People are an essential element in any healthcare organization, whether that organization is a major research teaching hospital, a primary healthcare clinic in the inner city, the county public health office, or a health maintenance organization. However, quite often, it is seen that administrators, third-party payers, governments, and even boards of directors have due concerns only about the patients and technology. While, in reality, it is the people behind technology, treatment protocols, services, and activities of the organization that ensure quality care. Therefore, how healthcare organizations manage and invest in their human capital truly impact the quality of care and services provided. In this paper, an attempt has been made to explore the existing developmental climate in various healthcare institutions of Kashmir. A total of 285 healthcare employees working in different district level hospitals completely responded to the survey instrument. Notably, the results revealed existence of a satisfactory level of HRD climate in healthcare sector of Kashmir. However, there is still immense scope for further improvement. Keywords: Performance appraisal, Training and development, Organizational development, Potential appraisal, employee welfare and QWL, Feedback and Counselling,

Purpose: There is always a conflicting relationship between the Corporate Environmental Performance and Corporate Financial Performance. Economists argue that going green is not profitable whereas environmentalists argue that businesses should take actions to protect and preserve the environment. Thus this study is carried out with the objective of analyzing the association between Environmental Performance and Financial Performance. Design/ Methodology/ Approach: Corporate Environmental Performance and Corporate Financial Performance are the two variables are affected by each other and also affect each other. So studying their relationship with the help of Multiple Linear Regression Model will not serve the purpose. Hence it was decided that this relationship can be explored with the help of Simultaneous Equation Modeling. Findings: It can be stated that within the Indian context, Environmental Performance have significant and positive relation with return on assets, company size, age of the company. Research Limitations/ Implications: Till the companies follow the same benchmark for environmental performance measurement, such study may not lead to any reliable results. The subject needs to be explored further. However, the study will be evocative if there is statutory provision of Environmental Reporting like Financial Reporting. Originality/Value: This paper is an exploratory attempt to find the relationship between the Corporate Environmental Performance and Corporate Financial Performance. No such study with the sample of as large as 500 companies have been conducted in Indian context. Keywords: Corporate Environmental Performance, Corporate Financial Performance, Simultaneous Equation Model and Green Initiatives.

Insurance companies play an important role in the welfare of human well-being by providing protection to millions of people against life risks such as uncertain death or accident. Even the life insurance is fastest growing service sector in India after privatisation and increase in FDI. Thus it has become essential to study the buying pattern of the life insurance policies. The current study examines the various factors that affect the consumer perception towards life insurance policy. Data was collected with the help of structured questionnaire. The sample constituted of 100 respondents from Amritsar , Ludhiana and Chandigarh. The statistical technique used for the analysis are descriptive and factor analysis. The main finding of the study reflected that there are six factors i.e. customised and timely services, better company reputation, effective service quality , customer convenience , tangible benefits and healthy customer client relationship that influence the consumer perception towards life insurance policy Keywords: Consumer Perception, Life Insurance Policies, Factors.

Several countries have adopted different strategies, industrial policies, and models for promoting industries by their technological capability. The concept of Technology Park is one of the steps towards the enhancement of industries that include the development of clusters, creates knowledge based industries, promote regional development and also enrich the standard of living of the people. The paper discusses the economic contribution and performance of Technology Parks in Punjab. The study is based on the case of IT Park, located at Mohali district of Punjab. The Correlation Coefficient was applied for finding the relationship between tax incentives benefits given and generated employment opportunities, capital investment and sales of IT products. A significant and highly positive relationship noticed among the mentioned economic components, which mean that the incentives are given to the entrepreneurs for promoting IT Park were more compensated by way of promoting employment opportunities, sales, and capital investment. Further for evaluating the performance of IT Park particularly in generating employment, sales, and productivity, Chi-Square Test was applied. The results revealed that IT Park proved to be a significant trial by the state government for promoting cluster development as well as regional development. Keywords: Economic Contribution, Performance, Technology Parks, Punjab.

In the current day scenario, it has become more challenging and difficult for working women to discharge their roles at office and home and in the process experience work-life imbalance which will have undesirable consequences for them in the form of increased levels of stress complaints, lower mental health, higher family conflicts, less life satisfaction, etc., as well as for the organizations such as decreased job satisfaction, increased absenteeism, reduced organizational commitment and productivity, disengagement and high turnover intention. The main objective of the study is to study work-life conflicts experienced by women employees in different sectors and to determine if there is significant different among the sectors. The women employees in Bangalore city constitute universe for the study. The researcher selected women employees working in various sectors like banking, insurance, IT, BPO, health care and education sector as the sample frame. The sample size comprised of 360 working women employees selected from six sectors. The study revealed that there is significant difference in work- life conflict experienced by employees across select service sectors. The study revealed that employees from BPO sector, followed by health care and IT sectors reported relatively more work-life conflict and the employees from education sector have least work- life conflict. Keywords: Work-life conflict, Women employees, service sectors, work life balance, demographic variables

Clothing is one of the key needs of every individual. The Apparel Industry rehashes people's living styles alongside their social and money related status. The Indian government has assessed the material and attire industry areas to accomplish $70 billion turnover by the year 2017. As a result of advancement in demographics and expansion in the living way of urban people, the Indian attire division is in its blast stage. E-exchange has obtained jumble the shopping example of India. More than 10 million Indian purchasers are shopping online for clothing and are creating at a mind boggling pace. Improvement of ebusiness was little in its beginning years as a result of starting issues, yet now it is creating with dazzling pace as the Indian buyer's assurance is rising regulated. With enlargement in number of web shopping destinations like Myntra, snapdeal, jabong, they have been attracting to make change in courses of action in more online customers with multi-marks and stunning offers. The primary research was conducted on sample unit of 125 experienced online shoppers of apparels in Delhi-National Capital Region. Study has been identified the fashion styling, pricing, quality as important factors. Keyword: Apparel industry, consumer behavior, lifestyle, online shopping

The objective of this paper is to examine the impact of working capital management (WCM) on profitability (P) of pharmaceutical industry in India. The investigation is conducted on a panel of 33 firms of the period from 2002-03 to 2011-12 which listed their shares in Bombay Stock Exchange. The impact of (WCM) on (P) is studied using measures viz Quick Ratio (QR), Working Capital Turnover Ratio (WCTR), Debtors Turnover Ratio (DTR), Fixed Assets Turnover Ratio (FATR), Proprietary Ratio (PR), Current Assets to Proprietor's Fund (CA_PF), Solvency Ratio (SR), and Return on Investment (ROI). The study used Multiple Regression Technique besides using descriptive statistics such as Mean and Standard Deviation. The results of the study show that there is a significant effect of WCM in respect of selected predictor variables viz QR, WCTR, DTR, FATR, PR, CA_PF, and SR on P of Pharmaceutical Industry in India for the study period. Keywords: Pharmaceutical industry, profitability, proprietor's fund, returns on investment, working capital management. JEL Classification: G30, G32

This study examines the causes for interest rates falling to very low levels in developed countries. Short term interest rates are at 0% for the second time in the last 5000 years with the previous such instance accompanying cataclysmic changes in the world while long term interest rates are at their lowest in the last 2000 years or so. Based on the experience of these countries, it identifies risks associated with very low interest rates as well causes that drive extremely low or subzero interest rates. The main factors driving very low interest rates are: (a) Recessionary trends accompanied by reduced investments; (b) Very low rates of inflation coupled with expectation of inflation as well as growth remaining low; (c) Need to control currency appreciation; (d) Demographic changes in the nation due to changing patterns of birth v/s death rates with the older generation having different demands as well as being more risk averse; and (e) Reluctance to carry out required fiscal or structural corrections leading to over utilization of the monetary route reducing its effectiveness. The risks of exceedingly low or sub-zero interest rates include: (a) Squeezing of bank interest margins to an extent that could jeopardize classic bank operations accompanied by households shifting their money into other assets or hoarding it; (b) Creation of credit bubbles that could exacerbate the economic problems further; (c) Failure to boost investments unless the economic scenario looks positive and companies expect sizable demand for their products; and (d) Reemergence of a changed version of colonial system of forced wealth redistribution. The solution to this challenge lies in understanding that very low or subzero interest rates have not proven themselves as long term options for meeting inflation targets or managing currency appreciation nor does it guarantee investments that ensure growth. They are, therefore, a temporary solution at best and national economies or their central banks would do well to explore fiscal measures for sustained growth. Keywords: Short Term Interest, Long Term Interest, Inflation, Currency appreciation

ERP has one comprehensive real-time database for reducing data redundancy and integrated business process and seamless transitions between business transactions. ERP integrates inventory data with financial, sales, and human resources data, enabling organizations to price their products, produce financial statements, and manage people, materials, and money better. But, ERP is a driver of comprehensive change, business process improvements, and process orientation which results the performance of the external environment of an organization. This research paper throws light on the impact of the people resources involved during the ERP implementation process on the performance related to the external environment of an organization. Structural Equation Modeling using PLS software was applied for the analysis of data. The study found that User and Consultant Resources used during ERP implementation were associated with the external environment of an organization. Keywords: People Resources, ERP implementation, external environment etc.

This study investigates the effect of organizational commitment on customer satisfaction while considers the role of mediator professional commitment (Case study: Tehran Agricultural Bank). The research in terms of type and purpose is an applied-descriptive study and in term of methodology is a survey-cross sectional research. The gathering information has been done by two ways that is library and field methods. The study population included 1,000 employees of Agricultural Bank and 1,000 customers that have received more than 1 billion rial facilities. For determining sample size by using Morgan and krejcie table, therefore the number of 454 employees and customers of Agricultural Bank was selected by using random sampling. For determining the reliability of measuring instruments by SPSS, and by using Cronbach's alpha Reliability of the questionnaire was confirmed. Also for increasing the questionnaire validity academic experts' comments was exploited. In this study, two groups of descriptive and inferential statistical techniques will be used. Mean central index and standard deviation diffusion index were estimated for the structures of questionnaire and in order to describe the intensity of the relationship among variables, the correlation between them will be calculated. To test the hypotheses, regression analysis through SPSS software was used.Hypotheses were tested by significant numbers that were software output. The results showed that; Organizational commitment (considering the role of mediator professional commitment) has impact on customer satisfaction. Moreover replication commitment, integrity commitment and Exchange commitment have impact on Professional commitment and Professional commitment has impact on customer satisfaction. Keywords: Organizational Commitment, Replication Commitment, Commitment to integrity, Exchange commitment, Professional commitment, Customer satisfaction

The research subject examined the dynamics of Ukraine international trade with countries which it has created and intends to create the free trade areas. The import, export and trade balance data were taken as the basis in the period from 2004 till 2014. The exports, imports and trade balance are the most important figures in the studying of the international trade. The export is a transportation of goods, works and services, results of intellectual activity, including exclusive rights to them from the customs territory of the abroad countries without the obligation of re-importation. The transportation capacity of goods and services and results of intellectual activity characterizes the indicator "export" that is calculated in terms of cost for a certain period, usually for a year. The import is a transportation of goods, works and services, results of intellectual activity, includes exclusive rights to them, the customs territory of the countries from abroad without the obligation to the re-export. This process describes the indicator "import" that is calculated in terms of cost for a certain period, usually for a year. The trade balance is the difference between cash receipts and costs over time. The forecast was made on the dynamics of international trade basis within the free trade areas framework in the future. If exports (revenues) are bigger than imports (payments), the balance is positive and the trade balance is active. If exports (revenues) are less than imports (payments), the balance is negative and trade balance is passive. The research methodology is economic modeling techniques and such methods like observation and comparison. The research goal is to study the dynamics of international trade within Ukraine free trade areas, the forecast forward for several years, comparing different indicators for years. The ultimate goal is to solve the pertinence one or another free trade area for Ukraine for economic point of view and answering the question can it be profitable for Ukraine. The conclusion of the research is that Ukraine needs to create free trade areas with other countries, as well as other countries, it must integrate into the global economy through globalization worldwide. From our point of, all of the free trade areas are equally important for Ukraine, because they bring revenue to the country through the international trade. The priority for Ukraine is free trade area with the EU. The largest trading partners of Ukraine among the countries the EU members are traditionally Germany, Italy, the Great Britain and Poland, Hungary and Slovakia. By all indicators, despite the recession of trade due to the global financial crisis, such alliances are profitable for Ukraine, because in the future they can become more powerful unions. Keywords: Integration, International Trade, Free Trade Area, Polynomial Trend, Forecast, Turnover.

Comparative corporate governance is now a days most commonly used term in recent studies around the world. Several studies also conducted in Bangladesh regarding corporate governance but few studies found regarding in this issue. Organization for Economic Co-operation and Development (OECD) provided principles, guidelines and codes that become international benchmark and basis for development of every countries' own guidelines and codes for corporate governance around the world. Through this study, a comparative corporate governance study is conducted to identify convergences with revised OECD principles as well as the reforms and challengs with the newly issued guidelines in Bangladesh studied here. Keywords: Governance, Convergence, Economic, Shareholders.

The concept of person organization fit (P-O fit) has been analyzed and evaluated by different authors; however, the multiple conceptualization of person organization fit reveals that no real consensus exists regarding this concept. This paper, therefore, presents an exhaustive review of person organization fit definitions and its conceptual models which include both complementary and supplementary fit perspectives, so as to arrive at a common inflexion. Also various operationalizations of person organization fit (P-O Fit) are discussed. Further, an attempt is made to integrate these operationalizations with respect to their conceptualizations. These segregations and definitional issues frame a review of the existing literature and also provide basis for future research and suggestions for practical implications. Keywords: Person Environment Fit, Person Organization Fit, Supplementary & Complementary Fit, Needs-Supply & Demand- Ability Fit.