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He further suggests that the aim of banking policy should be to uplift the under privileged class of
the society in rural India from subsistence existence to surplus existence. Norudin Mansor et al.
(2012) in their article entitled “Determinants of Awareness on Islamic Financial Institution E-
Banking among Malaysian SMEs”, point out those three factors such as promotion, technology and
service quality as independent variable. Chockalingam and Sundarraj (2007) in their article entitled
“Trends in the Flow of Bank Credit to SSI Sector”, suggests that an entrepreneur of the SSI sector to
submit all the required information and necessary documents at one instance for avoidance of the
unnecessary delay in processing of the loan sanction decisions. To browse Academia.edu and the
wider internet faster and more securely, please take a few seconds to upgrade your browser. The
study also reveals that the service and satisfaction is determined by the branch?s location and design
variety of services, systems and procedures, delegation and decentralization, mechanization and
computerization, compliant redressal skills, attitudes and responses of the staff. Rani and Rao (2008)
in their article entitled “Financing Small Enterprises: Recent Trends”, conducted a research that Small
and Medium Enterprise sector is a vibrant and dynamic one, and an engine of growth. Venkateswara
Rao (1995) in his article entitled “Development of SSI”, states that the survey conducted by the RBI
and the National State Insurance Corporation (NSIC) also established that the small units use capital
more efficiently and the profitability of the small- scale sector is higher than that of large-scale sector.
Fulltext Fulltext Open Educational Resources.pptx Open Educational Resources.pptx Role of
Library in promoting Research and Scholarly Communication in Digital. According to the study, the
most preferred service provider was Airtel (31%). Namasivayam and Kamalakannan (2005) in their
article entitled “Financing of Small Scale Industries in Rural Development”, strongly comments that
more than 70 per cent of the population lives in rural India and therefore, the financial institutions
should encourage and create awareness on financial literacy among the small entrepreneurs. Centre is
also developing a semantic web-based interface to. Innovations in ICTs become a boon to avoid
duplication as well as utilization of these studies. In addition solving of delayed payments to small
industries by setting up of “factoring services” through Small Industries Development Bank of India
(SIDBI). Abejo (2002) conducted a study on the adversity quotient of employees of a college.
National Journal of Multidisciplinary Research and Development. The researcher describes an
approach for encouraging readiness for change, a model which supports individual change readiness
by enabling a shift from threat and control-focused coping to problem-focused coping, thereby
increasing capacity to deal positively with the change. Once the dividend policy is set the investment
decision can be made as desired C) The investment policy is set before the dividend decision and not
changed by dividend policy. They found that consumers whose overall usage revenue per minute was
greater than 75 paise and those with greater usage of value added services were most susceptible to
churn. Financial weakness often stems from the lack of understanding of the financial impact of key
strategic decisions, inadequate financing, too much debt, little or no debt management and a wrong
finance mix. Technology turned out to be the most significant of the change levers responsible for
turnaround with Marketing being the second reason. Approaches To Shodhganga A Reservoir Of
Indian Theses Approaches To Shodhganga A Reservoir Of Indian Theses Use and Awareness of
Open Access E -Resources Among Academicians in Kerala. Browse our recent articles or go back
and try again. The thesis is usually 60 to 80 pages long and is a purely literary work. REVIEW OF
EMPIRICAL STUDIES CONDUCTED ABROAD: 1) (john consler, 2011)The object of this paper
was to make the comparison of relative power of operating cash flow and earnings in the prediction
of dividends. 1902 dividends paying firms were analysed for study purpose. Effect of Prezi Based
Presentations on Achievements of Pre-Service Teachers i. Hutch employees disliked the color red as
it was the color used in Airtel logo, the competitor. The state has comparable package on record, but
the quality of delivery of the same was perceived by the entrepreneurs to be poor in relation to what
units in others get. Avoiding duplication of research work is a serious matter of concern to all nations.
The analysis revealed that out of 18 universities in Kerala, 7 universities contribute to Shodhganga
ETD repository with a total of 10105 theses.
The specific econometric TOBIT regression was used for panel data. Relationship existed between
educational attainment of police officers and AQ’s Page 33. Jaya Sing (2003) “SSIs, Small
Industries, Big Scope”, in the Kisan World, Vol. 30(6), pp. 26-27. Page 27. Most countries have
created an online central database where universities as well as researchers post their theses and
dissertations. So, Indian Higher Education has prepared a system to digitization of Theses and. They
strongly agreed that the employees always welcomed the new customers to subscribe for their
products and services with delight. He supported the idea that people who possess high AQ never
allow age, gender, race, physical or mental disability, or any other obstacle to come in their way. The
CD of the thesis will also have to be provided to the UGC for obtaining the Ph.D. degree in the
university. Scenario 1 (High Appeal, High Likelihood): Expedite: For a change manager functioning
in Scenario 1, the task is relatively clear. It is further stated that information asymmetries between
lenders and borrowers make it hard for banks to determine the real value of a project and lead to
credit rationing. However, course and year level were found to be significantly related to their
adversity quotient for the student Page 31. This perception provides a foundation upon which
resistance or participation ultimately rests. Higher secondary school student’s perception towards
scribblar for learning m. Theses and dissertations remain an untapped and under-utilized asset,
leading to unnecessary duplication and repetition that, in effect, is the antitheses of research and
wastage of huge resources, both human and financial. Training and Rewarding for Change was found
to have a positive impact on the image of the bank with the employees. The results also showed that
family ties, love, and unity were positively correlated with and influenced prevention of committing
suicide. It is found that a few members approached the DIC to get financial assistance. University
School of Engineering and Technology 10 (12.20). Plagiarism is the act of stealing someone else's
work and attempting to pass it off as your own. Legaspi (2012) studied the self-efficacy and
adversity quotient of 50 teenage mothers. The banks have been permitted to categorize their MSME
general banking branches having 60 per cent or more of their advances to MSME sector, as
specialized MSME branches for providing better service to entrepreneurs. The second segment is a
group of studies which throws light on organizational change, employee change readiness and the
various reactions of employees towards organizational change. Centre for Molecular and Cellular
Biology 70 (1.49). To browse Academia.edu and the wider internet faster and more securely, please
take a few seconds to upgrade your browser. Theses and dissertations are known to be the rich and
unique source of information, often the only source of research work that does not find its way into
various publication channels. Assessment centers assessed employees and promotions were offered to
the performing employees. The study observed on entrenchment irrelevance hypothesis, the dividend
signalling hypothesis and the optimal entrenchment hypothesis. Raju (2008) in his article entitled
“Small and Medium Enterprises (SMEs) in India: Past, Present and Future”, conducted a study and
analysed that SMEs form the backbone of the Indian manufacturing sector and have become engine
of economic growth in India. SMEs are considered a profitable business prospect and provide an
important opportunity for cross selling. Their research examines the role that different sources of
communication play in addressing change-related uncertainty for employees.
Stiglitz, J and Weiss, A (1981) “Credit Rationing in Markets with Imperfect Information”, in the
American Economic Review, pp. 393-410. Page 31. As well, loan originators may avoid providing
financing to certain types of SMEs, in particular, start-ups and very young firms that typically lack
sufficient collateral, or firms whose activities offer the possibilities of high returns, but at a
substantial risk of loss. It is found that majority of the consumers were influenced by the family to
select their service provider and a sizeable number of the consumers were influenced by their friends.
However, once addressed, it became readily identifiable. It is important to point out that the
justification for an organizational change was strongly and negatively correlated with the impact of
change on employees. Financial infrastructure needs to be broadened and adequate inflow of credit
to the sector be ensured taking into consideration the growing investment demand, including the
requirements of technological transformation and the banks are looking at the MSME sector as a
commercially viable sector. The section on IR Development and Management begins with Scholarly
communication and then moves on to the specific areas of Institutional repositories. Their AQ and
self- empowerment were not found to be affected by their gender, age, class and grade point
average. While the section on Users of institutions having IR begins with general studies on authors
and then sheds light on specific areas such as Experience of IR, Contribution to IR and Opinion
about IR. Such ability enables telecom employees to influence less-literate customers and capture
huge market share for the survival of telecom sector. The perusal of literature reveals that Small and
Medium enterprises face many problems, and inadequate financing is the major one. Fulltext Fulltext
Open Educational Resources.pptx Open Educational Resources.pptx Role of Library in promoting
Research and Scholarly Communication in Digital. Download Free PDF View PDF Shodhganga:
Reservoir of Indian Theses: A boon for Research Scholars Deivam Muniyandi Theses and
dissertation are known to be the rich and unique source of information, often the only source of
research work that does not find its way into various publication channels. Results revealed that
organizational change (an employee outcome variable) is strongly related to the impact of the change
on employees (a content variable) and organizational communication media (a process variable). The
jobs had become vulnerable, less stable and job insecurity had increased. Data for the study were
extracted from Shodhganga as on 10th May 2019. In time to come, ETDs would become more
commonplace, grant-giving agencies and accreditation bodies like AICTE, UGC and NAAC would
make judgments regarding innovative universities by taking note of their initiatives such as ETDs
and IRs. West Africa Scene Setting African Continental Master Plan (CMP) for electrici. Still
nothing could have taken place significantly. Avaya also proved to be successful by doing a joint
venture with Tata Telecom. Author also observed the differences between dividend policies of Omani
companies and developed markets companies. More from The Gandhigram Rural Institute (Deemed
to be University) Impact of Mobile Phone usage on School Students’ Academic Performance
(SSAP). The National University of Malaysia, Selangor, Malaysia. Initially the funds can be
generated through relatives and friends, as the business improves they can easily avail bank loans. An
electronic submission of these dissertations and theses are known as ETDs. SavitribaiPhule Pune
University (Pune), Dr.BabasahebAmbedkarMarathwada University(Aurangabad) and SNDT
University (Mumbai) have contributed highest number of ETDs in the repository. Author also
suggested that investors and analysts predict dividends as a part of their stock valuation work. 2 2)
(Fairchild, 2010) The aim of this paper was to analyse or to focus on the complex relationship
between dividend policy, managerial incentives and firm value. Perceived organizational support was
uniquely positively associated with readiness for corporate transformation changes. However, very
few studies have been conducted in foreign countries, with regard to SME funding. AQ predicted
performance in the organization, with top performers having statistical higher AQs than lower
performers.
Chopra (2006) in his article entitled “Financing for the Decentralised Sector-SMEs”, points out that
the financing for the SMEs in the decentralized sector. Page 10. Malla (2009) in his article entitled
“Financing of MSMEs- Issues and Concerns”. He also points out lack of availability of credit is a
crucial factor inhibiting the growth and development of MSMEs. It was suggested that the leaders in
the international businesses and those who are involved in the decision making should practice open
communication, open-mindedness, team work, coaching and counseling. He also suggests that the
performance of Micro, Small and Medium enterprises show the trend is fluctuating in the
performance of MSME schemes of Canara Bank. The modern market-based model of banking is
more likely to work to the advantage of SMEs than highly controlled banking that is closed to
foreign competition. The Ganga is the symbol of Indian’s age-long culture and. Sultan Sing (2008)
conducted a survey entitled “A Study of the Quality of Services Provided to SSI Customers by
Public Sector Banks”, concludes that the relationship between a bank and its customers is not a one-
time affair but a relatively permanent and enduring one, which requires to be nurtured with good
quality of customer Page 12. The four companies were First Pacific of Hong- Kong, Swisscom of
Switzerland, Alcatel of France and Avaya of USA. Andrew Parish Fulltext Fulltext Farhana sharmin
Open Educational Resources.pptx Open Educational Resources.pptx Ramesh K Kuri Role of
Library in promoting Research and Scholarly Communication in Digital. Balasubramanian (2007) in
his article entitled “the Expanding Role of SIDBI”, points out that the Public Sector Banks
reassessed its lending strategy and brought innovation to leverage technology, revamp system and
develop use more efficient credit assessment tools for faster credit dispensation. The key for change
managers is addressing the emotional state of participants who are confronting change that has little
or no appeal. Satisfaction with their Banking Relationships: A Canadian Study”, the primary goal of
their empirical research study was to identify key drivers of SME satisfaction related to a variety of
aspects of the bank with SME relationship. International Journal of Learning, 18(5), 349-360. Kaur,
G. (2007). A study of Organizational Change and its impact on Employee Job Satisfaction and
Customer Satisfaction in a few selected Public Sector Banks in and around Chandigarh (Doctoral
thesis). The effectiveness of any incentive packages, however well designed it may be depends on
the quality of the system of delivery. They suggested that individuals are more likely to have higher
levels of readiness for organizational change when (a) they experience normative-reductive change
strategies and when (b) they perceive their work environment to have the characteristics associated
with a learning culture. Shodhganga to host these as backup archives. INFLIBNET. Retrieved on
June 8, 2009, from Lazarro, A. (2004, June). Adversity Quotient and the performance of selected
middle managers of the different departments of the city of Manilla as revealed by the 360-degree
feedback system. In the country like India, open access journals and institutional repositories are two
main routes of open access publishing system now a day. This section collects information on the
various changes that have taken place in the telecom companies. Scenario 2 (High Appeal, Low
Likelihood): Encourage and Empower: A change manager functioning under this scenario must work
with willing but skeptical participants. The overall macroeconomic legal, regulatory and financial
framework is the critical determinant of SMEs. Murthy (1980) in his thesis entitled “Financing of
SSI in Rayalaseema”, points out that though the problem of SSI is a multi-dimensional one, it is
revolving around the availability of adequate finance, more so with working capital. He also observes
perceived service quality factors have significant relationship with overall service quality of bank.
The jobs had become vulnerable, less stable and job insecurity had increased. Most of academic
qualification in Pakistan does not emphasize on self development, self management, self control and
adaptability concepts and focuses more towards traditional studies instead of harmonizing in-depth
abilities with study pattern. It was found that the reasons in order of importance due to which
customers switched their operators were call rates, network coverage, value added service and
customer care. Perceived organizational support was uniquely positively associated with readiness for
corporate transformation changes. CBSE and ICSE schools have activities like project work,
assignments which demand students to work on their own. The nine primary participants, prior to
becoming prominent leaders, experienced various degrees of adversity in their youth and adult lives.
He is also suggested that the available institutional network in India have to be provided with
support and extension services. AQ predicted performance in the organization, with top performers
having statistical higher AQs than lower performers. Tayal (2006) studied the turnaround process in
the banking sector with focus on The Bank of Rajasthan Ltd. BSNL occupied the second place with
consumer preference of 17%, followed by Reliance (15%), Aircel (13%), Vodafone (11%), Uninor
(9%), Tata Docomo (3%) and the least preferred operator is Tata Indicom (1%). 47% of consumers
were likely to switch to other service provider. It was inferred that the most important change lever
in which maximum number of changes were sought was technology. Master theses are usually
written to a high standard and are typically written using experienced authors who are familiar with
the intricacies of the relevant subject area. It was found that the customer will not stick with the
service provider only for the sake of brand image. International Centre for Genetic Engineering and
Biotechnology 103 (2.19). Perceived organizational support was uniquely positively associated with
readiness for corporate transformation changes. RBI's initiative to further smoothen the flow of
credit to SSIs, which primarily depend on finance from banks and other financial institutions. As a
result a large number of private operators were allowed to operate in the basic mobile telephony and
Page 4. Innovations in ICTs become a boon to avoid duplication as well as utilization of these
studies. The credit guarantee fund created by SIDBI is not being exploited, as there are still
shortcomings in the scheme. See Full PDF Download PDF See Full PDF Download PDF Related
Papers IMPORTANCE OF ELECTRONIC THESES AND DISSERTATIONS (ETD,S) ON
INTERNET: A SURVEY OF INDIAN ETD REPOSITORY SHODGANGA MOHD IQBAL BHAT
Research Scholar DLIS Mangalore University Dr. MAHESH V. MUDHOL Chairman DLIS
Mangalore University Raja Iqbalnabi ETDs can contain non-text elements such as multimedia,
sound, video, and hypertext links. West Africa Scene Setting African Continental Master Plan
(CMP) for electrici. By using empathetic ability employees please their bosses which results in
sufficient feedback and ultimately results in better performance outcomes. The study brings some
quantitative aspect as well as some important findings from the qualitative analysis of over a
hundred Ph.D. theses from these universities. The qualitative analysis on principal perceptions
regarding their response to adversity revealed a wealth of information. In first, learning was
imparted in leadership skills, case laws, telecom space, people sensitization, and handling worry and
anxiety. Jain (2011) said that India has become one of the fastest growing telecom market in the
world because of its large population, low penetration of telephony, a rise in customers' disposable
income and spending power owing to economic growth. The customers moderately agreed that call
rate charges were satisfactory and they often got innovative schemes to keep their services for long
time. Many banks are striving to ensure credit flow to the larger segment. The result shows that there
is a promising future for 3G- services in India. The result was that most dispositional traits, with the
exception of openness to experience, were correlated with the attitudes towards change in the
expected direction but the correlation was not very significant. The relationship between change
justification and organizational communication media was positively correlated. Institutional
repository defined that digital archive is an academic. Change readiness has been studied in relation
to employee stress, organizational commitment, employee engagement, supervisor relationship, job
satisfaction, demographic variables etc. Banks consider that the SME lending market is large, not
saturated and with a very positive outlook. Among the 29 States, 202 universities were signed MoU,
It is noticed that 54 universities are registered in 2013, 51 universities in 2012, 38 universities
registered in 2011 and 10 universities registered in 2010, as on March 2015, 16 universities are
registered MoU with INFLIBNET for Shodhganga.
International experience proves that there is substantial improvement in the quality of services after
introduction of number portability but Indian mobile operators are not very keen to implement it
fearing customer churn. Employees who had high levels of organizational commitment also showed
higher levels of change readiness. Institute of Advanced Studies in Education 4 (1.94). As a result,
they are forced to raise funds from informal finance such as the loans shark or borrowings from
relatives. The jobs had become vulnerable, less stable and job insecurity had increased. This paper
closely analyses the growth and development of the Indian small scale sector from opening of the
economy in 1991. For example, see theses from Jawaharlal Nehru University. The findings further
suggest that the firms that received bank loans performed better that those without loans. The nine
primary participants, prior to becoming prominent leaders, experienced various degrees of adversity
in their youth and adult lives. It was found that leader-member exchange did not moderate the
relationship between justification and impact of change and organizational communications media.
Shodhganga replicates academic structure of each University. It was also inferred that the main cause
for resistance to change was the culture and the strategy of the bank and also lack of time and
resources. It is to be appreciated that customer service is not about dealing with the people of logic
but with people of emotions. The decline, turnaround and perceptions thereon were studied with
respect to the following change levers: Leadership, Strategy, Structure, Human Resource
Management Practices, Technology, Marketing, Quality and Costs. Public Sector Banks in India are
under intense pressure to perform in today?s volatile market place. He suggests that Industrial
Liberalization and Post WTO regime has made enhancement of competitiveness crucial for the
development of Small and Medium Industries. To reduce these problems of MSMEs the banks
provide various schemes and new products for Page 20. As an evolving discipline, the study of
English literature constantly presents new avenues of rich exploration. When he studied adversity
quotient in relation to the demographic profile of the managers, he found that there was no
significant relation between their age, gender and the adversity quotient scores. The results of the
research showed a positive relation between the two. They suggested that individuals are more likely
to have higher levels of readiness for organizational change when (a) they experience normative-
reductive change strategies and when (b) they perceive their work environment to have the
characteristics associated with a learning culture. Little research is done on employee Change
Readiness and Adversity Quotient in India. Canivel (2009) conducted a study to investigate the
association between the Adversity Quotient, leadership style, performance and practices among the
principals in some private schools. Fatima Veghlom (2009) in his article entitled “Understanding
Bank-SME Relationships: The Influence of Adaptation and Fairness on Customer Satisfaction”. It
was found that there is a gap between the centralized and decentralized sectors in getting the finance
from the banks. Artist Pro is a fresh website demo suitable for multiple publishing projects. Murthy
(1980) in his thesis entitled “Financing of SSI in Rayalaseema”, points out that though the problem
of SSI is a multi-dimensional one, it is revolving around the availability of adequate finance, more so
with working capital. The proposed model suggested that self efficacy and appropriateness of
change affect the employee’s affective commitment to change which further affects his level of
individual change and turnover intentions. Mester (1997) in his article entitled “What?s the Point of
Credit Scoring?” indicates banks have discovered that business owner characteristics rather than
business characteristics are better predicators of commercial business loan performance. Agarwal
(1987) in his article entitled “Bank Financing of Small-Scale Industries in India”, defines that the
Indian banking system has failed extent appropriate amount of loan to SSIs.