Volume XXXVI
• Number 6 •June 2006 |
|
A Comparative Study on Factors Influencing
Housing Loan Borrowers of Public and Private Sector Banks in
Uthamapalayam Taluk |
|
Every human being aspires of his own house to live in. After
food and clothing, housing is the third most important human
requirement. On an average a person spends almost two-thirds of his
life in a house which his sanctuary in his old age. Adequate housing is
therefore a fundamental need of human beings and an essential
pre-requisite for physical, intellectual and mental development. Blessed
are those who live in their own house and fortunate are those who have
the money to buy one. But all are not privileged to buy a house of
their own. For many such less privileged, buying a house has become
possible in modern times through housing loans. |
Dr.S.Hasanbanu
P.G. Research
Department of Commerce
H.K.R.H. College
Uthamapalayam, Tamil Nadu |
U. Jeya Shree
M.Com(M.Phil Scholar)
Teacher, R.R.B. Ayaa Matric Hr.Sec School
Kombai, Theni District
Tamil Nadu
|
|
Analysis of Brand Preference of Soft drinks
in the Global Environment |
|
One of the most competitive markets in the world at present
is the soft drink market in which crores of rupees on advertisement and
other promotional activities are being spent. It is one of the many
sectors, registering steady growth over a hundred years throughout the
world. In India,
the soft drink industry is flourishing well with a wide range of brands
comprising both popular international and national and regional branded
soft drinks. In the present investigation, the impact of globalisation
on brand preference of soft drinks and the factors determining the brand
preference are studied. |
Dr.(Mrs) S.Banumathy
Reader and Head
Department of Commerce
V.V.Vanniaperumal College for Women Virudhunagar, Tamil Nadu
|
Miss. M.Hemameena
M. Phil Scholar
V.V.Vanniaperumal College for Women,Vidrudhunagar
Tamil Nadu
|
The Changing Scenario of the Consumption Pattern of Employed
People |
|
India is a developing
country, but over the last decade it has witnessed a high GDP growth as
well as a decline in population growth. Growth has averaged 6.2% per
annum since 1994 while the population growth rate has declined from
about 2.1% in the early nineties to around 1.7% during 2004. These two
factors have allowed the highest increase in per capita income in the
country’s history. This has had a very interesting “income” and
“substitution” effects on consumer behaviour. According to official
household surveys, the proportion of population below the poverty line
fell from 51.3% in 1978 to 36% in 1994 and further to 26.1% in 2000. The
purchasing behaviour of people is highly influenced by the changing life
styles, standard of living, modernization and growing employment
opportunities. The increase in per capita income is increasing the
level of consumption expenditure and equally importantly, changing the
consumption basket itself. As one may expect, with households becoming
wealthier they have shifted away from satisfying basic needs to
non-essentials. Hence, this study is an attempt of studying the
consumption pattern of fifty employed people in Kanyakumari District. |
Dr.V.Darling Selvi
Department of Commerce
Women's Christian College
Nagercoil, Tamil Nadu |
Perceptions about Consumer Protection Laws
and the Consumer Forum: An Emperical Study of Complainant- Consumers
of Gulbarga District |
|
There are number of laws, concerning the protection of
consumers, framed by the Government from time to time. Also, to see that
justice is provided to the consumers Government has set up Consumer
Forums in all the districts. These Forums admit consumer complaints and
proceedings are carried out on the basis of the provisions of the
Consumer Protection Act. Since the consumers have every right to be
protected against exploitation of different forms, such defence /
protection is mainly dependent on their awareness about laws enacted by
the Government to protect the consumers. Lack of awareness leads to
non-filing of complaints against the traders at proper time and
consequently non-redressal of the grievance of consumer. |
Dr.Shrimant F.Tangade
Sr.Scale Lecturer in Commerce
Government First Grade College
Sadalaga, Karnataka
|
Dr.Basavaraj C.S.
Professor and Chairman
Department of PG Studies & Research
in Commerce,Gulbarga University
Gulbarga, Karnataka
|
Using Information Technology to Enhance
Customer Service |
|
When an organization is selling its services or products to
another organization or an individual, in many cases, a competitive
advantage is gained by providing superb customer service. Information
technology provides an advantage to the firms as it enhances the speed
of operation and customer responsiveness with reduced cost and workplace
flexibility. Information Technology improves service levels, by giving
access to information, and has an increased geographic and demographic
market reach. Technology is getting integrated, providing wider
applicability and ease of use. With rapid growth in Information and
communication technology, firms failing to utilize or adopt these
technologies will be left far behind. Though the initial investments are
high on the long run, the profits will offset the costs.Appropriate
technology should be used by firms which best suits their business
needs, in turn enhancing customer service, thereby creating a niche for
themselves. Right from front end operations to back end operations, the
entire supply chain can benefit from the use of Information technology. |
A.Veenapani
Senior Lectuer
Department of Business Management
Sarojini Naidu Vanita Mahavidyalaya
Hyderabad |
