Vol 3 Issue 1 April 2015-September 2015

Abstract: Modern age is the age of advertisement and advertising has become a necessity for commercial success. The businessmen can demonstrate their commercial ability through advertisement. Advertisement is an impersonal presentation where a standard or common message regarding the merits, price and availability of product or service is given by the producer or marketer. It is a paid form of non-personal presentation and promotion of ideas, goods or services by an identified sponsor. The advertisement builds pull effect as advertising tries to pull the product by directly appealing to customer to buy it. Every part of advertising is a mode of satisfaction of human needs and wants. This paper includes the positive and negative. It also gives the information about how much the company are acting with ethical values in their advertisements and how they cheat the people in the society.

Keywords: Advertisement, Ethics, Ethics in Advertising.

Title: Advertising Ethics

Author: Preeti Sharma

International Journal of Management and Commerce Innovations

ISSN 2348-7585 (Online)

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Abstract: In many English language classrooms, teaching pronunciation is granted the least attention. When ESL teachers defend the poor pronunciation skills of their students, their arguments could either be described as a cop-out with respect to their inability to teach their students proper pronunciation or they could be regarded as taking a stand against linguistic influence. If we learn a second language in childhood, we learn to speak it fluently and without a ‘foreign accent’; if we learn in adulthood, it is very unlikely that we will attain a native accent. In this study, the researchers first review misconceptions about pronunciation, factors affecting the learning of pronunciation. Then, the needs of learners and suggestions for teaching pronunciation will be reviewed. Pronunciation has a positive effect on learning a second language and learners can gain the skills they need for effective communication in English.

Keywords: Pronunciation, Learning, Teaching, Misconceptions, Factors, Needs, Suggestions.  

Title: Overcoming the Difficulties to Learn Pronunciation in English

Author: Dr. Vitthal V. Parab

International Journal of Social Science and Humanities Research

ISSN 2348-3156 (Print), ISSN 2348-3164 (online)

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Abstract: Organizational Commitment (OC) has been researched by many authors with different perspectives and multiple dimensions. Organizational commitment is a superior concept as it is an indicator of employee attendance, organizational citizenship behaviour, organization effectiveness, better performance and much more. Low level of OC results into increased employee stress, work–family conflict, withdrawal cognition and employee turnover. This paper is an attempt to compile the major contributions in chronological order to comprehend how OC affects the individual performance at the work place. An extensive review of available literature was conducted to get familiarized to various mediating factors hitherto been considered pertaining to employee’s organizational commitment .This paper is an endeavour to provide a conceptual framework of Organizational commitment and the meddling factors for improvising the overall  work dynamics.

Keywords: Organizational commitment, Person- Environment fit (P-E fit), Perceived organization politics (POP), Breach of Psychological contract, Availability of Job Options.

Title: A Review of the Meddling Factors Affecting Employees’ Organizational Commitment at Work Place

Author: Tina Khandelwal, Dr. Sheetal Sharma

International Journal of Management and Commerce Innovations

ISSN 2348-7585 (Online)

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Abstract:  The most vulnerable rural population - in particular, women - are largely excluded from the insurance market. This only amplifies the felt need of this segment for protection of their lives / income-generating assets against various perils. Insurance Development and Regulatory Authority (IRDA) and Pension Fund Regulatory and Development Authority (PFRDA) have suggested that if at all pension and insurance are defined as “micro finance services”. With a view to encouraging the insurers to meet these obligations and give a fillip to micro-insurance products, IRDA also decided that all micro-insurance products may be reckoned for the purpose of fulfilment of the social obligation and where such policy are issued in rural area they could also be reckoned for rural sector obligation. IRDA has also proposed to benchmark the above obligations with reference to quantified limits of sums assured under micro-insurance policies in rural India. This paper refers to the perspectives in micro insurance towards SHGs in rural India and different rural insurance and models. And it also shows the implementation of micro insurance programs/regulations of IRDA.

Keywords: Micro Insurance Perspectives; Models; Programs; Regulations Rural India.

Title: Micro Insurance – A Life Line of SHG in Rural India

Author: Ratheesh R J, Sumesh V

International Journal of Management and Commerce Innovations

ISSN 2348-7585 (Online)

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Abstract: The paper present the comparative study between the private sector banks and public sector banks in electronic banking in different cities. E –banking is the provision of banking service through electronic channels and the customer can access the data without any time and geographical limitation. This paper identified the how much electronic banking adoption in different Banks in Korba City. Also comparative study of banks in different region to analyze ATM, Net banking, Mobile banking services used by user in that banks.

The Paper is basically concerned with the customer aspect of electronic banking searching for customer satisfaction level and adoptions of banks. This is a comparative study of Public sector banks and Private Sector Indian banks and find out the majority of which kind of transaction in banks in Korba region.

Keywords: Mobile Banking, ATM, Internet banking.

Title: A Comparative Study of E-Banking in Public and Private Sector Banks with Special Reference to (SBI and HDFC)

Author: Prof. (Dr) Ashok Kumar Chandra, Ruchi Bais

International Journal of Management and Commerce Innovations

ISSN 2348-7585 (Online)

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Abstract:  The purpose of this paper is to examine the effect of emotional intelligence dimensions (self-emotions appraisal, other-emotions appraisal, use of emotions, regulation of emotions) on employee engagement. A quantitative survey was used to collect data from 445 employees from ministry of education in Oman. SEM based AMOS was used to analyze the data. The results revealed a significant positive relationship between self-emotions appraisal, use of emotions, regulation of emotions and employee engagement. However, other-emotions appraisal does not influence employee engagement significantly. Managers can benefit from the study by understanding the importance of emotional intelligence dimensions (self-emotions appraisal, use of emotions, regulation of emotions) on raising their employees' engagement which enhances their performance. They should consider emotional intelligence level in recruitment process and hold some training workshops to foster employees' emotional intelligence. The study enriches the human resources management literature by examining a theoretical framework about the influence of emotional intelligence dimensions in increasing employees' engagement. This is one of the few studies that focus on the relationship between emotional intelligence dimensions and employees' engagement. It is the first study in an Omani context.

Keywords:  Employee engagement, Emotional intelligence.

Title: THE IMPACT OF EMOTIONAL INTELLIGENCE DIMENSIONS ON EMPLOYEE ENGAGEMENT

Author: Sultan Ali Suleiman AlMazrouei, Dr. Norziani Dahalan, Dr. Mohammad Hilmi Faiz

International Journal of Management and Commerce Innovations

ISSN 2348-7585 (Online)

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Abstract: This paper discusses the Financial Effects of Depletion of Mangrove Forest on the Performance of Micro Finance Community Based Organizations. Microfinance programmes are seen as a means for such communities to gain access to much-needed and appropriate credit services. The communities along the coast have been able to undertake microfinance programmes due to income arising from sea products and mangrove forests such as income from eco-restaurant, birding excursions, selling crabs and fish to hotels, honey products, pottery items, timber for construction and fuel wood. Mangrove forests worldwide have suffered depletion due to overharvesting, pollution and urban development among others.  A broad study was done with regards to the various variables showing how each of them affects performance of Microfinance Community Based Organizations. A descriptive survey study design was adopted in the methodology to explain the relationship between the variables of the study as shown in the conceptual framework.  The research discloses that overharvesting, Pollution and urban development are environmental issues which affect MFI’s profitability by increasing its risk.  The study concludes by recommending conservation and protection of mangrove forests in order to ensure sustainable yields of timber which have a relatively high economic return leading to increase in savings thus enhancing performance of microenterprise. All stakeholders, including women and marginalised groups, should be included in management planning to avoid approaches which are detrimental to those who rely most heavily on mangrove resources.

Keywords: Microfinance Community Based Organizations, Depletion of Mangrove Forests, conservation, high economic return, profitability.

Title: Financial Effects of Depletion of Mangrove Forest on the Performance of Micro Finance Community Based Organizations -The Case Study of Wajomvu Community in Kenyan Coast

Author: Feiruz Jumaa Kaloo, Anwar Hood, Joseph Obwogi

International Journal of Management and Commerce Innovations

ISSN 2348-7585 (Online)

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Abstract: This paper aims to explore the value of brand, brand equity, brand personality and brand image. In today’s scenario it is extremely important for any company to build its brand value through proper Marketing, Advertising and Sales Promotion. Today’s markets are governed by principles of Marketing, customer is the king and selling as a concept has lost its value. The case in point is Maggi Noodles by Nestle. This paper aims to explore the different concepts of making product tick for the customer. One of the major concepts driving the markets today is Innovation and Innovention.  Besides, this customer service has become all the more important. This paper aims to study various case studies, to explore the importance of Marketing in today’s world.  Its no longer sufficient to just sell the product. It is extremely important to conduct Market Research and Focus Group discussion to find out the need for the product. Branding in itself is not an end, there is need to ensure proper quality of the product and educate the customer about the product. Proper Segmentation, Targeting and Positioning was never as important as today.

Keywords: Branding, brand equity, brand personality, brand image, Advertising and Sales Promotion.

Title: Importance of Brand Equity

Author: Nishi Malhotra, Priya Malhotra

International Journal of Management and Commerce Innovations

ISSN 2348-7585 (Online)

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Abstract: A significant part of the challenges in a Public Distribution System (PDS) emanates from Bogus (ration cards belonging to fictitious families) and Shadow (genuine ration cards used by someone else) ration cards in the system. If the bogus cards can be substantially weeded out and a mechanism put in place to positively confirm and track the individual beneficiary off take on a monthly basis, then leakage would become more difficult to hide, the problems relating to PDS leakages, transparency and transportation would get resolved. A solution that improves the quality of the beneficiary database and that can track Individual Beneficiary off take coupled with a computerized MIS system can effectively improve the PDS system. By leveraging some of the large e-governance initiatives that are being rolled out, the solution can be implemented swiftly and cost effectively. In this paper it is proposed to have web based design of ‘public portal’ to achieve transparency regarding PDS. The design aims at the display of information related to Fair Price Shops (FPS) with respect to associated ration cards, entitlement of beneficiaries, stock positions at Mandal Level Stock points (godowns), movement of stocks, stock availability at each FPS etc. The portal is also designed to allow a card holder to login his/her complaints, and to get the contact details of F&CS officers in the vicinity. Under the portal some static information, which is permanent, can also be included for display.

Keywords: PDS, Smart Card, FPS, Ration Card.

Title: Consumer Information System for Public Distribution System (PDS) In Warangal District, Telangana State

Author: S. Srinivas, N. Selvaraj, C.S.P. Rao

International Journal of Management and Commerce Innovations

ISSN 2348-7585 (Online)

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Abstract:  The aim of this paper was to explore the extent to which Social support (i.e. supervisory support and co-workers support) is contributing towards the Job Stress among the public and private sector Cement factory workers in Kashmir Division of Jammu & Kashmir State. The sample size of the study consists of total 300 operational level workers, 150 workers were selected from public and 150 from private sector cement factories in Kashmir Division. The Social support (i.e. supervisory support and coworkers support) was measured by using Job Content Questionnaire. The results indicated the presence of Supervisory support was found to be high among private sector workers with the mean score of 3.83, against their public sector counterparts with the means score of 3.58.Similarly, coworkers support was also found to be quite high among private sector workers reflecting from the mean score of 4.04, as compared to their public sector counterparts with the mean score of 3.91.Whereas, Bivirate correlation indicated that these variables are negatively correlated with the job stress (i.e. supervisory support and coworker’s support). And, there is a need of effective training for supervisors, to create awareness about the importance of good relationships among workers and supervisors in public sector organizations. Whereas, multiple regression analysis indicated that both supervisory as well as coworkers support was significantly associated with job stress.

Keywords:  Job stress, supervisory support, co-workers support.

Title: Social Support and its impact on Job Stress among Cement Industry Workers: (A Comparative Study)

Author: Rizwana Rafiq

International Journal of Management and Commerce Innovations

ISSN 2348-7585 (Online)

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Abstract: The main objective of this study was to assessing whether there is member participation in decision making in their SACCOS affairs.  Purposive and simple random sampling techniques were used and 128 questionnaires were distributed, of which 120 were collected and 113 were used. Observation, documentary review and personal interviews were also conducted to SACCOS’ members, board members, and employees from 8 SACCOS in 4 districts of Mbeya Region, Tanzania. Data were analyzed and presented using SPSS and frequency distribution tables.

Through questionnaires and observation it was found that, members’ participation and leadership was very good. However the quality of participation was subject to education, experience on the particular activity. It was concluded that effective member participation in SACCOS was well realized. It is also recommended that, SACCOS should solicit education funds and ensure regular training to its members. SACCO’s members, employees and board members should be equipped with training on various technical skills. 

Keywords: SACCOS; Participation; Members; Activities.

Title: Assessment of Members Participation in Decision Making On SACCOS Affairs in Mbeya Region Tanzania

Author: Maria Msechu Lemeirut

International Journal of Management and Commerce Innovations

ISSN 2348-7585 (Online)

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Abstract: The purpose of this paper is to contribute to the limited previous research on the role of culture in knowledge creations and knowledge sharing within higher education’s institutions knowledge by examines the role of culture and also by identifying the factors that contributed to the successfulness of the creations and sharing of the knowledge. Design/methodology/approach A questionnaire-based survey was used to gather a side view of university academics’ lecturers and students of International Islamic university Malaysia (IIUM) view, attitudes, perception and intentions toward the culture of knowledge creations and knowledge sharing and related factor, including 35 Responses were received from International Islamic university Malaysia that has a lot of faculties and departments in a university, eight faculties were selected for the study.All items were measured using five-point scales in which 1 “strongly disagree’’ and 5 “strongly agree’’, with the exception of the initial section on Good practices of Knowledge creation and knowledge Sharing In this case a space provided in the form for the respondent to give their feedback. In addition, the questionnaire included a contextual question related to the types of information that academics share, and demographic data including: university, department, length of time in universities (within current department, and also total career-length), position, and gender. The finding The responses toward practicing the culture of KC and KS are varied based on the finding. However, positive feedback on demonstrating those good practices from the respondents to accomplish the status of excellence for IIUM is received. KC and KS are believed as the dynamic elements contributed towards the excellent performance. The KC is a research focus based while KS refers to the re-use of existing for advanced commitments.

Keywords: Knowledge creations, Knowledge sharing, Culture, Universities, Academic.

Title: The Role of Culture in a Successful Knowledge-Creation and Sharing In Higher Academic Institution– Survey/Questionnaire

Author: Fatima Ahmed Mohamed, Nurul Fahimah Bt Fakhri, Abdul Rahman B. Ahmad Dahlan

International Journal of Management and Commerce Innovations

ISSN 2348-7585 (Online)

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Abstract: The purpose of the research is to discuss ICT resources and user training and awareness as the key determinants and challenges facing SMEs in implementing ICT policy through a survey of small and medium sized enterprises (SMEs) in Kenya. Despite the assumption that the integration of ICT in all departments in a company influences the entire company system, most research focusing on ICTpolicy is generally limited to the study of variables at national level. In contrast to these studies, the objective of this research is to explore determinants of ICT policy implementation from a company perspective guided by the COBIT 5 enterprise enabler model. More particularly, it examines the SMEs ICT policy implementation from both the management’s perspective and that of other employees. Furthermore, it studies the relationshipbetween ICT policies and the actual use of ICT by employees.

Keywords: ICT resources and user training and awareness, ICT policy, SMEs

Title: ICT Resources and User Training and Awareness as Determinants of ICT Policy Implementation in SMEs in Kenya

Author: Kennedy Mulongo Lukhando

International Journal of Management and Commerce Innovations

ISSN 2348-7585 (Online)

Abstract: The paper is aimed at examining the effects of standard costing on the profitability of MTN telecommunication companies to discovering if the application of standard costing techniques have any effect on profitability, to explore the relationship between standard costing and the profitability of telecommunication companies and determining whether standard costing techniques and principles are being adopted and practiced by Nigerian MTN telecommunication company. The design of this paper is descriptive survey method and the paper was conducted at MTN Company, which is the case study of this paper work. The instrument of data collection was analyzed using the secondary data and interviews. The following were discovered findings shows that accounting records are kept and are significantly necessary in the management of the company. That the company employs standard costing in their product and decisions are made with the standard costing information obtained in the company. That accounting reports are prepared and presented to the company’s management and that actions are taken promptly on the information given in the report. That effective application of standard costing has effect on the profitability of the company. That the company benefit in a significant way through the use of standard costing especially in the improvement of profit. We came to a conclusion that standard costing is widely used in Nigerian telecommunication companies and that standard costing enhances adequate planning, control and decision making processes in the company. That standard costing aids telecommunication companies in the elimination of unprofitable products, provision of costing information and cost control.

Keywords: telecommunication, standard costing, profitability, cost control, accounting.

Title: Effects of Standard Costing On the Profitability of Telecommunication Companies (Study of MTN Nigeria)

Author: SADIQ RABIN ABDULLAHJ, IYANUOLUWA ONI, MUHAMMED DAHIRU AHMEB, FARUK IMAM SHAKUR

International Journal of Management and Commerce Innovations

ISSN 2348-7585 (Online)

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Abstract: The culture of knowledge creation and knowledge sharing play very important role in the successful implementation of Knowledge Management in any Public or Private Institution of Higher Learning. The purpose of this study is to see how the culture of Knowledge Creation (KC) and Knowledge Sharing (KS) is applied in Public or Private Universities in Malaysia. A survey was designed and conducted with students Academician in the universities in Malaysia. Survey questions designed to examine perceptions of all variables were identified. Data from 17 respondents were used to validate the hypotheses. The results of the study show that the individual culture and top management’s support are important which it will be influencing the knowledge sharing behavior in the institutions.

Keywords: Culture, Knowledge Management, Knowledge Creation, Knowledge Sharing, Institute of Higher Learning, Malaysia.

Title: Empirical Study on the Culture of Successful Knowledge Creation and Knowledge Sharing In Institute Of Higher Learning (IHL)

Author: Nur Faizah Ab Aziz, Nurul A’tiyah Ahmad Lotfi, Abdul Rahman Ahmad Dahlan

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

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