Vol 7 Issue 1 April 2019-September 2019

Abstract: Banks are the financial institution which directly impacts the nation’s economy as they represent monetary institution that receives deposits from different means and sources and channels those deposits into lending activities by acting directly or through capital markets. A bank connects the customers with capital shortages to customers with capital excess.  Banking provides opportunity for the investors and links available resources for the growth and sustenance of business and industry. Banking is a service industry where customer satisfaction is the most important aspect to sustain the solid competition among the different players. Often the banking customers experience dissatisfaction due to banking services which in turn leads to grievances reporting to the service bank.  In order to provide quick and effective grievance redressal for banking customers the Reserve Bank of India established the Banking Ombudsman Scheme in the year 1995 to provide efficient and inexpensive redressal of grievances against deficiencies in services provided by Commercial Banks, Scheduled Primary Co-operative Banks and Regional Rural Banks. Later the Banking Ombudsman Scheme was amended in June 2002 and 2006 respectively. This research article provides an insight on implementation of Banking Ombudsman scheme throught the decade from 2005-2015. Implementation and effectiveness was evaluated based on the secondary data available in the form of RBI annual reports, Research Journals etc. Outcome of this research has confirmed significant improvements in the banking sector through effective implementation of Banking Ombudsman scheme.

Keywords: Indian Banking Sector, Bank, Banking Ombudsman (BO),  Banking Complaints, Banking Ombudsman Scheme (BOS),  Office of Banking Ombudsman (OBO),Reserve Bank of India (RBI).

Title: Banking Ombudsman Scheme – A decade review of implementation and effectiveness

Author: Nidhi Chaturvedi, Dr. L.K Tripathi

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Research Publish Journals

Abstract: This paper investigated the extent to which exchange rate instability influence the profitability of breweries in Nigeria from 1990 to 2018. In consideration of the vulnerability of brewing companies’ earnings to exchange rates movements, the multiple regression analysis of the ordinary least square (OLS) estimation technique through the use of secondary data was employed in this study. The model formulated depicts net profit as the dependent variable while Exchange Rate, export at a particular point in time, import at a particular point in time, investment and industrial production are proxied as independent variables.  The results revealed that exchange rate instability has a significant negative impact on the profitability of breweries in Nigeria. The implication is that exchange rate instability brings about decrease in the profitability of the three breweries studied. From the findings, this paper recommends that policy makers and brewers should emphasis substitution of imported with local raw materials to save the high cost of foreign exchange for procuring foreign raw materials. They should also embark on backward and/or forward integration for easy and cost effective acquisition of input materials.

Keywords: Exchange Rate instability, profitability, breweries, Nigeria, manufacturing, industrial production, business environment.

Title: Exchange Rate Instability and Profitability of Selected Breweries in Nigeria (1990-2018)

Author: Ezeilo, Florence Ijeoma., Ebenebe Adaora Ogechukwu

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Research Publish Journals

Abstract: Online trading is basically the act of buying and selling financial products through an online trading platform. These platforms are normally provided by internet based brokers and are available to every single person who wishes to try to make money from the market Online trading is a much easier and convenient way of trading. In spite of the numerous benefits offered, online trading is still not popular among investors due to certain factors

Keywords: Online Trading, Capital Market, Stock Broker.

Title: A Study on Investors’ Perception towards Online Trading

Author: ASHISH C PIUS

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Research Publish Journals

Abstract: Goods and Services Tax (GST) is a universal indirect tax to be levied on sale, manufacture, consumption of goods and services. The ground laying aim of GST is to make uniform the scattered indirect tax system in India and avoid the cascading effect in taxation. As GST is a destination based tax, a significant number of the industrialized states were worried that its acquaintance would lead with loss of revenues. It took about 17 years of huge exertion with respect to various political pioneers, senior officers, charge specialists and different partners before GST was propelled on 1 July 2017.As we approach the culmination of second year of GST in India, this investigation is planned to look at the effect of GST on economy by the method for illuminating the income gathering information of India in post GST era and change in number of taxpayers. The Study is Exploratory in nature and Secondary Data has been used for the study. The data has been collected from different Journals, Periodicals. Newspapers and Internet.

Title: Influence of GST on Indian Economy (A Study of financial status)

Author: Akriti Thakur

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Research Publish Journals

Abstract: The study is completely focused to Information and Technology Sector. IT is a boom that has brought its own set of challenges. One of the most important challenges is stress. Research deals with “Stress Management” as carried out in Mind Tree Limited. In this report, I have studied & evaluated the stress management as carried out in the company. Stress is associated with every human life. Stress is considered as strain from between external environment and us. It is also considered as biological reactions. It is impossible to survive without stress either being student or working adult. Workplace stress occurs when there is a gap between job demands and individual capabilities, needs, wants, resources etc. These factors may lead to poor performance. The nature and the process of work in a Mind Tree Limited is competitive and hectic that often leads to stress. Stress is threat to the employees of the organization and stress management is assumed as of great importance is any organization. Stress is a part of day-to-day living. In our daily lives, we are often exposed to various situations that produce stress. However, if the stress is high, it can result into serious health and mental issue. Hence, this report completely explains in depth about the stress and its management in a Mind Tree Limited.

Keywords: Stress, Workplace, Performance, Employees, Male and Female.

Title: STRESS MANAGEMENT BY EMPLOYEES AT MIND TREE LTD: A STUDY

Author: Ms SUSHMA RAWATH .S

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Research Publish Journals

Abstract: The purpose of this study was to analyze the effect of transformational leadership style, physical work environment, and motivation on employee morale at the Sila Mukti Savings and Loan Cooperative in Gianyar Branch. The population of this study were all Sila Mukti Savings and Loan Cooperative employees of Sila Mukti Gianyar Branch, except the Branch Manager. Sampling uses a saturated sample technique, so that the sample size is 50 people. The data analysis technique used is multiple linear regression analysis. Results show Transformational leadership style, physical work environment, and motivation have positive and significant effects on employee morale. The implication of this research is that if the transformational leadership style, physical and motivational work environment is able to be implemented and implemented properly, the employee morale will increase which will have a very large impact on improving and improving performance for the Sila Mukti Savings and Loan Cooperative in Gianyar Branch.

Keywords: transformational leadership, physical work environment, motivation, employee morale.

Title: The Effect of Transformational Leadership, Physical Work Environment and Motivation on Employee Morale

Author: Ni Putu Adnyani Sari, I Wayan Mudiartha Utama

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Research Publish Journals

Abstract: The purpose of this study was to analyze the effect of top management support, quality of human resources, accounting information systems and internal control systems  on the quality of financial reports in savings and loan cooperatives in Denpasar City. The population of this research is all savings and loan cooperatives in the city of Denpasar, which amount to 250 savings and loan cooperatives. The sampling technique in this study used the Slovin formula, so that a total of 71 savings and loan cooperatives were obtained. Methods of collecting data using questionnaires. The analysis technique used is multiple linear regression analysis.

The results of this study indicate that top management support, quality of human resources, accounting information systems and internal control systems have a positive and significant effect on the Quality of Financial Statements. This means that the higher the support given by top management to Saving and Loan Cooperatives  employees, the better the quality of human resources owned by Saving and Loan Cooperatives in Denpasar City, the better the use of accounting information systems at Saving and Loan Cooperatives  and the better implementation of internal control in Saving and Loan Cooperatives  in Denpasar City, it will motivate employees to work well so as to improve the quality of the financial statements produced.

Keywords: Top Management Support, Quality Of Human Resources, Accounting Information Systems, Internal Control Systems, Quality Of Financial Reports.

Title: The Influence of Top Management Support, Quality of Human Resources, Accounting Information Systems, Internal Control Systems on the Quality of Financial Reports

Author: Ni Putu Diah Lestari Dewi, I Ketut Yadnyana

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Research Publish Journals

Abstract:  The purpose of this study was to analyze the influence of Local Own-source, General Allocation Fund, Special Allocation Funds and Local Own-Surplus Budget Surplus Regency / City Capital Expenditures in Bali Province and detect whether there was a Flypaper Effect in its funding. The population of this study is all regencies / cities in Bali Province. The sampling technique in this study used a saturated sample technique. The method of data collection uses the method of non-participant observation. The analysis technique used is multiple linear regression analysis.

The results of this study indicate that Local Own-source and Special Allocation Funds have a positive and significant effect on Capital Expenditures. This means that Regencys / Cities in Bali Province tend to use Local Own-source and Special Allocation Funds to fund Mobal Expenditures. The General Allocation Fund has a negative effect and significant Special Allocation Funds and Budget Surplus have positive effects but significant Special Allocation Funds. This means that the General Allocation Fund and Budget Surplus tend to be used to finance other expenditures outside of Capital Expenditures. In the Capital Expenditure funding also the Special Allocation Funds occurs the phenomenon of Flypaper Effect because the influence of Local Own-Local Own-source sources Capital Expenditures are greater than other variables.

Keywords: local own-source, general allocation fund. special allocation funds, budget surplus, flypaper effect, capital expenditure.

Title: The Influential Factors on Capital Expenditure of Regency/City in Bali Province 2013-2017

Author: Gede Edy Ekaputra, A.A.N.B. Dwirandra

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Research Publish Journals

Abstract:  This study aims to determine the role of job satisfaction in mediating the effect of compensation on the employee loyalty of LPD employees in Pakraman Kesiman Village. This research was conducted at LPD Pakraman Kesiman Village using 38 respondents. Data collection through interviews and questionnaires using 14 indicators as measured by the Likert Scale. Data analysis techniques used path analysis (path analysis) and sobel test. The results of this study indicate that compensation has a positive and significant effect on job satisfaction, compensation has a positive and significant effect on employee loyalty, job satisfaction has a positive and significant effect on employee loyalty, and job satisfaction mediates the effect of compensation on employee loyalty. The practical implication in this study is that the management of LPD Pakraman Kesiman Village needs to pay attention to the indicators of compensation and job satisfaction so that employee loyalty can increase. The theoretical implication in this study is that the existence of good compensation will increase job satisfaction so as to increase the employee loyalty of LPD Pakraman Kesiman Village employees.

Keywords: Compensation, Job Satisfaction, Employee Loyalty.

Title: The Role of Job Satisfaction Mediates the Effect of Compensation on Employee Loyalty

Author: Ida Ayu Meila Karwista, Ida Bagus Ketut Surya

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Research Publish Journals

Abstract: This research sought to determine the influence of customer focus as a total quality management tool on performance of agricultural firms listed in the Nairobi Securities Exchange, Kenya (NSE). Customer focus was identified on the basis of feedback systems, customer complaints handling and customer retention whereas performance was measured based on productivity, effectiveness and employee satisfaction. The theories that guided the study included; quality improvement and Crosby’s approach theories. The research adopted descriptive research design where the target population of the study comprised of all the seven agricultural firms listed on the NSE. The analysis of the study was done using multiple regression models where SPSS was used. Data was analyzed using descriptive and inferential statistics and was presented using tables, charts and graphs. The study found out that customer focus had a positive and significant effect on the performance of Agricultural Firms Listed at the NSE, Kenya. The study recommended that customer focus should be the focus of managers as this is key in influencing firm performance. Specifically the study recommends a more serious focus on improving quality of services to sustain the customer base as well as taking the customer complaints more promptly.

Keywords: Customer focus, Total Quality Management, Performance of Listed Agricultural firms.

Title: Customer Focus and Performance of Agricultural firms listed at the Nairobi Security Exchange, Kenya

Author: Kenneth Micheni Nairobi, Dr. Anne Wambui Muchemi

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Research Publish Journals

Abstract: Globalization causes many companies to focus on improving organizational citizenship behavior (OCB) on their employees, because OCB will affect the development and productivity of company. The purpose of this study to determine the role of job satisfaction mediating the effect of perceived organizational support on OCB. Research conducted at PT. Bayus Cargo Badung. The research sample was 48 people, with path analysis. The results showed that perceived organizational support had positive and significant effect on job satisfaction, perceived organizational support had positive and significant effect on OCB, job satisfaction had  positive and significant effect on OCB, and job satisfaction was positive and significantly mediated the perceived organizational support for OCB. Companies should be able to provide support to employees, support will increase job satisfaction felt by employees and so that employees will be willing to carry out tasks beyond the duties and responsibilities given.

Keywords: Perceived Organizational Support, Job Satisfaction, Organizational Citizenship Behavior (OCB).

Title: The Role of Job Satisfaction mediates The Effect of Perceived Organizational Support on Organizational Citizenship Behaviour (OCB)

Author: I Gede Prawira Bujangga Waisnawa, Anak Agung Ayu Sriathi

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Research Publish Journals

Abstract:  The beverage sector is one of the sectors that has experienced rapid growth. The development of the beverage industry in Indonesia is characterized by the number of types and brands of packaged drinks circulating in the market that result in intense business competition. This research was conducted in the city of Denpasar involving 130 respondents who had purchased and consumed the products of Pucuk Harum Tea. Data collection uses a questionnaire, while data analysis techniques use path analysis and Sobel test. The results of the study found that promotion has a significant positive effect on brand image and purchasing decisions and brand image is able to mediate promotions and play a positive role in purchasing decisions. Paying attention to the quality of promotion will create a good brand image in the minds of consumers, thus influencing purchasing decisions.

Keywords: Promotion, Brand Image, Purchasing Decision.

Title: The Role of Brand Image mediates the Effect of Promotion on Purchasing Decisions

Author: I Gusti Ngurah Agung Krisna Dwi Saputra, I Nyoman Nurcaya

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Research Publish Journals

Abstract: There are much research works on China’s investment in Tajikistan, especially in Tajikistan’s Agricultural Sector in recent years. However, why I did not choose Chinese Investment in Tajikistan’s Agriculture Sector is another thing and different meaning. I analyzed “Chinese involvement in Tajikistan’s Agricultural Sector” is focusing on Agricultural Lands, Technical and Agricultural Machinery, Seeds and Agricultural Training Courses. I mentioned that “Why did Chinese involvement in Tajikistan’s Agricultural Sector increase so strongly between 2010 and 2017 (and Why was there a particular spike of involvement around 2014/15)?” First of all, I evaluated that “Why China invested in Tajikistan’s Agricultural Sector since 2010?” Secondly, I mentioned that “How much China’s involvement is growing in Land, Technical Mercenary, Seed and Agricultural Training Courses”. After that, I figured out the “advantages and disadvantages of both side” getting effects from China’s involvement in Tajikistan’s Agricultural Sector.

Keywords: Chinese involvement, Agricultural Sector, Land Investment, Technical and machinery.

Title: Accounting for the Growth of China’s Involvement in Tajikistan’s Agricultural Sector (2010-2017)

Author: Lutfulloi Davlati, Khin Myat Kyaw Thu

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Research Publish Journals

Abstract: This article discusses the nature of Completed Staff Work (CSW) for the enhancement of decision-making among State Universities and Colleges (SUCs) nationwide. Essential information regarding the different ways of managing the boss to achieve innovative decision-making has been described. This includes the presentation and analysis on the different functions of Higher Education Institutions (HEIs) and HEI managers in both macro and micro levels, managing the managers for professional success, counter-dependent and over-dependent behavior among staff, developing and managing the superior-subordinate relationship, how to get proposals be approved and being a part of the solution of a certain problem. In addition, this paper expounds the features concerning the doctrine of CSW which includes the origin, developments and importance of CSW, the role of the CSW experts and stakeholders including the processes involved in CSW. Developing more awareness on the importance of decision-making and the principles of CSW and their application in collaboration with the stakeholders may contribute for better performance and efficiency in the attainment of organizational vision, mission, goals and objectives leading to quality service and productivity.

Keywords: Completed Staff Work, Decision-Making, Higher Education Institutions, State Universities and Colleges.

Title: Enhancing Decision-Making among State Universities and Colleges through Completed Staff Work: A Content Analysis

Author: Joanie T. Haramain

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Research Publish Journals

Abstract: This study aimed to evaluate the extent of implementation of total quality management system of small hotels in Region VI and likewise identify problems in the implementation of quality management initiatives. The findings of the study endeavored to design a total quality management model to be adopted by small hotels, of Region VI. The focus of this study was confined to the Total Quality Management constructs which includes, customer focus, continuous improvement, process approach, management by fact, strategic management, leadership and employee involvement as variables in assessing the extent of compliance of small hotels. The study used the descriptive method in gathering data with the questionnaires as the main instrument and utilized stratified random sampling technique in selecting the respondent coming from different provinces. The study used four (4) point Likert – Scale and distributed among the participants. The data gathered were statistically treated with the accurate tools to be able to determine the significant difference between and among the ratings of respondents according to category and across provinces. Finding showed that almost of the TQM constructs which includes, Customer Focus, Continuous Improvement , and Strategic Management got the ratings which is interpreted as “Very High Extent” while Process Orientation , Management by fact, Leadership and Employee Involvement have a ratings which is interpreted as “ High Extent”. The ratings of the respondents reflected the adherence to the required TQM standards and practices implementation since the entire construct are important criteria for a good quality management of an organization or company. Statistically the results arrived at the conclusion that there were significant differences in all the aspects of Total Quality Management constructs as rated by the respondents according to category and across provinces, thus the null hypothesis were rejected. Moreover, results revealed that the three provinces in Region VI vary differently in the implementation of TQM wherein Iloilo got the highest rating of “Very High Extent”. Top management and Rank in files rated differently the problems they have encountered.

Keywords: Total Quality Management, Competitive Advantage, Small hotels, Accreditation, Top Management.

Title: A Total Quality Management (TQM) Model for Small Hotels in Achieving Competitive Advantage

Author: BARBARA P. TABANGCURA, DBM-HM, DR. MARIA ROCHELLE G. DIVINAGRACIA

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Research Publish Journals