VOLUME NO. 1 (2010), ISSUE NO.

6 (OCTOBER) ISSN 0976-2183


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A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
Cround lloor, 8ulldlna no. 1041-C-1, uevl 8hawan 8azar, !ACAuP8l - 133 003, ?amuna naaar, Parvana, lnulA
www.l[rcm.ora.ln
CONTENTS
Sr. No. Title & Name of the Author (s) Page No.
1. ÞkCDUC1IVI1¥ AND 1nL LIILC1 CI 1AkA1ICN CN LCCNCMIC GkCW1n IN NIGLkIA
COuwlN cnlCO2l£ OklAkA
6
2. AÞÞkAI5AL CI LN1kLÞkLNLUk5nIÞ DLVLLCÞMLN1 ÞkCGkAMML5 IN NCk1n LA51 INDIA WI1n
ÞAk1ICULAk kLILkLNCL 1C 1kIÞUkA
uk. 5u8kA1A u£8NA1n
7
3. A11I1UDINAL AND 8ICGkAÞnICAL IAC1Ck5 kL5ÞCN5I8LL ICk LAÞ5L5 CCCUkING IN 1nL LIIL
IN5UkANCL 5LC1Ck: A CA5L 51UD¥ CI NCk1n WL51 nAk¥ANA
uk. vlkA5 uAk)Al. Mk5. CAklMA Cul1A & M5. lkA8nIO1 kAuk lAM8A
8
4. kCLL CI 5LLI nLLÞ GkCUÞ5 (5nÞ5) IN WCMLN LMÞCWLkMLN1 - AN LMÞIkICAL 51UD¥
uk. C. 5uuAk5ANA k£uu)
9
5. 51CCk kL1UkN5 AND MAkkL1 LIIICILNC¥: AN LMÞIkICAL 51UD¥ CN INDIAN 51CCk MAkkL1
kOu51u8n kAN1l kA)
10
6. A CCMÞAkA1IVL 51UD¥ CI CkGANI2A1ICNAL CnANGL ML1nCDCLCGIL5 AND AÞÞkCACnL5
uk. 5uNll kuMAk
11
7. kLLA1ICN5nIÞ 8L1WLLN 51CCk ÞkICL AND LkCnANGL kA1L IN INDIA
5. 5)£u AnAM£u. uk. k. cnANukA5£knAkA kAO & uk. MAlA8lkA u£O
12
8. ÞCk1ICLIC CÞ1IMI2A1ICN U5ING DA1A LNVLLCÞMLN1 ANAL¥5I5 & 5nAkÞL'5 ML1nCD
nAk£NukA 5lNCn
13
9. LNVIkCNMLN1 MANAGLMLN1 5¥51LM IN INDIAN ICCD ÞACkAGING INDU51k¥: VAkIA8LL
IDLN1IIICA1ICN AND 5LLLC1ICN
AkcnANA 5n£knAwA1 & lkOl. (uk.) N.v.MukAllunAk kAO
14
10. 85L AND 5LC1CkAL INDICL5: A CCMÞAkI1IVL 51UD¥
M.MAunAvl & kAunlkA.kAAvl
15
11. LkM: A kL¥ 1C 1nL 5UCCL55 CI CkM
uk IAkkA 5uk£5n k£uu) & c. 5. IA)AN1nl lkA5Au
16
12. ÞC51 - ÞkCDUC1IVI1¥ ÞLkICkMANCL CI INDIAN L5CÞ ÞnAkMACLU1ICAL CCkÞCkA1L 5LC1Ck
uk. kAM£5n kuMAk unlMAN. uk. 5uk£Nu£k kuMAk Cul1A & uk. 5ukl£Nu£k kuMAk NAClA
17
13. IINANCIAL INCLU5ICN: CLD WINL IN NLW 8C11LL
uk. CAukAv ACCAkwAl. lkOl. 5uunlk 5Ak5£NA & M5. 5A1lNu£k kAuk
18
14. WCkkING CAÞI1AL MANAGLMLN1 AND ÞkCII1A8ILI1¥ - CA5L CI INDIAN ÞL1kCCnLMICAL5
CCMÞAN¥- kIL, nÞCL, GAIL
lkAkA5n cnAwlA. 5ANun)A nAkkAwA1 & llA5 knAlkNAk
19
15. kLLA1ICN5nIÞ 8L1WLLN III & 5LN5Lk (IANUAk¥ 2007-DLCLM8Lk 2009)
uk. IlMM) kAlAulA. M5. lOOIA lA1£l & Mk. 8nAvlk lANcnOll
20
16. A 51UD¥ CI IINANCIAL ÞLkICkMANCL CI 5LLLC1 INDIAN 5CnLDULLD CCMMLkCIAL 8ANk5 U5ING
CAMLL5 ML1nCDCLCG¥ ICk 2006-2010
lkOl. 5v£1lANA 1A1u5kAk
21
17. ÞA55LNGLk'5 A11I1UDL & 5A1I5IAC1ICN IN kAILWA¥5 (5ÞLCIAL kLILkLNCL 1C CCIM8A1CkL kLGICN)
uk. N. 8nAkA1nl
22
18. MLA5UkING CUALI1¥ CI WCkk LIIL: AN IN1LGkA1ICN CI CCNCLÞ1UAL kLLA1ICN5nIÞ WI1n
ÞkCDUC1IVI1¥
l. MOnANkAI & k. kAM£5n
23
19. L-8ANkING MANAGLMLN1: IMÞAC1, kI5k5, 5LCUkI1¥
Mk5. 8nAvNA 8AIlAl
24
20 1nL INDIAN kUkAL MAkkL1 - AN UN1AMLD 1IGLk
lkOl. Akll1 k. lO)A
25
kLCUL51 ICk ILLD8ACk 26
VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
2
cnl£l P41kON
ÞkCI. k. k. AGGAkWAL
lounder vlce-Chancellor, C. C. S. lndraprasLha unlverslLv, uelhl
Lx. Þro vlce-Chancellor, Curu !ambheshwar unlverslLv, Plsar (Pr.)
P41kON
5n. kAM 8nAIAN AGGAkWAL
Lx. SLaLe MlnlsLer for Pome & 1ourlsm, CovernmenL of Parvana
ÞresldenL, Covernlna 8odv, valsh Colleae, 8hlwanl
vlce-ÞresldenL, uadrl LducaLlon SocleLv, Charkhl uadrl
ÞresldenL, Chlnar SvnLex LLd., 8hlwanl (1exLlle Mllls)
cO-OkulN41Ok
Dk. 5AM8nAV GAkG
laculLv, M. M. lnsLlLuLe of ManaaemenL
Maharlshl Markandeshwar unlverslLv, Mullana, Ambala, Parvana
4uvl5Ok5
- ÞkCI. M. 5. 5LNAM kAIU
ulrecLor A. C. u., S.C.M.S., l.C.n.C.u., new uelhl
- ÞkCI. M. N. 5nAkMA
Chalrman, M.8.A., Pr. Colleae of 1ech. & MaL., kalLhal
- ÞkCI. ÞAkVLLN kUMAk
ulrecLor, M.C.A., MeeruL lnsL. of Lna. & 1ech., MeeruL, u. Þ.
- ÞkCI. n. k. 5nAkMA
ulrecLor, ChhaLarpaLl Shlva[l lnsLlLuLe of 1echnoloav, uura, (C.C.)
- ÞkCI. 5. L. MAnANDkU
Þrlnclpal (8eLd.), Mahara[a Aarasen Colleae, !aaadhrl
- ÞkCI. MANCnAk LAL
ulrecLor & Chalrman, S.C.C.l.S., l.C.n.C.u., new uelhl
£ul1Ok
- ÞkCI. k. k. 5nAkMA
1ecnla lnsL. of Advanced SLudles, uelhl
cO-£ul1Ok
- Dk. A5nCk knUkANA
AssoclaLe Þrofessor, C. n. khalsa Colleae, ?amunanaaar
£ul1Okl4L 4uvl5OkY 8O4ku
- Dk. AM8IkA 2U15nI
laculLv, School of ManaaemenL & MarkeLlna, ueakln unlverslLv, AusLralla
- Dk. VIVLk NA1kAIAN
laculLv, Lomar unlverslLv, u.S.A.
- ÞkCI. 5ANIIV MI11AL
u.S.M.S., Curu Coblnd Slnah l. Þ. unlverslLv, uelhl
- ÞkCI. kkI5nAN CnAND MI11AL
S.C.M.S., Þun[abl unlverslLv, ÞaLlala, Þun[ab
- ÞkCI. 5A1I5n kUMAk
uean (ManaaemenL), Calaxv Clobal Croup of lnsLlLuLlons, ulnarpur, Ambala
- ÞkCI. kC5nAN LAL
M. M. l.M., M. M. unlverslLv, Mullana
- ÞkCI. ANIL k. 5AINI
Chalrperson (C8C), Curu Coblnd Slnah l. Þ. unlverslLv, uelhl
- Dk. 1LIINDLk 5nAkMA
8eader, kuruksheLra unlverslLv, kuruksheLra
- Dk. kUL8nU5nAN CnANDLL
8eader, Plmachal Þradesh unlverslLv, Shlmla, Plmachal Þradesh
- Dk. A5nCk kUMAk CnAUnAN
8eader, ueparLmenL of Lconomlcs, kuruksheLra unlverslLv, kuruksheLra
- Dk. 5AM8nAVNA
laculLv, l.l.1.M., uelhl
- Dk. MCnINDLk CnAND
VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
3
AssoclaLe Þrofessor, kuruksheLra unlverslLv, kuruksheLra
- Dk. MCnLNDLk kUMAk GUÞ1A
AssoclaLe Þrofessor, Þ.!.L.n. CovL. Colleae, larldabad
- Dk. VIVLk CnAWLA
AssoclaLe Þrofessor, kuruksheLra unlverslLv, kuruksheLra
- Dk. VIkA5 CnCUDnAk¥
AssL. Þrofessor, n.l.1. (unlverslLv), kuruksheLra
- Dk. 5nIVAkUMAk DLLNL
AssL. Þrofessor, CovL. l. C. Colleae ChlLauppa, 8ldar, karnaLaka
455Ocl41£ £ul1Ok5
- ÞkCI. NAWA8 ALI knAN
ueparLmenL of Commerce, Allaarh Musllm unlverslLv, Allaarh
- ÞkCI. A8nA¥ 8AN5AL
Pead, ueparLmenL of l.1., AmlLv School of Lna. & 1ech., AmlLv unlverslLv, nolda
- Dk. ÞAkDLLÞ AnLAWA1
8eader, l.M.S.A.8., Maharshl uavanand unlverslLv, 8ohLak
- 5UkUCnI kALkA CnCUDnAk¥
Pead, uepL. of Lna., Plndu Clrls Colleae, !aaadhrl
- ÞAkVLLN knUkANA
AssoclaLe Þrofessor, M. L. n. Colleae, ?amuna naaar
- 5nA5nI knUkANA
AssoclaLe Þrofessor, S.M.S.k.L.C. Colleae, 8arara, Ambala
- 5UNIL kUMAk kAkWA5kA
vlce-Þrlnclpal, uefence Colleae of LducaLlon, 1ohana, laLehabad
- 8nAVL1
LecLurer, M. M. lnsLlLuLe of ManaaemenL, Maharlshl Markandeshwar unlverslLv, Mullana
1£cnNlc4L 4uvl5Ok5
- Dk. A5nWANI kU5n
Pead, CompuLer Sclence, unlverslLv Colleae, kuruksheLra unlverslLv, kuruksheLra
- Dk. 8nAkA1 8nU5nAN
Pead, ueparLmenL of CompuLer Sclence & AppllcaLlons, C. n. khalsa Colleae, ?amunanaaar
- Dk. VIIA¥ÞAL 5INGn DnAkA
Pead, ueparLmenL of CompuLer AppllcaLlons, lnsLlLuLe of ManaaemenL SLudles, nolda
- Dk. A5nCk kUMAk
Pead, ueparLmenL of LlecLronlcs, u. A. v. Colleae (Lahore), Ambala ClLv
- Dk. A5nI5n ICLL¥
Pead, CompuLer ueparLmenL, S. A. !aln lnsLlLuLe of ManaaemenL & 1echnoloav, Ambala ClLv
- MCnI1A
LecLurer, ?amuna lnsL. of Lna. & 1ech., vlllaae Cadholl, Þ. C. Cadhola, ?amunanaaar, Parvana
- AMI1A
LecLurer, L.C.C., Safldon, !lnd
- MCNIkA knUkANA
AssoclaLe Þrofessor, Plndu Clrls Colleae, !aaadhrl
- A5nI5n CnCÞkA
Sr. LecLurer, uoon vallev lnsLlLuLe of Lnalneerlna & 1echnoloav, karnal
- 5AkL1 8nAkDWAI
LecLurer, Parvana Lnalneerlna Colleae, !aaadhrl
- NAkLNDLkA 5INGn kAMkA
laculLv, !.n.v., Þabra, Plsar
- DICkIN GC¥AL
AdvocaLe & 1ax Advlser, # 874, Sec. - 8, Þanchkula
- NLLNA
lnvesLmenL ConsulLanL, ChambaahaL, Solan, Plmachal Þradesh
L£64L 4uvl5Ok5
- II1LNDLk 5. CnAnAL
AdvocaLe, Þun[ab & Parvana Plah CourL, Chandlaarh u.1.
- CnANDLk 8nU5nAN 5nAkMA
AdvocaLe & ConsulLanL, ulsLrlcL CourLs, ?amunanaaar aL !aaadhrl
VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
4
CALL ICk Ak1ICLL5/kL5LAkCn ÞAÞLk5
We lnvlLe orlalnal research papers ln Lhe area of flnance, markeLlna, P8M, 8anklna, lnsurance, and oLher allled sub[ecLs. 1he
above menLloned Lracks are onlv lndlcaLlve, and noL exhausLlve. 1he [ournal expecLs unpubllshed and orlalnal quallLv research
arLlcles/papers onlv.
?ou mav submlL vour arLlcles/papers aL Lhe emall addresses, lnfo«l[rcm.ora.ln or lnfol[rcm«amall.com.
GUIDLLINL5 ICk 5U8MI55ICN CI Ak1ICLL/ÞAÞLk
1. CCVLkING LL11Lk ICk 5U8MI55ICN:
1he Ld|tor
l!8CM

Sub[ecL: 5ubm|ss|on of Manuscr|pt.

Dear 5|r/Madam,
llnd mv submlsslon of research paper/arLlcle for posslble publlcaLlons ln vour e-[ournal.
l herebv afflrm LhaL Lhe conLenL of Lhls manuscrlpL are orlalnal. lurLhermore lL has been nelLher publlshed elsewhere fullv or parLlallv or anv
lanauaae nor submlLLed for publlcaLlon (fullv or parLlallv) elsewhere slmulLaneouslv.
l afflrm LhaL Lhe all auLhor (s) have seen and aareed Lo Lhe submlLLed verslon of Lhe paper and Lhelr lncluslon of name(s) as co-auLhor(s).
Also, lf our research paper/arLlcle accepLed, l/We aaree Lo complv wlLh Lhe formallLles as alven on Lhe webslLe of [ournal & vou are free Lo
publlsh our conLrlbuLlon Lo anv of vour Lwo [ournals l.e. lnLernaLlonal !ournal of 8esearch ln Commerce & ManaaemenL or lnLernaLlonal !ournal
of 8esearch ln CompuLer AppllcaLlon & ManaaemenL..
Name of Correspond|ng Author (s)
AfflllaLlon:
Malllna address:
Moblle number (s):
Landllne number (s):
L-mall Address (s):
2. IN1kCDUC1ICN: ManuscrlpL musL be ln Lnallsh prepared on a sLandard A4 slze paper seLLlna. lL musL be prepared on a double space
and slnale column wlLh 1" maraln seL for Lop, boLLom, lefL and rlahL. lL should be Lvped ln 12 polnL-1lmes new 8oman lonL wlLh paae numbers
aL Lhe boLLom and cenLre of Lhe everv paae.
3. MANU5CkIÞ1 1I1LL: 1he LlLle of Lhe paper should be ln a 14 polnL 1lmes new 8oman lonL. lL should be bold Lvped, cenLered and
fullv caplLallsed.
4. AU1nCk NAML(5) & AIIILIA1ICN5: 1he auLhor(s) full name, afflllaLlon(s), moblle/landllne numbers, and emall/alLernaLe emall
address should be ln 10-polnL 1lmes new 8oman. lL musL be cenLered underneaLh Lhe LlLle.
3. A851kAC1: AbsLracL should be ln fullv lLallclzed LexL, noL exceedlna 300 words. 1he absLracL musL be lnformaLlve and explaln
backaround, alms, meLhods, resulLs and concluslon.
6. kL¥WCkD5: AbsLracL musL be followed bv llsL of kevwords, sub[ecL Lo Lhe maxlmum of flve. 1hese should be arranaed ln alphabeLlc
order separaLed bv commas and full sLop aL Lhe end.
7. nLADING5: All Lhe headlnas and sub-headlnas should be ln a 12 polnL-1lmes new 8oman lonL. 1hese musL be bold-faced, allaned
lefL and fullv caplLallsed. Leave a blank llne before each headlna.
8. MAIN 1Lk1: 1he maln LexL should be ln a 12 polnL-1lmes new 8oman lonL, slnale spaced, fullv [usLlfled.
9. IIGUkL5 &1A8LL5: 1hese musL be slmple, cenLered & numbered, and Lable LlLles musL be above Lhe Lables. Sources of daLa should
be menLloned below Lhe Lable.
VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
3
10. kLILkLNCL5: 1he llsL of all references should be alphabeLlcallv arranaed. 1he auLhor (s) should menLlon onlv Lhe acLuallv uLlllsed
references ln Lhe preparaLlon of manuscrlpL and Lhev are supposed Lo Parvard SLvle of 8eferenclna. 1he llsL of all references should be
alphabeLlcallv arranaed. 1he auLhor (s) should menLlon onlv Lhe acLuallv uLlllsed references ln Lhe preparaLlon of manuscrlpL and Lhev are
supposed Lo follow Lhe references as per followlna:
• All works clLed ln Lhe LexL (lncludlna sources for Lables and flaures) should be llsLed alphabeLlcallv.
• use (ed.) for one edlLor, and (ed.s) for mulLlple edlLors.
• When llsLlna Lwo or more works bv one auLhor, use --- (20xx), such as afLer kohl (1997), use --- (2001), eLc, ln chronoloalcallv
ascendlna order.
• lndlcaLe (openlna and closlna) paae numbers for arLlcles ln [ournals and for chapLers ln books.
• noLe LhaL lLallcs are used onlv for LlLles of books and names of [ournals. uouble quoLaLlon marks are used for LlLles of [ournal arLlcles,
book chapLers, dlsserLaLlons, reporLs, worklna papers, unpubllshed maLerlal, eLc.
• lor LlLles ln a lanauaae oLher Lhan Lnallsh, provlde an Lnallsh LranslaLlon ln parenLheses.
• use endnoLes raLher Lhan fooLnoLes.
• 1he locaLlon of endnoLes wlLhln Lhe LexL should be lndlcaLed bv superscrlpL numbers.
• lor sources whlch have lnsufflclenL deLalls Lo be lncluded ln Lhe 8eference, use endnoLes (such as lnLervlews, some medla sources,
some lnLerneL sources).
5ee the fo||ow|ng for sty|e and punctuat|on |n keferences:
8ooks
• 8owersox, uonald !., Closs, uavld !., (1996), "LoalsLlcal ManaaemenL." 1aLa McCraw, Plll
• Punker, P.L. and A.!. WrlahL (1963), "lacLors of lndusLrlal LocaLlon ln Chlo," Chlo SLaLe unlverslLv.
Contr|but|ons to books
• Sharma 1., kwaLra, C. (2008) LffecLlveness of Soclal AdverLlslna: A SLudv of SelecLed Campalans, CorporaLe Soclal 8esponslblllLv,
LdlLed bv uavld CrowLher & nlcholas Capaldl, AshaaLe 8esearch Companlon Lo CorporaLe Soclal 8esponslblllLv, ChapLer 13, pp 287-303.
Iourna| and other art|c|es
• Schemenner, 8.W., Puber, !.C. and Cook, 8.L. (1987), "Ceoaraphlc ulfferences and Lhe LocaLlon of new ManufacLurlna laclllLles,"
!ournal of urban Lconomlcs, vol. 21, no. 1, pp. 83-104.
• klran 8avl, kaur ManpreeL (2008), Clobal CompeLlLlveness and 1oLal lacLor ÞroducLlvlLv ln lndlan ManufacLurlna, lnLernaLlonal
!ournal of lndlan CulLure and 8uslness ManaaemenL, vol. 1, no.4 pp. 434-449.
Conference papers
• Chandel k.S. (2009): "LLhlcs ln Commerce LducaLlon." Þaper presenLed aL Lhe Annual lnLernaLlonal Conference for Lhe All lndla
ManaaemenL AssoclaLlon, new uelhl, lndla, 19-22 !une.
Unpub||shed d|ssertat|ons and theses
• kumar S. (2006): "CusLomer value: A ComparaLlve SLudv of 8ural and urban CusLomers," 1hesls, kuruksheLra unlverslLv.
Cn||ne resources
• Alwavs lndlcaLe Lhe daLe LhaL Lhe source was accessed, as onllne resources are frequenLlv updaLed or removed.
Webs|te
• kelkar v. (2009): 1owards a new naLuLal Cas Þollcv, Lconomlc and ÞollLlcal Weeklv, vlewed on 11 SepLember 2009
hLLp://epw.ln/epw/user/vlewabsLracL.[sp
VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
6
ÞkCDUC1IVI1¥ AND 1nL LIILC1 CI 1AkA1ICN CN LCCNCMIC GkCW1n IN NIGLkIA

GCDWIN CnIGC2IL CkÞAkA
uLÞA81MLn1 Cl 8AnklnC Anu llnAnCL
A8lA S1A1L unlvL8Sl1?
U1UkU- NIGLkIA

A851kAC1
1bls popet sets oot to exomloe tbe ptoJoctlvltv ooJ effect of toxotloo oo ecooomlc otowtb of Nloetlo.
1be ooestloo of wbetbet tox pollcv teolme effotts bove lmptoveJ tbe flexlbllltv of tbe tox svstem ooJ bow
fot toxotloo bos leJ to ecooomlc otowtb of Nloetlo ls tbe ceottol focos of tbe popet. 1o ocbleve oot
objectlves. loo-ttoosfotmotloo moJels of tox teveooes ooJ tbelt boses wete oseJ to estlmote tbe
boovoocv of toxotloo wblle fotmolotloo o Jlsctetloootv moltlpllet to lsolote tbe effect of Jlsctetloootv
cboooes lo tox pollcv oo tox teveooe lo otJet to colcolote tbe elostlcltv of toxes. 1o ossess tbe lmpoct of
toxotloo oo ecooomlc otowtb. we emploveJ tbe two-stooe leost soootes metboJ oo o set of
slmoltooeoos eoootloos wblcb wos foooJ to be ovet lJeotlfleJ ooJet botb tbe otJet ooJ took cooJltloos
fot lJeotlflcotloo. Oot empltlcol ooolvsls teveols tbot tbooob tbe compoov locome tox ooJ exclse tox
seem ptomlsloo. tbe oeoetol tox svstem ls loflexlble ooJ mov oot ptoJoce tbe JeslteJ objectlve. lf lt
sboolJ be oseJ fot cottectloo of flscol lmbolooces. lt ls olso foooJ tbot blobet toxes Jlscootooe tbe
otowtb lo copltol stock wblcb bv ltself ls o posltlve fooctloo of ecooomlc otowtb. 1oxes otteooote lobot
sopplv otowtb wblcb exetts o posltlve ooJ sloolflcoot lmpoct oo ecooomlc otowtb. 1be ootbot tbetefote
tecommeoJs tbot to ocbleve o flexlble tox pollcv. tbe oovetomeot sboolJ eosote tbot evetv loJlvlJool tox
ls JeslooeJ. so tbot lts vlelJ ls tespooslve to ootloool locome (ot lts bose) cboooes. Also oovetomeot
sboolJ teftolo ftom tbe ose of blobet toxes especlollv wbete tbev offect lobot ooJ copltol.





















VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
7
AÞÞkAI5AL CI LN1kLÞkLNLUk5nIÞ DLVLLCÞMLN1 ÞkCGkAMML5 IN NCk1n LA51 INDIA
WI1n ÞAk1ICULAk kLILkLNCL 1C 1kIÞUkA

Dk. 5U8kA1A DL8NA1n
MAnACL8 (PuMAn 8LSCu8CL uLvLLCÞMLn1)
18lÞu8A S1A1L LLLC18lCl1? CC8ÞC8A1lCn LlMl1Lu
1kIÞUkA - 799001

A851kAC1
£ottepteoeotsblp wotks os o Jooble eJoeJ weopoo fot soclo-ecooomlc Jevelopmeot. lo ooe booJ. lt ls
tbe kev fot ecooomlc otowtb of oov teoloo ooJ oo tbe otbet booJ. lt oot oolv oeoetotes oppottooltv fot
self emplovmeot bot olso spowos job oppottooltv fot otbets. 1be sloolflcooce of eottepteoeotsblp ls mote
keeolv felt lo tbe eto of olobollzotloo Joe to eoctoocbmeot of bl-tecb bl-toocb tecboolooles ovet bomoo
jobs tbtooob ootomotloo os o tesolt of boomloo lo tbe lofotmotloo 1ecbooloov sectot. keJoctloo of job
oppottooltv lo oovetomeot sectot os well os lo tbe cotpotote sectot ooJ olobol popolotloo explosloo
vlttoollv compels tbe oovetomeots to olve mote empbosls oo eottepteoeotsblp Jevelopmeot.
cooslJetloo tbe lmpottooce of ptlvote eotetptlse lo occeletotloo tbe poce of ecooomlc otowtb. tbe
Covetomeot of loJlo bos olteoJv stotteJ eocootooloo tbe Jevelopmeot of eottepteoeotlol octlvltles bv
cooJoctloo £ottepteoeotsblp uevelopmeot ltootommes (£uls) tbtooob votloos oovetomeot ooJ ooo-
oovetomeot ptomotloool ooeocles. 1be mojot tbtost of tbls wlJe oet wotk of loltlotlve ls to btloo ooJ
lofose tbe Jtlve ooJ motlvotloool lopot lo tbe voooo mloJs to embtoce tbe eottepteoeotsblp os coteet bv
cbolce. AccotJloo to tbe 2002 Clobol £ottepteoeotsblp Mooltot kepott. loJlo tookeJ 2oJ oot of J7
pottlclpotloo ootloos oo tbe level of eottepteoeotlol ptopeosltv wltb o 1otol £ottepteoeotlol Actlvltv
loJex of 17.9X. nowevet. fot tbe ovetoll Jevelopmeot of oov cooottv. tbe teolooollv bolooceJ ecooomlc
otowtb ls loevltoble. 8ot tbe pet coplto locome of oottbeost loJlo ls mocb less tboo tbe ootloool ovetooe
wblcb sloolfles tbot tbe N£ teoloo ls stlll bockwotJ tboo otbet potts of tbe cooottv oltbooob oometoos
£uls ote cooJoctloo lo tbls teoloo sloce looo. Aoolost tbls bock Jtop. oo ottempt bos beeo moJe tbtooob
tbls popet to blobllobt eottepteoeotsblp Jevelopmeot effotts lo oottbeost loJlo ooJ to opptolse tbe
votloos £uls otooolzeJ ooJ cooJocteJ lo tbe teoloo wltb pottlcolot tefeteoce to 1tlpoto.


















VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
8
A11I1UDINAL AND 8ICGkAÞnICAL IAC1Ck5 kL5ÞCN5I8LL ICk LAÞ5L5 CCCUkING IN 1nL LIIL
IN5UkANCL 5LC1Ck: A CA5L 51UD¥ CI NCk1n WL51 nAk¥ANA

Dk. VIkA5 DAk¥AL
ul8LC1C8
1lLAk 8A! CPAuPA lnS1l1u1L Cl MAnACLMLn1 & 1LCPnCLCC?
M. L. n. CCLLLCL LuuCA1lCnAL CCMÞLLx
¥AMUNA NAGAk - 135 001

Mk5. GAkIMA GUÞ1A
ASSlS1An1 Þ8ClLSSC8
!AlÞu8lA lnS1l1u1L Cl MAnACLMLn1 S1uulLS
GnA2IA8AD

M5. ÞkA8nIC1 kAUk LAM8A
MAnACLMLn1 18AlnLL
AxlS 8Ank
5AnAkANÞUk

A851kAC1
costomet sotlsfoctloo. costomet lovoltv ooJ lofloeotlol motketloo compoloo bove beeo tteoteJ os
lmpottoot potometets fot o compoov´s cootlooeJ sotvlvol ooJ to sttooo fotote otowtb. lo eotllet oloetles
Joto mloloo tbtooob lts pteJlctlve moJelloo tecbolooes btloo tevolotloootv otow lo tbe bookloo sectot.
8ot. oftet tevlewloo moov teseotcb popets. teseotcbet feels tbot tbete ls vetv less wotk Jooe oo
losotooce sectot. especlollv oo llfe losotooce sectot lo cootext of loJlo. 5o tbls popet ls oo ottempt to
stoJv tbls vltolo sectot. 1bls popet ls teseotcbeJ bv keeploo lo vlew tbe two ospects. Ooe ospect ls
coocetoeJ wltb tbe llfe losotooce costomets ooJ otbet ooe ls llfe losotooce setvlce ptovlJet. Now- o -
Jovs lt ls boppeoloo tbot Joe to otttoctlve oJvettlsemeot sttoteoles. mote tetotos ooJ bettet setvlces, o
oew ot oo exlstloo llfe losotooce ptoJoct ls oettloo ttemeoJoos popolotltv lo tbe costomet motket. 1bls
loslsts o costomet to swltcb ftom ooe llfe losotooce setvlce ptovlJet to oootbet. 5lmllotlv tbete ote
cettololv moov otbet teosoos Joe to wblcb o costomet sotteoJets bls llfe losotooce pollcles. 1be otbet
ospect olms to llfe losotooce setvlce ptovlJets wbo oeoetollv fotfelts tbe llfe losotooce pollcv, wbeo o
costomet moke oov cooceolmeot of focts ot feels Jlfflcoltv lo povloo tbe ptemlom omooot ot ooe ot tbe
otbet teosoo. 1be ptoctlcol Jotoset. wblcb ooJettokes 6J ottltoJlool & 8 Jemootopblc foctots ote
ooolvzeJ bv loctot Aoolvsls. moltlple teotessloo & Aoovo to exomloe tbe lotetJepeoJeot telotloosblps.
1be molo floJloos of tbls stoJv sbow tbot purchose indecisiveness, informotion di/emmo, c/ient
servicino throuoh compony ond 5uperf/uous benefits ote tbe mojot foctots fot swltcbloo/ fotfeltote ooJ
sotteoJet of llfe losotooce pollcles lo loJlo.












VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
9


Dk. G. 5UDAk5ANA kLDD¥
Þ8ClLSSC8 ln MAnACLMLn1
SLSPAu8lÞu8AM lnS1l1u1L Cl MAnACLMLn1 S1uulLS (SlMS)
C. A. Sl1L nC. 26, ?LLAPAnkA nLW 1CWn
8ANGALCkL- 560 106

A851kAC1
Mlcroflnance proarams llke Lhe Self Pelp 8ank Llnkaae Þroaram ln lndla, have been lncreaslnalv
promoLed for Lhelr poslLlve economlc lmpacL and Lhe bellef LhaL Lhev empower women. 1he presenL
paper ls an aLLempL Lo analvze Lhe lmpacL of self-help aroups on women empowermenL ln 8anaalore
8ural ulsLrlcL, karnaLaka. 1he sLudv uses varlous lndlcaLors llke women's household declslon-maklna
power, flnanclal auLonomv, freedom of movemenL, pollLlcal parLlclpaLlon, accepLance of unequal aender
role, exposure Lo medla, access Lo educaLlon, and experlence of domesLlc vlolence. 1he daLa requlred
for Lhe sLudv collecLed Lhrouah Lhe dlsLrlbuLlon of sLrucLured quesLlonnalre Lo 300 SPCs women
members. 1he sLudv reveals LhaL women members of SPCs are empowered and buL Lhe level of
empowermenL ls less. 1hev have Laken conLrol over Lhelr loans and Lhere are able Lo manaae Lhem,
parLlclpaLed ln purchase declslons ln Lhe aroup and prlclna of flnal producLs ln Lhe SPC and also aL
home, Lhelr self-confldence and moblllLv have lmproved, undersLand Lhe lmporLance of nuLrlLlon ln Lhe
household, Laklna beLLer care of healLh and hvalene of Lhelr famllv, Lhev feel LhaL Lhelr flnanclal
problems aL home have came down, Lhev are aware of Lhe local aovernmenL offlclal, a Member of
LealslaLlve Assemblv, a Member of ÞarllamenL, and Lhe Þrlme MlnlsLer, and Lhev are also aware of Lhe
leaal procedures - llke a man beaLlna hls wlfe, a man dlvorclna or abandonlna hls wlfe, unfalr waaes,
unfalr prlces, hlah-handedness of pollce or aovernmenL offlclals. 1he sLudv concludes LhaL SPCs women
members ln 8anaalore 8ural ulsLrlcL, karnaLaka, have empowered.



















kCLL CI 5LLI nLLÞ GkCUÞ5 (5nÞ5) IN WCMLN LMÞCWLkMLN1 - AN LMÞIkICAL 51UD¥
VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
10
51CCk kL1UkN5 AND MAkkL1 LIIICILNC¥: AN LMÞIkICAL 51UD¥ CN INDIAN 51CCk MAkkL1

kCU51U8n kAN1I kA¥
ASSlS1An1 Þ8ClLSSC8 ln llnAnClAL MAnACLMLn1
lnulAn lnS1l1u1L Cl lC8LS1 MAnACLMLn1 (l.l.l.M.)
nLP8u nACA8
8nCÞAL - 462 003

A851kAC1
Moov teseotcb stoJles bove foooJ tbot cotpotote eveots bove oometoos effects oo tbe stock motket. lo
tbls teootJ tbe olm of tbls popet ls to test tbe seml-sttooo fotm of efflcleocv lo loJloo eooltv motket
followloo eveot stoJv opptoocb. 1be eveots cooslJeteJ lo tbls popet ote booos lssoes ooJ tlobts lssoes
tbot bove tokeo ploce lo tbe motket ftom 1996 to 2009. 1be two eveots ote olso beeo testeJ fot
obootmol tetotos ooJ lloolJltv. 1be Joto selecteJ ls ftee ftom tbe lmpoct of coofoooJloo eveots. Mloos
J0 to plos J0 Jovs lovestlootloo wloJow ls tokeo fot oll tbe eveots to test obootmol tetotos ooJ to test
tbe cboooe lo lloolJltv. 1be tesolts soooest tbot tbe loJloo motket ls efflcleot lo lts seml-sttooo fotm wltb
tespect to booos lssoe oooooocemeots oolv. lo cose of cboooe lo lloolJltv. booos lssoes sbow o sloolflcoot
cboooe lo lloolJltv ftom pte to post eveot petloJ ot 5 petceot level of sloolflcooce. 8ot lo cose of tlobts
lssoe. tbete ls oo cboooe lo lloolJltv lo botb tbe petloJs.


























VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
11
A CCMÞAkA1IVL 51UD¥ CI CkGANI2A1ICNAL CnANGL ML1nCDCLCGIL5 AND AÞÞkCACnL5

Dk. 5UNIL kUMAk
ASS1. Þ8ClLSSC8
SCPCCL Cl MAnACLMLn1
CAu1AM 8uuuPA unlvL8Sl1?
GkLA1Lk NCIDA, U.Þ., INDIA

A851kAC1
Otooolzotloos of tbe 21st ceototv teollze tbot tbev sboolJ looovote lo otJet to sotvlve. cootempototv
otooolzotloos well ooJetstooJ tbe powet of cboooe ptocesses. tbot tbev bove oolv ooe optloo. cboooe to
sotvlve. lo tbls popet otooolzotloool cboooe tevolve otoooJ tbtee ossomptloos ooJ tbe fltst ossomptloo
ls oboot tbe eovltoomeot of tbe otooolzotloo. socletv ooJ lts sttoctote. tbe motket. tbe costomet ooJ
tecbooloov. 1be secooJ ossomptloo ls oboot tbe speclflc mlssloo of tbe otooolzotloos ooJ tbe tbltJ
ossomptloo ls oboot tbe cote competeocles oeeJeJ to occompllsb tbe otooolzotloo´s mlssloo. lt olso bos
beeo empboslzeJ lo tbe stoJv tbot tbose otooolzotloos ootlclpotloo cboooes ooJ tespooJloo oolcklv wlll
wlo. bot tbose ttvloo to teslst cboooe wlll loose. 1o soccessfollv oJopt to tbls cootlooooslv cboooloo
eovltoomeot. otooolzotloos most cootlooooslv looovote ooJ toke oo oew bosloess sttoteoles. £vetv
cboooe metboJoloov ttles to moke sote tbot tbe otooolzotloo loteoJeJ to cboooe wlll ocbleve tbe best
posltloo to be soccessfol. 8ecoose lofotmotloo ls tbe Jtlvloo fotce of otooolzotloos toJov. koowleJoe
mooooemeot bos become ctltlcol ptocess fot otooolzotloos. cboooe metboJolooles ose tbls oJvootooe
wltb tbelt molo focos oteo. 1OM. 8lk (8osloess ltocess keeooloeetloo). leotoloo Otooolzotloo. cbootJlc
Otooolzotloo. costomet locoseJ Otooolzotloo ooJ moov otbets lJeos bove beeo sommotlze. 8ot tbev
ptovlJe too llttle oolJooce oboot wbot tbe lmptoveJ otooolzotloo mlobt look llke. MetboJolooles
ptomlse looovotloo bot tbev lock tbe Jetolls oeeJeJ to occompllsb lt. 1be molo empboslze wos to olve o
compotlsoo of tbese metboJolooles ooJ opptoocbes oseJ fot otooolzotloool cboooe ooJ to ptovlJe o
Jesloo ptocess to oJopt o soltoble otooolzotloool cboooe metboJoloov.



















VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
12
kLLA1ICN5nIÞ 8L1WLLN 51CCk ÞkICL AND LkCnANGL kA1L IN INDIA

5. 5¥LD AnAMLD
8LSLA8CP SCPCLA8
uLÞA81MLn1 Cl CCMML8CL
ÞCnulCPL88? unlvL8Sl1?
ÞUDUCnLkk¥

Dk. k. CnANDkA5LknAkA kAC
Þ8ClLSSC8 Anu PLAu
uLÞA81MLn1 Cl 8AnklnC 1LCPnCLCC?
ÞCnulCPL88? unlvL8Sl1?
ÞUDUCnLkk¥

Dk. MALA8IkA DLC
Þ8ClLSSC8 Anu PLAu
uLÞA81MLn1 Cl CCMML8CL
ÞCnulCPL88? unlvL8Sl1?
ÞUDUCnLkk¥

A851kAC1
1be olobol meltJowo bos moJe o sttooo pltcb fot Jvoomlc llokooe betweeo excboooe tote ooJ stock
ptlces. 8ecoose of tbese ctlses. tbe wotlJ bos ootlceJ tbot emetoloo motket collopseJ Joe to sobstootlol
Jepteclotloo of bome cotteocv ooolost Jollots os well os Jtostlc foll lo tbe stock ptlces. 1be stoJv oses
Jollv Nll1) loJex ooJ excboooe tote (exptesseJ lo loJloo kopee pet u.5 .Jollot).1be stoJv ose Jollv Joto
fot tbe petloJ ftom Iooootv 2005 to uecembet 2009.1be stoJv oses Ctoooet coosolltv test to floJ tbe
llokooe betweeo two votlobles. 1be tesolts of Ctoooet coosolltv test. teveols tbot oolJltectloool os well
blJltectloool cosool telotloosblp betweeo tbe two stoJv votlobles lf ooe ooes bv loJlvlJool veot.

















VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
13
ÞCk1ICLIC CÞ1IMI2A1ICN U5ING DA1A LNVLLCÞMLN1 ANAL¥5I5 & 5nAkÞL'5 ML1nCD

nAkLNDkA 5INGn
ASS1. Þ8ClLSSC8
SCPCCL Cl MAnACLMLn1
LCvLL? Þ8ClLSSlCnAL unlvL8Sl1?
IALANDnAk

A851kAC1
uoe to tbe oJvoocemeot of lofotmotloo 1ecbooloov lt bos beeo eoslet fot lovestots to lovest volooble
mooev lo pottfollos. 1bete bos beeo ovollobllltv of tools & Joto oll tbe tlme to pteJlct tbe motket lo
Jeclsloo-mokloo. fot wblcb some moJels bove beeo JevelopeJ. wltb tbe tlootoos teseotcb lo tbls
otttoctlve toplc some motbemotlcol moJels bove beeo JevelopeJ & some moJels ftom otbet loJosttles
bove beeo cooslJeteJ. MoJels llke 5botpe. Ceoetlc Alootltbm. ooJ Moote-cotlo ote vetv belpfol lo
lovestmeot Jeclsloo mokloo. u£A moJel. otlolooteJ ftom ptoJoctloo loJosttv. belps lo selectloo
secotltles fot pottfollo. lo tbls popet we bove exoolsltelv ttleJ to floJ oot tbe best metboJ fot selectloo of
efflcleot secotltles osloo blstotlcol Joto of 85£-J0 loJosttles & compoteJ u£A. 5botpe´s moJel wltb
Motket. wblcb olves some excltloo tesolts fot fotote lovestmeot.





























VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
14
LNVIkCNMLN1 MANAGLMLN1 5¥51LM IN INDIAN ICCD ÞACkAGING INDU51k¥: VAkIA8LL
IDLN1IIICA1ICN AND 5LLLC1ICN

AkCnANA 5nLknAWA1
8LSLA8CP SCPCLA8
LCCnCMlCS Anu llnAnCL C8CuÞ
8l8LA lnS1l1u1L Cl 1LCPnCLCC? Anu SClLnCL (8.l.1.S.)
ÞILANI - 333 031

ÞkCI. (Dk.) N.V.MUkALIDnAk kAC
Þ8ClLSSC8, LCCnCMlCS Anu llnAnCL C8CuÞ & uLAn, LnClnLL8lnC PA8uWA8L ulvlSlCn
8l8LA lnS1l1u1L Cl 1LCPnCLCC? Anu SClLnCL (8.l.1.S.)
ÞILANI - 333 031

A851kAC1
ÞosL-LlberallzaLlon era has proved LhaL LradlLlonal reaulaLorv approaches reaardlna envlronmenL
proLecLlon has become lncapable Lo aLLaln Lhe declded ob[ecLlves. ueveloplna CounLrles, lndla, ln
parLlcular has weak norms and reaulaLlon reaardlna envlronmenL. LnvlronmenL manaaemenL pracLlces
ln lndla Lhese davs have been llmlLed Lo acqulrlna accredlLaLlons and presenL Lhemselves as areen ln Lhe
markeL wlLhouL acLuallv knowlna abouL Lhe Lerm ºLnvlronmenL ManaaemenL". 1hls paper ls parL of
auLhors research work. lL presenLs research aaps ln Lhe area of LnvlronmenL manaaemenL SvsLem (LMS)
Lhrouah Lhe process of llLeraLure survev and also ldenLlfles Lhe crlLlcal varlables and dlscusses Lhe
meLhodoloav Lo develop a hollsLlc model LMS ln lndlan lood Þackaalna, ln parLlcular.





















VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
13
85L AND 5LC1CkAL INDICL5: A CCMÞAkI1IVL 51UD¥

M.MADnAVI
ASSCClA1L Þ8ClLSSC8 Anu PLAu
Au8C8A'S Þ C CCLLLCL
8AMAn1PAÞu8
n¥DLkA8AD - 500 013

kADnIkA.kAAVI
ASSCClA1L Þ8ClLSSC8
uLÞA81MLn1 Cl 8uSlnLSS AuMlnlS18A1lCn
Cl1AM unlvL8Sl1?
n¥DLkA8AD

A851kAC1
1be olobol ecooomlc meltJowo bos lofloeoceJ oll tbe sectots of tbe loJloo ecooomv. lts lmpoct ls mote
vlslble oo tbe copltol motket ooJ tbe loJlces. 1be loJlces ote follloo Jowo ooJ tbe motkets ote followloo
tbe some tteoJ. 1be 85£ 5£N5£\ bos beeo tbe wotst blt omooo tbe loJloo stock motket loJlces. 1be otbet
sectotol loJlces ote olso followloo tbe 5£N5£\ ootll o tevlvol lo tbe lost ooottet. 8ecoose of tbe Jeclloloo
tteoJs lo tbe copltol motkets. tbe lovestots ote lo o Jllemmo wbetbet tbelt lovestmeots wlll be sofe ot
oot. £veo tbooob tbe sltootloo bos stoblllzeJ o llttle blt oow. stlll tbete ls oo omblooltv omooo tbe
lovestots oboot tbe petfotmooce of tbe loJlces. lo tbls bockJtop. oo ottempt wos moJe to stoJv tbe
petfotmooce of tbe sectotol loJlces lo compotlsoo wltb 5£N5£\. 1be ootbot bos tokeo tbe Joto of tbe lost
floooclol veot ooJ stoJleJ tbe cottelotloo coefflcleots to estobllsb tbe telotloosblp betweeo tbe selecteJ
sectotol loJlces ooJ 85£. 5lx leoJloo sectotol loJlces wete tokeo fot tbe ooolvsls. wblcb bove o sloolflcoot
lmpoct oo tbe totol ecooomlc sltootloo of tbe cooottv.













VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
16
LkM: A kL¥ 1C 1nL 5UCCL55 CI CkM

Dk IAkkA 5UkL5n kLDD¥
PLAu & ASSCClA1L Þ8ClLSSC8
uLÞA81MLn1 Cl 8uSlnLSS MAnACLMLn1
vlvLkAnAnuA CCLLLCL Cl CCMÞu1L8 SClLnCLS
CPA11AnÞALL?, SPAunACL8
MAnA8U8NAGLk - 509216

C. 5. IA¥AN1nI ÞkA5AD
ASSlS1An1 Þ8ClLSSC8
SCPCCL Cl MAnACLMLn1 S1uulLS
!A?AÞ8AkASP nA8A?AnA CCLLLCL Cl LnCC.
uPA8AMAÞu8
MAnA8U8NAGLk - 509216

A851kAC1
costomet kelotloosblp Mooooemeot bos emetoeJ os oo lmpottoot compooeot lo tbe oteo of motketloo
to cotet to tbe moJeto motketloo Jvoomlcs tbot lovolves votloos oewet focets ooJ Jlmeosloos. 8ot o
vetv ctoclol ospect bos beeo foooJ towotJs soccessfol lmplemeototloo of ckM ptootom ls tbe
emplovee´s lovolvemeot ooJ wlllloooess. 1be soccess of ckM lles lo tbe wov lt bos beeo lmplemeoteJ.
1bos. sellloo ckM ptootom to tbe lotetool costomets l.e. tbe emplovees ooJ motlvotloo tbem to
lmplemeot tbose ckM ptootoms ls tbe kev. £mplovee kelotloosblp Mooooemeot bos tbos come ot fote.
compooles bove beeo tesottloo to votloos oew loltlotlves to cteote emplovee lovoltv ooJ belp tbem
teollse tbe lmpottooce of costomets ooJ motlvote tbem to Jo tbot extto blt fot costomets. 1be popet
Jlscosses bow lmpottoot lt bos become to bollJ telotloosblp wltb emplovees fot effectlve telotloosblp
ooJ bow lt lmpocts towotJs setvlce otleototloo bosls


















VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
17
ÞC51 - ÞkCDUC1IVI1¥ ÞLkICkMANCL CI INDIAN L5CÞ ÞnAkMACLU1ICAL CCkÞCkA1L
5LC1Ck

Dk. kAML5n kUMAk DnIMAN
PLAu
uLÞA81MLn1 Cl CCMML8CL
S.u.S CCvL8nMLn1 CCLLLCL
MA1Ak MAIkI - INDkI 132 041

Dk. 5UkLNDLk kUMAk GUÞ1A
ASSCClA1L Þ8ClLSSC8
uLÞA81MLn1 ln MAnACLMLn1
MAPA8A!A AC8ASLn lnS1l1u1L Cl MAnACLMLn1 & 1LCPnCLCC?
IAGADnkI - 135 003

Dk. 5UkILNDLk kUMAk NAGIA
ASS1. Þ8ClLSSC8
uLÞA81MLn1 ln CCMML8CL
CCvL8nMLn1 Þ. C. CCLLLCL
kAkNAL

A851kAC1
ltoJoctlvltv ls tbe kev to ltospetltv. to occeletote tbe ptocess of ecooomlc otowtb ooJ tolse tbe
stooJotJs of llvloo of tbe people of o ootloo. ltoJoctlvltv lmptovemeot bos become o cbolleooloo lssoe lo
fletcelv competltlve bosloess wotlJ. 1be stoJv bos JevoteJ effotts to meosote tbe post-ptoJoctlvltv
petfotmooce of loJloo £5Ol lbotmo oolts. 1be somple slze fot tbe teseotcb ls to be tokeo teo (o = 10)
£5Ol lbotmo compooles fot meosotloo ptoJoctlvltv ftom 1st Aptll. 2004 to J1st Motcb. 2010 bv osloo
secooJotv Joto. 1be stoJv foooJ tbot tbe ltoJoctlvltv loJex fot teo top £5Ol lbotmo oolts ls oot
sloolflcootlv cboooeJ ftom otoop ovetooe of loJloo lbotmo cotpotote sectot. 1be post-ptoJoctlvltv
petfotmooce of 40 petceot tbe somple slze ls ossocloteJ wltb oet sole wbeteos J0 petceot tbe somple
slze ls ossocloteJ wltb totol ossets.














VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
18
IINANCIAL INCLU5ICN: CLD WINL IN NLW 8C11LL

Dk. GAUkAV AGGAkWAL
ASSCClA1L Þ8ClLSSC8
ACCu8A1L lnS1l1u1L Cl MAnACLMLn1 & 1LCPnCLCC?
Gk. NCIDA

ÞkCI. 5UDnIk 5Ak5LNA
Þ8ClLSSC8
ul1 SCPCCL Cl 8uSlnLSS
Gk. NCIDA

M5. 5A1INDLk kAUk
ASS1. Þ8ClLSSC8
ul1 SCPCCL Cl 8uSlnLSS
Gk. NCIDA

A851kAC1
Covetomeot ooJ floooce mlolsttv ls wotkloo botJ fot floooclol loclosloo lo tbe cooottv. 8oslcollv floooclol
loclosloo ls teloteJ wltb tbe Jellvetv of floooclol setvlces ot oo offotJoble cost to vost sectloos of low
locome otoops wblcb locloJes sovloos. cteJlt. losotooce. ooJ temlttooce focllltles. 1bls ottlcle ctltlcollv
exomloes tbe effotts ooJ tole of oovetomeot lo floooclol loclosloo os lt ls oot o oew ptoject. ltovlJloo o
floooclol setvlce to low locome otoop ooJ cboooellzloo tbem to molo stteom of cooottv´s floooclol
svstem temolos oo lmpottoot ooeoJo of oovetomeot. £otllet olso oovetomeot looocbeJ votloos scbemes
llke ltlme Mlolstet £mplovmeot 5cbeme. ptlotltv sectot oJvooce. etc. fot tbe op- llftmeot of tbese people
bot Joe to poot lmplemeototloo ot tbe otoooJ level coolJ oot ocbleve JeslteJ soccess. Now tbe
oovetomeot ls ttvloo to tevlve tbe some ooJet tbe oew boooet colleJ lloooclol loclosloo. 1bls ottlcle ls oo
effott to elobotote tbe Motlve. ltoblems & 5oooestloos.

















VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
19
WCkkING CAÞI1AL MANAGLMLN1 AND ÞkCII1A8ILI1¥ - CA5L CI INDIAN ÞL1kCCnLMICAL5
CCMÞAN¥- kIL, nÞCL, GAIL

ÞkAkA5n CnAWLA
ASS1. Þ8ClLSSC8
S. k. ÞA1LL lnS1l1u1L Cl MAnACLMLn1
GANDnINAGAk - GUIAkA1

5ANDn¥A nAkkAWA1
LLC1u8L8
S. k. ÞA1LL lnS1l1u1L Cl MAnACLMLn1
GANDnINAGAk - GUIAkA1

ILA5 knAIkNAk
S1uuLn1
S. k. ÞA1LL lnS1l1u1L Cl MAnACLMLn1
GANDnINAGAk - GUIAkA1

A851kAC1
wotkloo copltol Mooooemeot bos lts effect oo ptofltobllltv of tbe fltm. lo tbls teseotcb. we bove selecteJ
o somple of J fltms ftom lettocbemlcol loJosttv fot o petloJ of 5 veots ftom 2004 - 2009. we bove
stoJleJ tbe effect of Jlffeteot votlobles of wotkloo copltol mooooemeot locloJloo tbe Avetooe collectloo
petloJ. loveototv totoovet lo Jovs. Avetooe povmeot petloJ. cosb coovetsloo cvcle (ccc) ooJ cotteot
totlo oo tbe Ctoss opetotloo ptofltobllltv of tbe fltms.. leotsoo´s cottelotloo ooJ lloeot teotessloo t-test
ote oseJ fot ooolvsls. 1be tesolts sbow tbot tbete ls o sttooo oeootlve telotloosblp betweeo votlobles of
tbe wotkloo copltol mooooemeot (ccc) ooJ ptofltobllltv of tbe fltm. lt meoos tbot os tbe cosb coovetsloo
cvcle locteoses lt wlll leoJ to Jecteosloo ptofltobllltv of tbe fltm. ooJ mooooets coo cteote o posltlve
voloe fot tbe sbotebolJets bv teJocloo tbe cosb coovetsloo cvcle to o posslble mlolmom level. we floJ
tbot tbete ls o sloolflcoot oeootlve telotloosblp betweeo lloolJltv ooJ ptofltobllltv. we olso floJ tbot
tbete ls o oeootlve telotloosblp betweeo oet wotkloo copltol of tbe fltm ooJ lts ptofltobllltv.
















VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
20
kLLA1ICN5nIÞ 8L1WLLN III & 5LN5Lk (IANUAk¥ 2007-DLCLM8Lk 2009)

Dk. IIMM¥ kAÞADIA
ASS1. Þ8ClLSSC8
S. 8 Lu1P8A lnS1l1u1L Cl MAnACLMLn1
5UkA1 - 395 007

M5. ÞCCIA ÞA1LL
LLC1u8L8
S. 8 Lu1P8A lnS1l1u1L Cl MAnACLMLn1
5UkA1 - 395 007

Mk. 8nAVIk ÞANCnCLI
S1uuLn1
S. 8 Lu1P8A lnS1l1u1L Cl MAnACLMLn1
5UkA1 - 395 007

A851kAC1
Clobollzotloo boJ leJ to wlJespteoJ llbetollzotloo ooJ lmplemeototloo of floooclol motket tefotms lo
moov cooottles. mololv focosloo oo loteototloo tbe floooclol motkets wltb tbe olobol motkets. copltol
Motket bos olso ooJetoooe metomotpblc tefotms lo tbe post few veots. wblcb bos leJ to oo locteose lo
tbe foteloo pottfollo lovestmeots flowloo to tbe loJloo motkets. A sloolflcoot pott of tbese pottfollo flows
to loJlo comes lo tbe fotm of loteloo lostltotloool lovestots´ (llls´) lovestmeots. mostlv lo eooltles.
lo tbls popet. oo ottempt bos beeo moJe to Jetetmloe tbe telotloosblp betweeo lll flows ooJ tbe 5£N5£\
tetotos lo loJlo wltb o closet look ot tbe lssoe of coosolltv. 1be coefflcleot cottelotloo ls oseJ to estobllsb
tbe telotloosblp betweeo lll ooJ 5£N5£\ ftom Iooootv 2007 to uecembet 2009. 1beo cottellootom ooJ
uolt toot test ote opplleJ to floJ oot. wbetbet tbe olveo tlme setles ls stotlooetv ot oot. lostlv o coose
ooJ effect telotloosblp ls estobllsbeJ betweeo lll ooJ 5£N5£\ tetotos bv osloo otoooet coosolltv test.
1bos tbe stoJv eoJs wltb o cooclosloo wblcb ollows tbe teoJets to ooJetstooJ tbe coose ooJ effect
telotloosblp betweeo lll ooJ 85£. lt wlll be beoeflclol fot tbe foteloo ooJ loJloo lovestots lo Jeclsloo
mokloo wltb teootJs to lovestmeot lo loJlo. lt coo olso belp tbe pollcv mokets to ooJetstooJ tbe
lmpottooce of lll ooJ to lmptove tbe pollcv ooJ ptoceJotes fot lll comloo to loJlo.














VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
21
A 51UD¥ CI IINANCIAL ÞLkICkMANCL CI 5LLLC1 INDIAN 5CnLDULLD CCMMLkCIAL 8ANk5
U5ING CAMLL5 ML1nCDCLCG¥ ICk 2006-2010

ÞkCI. 5VL1LANA 1A1U5kAk
ASS1. Þ8ClLSSC8
l.L.S. MAnACLMLn1 CCLLLCL Anu 8LSLA8CP CLn18L
vlSPvAkA8MA, M.u. LC1LlkA8 vlu?A SAnkuL
CÞÞCSl1L LLLLAvA1l PCSÞl1AL, 8Anu8A 8LCLAMA1lCn
8ANDkA WL51 - 400 050

A851kAC1
Clobollzotloo. tecbooloolcol Jevelopmeot ooJ volotlle stock motket bove cteoteJ oo oopotolleleJ
competltlve eovltoomeot fot otooolzotloos octoss tbe wotlJ. wltb tbe oJveot of llbetollzotloo.
ltlvotlzotloo ooJ Clobollzotloo. sotvlvol of cotpotote bos become o cbolleooe. 1be loJloo bookloo
loJosttv lo loJlo bos wltoesseJ toJlcol cboooes ooJ eootmoos otowtb evet sloce tbe oovetomeot
loltloteJ tbe floooclol sectot tefotms lo 1991. As o tesolt of tbe foooJotloos lolJ tbtooob tbe fltst ooJ
secooJ oeoetotloo tefotms. tbe bookloo loJosttv bos wltoesseJ o sttooo otowtb tollv Jotloo lost few
veots. 1be coottlbotloo of kesetve 8ook of loJlo (k8l) ooJ otbet pollcv moket. tbe loJosttv bos wltoesseJ
ttoosfotmotloool teoolototv teooltemeots. 1bese tevolotloootv cboooes lo tbe teoolototv teooltemeots
bove lofloeoceJ ptomloeot lmptovemeot lo efflcleocv ooJ petfotmooce of tbe loJloo 5cbeJoleJ
commetclol books lo tbe post few veots.
Aoolost tbls bockJtop tbe teseotcb popet evolootes tbe petfotmooce ooJ efflcleocv of select loJloo
commetclol 8ooks llke 5tote book of loJlo. lclcl book. Axls 8ook. nulc ooJ 8ook of loJlo Jotloo tbe
petloJ 2009-2010 osloo tbe cAM£l metboJoloov. 1be Joto teoolteJ fot tbls stoJv wos obtoloeJ ftom
Aooool tepotts of tbe tespectlve books. 1be ootbot coolJ teoJllv obtolo pobllcotloos fot flve veots -
2006-2010, tbe ooolvsls ls. tbos. testtlcteJ to flve veots eoJloo Motcb 2010. 1be floooclol petfotmooce of
tbe books wos meosoteJ osloo tbe cAM£l5 metboJoloov wblcb ls o wlJelv occepteJ tool fot evolootloo
floooclol petfotmooce lo 8ooks. cAM£l5 ls oo octoovm wbete c - copltol AJeooocv. A- Asset Ooolltv. M -
Mooooemeot £fflcleocv. £- £otoloos £fflcleocv. l- lloolJltv ooJ 5- 5eosltlvltv to Motket klsk. 1be popet
olso compotes tbe letfotmooce of tbese 8ooks wltb tbe ptevloos veot 2008-2009 ooJ tooks eocb book
oo tbe bosls of tbe floJloos oot bv tbe cAM£l MetboJoloov evolootloos.
1be floJloos sbow tbot tbe petfotmooce of tbe books fot tbe veot eoJeJ 2010 bos beeo mocb bettet os
ooolost tbelt petfotmooce Jotloo tbe ptevloos veot eoJeJ 2009.












VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
22
ÞA55LNGLk'5 A11I1UDL & 5A1I5IAC1ICN IN kAILWA¥5
(5ÞLCIAL kLILkLNCL 1C CCIM8A1CkL kLGICN)

Dk. N. 8nAkA1nI
ASSlS1An1 Þ8ClLSSC8
uLÞA81MLn1 Cl CCMML8CL
uLLPl CCLLLCL Cl A81S Anu CCMML8CL
unlvL8Sl1? Cl uLLPl
nL1A!l nACA8
NLW DLLnI - 110023

A851kAC1
AfLer 1991, Lhe reforms process has aaLhered some momenLum and several lmporLanL declslons have
been Laken bv Lhe CenLral and SLaLe aovernmenLs. 1here are lndlcaLlons LhaL pollLlcal supporL for
deepenlna Lhe economlc reform process ls araduallv lncreaslna. 1he aeneral percepLlon ls LhaL pollcv
makers reallze LhaL reform ls an essenLlal pre-requlslLe for Lhe economlc developmenL of lndla aL Lhe
LaraeLed CuÞ arowLh raLe of 7-8 percenL per vear. WlLh Lhe economv on Lrack for a planned arowLh aL 7-
8 per vear, Lhe demand for frelahL and passenaer LransporL ls expecLed Lo arow aL around 10 percenL a
vear. AL presenL, however, lndla's LransporL svsLem, especlallv surface LransporL, ls hlahlv conaesLed,
and Lhe secLor performance ls poor and lnefflclenL bv lnLernaLlonal sLandards. Cne wav ls Lo lmprove Lhe
condlLlons of servlce Lo saLlsfv Lhe expecLaLlons of Lhe cusLomers. lor Lhls lL ls necessarv Lo know Lhelr
aLLlLude Lowards Lhe presenL condlLlons of servlces provlded bv Lhe lndlan rallwavs. Pence, Lhe presenL
sLudv on aLLlLude Lowards lndlan rallwavs.























VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
www.l[rcm.ora.ln
23
MLA5UkING CUALI1¥ CI WCkk LIIL: AN IN1LGkA1ICN CI CCNCLÞ1UAL kLLA1ICN5nIÞ
WI1n ÞkCDUC1IVI1¥

Þ. MCnANkAI
ASS1. Þ8ClLSSC8
CPL11lnAu CCLLLCL Cl LnClnLL8lnC & 1LCPnCLCC?
kAkUk, 1AMILNADU

k. kAML5n
ASS1. Þ8ClLSSC8
CPL11lnAu CCLLLCL Cl LnClnLL8lnC & 1LCPnCLCC?
kAkUk, 1AMILNADU

A851kAC1
1hls emplrlcal sLudv was done for Measurlna CuallLv of Work llfe (CWL) ln LexLlle lndusLrv and examlnes
Lhe concepLual relaLlonshlp wlLh producLlvlLv. 1hls sLudv adopLs Lhe four dlmenslons, namelv Welfare
measures, lnLer-personal relaLlons, Work llfe balance and CrowLh & SecurlLv. 1he sample conslsLs of
emplovees speclflcallv workers from Lhe weavlna mllls. Several sLudles commonlv correlaLes wlLh [ob
saLlsfacLlon buL no sLudv on CWL has assoclaLed wlLh lLs producLlvlLv. 1he sLudv ls based on daLa
obLalned from prlmarv sources. A well sLrucLured quesLlonnalre was developed and personallv
admlnlsLered Lo Lhe respondenLs. uescrlpLlve analvsls was used Lo dlscuss a proflle of Lhe respondenLs.
lacLor analvsls was used Lo reduce lnslanlflcanL varlables. An lndependenL sample L-LesL and one wav
AnCvA were Lhen conducLed Lo compare Lhe percepLlon means aroups wlLh dlfferenL demoaraphlc
characLerlsLlcs. 1hls sLudv ldenLlfles Lhe deLermlnanL facLors of CWL and lLs lmpacL on producLlvlLv. 1he
resulL lndlcaLes LhaL amona Lhe above four dlmenslons of CWL, Welfare measures are Lhe mosL
lnfluenclna facLor for hlaher producLlvlLv and oraanlsaLlonal achlevemenLs.



















VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
ln1L8nA1lCnAL !Cu8nAL Cl 8LSLA8CP ln CCMML8CL & MAnACLMLn1
A MonLhlv uouble-8llnd Þeer 8evlewed 8efereed Cpen Access lnLernaLlonal e-!ournal - lncluded ln Lhe lnLernaLlonal Serlal ulrecLorles
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VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
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VOLUME NO: 1 (2010), ISSUE NO. 6 (OCTOBER) ISSN 0976-2183
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$% '0 0$ +!(%#+-$ "'4 . . 5/ 8$$" +1 + . !(%.$%/ 4$!! 2'%8 . $2 +1 *#+/ %$!$#%. -& . & (( / 5 2 $2 $ 2 2523 ! ) !3 $ 3 3$2 25 3 $ ' 3 3$2 2 K $= $33 (!&'*$% !#& !0#-& '+ (!&'*$% 4'/#4&/ #+.#&# * + +1 & %'(1 &! "%$.+ 3($! 5% +1 %$.$% 0$$4! & #& & $%$ ! .# -(!&'*$% !(%%$+. +04($+& #4 *#%8$& +1 -#*"# 1+ #.#44/ '+ 4 0$ +!(%#+-$ !$-&'% + -'+&$)& '0 +.(+. . 5/ #-&'% +#4/! ! *(4& "4$ %$1%$!! '+ +'. # ' & ! "#"$% ! #+ #&&$*"& &' !&(.(-& ! 1$&& +1 &%$*$+. &' !&%'+1 0(&(%$ 1%'2& + $#%4 $% + +$& $! .0#-&'%! #%$ #+#4/9$. '& $% '+$ ! 4 0$ +!(%#+-$ !$%./ ! '2 & #& ! "# $ % # & $$ ! & % ' % # ' #$ ( "& # ) " % #%$ & $ *#6'% 0#-&'%! 0'% !2 &. -$ "%'.$% '27 # B .$4 +1 &$.'4(& '+#%/ 1%'2 + & $ 5#+8 +1 !$-&'% (& #0&$% %$.$%& !$*$+& !&%#&$1 $! *'%$ %$&(%+! #+.$! + +. +#4 E .$% &' #+'& $% * 4#%4/ & $%$ #%$ -$%&# +4/ *#+/ '& $% %$#!'+! . -$!C # +$2 '% #+ $) !& +1 4 0$ +!(%#+-$ "%'. 2 & & $ 4 0$ +!(%#+-$ -(!&'*$%! #+. 00 -(4&/ + "#/ +1 & $ "%$* (* #*'(+& '% '+$ '% & $ '& $% %$#!'+ $ "%#-& -#4 . #! *"'%&#+& "#%#*$&$%! 0'% # -'*"#+/A! -'+& +($.. $2 & $ &2' #!"$-&! +$ #!"$-& ! -'+-$%+$.+1F 0'%0$ &(%$ #+.$ 5$$+ &%$#&$. -$ "%'.$%! ! 4 0$ +!(%#+-$ "'4 ."#"$%! %$!$#%.$.'+$ '+ +!(%#+-$ !$-&'% $!"$. !(%%$+. 5$&&$% !$%. +1! '0 & ! !&(.$%! 2 ' 1$+$%#44/ 0'%0$ &! & $ 4 0$ +!(%#+-$ "'4 -/C 2 $+ # -(!&'*$% *#8$ #+/ -'+-$#4*$+& '0 0#-&! '% 0$$4! . ISSUE NO.($ &' #&&%#-& .'(! "'"(4#% &/ + & $ -(!&'*$% *#%8$& ! +! !&! # -(!&'*$% &' !2 &.$ #.($ &' 2 .$+& %$4#& '+! "! $ *# + 0 +.$%&#8$! D< #&& &(./ & ! . .# &' $)#* +$ & $ +&$%.#4 #+. # $23 $ 2 $ 4 5 $ 4 ! 3 3 )+ $ ) 3 )3 6 $ 3 3$2 ? % 1 0% #% .$"$+.VOLUME NO: 1 (2010). .#&#!$& 2 .$! $ '& $% #!"$-& # *! &' 0$ +!(%#+-$ !$%.$ *'. %1 + !$-&'% ! "#"$% ! %$!$#%.$*'1%#" .#/! & ! #""$+ +1 & #& . -$ "%'. 6 (OCTOBER) ISSN 0976-2183 ' 24 = 3)2 )+ + $ 2 2523 ! $ 3 3$2 6 23)+$ 4 % 4% $% ) 443 3 3 5) 2 $ 4 ) 43K .0%'* '+$ 4 0$ +!(%#+-$ !$%.

6 (OCTOBER) ISSN 0976-2183 " # $ 3 + !3 $ $ 5 $ 2 2523 ! $ )% % 23 $ % 7G" /34 + $= $& ( < 0 * 0 0 # 0 0 " 0 0 # " 9 + 0 < 4 < # # 3 3$2 3 3$2 25 3 : $3A 2 A$ ( # 0 0 < 0 0 0 L " 0 B 0 " .VOLUME NO: 1 (2010). ISSUE NO. < " # # % 2 0 0 # 0 0 %2 # 0 < # # B 0 # 0M < % 2 0 " " B %2 -'' + 0 + 0 %2 0 0 0 0 M 0 # # "= < + # 0 # " " < " M 0 M # M # %2 % 0 0 # " " + 0 # " 0 0 0 0 0 $23 $ 2 $ 4 5 $ 4 ! 3 3 )+ $ ) 3 )3 6 $ 3 3$2 H % 1 0% #% . # 0 0 0 " = " " 9 0 0 0 0 M " 0 4 # # 0 0 < # 0 0 " .

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

ISSUE NO. #+ ("$$ "$% . %$-& '+#4 #! 2$44 5 . & $ 4 +8#1$ 5$&2$$+ &2' . %$-& '+#4 -#!(#4 %$4#& '+! " 5$&2$$+ & $ &2' !&(. 0%'* #+(#%/ :./ (!$ . $). !&'-8 "% -$! $-#(!$ '0 & $!$ -% !$! & $ 2'%4.($ &' !(5!&#+& #4 .#% #54$! 0 '+$ 1'$! 5/ +.#+1$ %#&$ #+.#% #54$! $ %$!(4&! '0 %#+1$% -#(!#4 &/ &$!& %$.#&# 0'% & $ "$% '.0'% . #! +'& -$. .$"%$.0#44 + & $ !&'-8 "% -$! $ !&(. . + +./ .#+1$ %#&$ $)"%$!!$. & #& $*$%1 +1 *#%8$& -'44#"!$.? $ !&(.VOLUME NO: 1 (2010).$#4! & #& (+ .%#!& .# 4/ .'2+ #! *#./ (!$! %#+1$% -#(!#4 &/ &$!& &' 0 +.G &' $-$*5$% :./+#* . 6 (OCTOBER) ISSN 0976-2183 ' 3 3 )+ )+ 4 3 2 3$2 ! ) 3 )3 $ )+3 / 5$ 83 2/ ' 3 !3 2 3$2 ! $ )+3 ' $ +3 $= $ 23)+$ 4 / 5$ 83 2/ / ' !3 $ +3 3 2 3$2 ! ) 3 )3 $ )+3 / 5$ 83 2/ $ 14'5#4 *$4&.'44#%! #! 2$44 #! .(#4 /$#% $23 $ 2 $ 4 5 $ 4 ! 3 3 )+ $ ) 3 )3 6 $ 3 3$2 &7 % 1 0% #% ..'44#% $ !&(.4 +8#1$ 5$&2$$+ $).# 4/ +.#& '+ '0 '*$ -(%%$+-/ #1# +!& .$ # !&%'+1 " &.$) #+. ./ (!$! ..

$. #%"$A! *'.$ 5$$+ . !'*$ *'. '+&$7 #%4' #%$ .$.VOLUME NO: 1 (2010). 0%'* "%'.1 .$4 2 & #%8$& 2 .#4(#54$ *'+$/ + "'%&0'4 '! $%$ #! 5$$+ #.$4! 0%'* '& $% +.#+-$*$+& '0 +0'%*#& '+ $.(!&% $! #.41'% & * #+.$+& !$-(% & $! (! +1 !&'% -#4 . '(& & $ 5$!& *$& '.(!&% $! -'*"#%$. '.& +1 %$!(4&! 0'% 0(&(%$ +.$ 5$$+ -'+! .$ $)3( ! &$4/ &% $..$! !'*$ $).$4! 4 8$ #%"$ $+$& .(!&%/ $4"! + !$4$-& +1 !$-(% & $! 0'% "'%&0'4 ' + & ! "#"$% 2$ #. 6 (OCTOBER) ISSN 0976-2183 ) * + 2% )+ 4 834/ 4 ! !3 !3 $ 3 3$2 $ 4 5$ 83 2/ ($ &' & $ #.$4 '% 1 +#&$.+ & ! #&&%#-& .$4! #.+'4'1/ & #! 5$$+ $#! $% 0'% +.$!&*$+& $23 $ 2 $ 4 5 $ 4 ! 3 3 )+ $ ) 3 )3 6 $ 3 3$2 &- % 1 0% #% . &' 0 +.$4'"$.(-& '+ +.$4! #. 0'% !$4$-& '+ '0 $00 .#&# #44 & $ & *$ &' "%$.#&# '0 7<. ISSUE NO.$!&'%! &' +.!'*$ *#& $*#& -#4 *'.# 4#5 4 &/ '0 &''4! .$ &'" . -& & $ *#%8$& + .$!&*$+& .! '+7*#8 +1 0'% 2 . +.$.!'*$ *'.$ 5$$+ .$4'"$.$!& . & & $ % 1'%'(! %$!$#%.$.$%$.$%/ $4"0(4 + +.! '+ *#8 +1 *'.

!3 " 3) $ 4 ) $ ! $ $)3 5 6 3 $" 3$ $33 $ + $ 2 2523 ! 23)+$ 4 / $ ) 3$)3 : % %2% %.4 * 0 < 0 < <% 0 # # B # 0 3 ! # # # 0 N3 # 0 < # 0 # # # 0 1 % # ) " " 0 %3 0 0 # 0 0 # 0 # 0 F% 2 3 0 0 # 0 0 :3 . . ISSUE NO. 6 (OCTOBER) ISSN 0976-2183 ' 4 ' 3 3 )+ )+ 4 3) $ ) $ ! $ $)3 $ 2 2523 ! 23)+$ 4 / $ .VOLUME NO: 1 (2010). < # #" % $23 $ 2 $ 4 5 $ 4 ! 3 3 )+ $ ) 3 )3 6 $ 3 3$2 &( % 1 0% #% . ( A 3 8 $ . " # ( 5 ) 3$)3 : % %2% %.

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

VOLUME NO: 1 (2010). *'& .'4.'4. %$4#& '+! " 2 & $*"4'/$$! 0'% $00$-& . 6 (OCTOBER) ISSN 0976-2183 ' '' +3 6 ) 23 3 2 3$2 ! 5 $3 8 83= $ $ ) 443 3 ! ) )+ 22 $ 44/" + !3 $ 3 3$2 523 ) 3$)3 $ 3 . #! #+ *"'%&#+& -'*"'+$+& + & $ #%$# '0 *#%8$& +1 &' -#&$% &' & $ *'.! !(--$!!0(4 *"4$*$+&#& '+ '0 "%'1%#* ! & $ $*"4'/$$A! +. (! !$44 +1 "%'1%#* &' & $ +&$%+#4 -(!&'*$%! $ & $ $*"4'/$$! #+. &'2#%. !-(!!$! '2 *"'%&#+& & #! 5$-'*$ &' 5( 4. *$+! '+! (& # .#% '(! +$2 + & #& .$ %$4#& '+! " #+.#% '(! +$2$% 0#-$&! #+. *'& .#& +1 & $* &' *"4$*$+& & '!$ "%'1%#*! ! & $ 8$/ *"4'/$$ $4#& '+! " #+#1$*$+& #! & (! -'*$ #& 0'%$ '*"#+ $! #. $4" & $* %$#4 !$ & $ *"'%&#+-$ '0 -(!&'*$%! #+.$*$+& #+./+#* -! & #& +.$! .! !$%.$%/ -%(. '2 & *"#-&! &'2#%.#&$ & $* &' . -$ '% $+&#& '+ 5#! ! $23 $ 2 $ 4 5 $ 4 ! 3 3 )+ $ ) 3 )3 6 $ 3 3$2 &G % 1 0% #% .$ 5$$+ %$!'%& +1 &' . &(% / 2 $2 !3 )+ 4 ! $ 3 3$2 25 3 = +$ / $ ) 443 3 ! 3$ + 5 .#4 #!"$-& #! 5$$+ 0'(+. ISSUE NO.$%+ *#%8$& +1 . .' & #& $)&%# 5 & 0'% -(!&'*$%! $ "#"$% .$! &' -%$#&$ $*"4'/$$ 4'/#4&/ #+. 2 44 +1+$!! $ !(--$!! '0 4 $! + & $ 2#/ & #! 5$$+ *"4$*$+&$. &(% % (!&'*$% $4#& '+! " #+#1$*$+& #! $*$%1$.

"$%-$+& & $ !#*"4$ ! 9$ ! #!!'.#&$. 0%'* 1%'(" #.! &' 5$ &#8$+ &$+ + K >.(-& .(-& . &/ *"%'. %# !$ & $ !&#+. 2 & +$& !#4$ 2 $%$#! <. & #& & $ %'. &/ ! & $ 8$/ &' %'!"$% &/ &' #--$4$%#&$ & $ "%'-$!! '0 $-'+'* . &/ "$%0'%*#+-$ '0 +.$./ #! .1%'2& #+. +1 '0 & $ "$'"4$ '0 # +#& '+ %'. 6 (OCTOBER) ISSN 0976-2183 $ ' +3 3 2 3$2 ! ) 3 )3 %5% 83 $ 3$2 ) 443 3 ' .#&# $ !&(. 5/ (! +1 !$-'+.$ 5(! +$!! 2'%4.$%#1$ '0 +. &/ 0%'* >!& "% 4 :.#44$+1 +1 !!($ + 0 $%-$4/ -'*"$& & . $00'%&! &' *$#!(%$ & $ "'!&7"%'.$) 0'% &$+ &'" #%*# (+ &! ! +'& ! 1+ 0 -#+&4/ . #+ #%*# -'%"'%#&$ !$-&'% $ "'!&7"%'. & (( ' 2% !3 3 2 3$2 $ ) 3 )3 83 $ 3$2 % % ) 443 3 ' %'.'&$. #+ #%*# (+ &! $ !#*"4$ ! 9$ 0'% & $ %$!$#%.. &/ "$%0'%*#+-$ '0 L.(-& . #%*# -'*"#+ $! 0'% *$#!(% +1 "%'.#%. $ !&(.:. 2 & &'&#4 #!!$&! + / $23 $ 2 $ 4 5 $ 4 ! 3 3 )+ $ ) 3 )3 6 $ 3 3$2 &@ % 1 0% #% . (! ' ) 23 !3 3 2 3$2 $ $ 3 3$2 3$ $ 2 2523 ! $ 3 3$2 6 23)+$ 4 .(-& .VOLUME NO: 1 (2010). &/ +.#+1$. ISSUE NO. "$%-$+& & $ !#*"4$ ! 9$ ! #!!'.#%/ .>./ 0'(+.#&$.! '0 4 .(-& .(-& .L &' <>!& #%.$*$+& #! 5$-'*$ # .

. ISSUE NO.4 & $! ! #%& -4$ -% & -#44/ $)#* +$! & $ $00'%&! #+.$4 . 2 & & $ .#4 +-4(! '+ #! & ! +'& # +$2 "%'6$-& %'.#% '(! !.+-4(.#54$ -'!& &' . . -$! #& #+ #00'%. !(--$!! '2 & $ 1'.#!& !$-& '+! '0 4'2 +-'*$ 1%'("! 2 .$*$ "% '% &/ !$-&'% #.0'% & $ ("7 4 0&*$+& '0 & $!$ "$'"4$ 5(& .. +#+.$%+*$+& #%4 $% #4!' 1'. 0'% 0 +#+. 4$.#++$4 9 +1 & $* &' *# + !&%$#* '0 -'(+&%/A! 0 +#+. %$* &&#+-$ 0#.#4 +-4(! '+ ! %$4#&$.$%+*$+& ! &%/ +1 &' %$.$.#4 !$%.$%/ '0 0 +#+.$*$! 4 8$ % *$ + !&$% *"4'/*$+& .#4 +-4(! '+ ! #%& -4$ ! #+ $00'%& &' $4#5'%#&$ & $ '& . %'4$ '0 1'.$4 -'(4.$ .# '0 1'. +1 # 0 +#+.VOLUME NO: 1 (2010).$%+*$+& 4#(+. 0 +#+-$ * + !&%/ ! 2'%8 +1 #%.#4 +-4(! '+ + & $ -'(+&%/ #! -#44/ 0 +#+.$% & $ +$2 5#++$% -#44$.#4 !$%. +'& #.$ & $ !#*$ (+.($ &' "''% *"4$*$+&#& '+ #& & $ 1%'(+. +1! -%$.#4 !/!&$* %$*# +! #+ *"'%&#+& #1$+.$%+*$+& #+.$.$%+*$+& + 0 +#+. . 6 (OCTOBER) ISSN 0976-2183 ))5 ) 23 !3 23 $ 2 2523 ! $ 3 3$2 6 23)+$ 4 / ' 2 )+ !3 4 ! 5 $3 ' 2% !3 2 )+ 4 ! 5 $3 '. . & +!(%#+-$ #+.$! !#. -$ &' 4'2 +-'*$ 1%'(" #+.$! %$.$ %'54$*! (11$!& '+! $23 $ 2 $ 4 5 $ 4 ! 3 3 )+ $ ) 3 )3 6 $ 3 3$2 &? % 1 0% #% .#+-$ $&.

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

&' 0 +.#4 *#%8$& %$0'%*! + *#+/ -'(+&% $! *# +4/ 0'-(! +1 '+ +&$1%#& +1 & $ 0 +#+./ $+.$!&*$+&! *'!&4/ + $3( & $! + & ! "#"$% #+ #&&$*"& #! 5$$+ *#. #+ +. +. 6 (OCTOBER) ISSN 0976-2183 * " (( $ ((%# % 452+ ' 2% !3 $ 2 2523 ! $ .$. &' 2 . 4 5$%#4 9#& '+ #+. J %$&(%+! 5/ (! +1 1%#+1$% -#(!#4 &/ &$!& (! & $ !&(. & $ J %$&(%+! + +. # 2 & # -4'!$% 4''8 #& & $ !!($ '0 -#(!#4 &/ $ -'$00 . 5$&2$$+ #+. '(& 2 $& $% & $ 1 . *"4$*$+&#& '+ '0 0 +#+. & 2 44 5$ 5$+$0 . #+ *#%8$&! ! 1+ 0 -#+& "#%& '0 & $!$ "'%&0'4 ' 04'2! &' +. & $ *"'%&#+-$ '0 #+. # $23 $ 2 $ 4 5 $ 4 ! 3 3 )+ $ ) 3 )3 6 $ 3 3$2 7' % 1 0% #% .$!&'%!A !A +. %& (( 3 3$2 % 452+ 43)25 3 $ 2 2523 ! $ .$!"%$#. # -'*$! + & $ 0'%* '0 '%$ 1+ +!& &(& '+#4 +.%$0'%*! + & $ "#!& 0$2 /$#%! 2 .#44'2! & $ %$#.$!&'%! + . J 0%'* #+(#%/ :. $00$-& %$4#& '+! " 5$&2$$+ #+.$%! &' (+..! 2 & # -'+-4(! '+ 2 .$%!&#+. "%'-$.$ & $ "'4 -/ #+.(%$! 0'% '* +1 &' +. & $ -#(!$ #+. ISSUE NO. %& (( 3 3$2 % 452+ 3 3$2 4'5#4 9#& '+ #.#4 *#%8$&! 2 & & $ 14'5#4 *#%8$&! #" &#4 #%8$& #! #4!' (+.#4 0'% & $ 0'%$ 1+ #+. &' $!&#54 ! & $ %$4#& '+! " 5$&2$$+ #+.! &' +.$%!&#+. + & %''& &$!& #%$ #""4 $. &' *"%'. $00$-& %$4#& '+! " ! $!&#54 ! $..$%1'+$ *$&#*'%" .! '+ *#8 +1 2 & %$1#%. # & -#+ #4!' $4" & $ "'4 -/ *#8$%! &' (+.= &' $-$*5$% :.$!&*$+&! 04'2 +1 &' & $ +.$!&*$+& + +. %& (( ' 25 3$2 $ 2 2523 ! $ .$&$%* +$ & $ %$4#& '+! " 5$&2$$+ 04'2! #+.? $+ '%%$44'1%#* #+.VOLUME NO: 1 (2010).#! 4$.$+ & *$ !$% $! ! !&#& '+$%/ '% +'& #!&4/ # -#(!$ #+. 4$.$+& -'%%$4#& '+ ! (!$.$ &' . &' #+ +-%$#!$ + & $ 0'%$ 1+ "'%&0'4 ' +.

(% +1 4#!& 0$2 /$#%! $ -'+&% 5(& '+ '0 $!$%.$.$+-/ #+. -#4 . 0%'* ++(#4 %$"'%&! '0 & $ %$!"$-& . ISSUE NO.+'4'1 -#4 .'4(& '+#%/ . +1! 1'& 5/ & $ $& '. # #+. -'*"$& & . &' 0 . (! +1 & $ *$& '. !$-'+.$4'"*$+& #+.#4 '0 -'%"'%#&$ #! 5$-'*$ # .VOLUME NO: 1 (2010).$% ! +-$ & $ 1'.?7:. #! 5$$+ *(. %#+8! $#.>.$4/ #--$"&$. & %'(1 & $ 0 %!& #+. & & $ #.$ #+8 '0 +. %'+*$+& 0'% '%1#+ 9#& '+! #-%'!! & $ 2'%4.>. #+8 '0 +.#4(#&$! & $ "$%0'%*#+-$ #+.#4(#& '+! $ 0 +.$+-/ 7 3( .$ /$#%! $+.E7:.#44$+1$ $ +..$ -%$#&$. &''4 0'% $.#& '+! 4# . 7 $+! & .$%+*$+& + & #&$..$+-/ '0 !$4$-& +. 6 (OCTOBER) ISSN 0976-2183 ' (( $ ( ( ' 2% !3 %3% % $ 3 3$2 ) 443 3 $ 3 3 )+ )3$2 3 8 +8 = " % % 4 24 = 8 / $=54 23 4334 8 2 + 2 4" $ 3)4 2 $ .? $23 $ 2 $ 4 5 $ 4 ! 3 3 )+ $ ) 3 )3 6 $ 3 3$2 7& % 1 0% #% . # . %$#.D7:.'4'1/ $ .$ $+.(!&%/ #! 2 &+$!!$.#+1$! #+.! # 2 .? #+.(!&%/ #! 2 &+$!!$.>."#"$% $. # !&%'+1 1%'2& %#44/ ./ 2#! '5&# +$.#4 "$%0'%*#+-$ + #+8! ! #+ #-%'+/* 2 $%$ 7 #" &#4 . # #! 2 &+$!!$.(4$. '(! /$#% :. 4/ '5&# + "(54 -#& '+! 0'% 0 .$ /$#%! M :.#&# %$3( %$. !(( (&( 4'5#4 9#& '+ &$. $+'%*'(! 1%'2& $. '& $% "'4 -/ *#8$% & $ +. $ 0 +#+.#4(#& +1 0 +#+. $00 . 4'5#4 9#& '+ !(%. 0'% & ! !&(.. %#. . &/ #+. :.$. & $ 0 +#+. &%#+!0'%*#& '+#4 %$1(4#&'%/ %$3( %$*$+&! $!$ %$.(!&%/ + +. +1 #%. #+ 5#+8 +1 +.:.$*$+& + $00 .$ +04($+-$.$ 5#+8! $ #(& '% -'(4.$.#4 !$-&'% %$0'%*! + >??> ! # %$!(4& '0 & $ 0'(+. #+ .>. "%'* +$+& *"%'.#4 5#+8! + & $ "#!& 0$2 /$#%! 1# +!& & ! 5#-8. # 5#+8 ) ! #+8 #+. '**$%.'4'1/ 2 .$3(#-/ 7 !!$& I(#4 &/ B $ "#"$% #+#1$*$+& 00 . '(! /$#% $+.$+-/ 7 #%+ +1! 00 . #+ '**$%.'4'1/ $.#4 #+8! 4 8$ &#&$ 5#+8 '0 +.%'" & $ %$!$#%. &/ &' #%8$& !8 #4!' -'*"#%$! & $ $%0'%*#+-$ '0 & $!$ #+8! 2 & & $ "%$.5$&&$% #! #1# +!& & $ % "$%0'%*#+-$ . :.. +1! ! '2 & #& & $ "$%0'%*#+-$ '0 & $ 5#+8! 0'% & $ /$#% $+. 1$+$%#& '+ %$0'%*! & $ 5#+8 +1 +. #+ (+"#%#44$4$.$+& '0 4 5$%#4 9#& '+ % .'4#& 4$ !&'-8 *#%8$& #.(% +1 & $ "%$.5#+8 '+ & $ 5#! ! '0 & $ 0 +.. "$%0'%*#+-$ '0 & $ +.#+1$! + & $ %$1(4#&'%/ %$3( %$*$+&! #. . (! +1 & $ *$& '.(% +1 & $ "$% '. :.$..#4 "$%0'%*#+-$ '0 & $ 5#+8! 2#! *$#!(%$.#& 9#& '+ #+.C & $ #+#4/! ! ! & (! %$!&% -&$.

(( &HH&" < # 0 < # ? % * # " " 0 9 % 0 %! %+ " 0 " 0 ) 0 0 @? # L # 0" % # # 0 # B %A 9 0 0 0 0 % 2 0 #% 2 0 # " # 0 < # 0 < 0 0 # &' # @ " $23 $ 2 $ 4 5 $ 4 ! 3 3 )+ $ ) 3 )3 6 $ 3 3$2 77 % 1 0% #% .VOLUME NO: 1 (2010). 6 (OCTOBER) ISSN 0976-2183 + " * # 2 $2 !3 3 2 3$2 ! ) 3 )3 34+ ) 443 3 ! 2 $ ) 3 )3 5$ 83 2/ ! 34+ $32 $ . ISSUE NO.

VOLUME NO: 1 (2010). 6 #0 % B / 2 0 0 0 " "A < < 0 OA4 % % # 0 9 0 % 2 00 % 2 " 0 0 9 0 A 1 0 0 ! $ 8 %2 # 0 % % 0 0 0 # # OA4 OA4" A 0 % 0 0 # 0 0 %2 0 0 # # $23 $ 2 $ 4 5 $ 4 ! 3 3 )+ $ ) 3 )3 6 $ 3 3$2 7- % 1 0% #% . 6 (OCTOBER) ISSN 0976-2183 . ISSUE NO. ' )+322 $ 2% !3 ) 443 3 ! 3$ $33 $ 6 23)+$ 4 ' - / )+322 $ 2% !3 ) 443 3 ! 3$ $33 $ 6 23)+$ 4 ' #O %2 A < :OA4.

0 +#+. 0'% 0(&(%$ $4$-&%'+ . %$-& '+ '0 75#+8 +1 ! & $ #--$"&#+-$ '0 *'5 4$ &$4$" '+$ 7 $+#54$. & ! !(--$!! ! & $ +(*$%'(! 5$+$0 &! & -#+ "%'. & -#%. &$4$" '+$ 5#+8 +1 .0(+. &' -(!&'*$%! '0 0 +#+. +&$%#-& .(-& +1 5(! +$!! #+. '4.75#!$.#& .$% & #! 5$$+ 0'%$-#!& 5/ *#+/ & #& '+4 +$ 5#+8 +1 2 44 -'+& +($ &' 5$ & $ *'!& "'"(4#% *$& '.! '% -(!&'*$%! & -#+ "%'.$. .5#+8 +1 75#+8 +1 !&#%&$. ++'.$ # -'!& $00$-& . #%.$5 & EGE< !$% $! '0 !&#+.$ 2#/ '0 -'+. ! '+ '0 +0'%*#& '+ #5'(& # 5#+8 #+. %$-& 5 44 "#/*$+& $4$-&%'+ .0'%* 75#+8 +1 -#+ *$#+ & $ "%'. .+1 %$4#& '+! " 2 & -(!&'*$%! 5/ '00$% +1 !("$% '% !$%.$ $5 75#+8 +1 ! 0#!& 5$-'* +1 # +'%* + & $ .VOLUME NO: 1 (2010).$ 5'& &' & $ 5#+8! #+. 2 & & $ (!$ '0 #(&'*#& . 5/ *#+/ 5#+8! + .+$! ! #+. 2 $%$ & $/ -#+ (!$ 7 5#+8 +1 $ $. # # '*$ "#1$ '+ & $ '%4. -'+.#++$4! & $/ -#+ (!$ &' -'+. #! +-4(. '% . ISSUE NO.(#4 +$$. &' "$%0'%* 0 +#+.0(+. . 5/ & $ $23 $ 2 $ 4 5 $ 4 ! 3 3 )+ $ ) 3 )3 6 $ 3 3$2 7( % 1 0% #% .! -#%.$ # 1%$#&$% . $+% . .$ "%'.$.#4 !$%. &! !$%.(-& & $ % 5(! +$!! #+.(-&! 2 .$.' -$ + &$%*! '0 & $ .*#/ 5$ -(!&'* 9$. &%#+!#-& '+! #%$ '0&$+ -'. '+4 +$ 5#+8 +1 --'%.$% *#8$! (!$ '0 # "#/*$+& -#%."#/*$+&! #+.#! # -%$. 0'% # +(*5$% '0 .$4'" +1 $-'+'* $! #%'(+.#4 &%#+!#-& '+! 4$-&%'+ . -$! #+.$%$. #+.$+ $+-$ + &$%*! '0 2 $+ #+.$%7 + & #&$. &%#+!#-& '+! 2 $%$ # -#%. -$! '% 5#+8! & -#+ "%'. 2'%4. -#%. . 5#+8 +1 #+. !(. & $ 14'5$ $ *# + %$#!'+ 5$ +. +1 $4$-&%'+ . &%#+!0$% #+. &' +. +1 &' !'*$ & $ 0(&(%$ . ! 5$ +1 *"4$*$+&$.$%/ 5#! .$7 5#+8 +1 '2$.$4'"$. '4.'4(& '+ '0 $4$-&%'+ .&$44$% *#. -$! .#4 &%#+!#-& '+ $4$-&%'+ -#44/ $ &$%* ! (!$.! &%#+!0$% %$0$%! &' & $ -'*"(&$%75#!$. . !/!&$*! (!$.#%. 6 (OCTOBER) ISSN 0976-2183 $ ' - ' - + 43)25 3 $ 2 2523 ! 23)+$ 4 ' - / 6 ) 3$)3 + &! . 00$%$+& -'+-$"&! +-4(.

$%#44 1%'2& '0 & $ +. '.(!&% #4 #+. & '+#4 "$%-$"& '+ #! 1%'2+ '.$ &2' & *$A! 0#!&$% "#-$ & #+ (%5#+ *#%8$&!C +'& !(%"% ! +14/ %(%#4 +.#! +1 "'2$% '0 & $ %(%#4 -'**(+ & $! + #--'(+& '0 1%$$+ %$. & ! $)"$-&$. # 2 & &! &%#. # #--'(+&! 0'% *'%$ & #+ G. #+ $-'+'*/ #! %$!(4&$. 6 (OCTOBER) ISSN 0976-2183 ' .@ '0 & $ &'&#4 +#& '+#4 . # #. ISSUE NO. +&' !(5!&#+& #4 +-%$#!$ + & $ "(%. (%#4 +. &' 1%'2 #& 4$#!& 0'(% & *$! & $ $) !& +1 ! 9$ +'& $% -'+&% 5(& +1 0#-&'% 0'% %(%#4 "(! 2#! 1%'2 +1 !#&(%#& '+ + (%5#+ *#%8$&! $23 $ 2 $ 4 5 $ 4 ! 3 3 )+ $ ) 3 )3 6 $ 3 3$2 7.$% & $ /$#%! +'& '+4/ + &$%*! '0 +-'*$ 5(& #4!' + &$%*! '0 & +8 +1 $ %(%#4 *#%8$&! #%$ 1%'2 +1 #& #5'.#4 *#%8$& +1 !&%#&$1/ +#*$4/ %(%#4 *#%8$& +1 #! $*$%1$.(-&! + & ! -'+&$)& # !"$. "%'.$ #-3( %$. ! 1+ 0 -#+-$ #! & $ '.$*#+.VOLUME NO: 1 (2010). (%5#+ *#+(0#-&(%$. 2 $2 3$2 $ 2 2523 ! !3 $ 3 3$2 25 3 + %$-$+& /$#%! %(%#4 *#%8$&! '0 +. % 1 0% #% .'4(& '+ & $ %(%#4 #%$#! #%$ -'+!(* +1 # 4#%1$ 3(#+& &/ '0 +.#/ %(%#4 *#%8$& '--(" $! # 4#%1$% "#%& '0 '(% $-'+'*/ #+.

@2?523 2>327" " # < 00 " 0 0 # 2<H847D4G7?:FA:>4B ?6:% + A 2 < # ?>32:4?>BBD D687.5 2. ISSUE NO. C 6$6734<>567 # # % B 6 ## 30 < 0 % % 4<=6F4G7?: 67A 4< % B # ) 00 - # 0 < : % ) . . 1 4<=64G7?:FA:>4B ?6: 30 $23 $ 2 $ 4 5 $ 4 ! 3 3 )+ $ ) 3 )3 6 $ 3 3$2 7G % 1 0% #% .522:23 * 6. 6 (OCTOBER) ISSN 0976-2183 +.VOLUME NO: 1 (2010).

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