the authors find that 28 of 39 criteria are able to correctly classify almost 95 percent of the study's cases and that these criteria can be grouped into seven factors describing both the potential downside of product acceptance and the skills needed to establish a product on the market.
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Abstract:
The kid market is a burgeoning market worldwide. A similar situation exists in India where the kid market is estimated at Rs.5000 crores/ $110 million. The sheer size of the market reveals how strategically important this market is for the advertisers and the marketers. Having realized the long term implications of addressing this market, the marketers have devised marketing and advertising strategies specifically aimed at this target audience.
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Abstract:
Consumer's preference involves a complicated series of stimulus and response reactions to many factors or motives. These motives may be expressed or unexpressed and are based upon deep seated needs or more openly felt wants. The number of decisions involved in a particular buying project varies with the type of buying situation. The buying preference will have to determine. 1)Product specifications 2) Price limits 3) delivery terms and times 4) Service times 5) Payment terms 6) Order quantities 7) Acceptable supplier and 8) the selected supplier.
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Abstract:
The focus of this study is to identify the determinants of corporate liquidity for a sample of 100 firms in the Indian market. The study uses panel data pertaining to two sectors viz., textile and chemical sector undertakings over the period 1999-2008 and employs the backward stepwise regression and correlation. The results indicate that the variables like cash flow, debt ratio, and free cash flow are significant determinants of corporate liquidity for all the sectors under consideration. In addition it has been observed that Size of firm has no impact on liquidity.
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Abstract:
Global business consists of transactions that are devised and carried out across national borders to satisfy the objectives of individuals, companies, and organizations. These transactions take on various forms, which are often interrelated. Primary types of international business are importexport trade and foreign direct investment (FDI). The latter is carried out in varied forms, including wholly owned subsidiaries and joint ventures. Additional types of international business are licensing, franchising, and management contracts.
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Abstract:
The amalgamation of science and fashion lead to the emergence of "Nanobiogarments". As the market is at its recession, the growth of apparel industry is burgeoning year by year. The market of India is also affected by the overall growth rate of the apparel industry of the world and has been grown from 2008 to 2009 by 68.8%. This creates an opportunity for various companies to enter the Indian market with their innovative products in clothing and Nanobiogarments are such products.
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Abstract:
The word "success" is liked by all; no wonder it means a favorable termination of endeavors. In construction industry too, it holds high place; where any project either big or small is started with hopes for success; which has been achieved but also failed many a times. Selection of right procurement strategy is vital in construction industry as it highly determines the end result of the project, whether it would be declared a success or a failure. Right selection of procurement is a combined effort of client's clear brief and the delivery from the consultants and contractors.
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Abstract:
Colours play a vital role in almost our everyday lives and contribute significantly in influencing our buying decisions. Considering their extreme relevance, present study has been taken up to understand the influence of colours in moulding our buying preferences. The paper shall briefly discuss the scientific, cultural and psychological aspects of colours. It shall also examine the association of colours with the gender, income group and zodiac sign of an individual and his buying preferences. Paper shall finally conclude with the recommendations on utilization of colours in the Branding and promotional strategies of the marketers. Study is based on both primary and secondary collection of information.
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Abstract:
The main objective of this paper is to study the production relations on farms of different sizes. It is normally assumed that favorable production relations in crop production, if provided will definitely increase the value of output. To mention, the production factors - land use, labor use, and other intermediary/material inputs, such as, improved seeds, fertilizers, machinery, implements, water supply, etc, associated with new technology operate in combination across different farm size groups (the principal productive unit) in increasing the productivity.
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Abstract:
Retailing is essentially an art which depends upon the ability of a retailer to handle customers. This ability in turn depends upon another ability of the retailer and that is to identify the differences among the various types of customers that visit their store. This research paper is based on the various strategies applied by the retailers/ retail sales personnel to handle various types of customers so that they are able to provide them, customer delight and hence a memorable shopping experience.
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Abstract:
This research identifies strategic objectives based on the goals of the Keltron organization and develops measurement tools and targets for achieving those desired outcomes. Today, we live in a technology-driven world where speed, flexibility, intellectual capital development, and networks have become the basis of value creation even as connectivity and interactive technologies pervade all business activity. In this technology-driven environment, Keltron finds the assimilation, adoption and integration of technology in creating innovative solutions as the very basis of survival.
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Abstract:
Mutual Funds industry has grown up by leaps & bounds, particularly during the last 2 decades of the 20th century. Proper assessment of fund performance would facilitate the peer comparison among investment managers, help average investors successfully identify skilled managers. Further the growing competition in the market forces the fund managers to work hard to satisfy investors & management. Therefore regular performance evaluation of mutual funds is essential for investors and fund managers also. The present study is confined to evaluate the performance of mutual funds on the basis of yearly returns compared with Bse Indices.
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Abstract:
Mobile banking is still at infancy stage in the world. Many studies focused on usage of mobile banking but many factors on non-usage were overlooked. This research was carried out to validate the conceptual model of mobile banking. The causes were identified and researched through correcting the causative factors so that mobile banking can be used by more people. This will help the banking operations to be more cost effective. The research is focused on what are the customer's perceptions about mobile banking offered by Indian Overseas Bank and what are the drivers that drive consumers. How consumers have accepted mobile banking and how to improve the usage rate were the focus of research area in this study.
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Abstract:
The banking sector, at present, is witnessing a substantial growth and many drastic changes. Globalization and deregulations have increased competition in the market place, as nowadays it has become much easier for banks to cross borders and compete internationally. In today's competitive business environment, customers are making their buying decisions not just on the basis of relationships they have with the bank. In fact, ensuring customer satisfaction is the key to success and banks are actively engaged in studying and exploring the conceptual foundations of managing relationships with the customers.
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Abstract:
Spirituality, in general, has recently become an important subject of research in social and business areas. This has added a new dimension to the tourism industry, called 'spiritual tourism'. Consequently, there has been an increase in the awareness and research interest in the thematic field of spiritual tourism. Tourism is an age old activity associated with civilized nations. Thus, tourism literature too has a long history. However, there are few areas in tourism which have come to the domain of scientific investigation only recently.
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Abstract:
Today, many companies are trying to practice green marketing while consumers are motivating to change their consumption patterns in order to reduce environmental harm. Research indicates that the environment has had an explicit impact on consumer behaviour according to their environmental awareness, knowledge and beliefs have become effective contributor to identify target markets and motivate consumers to engage in green purchasing behaviour.
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