IOSR-JBM   Volume-18 ~ Issue-6 ~ June-2016

Abstract: Due to rising customer dissatisfaction in service quality delivery by ZETDC customers, it became imperative that a study be undertaken to identify areas of mismatch in the expected service and the actual service delivered. Gap 3 of the gaps model proposed by Parasuraman et al. (1985) was applied to ZETDC Marondera to identify the extent of the delivery gap to enable the designing of a service quality improvement program that could be adopted by the service provider. A quantitative research design was carried out using a cross sectional descriptive survey, where a self-completion questionnaire was developed for the gap model and distributed to a sample of 250 respondents using a convenience sampling technique to ZETDC customers in Marondera who included domestic and rural households.............

Keywords: Service Gap, Service quality, Customer Expectations

[1]. Berry, L. L., Parasuraman, A. and Zeithaml, V. A. (1994). "Improving Service Quality in America: Lessons Learned", Academy of Management Executive, 1994 Volume 8 Issue No. 2
[2]. Chirasha, V., Sithole, A. and Kunaka, L. (2015). "Organisation Development Intervention Programs at ZETDC", International Journal of Innovation and Research in Educational Sciences, Volume 2, Issue 5; pp 353-357
[3]. Chao, V. S. and Kao, Y. (2009)."Bridge Over Troubled Water or Long and Winding Road?", Managing Service Quality: An International Journal, Volume 19 Issue 1 pp. 106 - 13
[4]. Gronroos, C. (1984). "A Service Quality Model and Its Marketing Implications", European Journal of Marketing.Volume18, Isuue No. 4; pp. 36-44.
[5]. Lovelock, C. and Wirtz, J. (2011). Service Marketing: People, Technology, Strategy, Pearson Prentice Hall

Abstract: Effective prudential regulation and supervision eventually leads to a reduction in the financial risk of firms. This study sought to evaluate the role of prudential regulation and supervision on the financial risk of companies listed on the Nairobi Securities Exchange (NSE). The study targeted companies publicly listed in the Nairobi securities Exchange between 2012 and 2013, with the minimal changes of listing on the stock exchange currently being considered. Forty five out of sixty one companies were sampled using a 75% proportion. Primary as well as secondary data was collected from the sampled firms..............

Keywords: Prudential regulation and supervision, shareholder protection, Investor expropriation

[1] R. La Porta, F. L´opez-de-Silanes, A. Shleifer, and R. W. Vishny. Investor protection and corporate valuation. Journal of Finance 57 (3), 2002, 1147–1170.
[2] N. Mutuku, Financial Sector Regulation: The Way Forward (2009) Presentation in Institute of Investment Professionals East Africa Seminar
[3] N. Kuria. Investor protection and the capital markets (corporate governance) (market intermediaries) regulations 2011: a critique doctoral diss., University of Nairobi, Kenya, 2012.
[4] Okelo C.A, Namusonge G.S, Iravo M.E (2014) Effect of loan contract terms on the financing of Small and Medium Enterprises (SMEs): A case of Mombasa County, International Journal of Scientific & Engineering Research, 5 (5), 2014.
[5] R. La Porta, F. Lopez-de-Silanes, A. Shleifer, & R. Vishny, (2000). Investor protection and corporate governance. Journal of financial economics, 58(1), 2000, 3 – 27.

Abstract: The Christianity is transmitted with faster speed than ever in recent years in China. The Christianity transmission in China has long history and many setbacks, especially in modern history of China. The missionaries tried different ways to propagate such religion and had little achievement, even such transmission incurred the slaughter. But after the reforming and opening policy, the Christianity is accepted more easily in China. The main form of the Christianity church is the house church, and the believers in the countryside accounts for the most part of the whole believers.............

Keywords: Christianity; transmission; church house; rural areas; Boxer Rebellion.

[1]. Cao, Z. The Relation and Influence of the Christianity Spread for Chinese Science. Jiangsu Social Science. 2003（1），186-190
[2]. Fei, X. China Rural Society: Fertility Regime. Beijing: Beijing University Publishing House. 1998. 26
[3]. Han, H. Needing-supplying Form and Socialization Spread Form: on the Christianity Spread Form in the Acquaintance Community. Sociology of Religion Vol.1. 2005 310-323
[4]. Li, X. The Analysis on the Problems of House Church in China. Journal of Huaihai Institute of Technology. 2012（2），39-41
[5]. Li, Y. On the Reasons for Why the Christianity Spread Speed Was Slow in Modern China. Religious Studies. 2004（2），131-136

Abstract: This study is aimed to explore the factors influencing the college students, to purchase products and services from the online retail stores. Qualitative research using the focus group methodology was used in this exploratory research. Content analysis method was used to analyse the transcribed data. The data analysis procedure resulted in six factors namely (i) Low Prices; (ii) Variety; (iii) Time Consciousness; (iv) Convenience; (v) Promotions and (vi) Comparison; which influenced the college students to shop from the internet stores..............

Keywords: College Students, Content Analysis, Focus Group, Online Buying Behavior

[1]. ASSOCHAM India (2016), "E-Commerce Industry will cross $38 bln mark by 2016; Indian e-commerce market set to grow by 67% in 2016: study", available at: http://www.assocham.org/newsdetail.php?id=5427 (accessed March 2016).
[2]. IAMAI and IMRB International, "Digital Commerce", a research report by IAMAI and IMRB International, April 2013.
[3]. Lester, Deborah H. Forman, Andrew M. and Lyod, D., Internet Shopping and Buying Behavior in College Students, Services Marketing Quarterly, Vol. 27(2), 2005, pp. 123-138.
[4]. Khare, A. and Rakesh, S., Antecedents of Online Shopping Behavior in India: An Examination. Journal of Internet Commerce, 10(4), 2011, pp. 227–244.
[5]. Rishi, B. J., An Empirical Study of Online Shopping Behaviour : A Factor Analysis Approach. Journal of Marketing & Communication, 3(3), 2008, pp. 40–50.

Abstract: In the fast socio-economic development and an increased in standard of living, many consumers are demanding more organic food and hence causing the organic food market to grow dramatically to serve the need of the consumers. More than three-fourth of consumers perceive that the level of attitude towards organic food products is at medium level and the results reveal that there is significant difference between socioeconomic characteristics of consumers and their attitude towards organic food products. Organic food products are still an emerging thought in Hyderabad and Secundrabad cities,.............

Keywords: Attitude, Consumers, Organic Food Products.

[1]. Aertsens, J., Verbeke, W., Mondelaers, K. and Van Huylenbroeck, G., (2009), “Personal Determinants of Organic Food Consumption: A Review”, British Food Journal, 111(10): pp. 1140-1167.

[2]. Bo, W.S., Eves, A. and Lumbers, M., (2012), “Consumer’s Attitude and understanding of organic food”, Journal of Food Service Business Research, 15: pp.49-63.

[3]. Casey, L., (2011), “Global Organic Food And Beverages Market to Reach $104.50 Billion”, Retrieved July 15, 2011 from http://www.packagingdigest.com/article/512873Global_organic_food_and_beverages_market_to_reach_104_50_billion.php.

[4]. Chen, M., F., (2007), “Consumer Attitudes and Purchase Intentions in Relation to Organic Foods in Taiwan: Moderating Effects of Food-Related Personality Traits”, Food Quality and Preference, 18(7): pp. 1008-1021.

[5]. Davies, A., Titterington A.J. and Cochrane. C., (1995), “Who Buys Organic Food? A Profile of the Purchasers of Organic in Northern Ireland”, British Food Journal, 97(10): pp. 17-23

Abstract: Over the past few years tourism industry has witnessed rapid and continuous growth.In developing countries like India tourism has become one of the major sectors of the economy. The major modes of transportation are by airways, railways, seaways, or by roadways. The reason that airline tickets are comparatively expensive and train tickets are reserved in advance, it makes bus travels a feasible option. There are many companies providing facility of booking online bus tickets...............

Keywords: Tourism Industry, transportation, online reservation.

[1]. Sulaiman, A., Ng, J., &Mohezar, S. (2008). E-ticketing as a new way of buying tickets: Malaysian perceptions. Journal of Social Science, 17(2), 149-157.

[2]. Vyas, P. (2014). The growth of online bus ticketing industry: redBus route to success in the Indian market. International Journal of Business and Management, 9(11).

[3]. RAMYA, R. Customer satisfaction on online bus ticket booking.

Abstract: The knowledge of the present Islamic banking is an alternative solution to the Muslim civilization from the conventional banks in the practices. One of the products of Islamic banking is "Wadi‟ah" account. Therefore, this paper targets at clarifying the perception of its application of "Wadi‟ah" in Islamic bank. The motive of this paper is through qualitative research based on relevant literatures on "Wadi‟ah" in Islamic bank. This paper will try to find out that "Are the principles of "Wadi‟ah" really practiced in the present Islamic banking system?" This paper will also try to find out the reliability of "Wadi‟ah" and its applications according to the Islamic perspective practicing in the present Islamic banking system.

Keywords: Deposit, Islamic banking and finance, Wadi‟ah Yad Damanah, Wadi‟ah Yad Amanah

[1] Adam, I. K. (2012). The propertisation of traditional knowledge: seeking a basis in the Shariah. IIUM Law Journal,20(1), 73.

[2] Zuhaili, W. (1985). al-Fiqh al-Isla> mi wa Adillatuhu, cet. ke-2. Juz, Damaskus: Da> r al-Fikr.

[3] Haron, S., & Nursofiza Wan Azmi, W. (2008). Determinants of Islamic and conventional deposits in the Malaysian banking system. Managerial Finance,34(9), 618-643.

[4] Azhar Rosly, S., & Ashadi Mohd. Zaini, M. (2008). Risk-return analysis of Islamic banks' investment deposits and shareholders' fund. Managerial Finance, 34(10), 695-707.

[5] Haron, S., & Ahmad, N. (2000). The effects of conventional interest rates and rate of profit on funds deposited with Islamic banking system in Malaysia.International Journal of Islamic Financial Services, 1(4), 1-7.

Abstract: The study generally aimed to determine the status of teachers' workload and performance in State Universities of Eastern Visayas. A total of 120 teacher-respondents from six State Universities representing each province in the region served as respondents. Respondents' total workload ranged from 11 to 31 units, with a mean of 21.1. They had an average workload in the following functions: instruction, 20.0; research, 0.4; extension, 0.3; administration, 0.08; committee involvement, 0.16; advisorship in organization, 0.12. In general, the faculty members in the State Universities carry the prescribed regular workload of 21 units. Close to one-fourth (23.3%) of them were overloaded............

Keywords:Overload, Performance, Status of Workload, Workload

[1]. Ayuman, Bernardita C. 1995. "Teachers' Workload of Intermediate and Secondary Schools: Implications to School Administrators". Unpublished Master's Thesis. Saint Louis University, Baguio, City
[2]. Farber, Barry. 1991. "Crisis in Education, Stress and Burn Out in the American Teacher". San Francisco, California: Bass Inc.
[3]. Hersberg, Frederick, et. al. 1953. "The Motivation to Work". New York: John Willey and Sons, Inc.
[4]. Orais, E.P. 1992. "Factors Affecting the Teaching Performance of Secondary Teachers in Southern Leyte". Unpublished Master's Thesis. VISCA, Baybay, Leyte.
[5]. Orata, Pedro T. 1990. "Educational Trends Abroad." Manila University Publishing Co., Inc.

Abstract: As per studies and researches the Indian Insurance sector is expected to be amongst the top three in the world by 2020. The insurance sector in India is rising rapidly to bring in growth and employment opportunities. However the major challenge faced by insurance companies is employee turnover or high attrition rate especially in sales force.This study mainly discusses primary HR challenges related to attrition in life insurance industry. Insurance is not bought but it is sold...........

Keywords:Insurance , Attrition, Life Insurance

[1]. Abbasi, S., and K. Hollman. 2000. Turnover: The real bottom-line. Public Personnel Management 29 (3): 333 – 42.
[2]. Human resource and personal management (2010), Tata McGraw-Hill.
[3]. Hackman J &Oldham G (1974) The Job Diagnostic Survey. New Haven: Yale University

Abstract: The forms of entrepreneurship education given by the Industry and Trade Office as well as Cooperative and Micro Small Medium Enterprise Office are socialization/counseling, training and accompaniment. These only give the rules and facilitate for grants ( in the form of fund and operational equipment machine) to develop and maintain business which is not conducted optimally. In educating on the entrepreneurship spirit, it is by giving entrepreneurship motivation and internalization to owners based on Work Unit of Regional Apparatus of Industry and Trade Office as well as Cooperative and Micro Small Medium Enterprise Office, namely by giving the entrepreneurship motivation and internalization based on entrepreneurship............

Keywords: Role of Regional Government, Entrepreneurship Motivation, Entrepreneurship Internalization, Entrepreneurship Education.

[1]. Akbar, S. 2007. Pembelajaran Nilai Kewirausahaan Dalam Perspektif Pendidikan Umum: State University of Malang.
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[4]. Hubbard, Michael. 1995. Bureacrats and Markets in China: The Rise and Fall of Entrepreneurial Local Goverment. Governance: An International Journal of Policy and Administration. School of Public Policy, University of Birmingham, UK. Vol.8, No. 3 Juli 1995. (PP.335-353).
[5]. Patel, Rural R. 2000. Current trends in entrepreneurship research. Paper at TheFourth Biennial Conference On Current Trends In EntrepreneurshipResearch Organized. Fourth biennial conference in India.

Abstract: Re-engineering process is beginning to be embraced by public sector organizations in many countries to reform the traditional function-based bureaucratic system with result and customer-oriented process based system. The purpose of the study was to investigate the extent to which re-engineering process determined employee's performance in Kenya Forest Service. The study was guided by the following objective; to find out the impact of technological innovation on employee performance at Kenya Forest Service. The study was guided by the Force-Field and Evolutionary Theories of Change...........

Keywords: Re-engineering, technological innovation and employee performance

[1]. Al-Mashari, M. and Zairi, M. (2000b) Creating a fit between BPR and IT infrastructure: a proposed framework for effective implementation.International Journal of Flexible
[2]. Al-Mashari, M., (2003) Process orientation through enterprise resource planning: A review of criticalissues.Knowledge and Process Management Journal, 8(3), 175–185.
[3]. Al-Mashari, M., Zahir, I., & Mohamed, Z., (2001). Business process reengineering: A survey ofinternational experience. Business Process Management Journal, 7, (5), 437-455.
[4]. Ayanda, A.M. and Sidikat, A (2008).Impact Assessment of Business Process Reengineering on Organizational Performance.European Journal of Social Science.Vol.7.No1.
[5]. Bossidy, Larry, Ram Charan and Charles Burck, (2002): The Discipline of Getting Things Done. New York ; Crown Business

Abstract: This research aims to know (1) the description of MSME condition in Lumajang Regency, (2) the efforts by regional government of Lumajang Regency for the MSME empowerment, (3) education and training contribution to improve MSME performance in Lumajang Regency, and (4) supporting and inhibiting factors in the Education and Training Implementation in Order to MSME empowerment in Lumajang Regency. This research uses qualitative research design by descriptive approach.............

Keywords: Education, Training, Empowerment, MSME

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