Ijrcm 3 Evol 2 Issue 9 Art 22 (1)

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    VOLUME NO.2(2012),ISSUE NO.9(SEPTEMBER) ISSN2231-4245

    A Monthly Double-Blind Peer Reviewed (Refereed/Juried) Open Access ntern!tion!l e-Journ!l - ncluded in the ntern!tion!l "eri!l Directories

    Indexed & Listed at:

    Ulrich's Periodicals Directory, ProQuest, U.S.A., EBSCO Publishing, U.S.A., Cabells Directories of Publishing Opportunities, U.S.A.

    as well as inOpen J-Gage, India [link of the same is duly available at Inflibnet of University Grants Commission (U.G.C.)]

    Registered & Listed at: Index Copernicus Publishers Panel, Poland

    Circulated all over the world & Google has verified that scholars of more than 1500 Cities in 141 countries/territories are visiting our journal on regular basis.

    #round $loor% Buildin& 'o *+-,-% Devi Bh!w!n B!!r% JA#AD.R 01 **0% 2!3un!n!&!r% .!ry!n!% 'DA

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    VOLUME NO.2(2012),ISSUE NO.9(SEPTEMBER) ISSN2231-4245

    INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, ECONOMICS & MANAGEMENTA Monthly Double-Blind Peer Reviewed (Refereed/Juried) Open Access ntern!tion!l e-Journ!l - ncluded in the ntern!tion!l "eri!l Directories

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    ii

    CONTENTSCONTENTSCONTENTSCONTENTS

    Sr.

    No. TITLE & NAME OF THE AUTHOR (S)Page No.

    1 THE DEVELOPMENT OF THAI HERBAL TRADITIONAL RECIPES FOR TREATMENT IN COMMUNITIESDR. PATTHIRA PHON-NGAM

    1

    2 DO FINANCIAL VARIABLES INFLUENCE MARKET PRICE OF BANK SHARES IN BANGLADESH: A CASE STUDY ON NATIONAL BANK LTD. ANDISLAMI BANK BANGLADESH LTD.

    MOHAMMAD ARIFUL ISLAM & M. MUZAHIDUL ISLAM

    5

    3 MEASURING STUDENTS PERCEPTION TO!ARDS UNIVERSITY SELECTION: AN EMPIRICAL INVESTIGATION ON MALAYSIAN POSTGRADUATESTUDENTS

    ABDULLAH AL MAMUN SARWAR, AHASANUL HAQUE & AHMAD ZAKI HJ ISMAIL

    13

    " USAGE OF RUBRICS FOR EFFECTIVE CLASSROOM EVALUATIONDR. MD. ABBAS ALI & DR. T. VENKAT RAM RAJ

    21

    5 THE IMPACT OF !ORK RELATED ATTITUDES ON TASK AND CONTE#TUAL PERFORMANCE: A COMPARATIVE STUDY IN PUBLIC ANDPRIVATE BANKS IN SRI LANKA

    U.W.M.R. SAMPATH KAPPAGODA

    23

    $ CALL CENTRE OUTSOURCING PRACTICES ADOPTED BY MOBILE PHONE COMPANIES IN KENYALEWIS KINYUA KATHUNI & NEBAT GALO MUGENDA

    2%

    % E#ERCISE OF CADRE CORDINATION BY !ORKMEN BY VIRTUE OF PROPER TRAINING AT OPEN CAST MINES AT NORTHERN COALFEILDSLIMITED, SINGRAULI MADHYA PRADESH'

    ABHINAV KUMAR SHRIVASTAVA & DR. N. C. PAHARIYA

    35

    ( RURAL HEALTH) AN ENGINE FOR ECONOMIC DEVELOPMENTSHEETAL SHARMA & DR. PAVNESH KUMAR

    "*

    + ORGANIATIONAL CITIENSHIP BEHAVIOR OF MEMBERS OF SELF HELP GROUPS AND ITS IMPACT ON GROUP PERFORMANCEC.MURALIDHARAN, R.VENKATRAM & K.MANI

    "5

    1* A COMPARATIVE STUDY TO ANALYSE THE RE-UIREMENT OF AN EFFECTIVE AND VALUE)BASED HIGHER EDUCATION SYSTEM !ITHREFERENCE TO INDIA

    DR. RAMESH KUMAR

    "+

    11 INE-UALITY AMONG STATES OF INDIA: HUMAN DEVELOPMENT ASPECTSUNEEL KUMAR

    5"

    12 A CRITICAL ANALYSIS OF HOUSING SHORTAGE IN INDIADR. MOOL CHAND & DR. RAJ PAL SINGH

    $1

    13 BANKS EMPLOYEES PERCEPTION ON -UALITY OF !ORK LIFE AND ITS RELATION !ITH JOB SATISFACTION IN MAL!A REGION OF PUNJABDR. GIRISH TANEJA & LALITA KUMARI

    %*

    1" STUDY OF CONSUMPTION PATTERN OF COSMETIC PRODUCTS AMONG YOUNG MALES IN DELHIABDULLAH BIN JUNAID & DR. RESHMA NASREEN

    %%

    15 SELF HELP GROUP IN SOCIO ECONOMIC TRANSFORMATION !ITH SPECIAL REGERENCE TO COIMBATORE

    DR. SARAVANAKUMAR & S. MAMTA

    (%

    1$ INDUSTRIAL E#PANSION AND GLOBAL !ARMINGDR. MANZOOR A SHAH

    +"

    1% GLOBAL FINANCIAL CRISIS II: IMPLICATION ON INDIA BOON OR BANE'DR. ANUPRIYA PANDEY

    +%

    1( FACTORS THAT ENCOURAGE IMPULSE PURCHASE & IMPACT OF VISUAL MERCHANDISING ON THE PURCHASE DECISION OF !OMEN FORBEAUTY PRODUCTS IN GUJARAT

    MITAL THAKOR & SANDIP G PRAJAPATI

    1*1

    1+ STUDY GROUPS, GROUPING CRITERIA AND THE SYNERGY IN EDUCATIONAL SYSTEM: A -UALITATIVE RESEARCH AMONG FDPPARTICIPANTS

    SIMON JACOB C

    1*5

    2* INCOME GENERATION AND EMPO!ERMENT OF DALIT !OMEN IN LUCKNO! DISTRICTDR. KAUSHIKI SINGH

    1*+

    21 TESTING THE !EAK FORM EFFICIENCY IN !ORLD STOCK MARKET: A CASE STUDY IN AUSTRALIADR. REKHA GUPTA

    11(

    22 A COMPARATIVE ANALYSIS ON HOME LOANS OF PUBLIC &PRIVATE SECTOR BANKS IN INDIAPUSHPA SANGWAN & KANWAR BHAN

    121

    23 IMPLICATIONS OF THE SHIFT IN GLOBAL ECONOMIC PO!ER: AN ANALYSISDR. JAYA PALIWAL

    12$

    2" CONSUMERS COMPLIANCE TO ADOPT ECO)FRIENDLY PRODUCTS FOR ENVIRONMENTAL SUSTAINABILITYJYOTI GOGIA & NANDINI SHARMA

    13*

    25 AN INNOVATIVE MODEL OF SOCIAL!ORK EDUCATION AND PRACTICEM.YALADRI, DR. R. SUDHAKAR GOUD & K.NARSAIAH

    13$

    2$ EMPLOYEE EMPO!ERMENT: A NEED FOR COPORATE SURVIVALDR. V. TULASI DAS, DR. P. HANUMANTHA RAO & DR. B. VENKATA RAO

    13+

    2% HUMAN RIGHTS: AN OVERVIE! IN INDIAN FRAME!ORKZAINAB FATIMA & MOHD YASIN WANI

    1"3

    2( TERM STRUCTURE OF INTEREST RATES AND FISHER EFFECT IN INDIA: AN EMPIRICAL ANALYSISRANJAN KUMAR MOHANTY & BRAJABANDHU NAYAK

    1"+

    2+ EMPLOYEE RETENTION

    SWATI GUPTA, DR. PUNEET JAIN & DR. BHAVNA AGARWAL

    15+

    3* SOCIO)ECONOMIC UPLIFTMENT OF GUJJAR TRIBE IN JAMMU & KASHMIRSWATI GUPTA & FARHAT BANO BEG

    1$2

    RE-UEST FOR FEEDBACK 1$%

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    VOLUME NO.2(2012),ISSUE NO.9(SEPTEMBER) ISSN2231-4245

    INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, ECONOMICS & MANAGEMENTA Monthly Double-Blind Peer Reviewed (Refereed/Juried) Open Access ntern!tion!l e-Journ!l - ncluded in the ntern!tion!l "eri!l Directories

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    iii

    CHIEF PATRONCHIEF PATRONCHIEF PATRONCHIEF PATRONPROF. K. K. AGGAR!AL

    ,h!ncellor% 5in&!y!6s 7niversity% Delhi

    $ounder 8ice-,h!ncellor% #uru #obind "in&h ndr!pr!sth! 7niversity% Delhi

    9: Pro 8ice-,h!ncellor% #uru J!3bheshw!r 7niversity% .is!r

    FOUNDERFOUNDERFOUNDERFOUNDER PATRONPATRONPATRONPATRONLATE SH. RAM BHAJAN AGGAR!AL

    $or3er "t!te Minister for .o3e ; in&do3 of "!udi Ar!bi!

    PROF. SIKANDER KUMAR,h!ir3!n% Dep!rt3ent of 9cono3ics% .i3!ch!lPr!desh7niversity% "hi3l!% .i3!ch!l Pr!desh

    PROF. SANJIV MITTAL7niversity"chool of M!n!&e3ent "tudies% #uru #obind "in&h P 7niversity% Delhi

    PROF. RAJENDER GUPTA

    ,onvener% Bo!rd of "tudies in 9cono3ics% 7niversity of J!33u% J!33uPROF. NA!AB ALI KHAN

    Dep!rt3ent of ,o33erce% Ali&!rh Musli3 7niversity% Ali&!rh% 7P

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    VOLUME NO.2(2012),ISSUE NO.9(SEPTEMBER) ISSN2231-4245

    INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, ECONOMICS & MANAGEMENTA Monthly Double-Blind Peer Reviewed (Refereed/Juried) Open Access ntern!tion!l e-Journ!l - ncluded in the ntern!tion!l "eri!l Directories

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    iv

    PROF. S. P. TI!ARI.e!d% Dep!rt3ent of 9cono3ics ; Rur!l Develop3ent% Dr R!3 M!noh!r 5ohi! Av!dh 7niversity% $!i!b!d

    DR. ANIL CHANDHOKProfessor% $!culty of M!n!&e3ent% M!h!rishi M!r=!ndeshw!r 7niversity% Mull!n!% A3b!l!% .!ry!n!

    DR. ASHOK KUMAR CHAUHANRe!der% Dep!rt3ent of 9cono3ics% >uru=shetr!7niversity% >uru=shetr!

    DR. SAMBHAVNA$!culty% h!ls!5ub!n!#irls,olle&e% B!r!r!% A3b!l!

    SUNIL KUMAR KAR!ASRAPrincip!l% A!=!sh,olle&e of 9duc!tion% ,h!nder>!l!n%

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    VOLUME NO.2(2012),ISSUE NO.9(SEPTEMBER) ISSN2231-4245

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    v

    CALL FOR MANUSCRIPTSCALL FOR MANUSCRIPTSCALL FOR MANUSCRIPTSCALL FOR MANUSCRIPTS?e invite unpublished novel% ori&in!l% e3piric!l !nd hi&h @u!lity rese!rch wor= pert!inin& to recent develop3ents ; pr!ctices in the !re! of

    ,o3puter% Business% $in!nce% M!r=etin&% .u3!n Resource M!n!&e3ent% #ener!l M!n!&e3ent% B!n=in&% nsur!nce% ,orpor!te #overn!nce

    !nd e3er&in& p!r!di&3s in !llied sub4ects li=e Accountin& 9duc!tion Accountin& nfor3!tion "yste3s Accountin& .e!lth ,!re Ad3inistr!tion 5!bor Rel!tions ; .u3!n Resource M!n!&e3ent M!r=etin& Rese!rch M!r=etin&

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    VOLUME NO.2(2012),ISSUE NO.9(SEPTEMBER) ISSN2231-4245

    INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, ECONOMICS & MANAGEMENTA Monthly Double-Blind Peer Reviewed (Refereed/Juried) Open Access ntern!tion!l e-Journ!l - ncluded in the ntern!tion!l "eri!l Directories

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    vi

    1 KEY!ORDS:Abstr!ct 3ust be followed by ! list of =eywords% sub4ect to the 3!:i3u3 of five w!tr!% # (E**H) 9ffectiveness of "oci!l Advertisin& A "tudy of "elected ,!3p!i&ns% ,orpor!te "oci!l Responsibility% 9dited by D!vid ,rowther ;'ichol!s ,!p!ldi% Ash&!te Rese!rch ,o3p!nion to ,orpor!te "oci!l Responsibility% ,h!pter 1% pp EHI-0*0

    JOURNAL AND OTHER ARTICLES

    "che3enner% R?% .uber% J, !nd ,oo=% R5 (HI)% K#eo&r!phic Differences !nd the 5oc!tion of 'ew M!nuf!cturin& $!cilities%K Journ!l of 7rb!n 9cono3ics%8ol E% 'o % pp H0-*+

    CONFERENCE PAPERS

    #!r&% "!3bh!v (E*) KBusiness 9thicsK P!per presented !t the Annu!l ntern!tion!l ,onference for the All ndi! M!n!&e3ent Associ!tion% 'ew Delhi% ndi!%EE June

    UNPUBLISHED DISSERTATIONS AND THESES

    >u3!r " (E*) K,usto3er 8!lue A ,o3p!r!tive "tudy of Rur!l !nd 7rb!n ,usto3ers%K uru=shetr! 7niversity% >uru=shetr!ONLINE RESOURCES

    Alw!ys indic!te the d!te th!t the source w!s !ccessed% !s online resources !re fre@uently upd!ted or re3oved!EBSITES

    #!r&% Bh!vet (E*)

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    VOLUME NO.2(2012),ISSUE NO.9(SEPTEMBER) ISSN2231-4245

    INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, ECONOMICS & MANAGEMENTA Monthly Double-Blind Peer Reviewed (Refereed/Juried) Open Access ntern!tion!l e-Journ!l - ncluded in the ntern!tion!l "eri!l Directories

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    EE

    FIG. 1: CREDIT REPORT OF DIFFERENT ASIAN COUNTRIES

    OBJECTIVES OF STUDY

    is declinein productivity !nd efficiency !nd erosion of profit!bility

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    VOLUME NO.2(2012),ISSUE NO.9(SEPTEMBER) ISSN2231-4245

    INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, ECONOMICS & MANAGEMENTA Monthly Double-Blind Peer Reviewed (Refereed/Juried) Open Access ntern!tion!l e-Journ!l - ncluded in the ntern!tion!l "eri!l Directories

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    E0

    COMPARATIVE ANALYSIS OF HOME LOAN SCHEMES OFFERED BY DIFFERENT BANKS

    B/ PNB UBI HDFC ICICI

    9li&ibility ndividu!l E ye!r !&e% 3!y be

    e3ployed or self e3ployed

    ndividu!l ndividu!l

    5o!n

    A3ount

    $or Rep!ir- E*

    5!=hs

    + ti3es of !nnu!l &ross

    inco3e of 1 ti3es of

    !nnu!l net inco3e

    'o li3it +H ti3es of s!l!ry or 1* 5!=hs (which

    everis less)

    R!teof

    nterest

    7nder fi:ed option up to 1 ye!rIE1L F

    to * ye!r*E1L% to E* ye!rs *1Lye!rs E to E1 ye!rs-L

    $i:ed option up to 1 ye!r

    II1L% F to * ye!rHI1L!bove * ye!r-L

    $i:ed option 7p to 1 ye!r

    E1L F ye!r to * ye!r1L to E* ye!rs-*1L

    $i:ed option up to 1 ye!rs I1L% 1

    ye!rto * ye!rs *E1L% * ye!rs to 1ye!rs *I1L !bove 1 ye!rs *I1L

    "ecurity 9@uit!ble

    Mort&!&e

    #u!r!ntee

    9@uit!ble

    Mort&!&e

    #u!r!ntee

    9@uit!ble

    Mort&!&e

    #u!r!ntee

    9@uit!ble

    Mort&!&e

    #u!r!ntee

    Rep!y3ent

    Period

    M!:i3u3 E1 ye!rs M!:i3u3 E* ye!rs M!:i3u3 E* ye!rs M!:i3u3 E* ye!rs

    M!r&in +*L house

    E*L rep!ir

    1Lfor purch!se 1L 1L

    Processin&

    ,h!r&e

    7p to E1***-ero E1*** to E

    l!=hs1L!bove E 5!=hs EL

    *1*L of lo!n !3ount H of lo!n !3ount L of lo!n !3ount

    ANALYSIS & INTERPRETATION

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    VOLUME NO.2(2012),ISSUE NO.9(SEPTEMBER) ISSN2231-4245

    INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, ECONOMICS & MANAGEMENTA Monthly Double-Blind Peer Reviewed (Refereed/Juried) Open Access ntern!tion!l e-Journ!l - ncluded in the ntern!tion!l "eri!l Directories

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    E+

    ndependent "!3ples

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    VOLUME NO.2(2012),ISSUE NO.9(SEPTEMBER) ISSN2231-4245

    INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, ECONOMICS & MANAGEMENTA Monthly Double-Blind Peer Reviewed (Refereed/Juried) Open Access ntern!tion!l e-Journ!l - ncluded in the ntern!tion!l "eri!l Directories

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    E1

    RECOMMENDATIONS AND SUGGESTIONS S

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    EF

    REQUEST FOR FEEDBACK

    D/9 R/9

    At the very outset% ntern!tion!l Journ!l of Rese!rch in ,o33erce% 9cono3ics !nd M!n!&e3ent (JR,M)

    !c=nowled&es ; !ppreci!tes your efforts in showin& interest in our present issue under your =ind perus!l

    would li=e to re@uest you to supply your critic!l co33ents !nd su&&estions !bout the 3!teri!l published

    in this issue !s well !s on the 4ourn!l !s ! whole% on our 9-3!il 067;894.79

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    INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, ECONOMICS & MANAGEMENTA M hl D bl Bli d P R i d (R f d/J i d) O A i l J l l d d i h i l " i l Di i