IOSR-JBM   8th International Business Research Conference

Abstract: The purpose of the study is to be able to realise the marketing implications of selling diamond jewellery to different womens age groups through organised retail formats. The design/ methodology: A descriptive research design has been followed. A survey of different age groups of women was conducted with the help of a structured questionnaire. Personal interviews were also conducted with some of the respondents.

[1] Ahmad Jamal, & Goode Mark. Consumers‟ Product Evaluation: A study of the primary evaluative criteria in the precious jewellery market in the UK. Journal of Consumer Behaviour, Vol. 1/2, 140-155
[2] Corti Dr Christopher W. Assaying of gold jewellery- Choice of Technique, World Gold Council, London, England
[3] Evans Joan. A History of Jewellery 1100-1870.Faber & Faber
[4] Nutthawutthisit Theeranart. (2003) The comparisons of appearance management, body Satisfaction and buying behaviors between Asian national and Asian American female student. Research paper. The Graduate School University of Wisconsin-Stout.

Abstract: After Lord Krishna ‗clarified' everything to Arjuna through 18 chapters, Arjuna was confused by the contradictions. Krishna's final advice was, ―Reflect on all that I have said and do whatever is best.‖ In other words, the lord suggested the decedent to use intuition!. While making the suggestion the preacher did not specified the type of decision where the decedent could apply Intuitive decision making. The word ‗intuition' stems from the Latin word, in-tuir, which means ‗looking, regarding or knowing from within'. Intuition is instinctive and unconscious knowing without deduction or reasoning.

[1] The study only focused on the Intuitive decision making compared with logical decision making, other decision making styles were not covered.
[2] The respondents residing in the NCR region were studied, the study could be conducted in other regions also.
[3] References:
[4] Agor Western H., (1989), ―Intuition in organizations', leading and managing productively, Edited version, ISBN-13: 978-0-8039-3562-4, ISBN: 0-8039-3562-5 [5] Breeden, D. T. (1979). An intertemporal asset pricing model with stochastic consumption and investment opportunities. Journal of financial Economics,7(3), 265-296.

Abstract: - The research aims to study the difficulties and problems experienced by the Indian retail investors while investing in secondary equity market. The problems and difficulties are important to understand as more the difficulties; the investor will gain a negative perception of the market. The study is descriptive in nature and followed the survey analysis through questionnaire. Using SPSS, ANOVA analysis was conducted to identify whether the investor perception about the difficulties encountered differ with the exposure to the market. The study tries to differentiate the nature and extent of the difficulty or problems faced by the Indian retail investor. Investors were segregated on the basis of their investing activity actual or ptotential. The paper observed that to the extent of investing process difficulties sophistication plays no role but when the actual market conditions are compared, sophistication do play the role. JEL classification: D80

Keywords: Difficulties investing, Attitude, Behavioral Finance, Equity Market

[1] Anonymous (2012), "Why retail investors seldom succeed in stocks?", equitymaster.com, Dec. 27, 2012
[2] Brown Donalee, Brown Zane E. (2008), "The Relationship Between Investor Attachment Style and Financial Advisor Loyalty" The Journal Of Behavioral Finance, 2008, 9: 232–239
[3] Bruce Brian (2002), "Stock Analysts: Experts on Whose Behalf?", The Journal of Psychology and Financial Markets, 2002, Vol. 3, No. 4, 198–201
[4] Dreman David(2002), "Analysts' Conflicts-Of-Interest: Some Behavioral Aspects", The Journal of Psychology and Financial Markets 2002, Vol. 3, No. 3, 138–140
[5] Garcia-Retamero, Rocio Galesic, Mirta (2013), "Does young adults' preferred role in decision making about health, money, and career depend on their advisors' leadership skills?", International Journal of Psychology. Aug2013, Vol. 48 Issue 4, p492-501

Abstract: As the informal sector has experienced rapid growth in developing countries and also developed countries, it has consequently attracted the increasing attention and there has been a growing body of literature focusing on its different aspects. However the study of Promotional Strategies adopted by the Street Vending Business has received little attention in the informal sector literature. The aim of the study is to identify the various Promotional Strategies adopted by the Apparel Street vendors for promoting their products and also particularly bring out the most effective technique in promoting their Street wares that influence customersshopping decision. The study uses primary data collected through in depth quantitative analysis to represent street markets in Mumbai. The sample included 129 active street shoppers. The relevant data collected by using a pretested questionnaire is further analyzed using descriptive statistical techniques. The analysis has produced several important implications; since the study covers only limited area the findings cannot be generalized. Research propositions and recommendations for further research are presented.

Keywords: Informal Sector, Promotional Strategies, Street Vendors.

[1]. Adil Zia & Khalid Mohammad Azam (2013). Unorganized Retail Shopping Experience in India: An Empirical Investigation. Pacific Business Review International Volume 5 Issue 7, 8-16.
[2]. Belk, Russell W., Sherry, John F. Jr. and Wallendorf, Melanie (1988), A Naturalistic Inquiry into Buyer and Seller Behavior at a Swap Meet, Journal of Consumer Research, 14: 449-470.
[3]. Das, G. & Kumar, R. V. (2009). Impact of Sales Promotion on Buyers Behaviour: An Empirical Study of Indian Retail Customers. 3(1), Global Marketing Journal, 11-24.
[4]. David McHardy Reid, Eugene H. Fram & Chi Guotai (2010): A Study of Chinese Street Vendors: How They Operate, Journal of Asia-Pacific Business, 11:4, 244-257
[5]. Dholakia, R. R. (1999). Going shopping: key determinants of shopping behavior and motivations. International Journal of Retail and Distribution Management Bradford, 27, 154–165.

Abstract: "Customer Relationship Management is a comprehensive approach for creating, maintaining and expanding customer relationships". However, in small street vendor's businesses customer relationships is not a widely considered strategy.The customer relationship management (CRM) adoption process in small business of street vendors is an under-researched area and the purpose of this paper is to extend the knowledge and offer greater understanding of the CRM adoption process through an empirical study in the Mumbai. The aim of the study is to determine which practices in customer relationship management are used by small street businesses in Mumbai City and also particularly bring out the most effective practice that influence customers shopping decision.

[1]. Adil Zia & Khalid Mohammad Azam (2013). Unorganized Retail Shopping Experience in India: An Empirical Investigation. Pacific Business Review International Volume 5 Issue 7, 8-16.
[2]. Belk, Russell W., Sherry, John F. Jr. and Wallendorf, Melanie (1988), A Naturalistic Inquiry into Buyer and Seller Behavior at a Swap Meet, Journal of Consumer Research, 14: 449-470.
[3]. Bull, C. (2003), "Strategic issues in customer relationship management (CRM) implementation", Business Process Management Journal, Vol. 9 No. 5, pp. 592-602.
[4]. Das, G. & Kumar, R. V. (2009). Impact of Sales Promotion on Buyers Behaviour: An Empirical Study of Indian Retail Customers. 3(1), Global Marketing Journal, 11-24.
[5]. David McHardy Reid, Eugene H. Fram & Chi Guotai (2010): A Study of Chinese Street Vendors: How They Operate, Journal of Asia-Pacific Business, 11:4, 244-257

Abstract: This paper will outline the plans for strategic launch of TATA-Tesco new convenience store launch in Navi Mumbai area. To determine the best strategy, an industry analysis is done in perspective of convenience retailing in researchable area. The Marketing analysis of this paper investigates the firm's location and the demographic and psychographic characteristic of prospect customers. This paper also outlines the catchment area analysis and trends analysis of prospective customers. As it's really important to have a right proportion of research as well future estimation of store projection on the basis of customer's income level and expenses as well competitor's presence. So to set a differential strategy to target customers in the particular area and to serve in a better way to target customers, it's important to understand their needs and to find out right strategy to win them.

Key Words: Store Location, Convenience retailing, Food and Grocery Retailing

[1]. McCarthy, E.J. (1996). Basic marketing: A managerial approach (12th Ed.). Homewood, IL: Irwin.
[2]. McCarthy, E.J., &Perreault W. D (2002).Basic Marketing: A global-managerial approach (14th Ed.). McGraw Hill/Irwin, New York.
[3]. Baltas and Papastathopoulou, (2003 Convenience Retailing Stores:, The Icfai Journal of Marketing Management, Vol. 7, No. 6, pp. 54-69.
[4]. MacRae R (2004), "Notions of Us and Them: Markers of Stratification in Clubbing Lifestyles", Journal of Youth Studies, Vol. 7, No. 1, pp. 55-71.
[5]. Patricia Huddleston et al, (2009) Indian Journal of Marketing, Vol. 36, No. 1 1, pp. 3-9.
[6]. Ramaswami V S and Namakumari S (2003), Marketing Management Pianning, Implementation and Control, Macmillan India Private Limited, New Delhi.

Abstract: Although technology still dominates, human resources and how they are managed is receiving increased attention in the analysis of attaining competitive advantage. Organizations have traditionally relied upon financial measures or hard numbers to evaluate their performance value and health. The so called "soft", human oriented measures such as employee attitudes, traits and perception are now being recognized as important predictors of employee behavior and performance. Many researchers have linked employee engagement to business outcomes like productivity, quality improvement and retention of talent. Employee Performance indicates the financial and non-financial outcome of the employee that has a direct link with the performance of the organization and its success.

[1]. Sahu, Gangadhar & Sahoo, Chandan Kumar: Effective Engagement: The Mantra of Achieving Organizational Excellence, Management and Labor studies, Vol.34 No.1, February 2009, pp. 73 - 82.
[2]. Misra, R.N: Employee Engagement: an Imperative for Organizational Success, National Institute of Personnel Management, July – September 2011, pp. 11 – 16.
[3]. Rajgopal, N. & Abraham, Sunu Mary: Employee Engagement – Application of IES Tool, Management and Labor Studies, Vol.32 No.3, August 2007, pp. 391 – 393.
[4]. Vance, Robert J., Employee Engagement and Commitment, SHRM, 2006, P.2, 23.

Abstract: In this globalized era, it is only the human resource that can provide an organization the competitive edge because under the new trade agreements, technology can be easily transferred from one country to another and there is no dearth for sources of cheap finance. But it is the talented workforce that is very hard to find. In academics, talent plays a vital role because in this field talent is created and nurtured. Teachers are considered as a talent. This paper focuses on teachers as talents and what the universities need to do to manage and develop this talent. The respondents for the present study are teachers of all cadres from 11 general state universities and the universities were categorized into two groups (A and B) based on the year of their establishment and academic parameters. The population of the study was 1426 teachers.

[1]. Berger, L. A. & Berger, D. R. (2004): The talent management handbook: creating organizational excellence by identifying, developing, and promoting your best people, New York: McGraw-Hill.
[2]. Butterfield, B. (2008). Talent management: Emphasis on action. Talent Management Strategies for Attracting and Retaining at the Best and the Brightest. CUPA-HR Journal, 59(1), 34-40.
[3]. Clunies, J. P. (2007). Benchmarking succession planning and executive development in higher education: Is the academy ready now to employ these corporate paradigms? Retrieved June 28, 2012 from http://www.academicleadership.org/emprical_research
[4]. DeCenzo, D. A., & Robbins, S. P. (2007). Fundamentals of human resource management (9th Ed) Hoboken, NJ: Wiley.

Abstract: Inclusive growth helps build a nation. Both men and women form a part in it. Gone are the days when women were considered no match for all powerful men in this world. The male dominated world was always reluctant to even acknowledge the fact that women were as good as men on parameters of hard work, intelligence quotient (IQ) and leadership traits. However, in tandem with a changing socio-cultural environment and an increase in educational opportunities, women have started recognising their inherent talents and business skills.

[1]. Anitha, H. S., & Lakxmisha, A. A. (1999, 15 June). Women entrepreneurs. Southern Economist, 38(9).
[2]. Banerjee, M & Talukdar, R.K. 2007; "Women Entrepreneurs in Assam: A Profile Productivity. Vol. 37, No.4 January – March.
[3]. Begum, R. and Srinivasan K. 2000; "Training Programme for Self Employment. An Action Oriented Approach" SEDME, 27 (2) June.
[4]. Bohle, P., Quinlan, M., Kennedy, D., & Williamson, A. (2004). Working hours, work-life conflict and health in precarious and permanent employment. Revista De Saúde Pubica, 38, 19–25.
[5]. Cooper, D. R., & Schindler, P. S. (2007). Business research methods. New Delhi, India: Tata McGraw-Hill Publishing Company Ltd.
[6]. Das, M. (2001). Women entrepreneurs from India: Problems, motivations and success factors. Journal of Small Business and Entrepreneurship, 15(4), 67.

Abstract: Twenty Audit firms & Commercial Enterprises within the reach of researcher have been used for the purpose of analysis. An effort has been made on these randomly selected enterprises in the region to interpret about the advent and level of existence of window dressing activities there. A set of observational analysis, using relevant performance measurement scales have been used for the purpose with an objective to comment about the true accountancy practices.
Keywords: Window Dressing; Present Scenario and the Causes of such Usage; Ways to cope out; Modern Success Mantra for MSMEs.

[1] Afonso, G. - Kovner, A. - Schoar, A. (2011). Stressed not frozen: The fed funds market in the financial crisis, Journal of Finance 66, 1109-1139.
[2] Allen, L. - Peristiani, S. - Saunders, A. (1989). Bank size, collateral, and net purchase behavior in the federal funds market: empirical evidence, Journal of Business 62: 501-515.
[3] Allen, L. - Saunders, A. (1992). Bank Window Dressing: Theory and Evidence, Journal of Banking and Finance 16: 585-623.
[4] Allen, L., Saunders, A., 1992. Bank window dressing: theory and evidence, Journal of Banking and Finance 16, 585-623.
[5] Behrman, J. N. (2001). Adequacy of International Codes of Behavior, Journal of Business Ethics (31): 51-64.

Abstract: The capital structure decision is crucial for understanding the dynamics of business growth for any business organization because organizations are oriented towards maximizing output as it has greater impact on a firm's ability to deal with its competitive environment. This study synthesizes the capital structure determinants theory and empirically examines both the determinants and suggested firm behavior patterns in relation to financing decisions of 145 Manufacturing Sector Firms for the period from 2001-2009. Such analysis is carried out by using a relatively new and innovative factor-analytic structural equation modelling (SEM) methodology. The objective is to study the capital structure of selected Manufacturing sector firms and its impact on the value of the firm. The findings also revealed that non-debt tax shield is considered as an important determinant of financial leverage and it is verified that Manufacturing Sector Firms with high non-debt tax shield use more debt as compared to other Manufacturing Sector Firms. The return on capital employed is highest in FMCG Sector among all Manufacturing Sector Firms resulting into higher profitability maximizing the shareholders return and impacting the firm value. The study concluded that the Manufacturing Sector Firms Capital Structure is too rigid to offer any scope for adjustment. Financial Leverage and Firm Value: A study of Manufacturing Sector Firms

[1] Chingfu Chang, Alice C. Lee and Cheng F. Lee, " Determinants of capital structure choice: A structural equation modeling approach", The Quarterly Review of Economics and Finance, 2009, vol. 49, issue 2, pages 197-213.
[2] Harris, M.,Raviv, A.(1991), "The theory of Capital Structure", Journal of Finance, Vol 46 No. 1, pp.297-355
[3] Hovakimian Armen, Opler Tim, Titman Sheridan. "The Capital Structure Choice: New evidence for a dynamic trade off model." Journal of Applied Corporate Finance. Vol. 15, No. 1, 2002: 24-30.
[4] Jensen M. and W. Meckling, 1976, "Theory of the Firm: Managerial Behavior, Agency Costs,
[5] and Capital Structure", Journal of Financial Economics 3, 305-360.

Abstract: The aim of the study is to know the clear picture involved in mutual funds and its impact on the investors who are interested in different diversified portfolios, which involves high risk and high returns. This risk analysis and investors perception on mutual fund market has given a clear idea of trading involved in relation with equities, debts and hybrid, in comparison with other variables existing in the market with respect to kotak mutual funds

[1] Alllen , Lyle (1994), Mutual funds : your key to sound financial planning , Avon
[2] Agarwal, Vikas; Boyson, Nicole M.; Naik, Narayan Y," Hedge Funds for Retail
[3] Investors? An Examination of Hedged Mutual Funds", Journal of Financial &
[4] Agapova, Anna, "The Role of Money Market Mutual Funds in Mutual Fund Families",
[5] Journal of Applied Finance, Vol. 21, Issue 1,pp. 87-102, 2011

Abstract: India is an emerging wine market.What do we really know about Indian wine consumer? This question is too broad to answer within the boundary of one paper. Thus the area of attributes influencing wine purchase decision behaviour is chosen as the scope of study for the paper.If we understand how consumers think while selecting a particular wine,then wine marketer can decide a better framework to decide his product offering.As Indian Market is traditionally considered as price sensitive market,this paper has made an attempt to apply this characteristic of Indian market to the Indian wine market.Today Indian wine marketer are talking about the best quality of wines produced by them at par with international wines.Wine experts are recommending taste ,brands ,origin of wine.But findings of this paper throws light on the price sensitivity by the Indian wine consumer.
Keywords: Indian wine consumer, attributes, purchase decision, price sensitivity

[1]. Dezan Shira & Associates(2015), ―Investing in India's Emerging Wine Industry‖, India Briefing, http://www.india-briefing.com/news/india-wine-9761.html/
[2]. Reporter,The Hindu (2014), ―Wine is the word,‖ http://www.thehindu.com/features/metroplus/wines-the-word/article5814608.ece
[3]. Lucy Shaw(2014) ,‖India's wine consumption to rise by 73%‖,The drinks business, http://www.thedrinksbusiness.com/2014/03/wine-consumption-in-india-to-be-up-73-by-2017/
[4]. Editor ,Customer Click(2014), ―Consumer's taste in wines is evolving, even though the awareness about wines is still low‖, ustomerclick.in/2014/03/06/consumers-taste-in-wines-is-evolving-even-though-the-awareness-about-wines-is-still-low/
[5]. McCutcheon, E., Bruwer, J., & Li, E. (2009). Region of origin and its importance among choice factors in the wine-buying decision making of consumers. International Journal of Wine, 21(3), 212–234.

Abstract: Mutual fund is one of the financial investment in the market, main theme of the study for the performance of monthly income plan in Indian Mutual Fund Industry to invest the investment in the field and return high profit with low risk in every monthly income. Mutual fund is based on the investor to invest the one time amount deposited and getting the monthly income especially for the all and mostly for the senior citizens. They have to live with freely and without hindrance.

www.prudentichannel.com

www.sebi.org

www.bseindia.com

www.nseindia.com

www.mutualfundinsight.com
www.icra.com