The Cellular Mobile Industry is a vital sector contributing to the country's socio‐economic Development and the contribution to the enhancement of the common man's quality of life, is Immense. As per the subscriber data released by TRAI, the wireless industry has more than 95% of the telephone subscribers in the country i.e. of the 806.13 Million subs as of 31st January 2011; the wireless industry has contributed more than 771.18 million. Indian .India has many number of players for cellular service provision .so the tariff are all the times low ,this allows service providers to target the low income population to increase market share. Due to mobile number portability consumer can switch easily from one to another without change in Number. The objective of the study is find out the requirements of customer which they expect from Cellular service providers. As the time changes the requirement get changed. today only voice communication is not only sufficient add on services are required as per need .So to know the upcoming requirement of customers and services can be delivered accordingly which makes customer happy. In this study the quality of network, Coverage, service provision, tariff, customer care and service offering are the considered. Tariff and quality of network are the key parameters for the network The covered area under this study was Baramati due to availability of well mixed rural population base in Pune district.
Structured questionnaire was designed to collect primary data, secondary data taken from the official websites of service providers and regulatory websites. Stratified sampling is used for collection of data .The sample size was 200 and the variable considered are Tariff, customer care, quality, Billing and Value added services. It help the cellular service provider (CSP) to understand the customer psychology in choosing the services that can be positioned .This study help us to know the consumers perception toward cellular service provider. And to educate the customers for the services availability. The result of business is a satisfied customer; in present era of competition it is no longer to satisfy the customer, he must be delighted.

These days most of the students and young adults in various campuses of Kurukshetra University, Kurukshetra are mostly and always occupied in the social networking site usage. This paper surveyed students' social networking sites usage and how it affects them. It examines the role which frequent use of social networking sites playing their studies. Questionnaires were designed and sent out to 100 respondents of the different institutions in Kurukshetra University. The students of B.com, B.Sc, BCA, M.Com and MBA surveyed for the study. Out of the 100 questionnaires distributed, all were completely filled and returned giving a return rate of 100%. The data collected was analyzed using frequencies; percentages and graph representations while the hypothesis was tested using chi square (χ 2). The hypothesis that the frequent use of social networking sites by student of institutions in Kurukshetra University, Kurukshetra has no effect on their studies was accepted at 5% level of significance. It is found that students use SNS commonly, even during studies, but they also use the information on SNS in their academic assignments too. It was recommended that students should learn to manage their time properly and teachers should use social networking sites to promote teaching-learning process.

The present paper is empirical in nature and studies the Export Financing (Awareness, Impact and Satisfaction) among Handicraft Export Firms in India. The study finds out whether the handicraft exporting firms are aware about the export finance and how many are using export finance? This paper further explores the effectiveness of the export finance in increasing the exports by finding the correlation between the increase in export sales just after getting the finance and regular increase in export finance in five consecutive years; satisfaction level of the firm with the institution providing export finance. Other parameters which have been found out in the study are the reasons for taking finance from a particular bank and what are the most important aspects for all the firms for choosing a bank for export finance? Firms with turnover less than 1 Crore do not use export finance. This could be explained with the fact that as their turnover is low, they get smaller orders for which they have their own capital and also for smaller orders, buyers do not mind giving advance. Majority of the firms availing the export finance use Pre-shipment only followed by both Pre-shipment as well as Post Shipment Finance and that too in Indian Rupees. The export sales increase just after the year export finance is availed. There is a very high degree positive correlation between the Export Finance and Export Sales. Firms availing Export Finance are satisfied with their institution providing Finance and the most satisfying factor is the behaviour of the staff. Major data has been collected with the help of questionnaire using a five point likert scale. The tools for data analysis are – mean standard deviation, chi-square and correlation.

The world has understood the importance of women empowerment which in turn leads to the socio-economic development of a society. A key instrument for women's empowerment is the Self Help Groups (SHGs). Women empowerment can be done through SHG's formation, its stabilization and linking with viable micro enterprises. This paper initially highlights the past works on women empowerment through SHGs in India and Assam and then tries to evaluate the status of the current research with special reference to Sonitpur District of Assam. This paper initially highlights the past works on women empowerment through SHGs in India and Assam and then tries to answer the following research questions - What is the present socio-economic of the Scheduled Caste women SHGs? What is the operating mechanism of the credit delivery model of SHGs? What is the rate of return of their monthly savings for each of the SHG members? How the capital formulation takes place in an SHG? What is the growth rate of capital base of the SHGs? What are the dynamics of the underlying SHG business model? What has been the contribution of these SHG business models to women empowerment with respect to their income? What are the factors that determine the level of women empowerment as a result of participation in SHG business model? The present paper attempts to address these issues with respect to the marginalized communities in Brahmaputra Valley with special reference to the Scheduled Castes SHG Groups in the Sonitpur District of Assam. So, scheduled caste women SHGs' representation in the Gabharu Block is only 3.9% of the total number of SHGs operating in the Gabharu Block. Interestingly the study found that the average rate of return for each of the SHG members against their monthly savings is found out to be approximately 49.9% per annum. Thus the study found that the capital base of the SHGs for internal lending has increased by 400% in a five year period. T-test results revealed that there is a significant improvement in income level of the scheduled caste women after joining their respective SHGs which indicates that a sense of empowerment has been instilled among the sample scheduled caste women SHG members.
In its strategy for the upliftment of women and their empowerment, the government of Assam with the help of federal government has provided special consideration for women's self-help groups especially for those belonging to the Scheduled Caste. What is the present status of the Scheduled Caste women SHGs? What are the socio-economic characteristics of the scheduled caste women-based SHG business model of women empowerment? What is the operating mechanism of its credit delivery model? What is the rate of return of their monthly savings for each of the SHG members? How the capital formulation takes place in an SHG? What is the annual growth rate of capital base of the SHGs? What are the dynamics of the underlying SHG business model? What has been the contribution of these SHG business models to women empowerment with respect to their income? What are the factors that determine the level of women empowerment as a result of participation in SHG business model? The present paper attempts to address these issues with respect to the marginalized communities in Brahmaputra Valley with special reference to the Scheduled Castes SHG Groups in the Sonitpur District of Assam.

Organizations had been longing for sustainable excellence for long without giving the due share of attention to the human capital which was perhaps the much neglected, though most important, facet of an organization. Now when the excellence is driven by the human capital an organization has, it becomes important to study the various practices related with the human resource development efforts of an organization in a given climate which results to an extent in the expected outcomes. This study is an empirical attempt to examine the various HRD practices, HRD climate and HRD efforts' outcomes in the context of Indian Banking Sector.

Purpose : - To identify the CSR practices, analyze their underlie components and study them for similarities/differences across Private Indian Companies (PC), Multinational Companies (MNC) and Public Sector Companies (PSCS).
Design/methodology/approach: - The study is based on primary data constituting a sample of 145 companies including 65 Private Indian Companies (PICs), 51 Multinational Companies (MNCs) and 29 Public Sector Companies (PSCs) working in India in various sectors. The data thus generated was analyzed with the help of factor analysis.
Findings : - The study nds that there is no major difference in components of CSR practices of PICs, MNCs and PSCs. The identified CSR factors emerged from PICs are Employee Welfare, Environmental and Natural Resources Protection, Community Development and Community Affairs. The identified CSR factors emerged from MNCs are Community Welfare, Employee Development & Safety, Environmental and Natural Resources Protection, Working under law and compliance, Employment Generation and Community Supportand that of PSCs are Employee Welfare and Social Support, Sustainable Development, Community Development and Heath & Scholarship Program. The difference lies only in priority/preference to follow CSR practices.
Research/limitations/implications: - It is a starting-point for further research in Corporate Social Responsibility Initiatives. The paper is of value to the researcher and practitioners of corporate social responsibility. The study would help others companies who yet to start CSR and to actualize their CSR interventions.

The research focused on examining the customer perception towards online insurance services. It identifies the reason for using online insurance services and finds barriers creating hurdles while using the services. Using tools like chi-square, factor analysis, mean and standard deviation, customers' perceptions and satisfaction level is measured. This research found five dominant factors like Website Security, Website Design, Customer Services, Reliability, and Product Portfolio which influences customers' perceptions towards online insurance services. This is one of the very few studies which attempted to investigate customers' perception of online insurance services.

Salesman's competencies intendedto improvesales performance has received little attention in the research in comparison to customer oriented consequences. Numerousspecialized researchers in their study put forwardthe point that the competencies (skills & abilities) play the vital role in the execution of job responsibilities by an individual in specific professional area which leads to job performance. The present study attempts to recognize the competencies prerequisitefor the salesman engaged in retailing (here, furniture and build mart) business. Further, it examines the significant impactof the competencies onsales performance and expands our ability to explain salesman's sales performance on the basisof the competencies acquired by him. The clever and competent salesman can be advantageous for the business as he acts as a significantlinkageamid the consumer and business. Various analyses based on the data collected from 250 respondents from one of the urban markets of Central Chhattisgarh (India),sixkey competencies of salesmanare pointed out and their impact is examined on the salesman's salesperformance. The results attained suggestedthat product knowledge, listening ability, convincing skill, objection handling and interpersonal ability are the major competencies affecting salesman's performance.

The attitudes of the teachers and parents towards the children academic, allround development and educational achievement have created a great gap between the school-teaching-learning programme and the thus make it difficult to achievement educational goals. Achievement of educational goals largely depends on the qualities of professionally dynamic teachers, parental sensitivity to the child's academic needs and the school and government concern about the dynamic nature of the society and need to develop such curriculum that will satisfy the aims and the goals of education. In order to evaluate the role of PTAs in education, a school-level data set covering government-recognized schools is generated from the Bhopal city. Data is collected from parents and teachers as well as members of PTAs from the government recognized institutions.Being a descriptive research, thestudy population consisted of 14 head teachers, 57 teachers, 39 parent 20 students of class eight and nine. Qualitative data collected from 18 items in the questionnaire were analyzed. Interaction with the head teachers revealed that they had a number of limitedopportunities and faced many challenges in the implementation of Educational programs.

Corporate restructuring consists of any significant change in a firm's fiscal structure, or ownership, or control, or corporate portfolio that is planned to increase the value of the firm. There are instances where the mergers and acquisitions (M & As) impact the profitability (P). Hence, the present paper is to analyse the impact of M & As on P of manufacturing firms in India. For this purpose, 39 manufacturing firms are selected based on the adequacy of data in the data source for a period of 10 years on year to year basis from 2001–2002 to 2011–2012 considering the firms, which had gone into the M & As process during the financial year 2006–07. Paired samples t-test is applied to study the mean difference in the P of the firms in the pre-and post-merger periods. The study proves that the M & As has significant effect on P for 38 out of 39 manufacturing firms in India in the post-merger period and therefore it reveals that the acquiring manufacturing firms in India have utilized their combined resources well in accelerating profit and enhancing shareholders' wealth after merger

In today's scenario all the companies are coming up with celebrity endorsements to make their product different from the competitor's product and also people can associate the brand/ product with specific celebrity and an easy way of remembering a particular product and creating demand. Different people have different perception about the advertisements they see and like this celebrity have created a good reputation to the brands like many people perceive that the brands endorsed by celebrity are of good quality. But the opinion differ from person to person so to take the view of people researcher have taken a sample of 140 people which include an equal number of rural and urban people and their opinion about celebrity with respect to FMCG sector. So, it is very important to know what impact it leaves on the consumer. For this purpose data has been collected through primary and secondary sources. The results of the report revealed that people from both the areas have interested in celebrity endorsements and rural people even watch ads in between their favorite show. But there are not much effected by the endorsements and women's are easily attracted by the advertisements and also they se e a d s i n between their favorite shows and both the rural & urban people have same opinion but the degree of effectiveness is high in rural area.

Performance Management is a critical H.R. function which holds great importance in service sector like banking. The real power of organization are it's people who are the drivers of corporate performance and competitiveness. The current challenge before the organization is to create that will to perform or work culture, where people and groups start thinking and performing themselves in tandem with the organizational goal. The current study was undertaken to study performance appraisal practices at public and private sector banks in Rohilkhand region (N=140). The banks undertaken for study are ICICI, HDFC, Yes and Axis Banks in private sector and State Bank of India, Union Bank of India, Bank of Baroda and Andhra Bank in public sector.