IOSR-JBM   Volume-7 ~ Issue-1 ~ Jan-Feb-2013

Abstract:Today human begins work with the time. The various activities to be performed on generally prescribed on the basis of time factor. Thus time is consider to be a fresher factor in every walk of life. Now-adays we find no person without a wrist watch and a home without a clock. Thus the watches have become almost a necessity for human begins, to whichever economic class they belong. This paper contets the consumer behaviour and brand preference while selecting the watches special reference to Titan Watches.

[1] Statical methods : S.P.Gupta
[2] Methods and Techniques : C.R.Kothari
[3] Marketing Management : Philip Kotler
[4] Websites : www.titan.com
[5] www.titanworld.com

Abstract: Studies have shown that SMEs focus on management skills to ensure a long run performance of their firms. Thus, owing to the increase in SMEs in the trade sector in Makurdi town, Benue State, this study examined the relative contribution of management skills to the success of these SMEs. A survey research method was adopted for the study, while systematic sampling technique was employed to gather data using questionnaires. The generated data were analysed using Principal Component Analysis (PCA) and regression analysis. It was found that the highest relative contribution was made by skills for planning and budgeting for a marketing strategy that provides attractive range of products, followed by skills to act quickly on detecting changes in the environment, skills for assessing sales problems as a way of maintaining good customer relations, skills to focus on product quality so as to capture a sizeable market share, and management expertise skills to attract and keep competent employees. The study recommends that trade entrepreneurs should be sensitized to concentrate on learning and developing the identified skills.
Keywords: Entrepreneur, Entrepreneurial capabilities, Entrepreneurial success, Management skills, Small and Medium Enterprises (SMEs)

[1] A.C. Awogbenle, and K.C. Iwuamadi, Youth unemployment: Entrepreneurship Development Programme as an Intervention
Mechanism. African Journal of Business Management, 4(6), 2010, 831-835.
[2] L.O. Ottih, Organization theory: structure, design and process (Port Harcourt: Amex Publications).
[3] G.R. Jones, and J.M. George, Cotemporary management (New York: McGraw Hill, 2008).
[4] K.C. Agbim, and G.O. Oriarewo, Spirituality as correlate of entrepreneurship development, Journal of Research in National
Development,10(3), 2012, 115-126.
[5] T. Maxwell, Considering spirituality: integral spirituality, deep science and ecological awareness, Zygon, 38(2), 2003, 257-276.
[6] C. Lechner, M. Dowling, and I. Welpe, Firm networks: external relationships as source for the growth competiveness of
entrepreneurial firms, Entrepreneurship and Regional Development,1, 2006, 1-16.
[7] W. Golden, and P. Powell, Towards a definition of flexibility: in search of holy grail, Omega International Journal of
Management Science, 28(4), 2000, 373-384.
[8] T. Ravichardian, and C. Lertwongsatein, Effect of information system resources and capabilities on firm performance: a resourcebased perspective, Journal of Management Information System, 21(4), 2005, 237-276.
[9] R.M. Grant, The Resource-based theory of competitive advantage: implications for strategy formulation, California Management
Review, 38(3), 1991, 114-135.
[10] V. Barba-Sanchez, and C. Atienza-Sahuquillo, Integration of the environment in managerial strategy: application of the resourcebased theory of competitive advantage, dynamic capabilities and corporate social responsibilities, African Journal of Business
Management, 4(6), 2010, 115-1165.

Abstract: The business community globally has embraced technological innovations and revolutionized communication capabilities among people which has enhanced globalization and prosperity. This paper makes an attempt to understand the nature of this new innovative technology enabled services: how it's used, what are the quality control models and what is the experience of the bank and its customers on using Information and Communication Technology(ICT) for transactions, for good and for ill with the largest bank in India namely the State Bank of India. The study engages a qualitative research method and follows an exploratory research approach. Content analysis and discussions were conducted with an interview schedule among key managers at State Bank of India. The level of measurement applied in data analysis is Strengths, weaknesses, Opportunities and Threats(SWOT). The paper will identify the framework for technology management for the financial services system of the Bank. The study makes an attempt to evaluate the use of technological tools and activities to maintain the new type of services to the bank's customers.
Keywords: Banking services, Customer, ICT tools.

[1] Alan Greenspan, The Age of Turbulence: Adventures in a New World: Adventures in a new world, New York:Penguin Group, 2007
[2] Wingand, R.T. and Kling, R., "Electronic Commerce: Definition, theory and context", in Information society, Vol. 13 Issue 1,
January – March 1997,pp, 1-16.
[3] Blackwell, R.D, Miniard, P.W and Engel, J.F., Consumer Behaviour, 9th Ed, Orlando Fl: Hardcourt College Publishers, 2001.
[4] Parasuraman, A Zeithamal, V.A, and Berry, L.L., "A conceptual model of service quality and its implications for future resear ch",
Journal of Marketing, Vol 49, 1985
[5] Hoffman, K.D, and Bateson, J.E.G , Essentials of Services Marketing: Concepts, strategies and cases, 2nd ed, Harcourt College
Publisher,2002.
[6] Chun Wang, Zheng Wang, "The Impact of Internet on service quality in Banking Sector", Lulea University of Technology,
Department of Business Administration and Social Sciences,2007
[7] Bateson, J. (1985), Perceived control and the service encounter, in Czepiel, J.A., The Service Encounter:Managing
Employee/Customer Interaction in Service Businesses, Lexington, MA.: Lexington Books , 1985.
[8] Thomas Ogoro Ombati, Peterson Obara Magutu, Stephen Onserio Nyamwange Wingand, R.T. and Kling,R., "Electronic
Commerce:Definition, theory and context", Information society, Vol.13 Issue 1, January-March 1997, pp,1-16.
[9] Dataquest : Focus : Indian Banking Gets Robust with Tech Updation , Available:
http://dqindia.ciol.com/content/industrymarket/focus/2010/110123102.asp
[10] Priya Nair, "The potential for growth in retail banking is huge", Business Line, Bangalore: The Hindu, 16th April 2012.