Anweshan - journal of Department of Commerce, Vol. 04, No. 01

Permanent URI for this collectionhttps://ir.nbu.ac.in/handle/123456789/2949

EDITORIAL

It is a matter of great satisfaction that despite of so many odds and hindrances finally we have been successful to publish our fourth volume of ANWESHAN on appropriate time. This time we have received huge response from the academic ambience in the form of their academic contribution to this journal. I have also received suggestions and constructive criticism from the learned academic personalities. I am also thankful to my departmental colleagues who have helped me a lot in connection with the publication of this issue on time. In this issue we have been able to accommodate scholarly articles of varied dimensions. A many of them are of analytical in nature and some of them are highly conceptual in their character.

In the first article titled“ Self –Report Driver Stress and Aberrant Behavior” authored by Dr. Kh. Tomba Singh along with A.S. Rapheileng and Kh. Rajib Singh conducted an investigative study on self-report driver stress and aberrant driver behavior in Manipur. They examined the relationship between Driver Stress Inventory and Driver Behavior Survery. It was revealed from the study that predictors could predict penalties but could not predict accidents. High level of drivers stress had been observed to be associated with the increased self-reported driving urgency

The second article titled “Rational Inefficiency: A Discourse on John Richard Hicks, Joe Staten Bain and Harvey Leibenstein” authored by Smt Nandita Pradhan and Prof Indrajit Ray went against the traditional arguments that “in the absence of market failures, rationality generates efficiency”. It had further been argued that “rationality usually reflects the state of mind that determines the course of decision-making for an individual”. They have empathetically argued that rationality should not be considered identical to efficiency. They advocated for a new concept in their paper which they had termed as ‘rational inefficiency’ or equivalently, ‘irrational efficiency’.

The third article titled “ Assessing the role of POSB to cater financial inclusion and delivering rural credit in India” authored by Dr. Amlan Ghosh was an attempt to examine the problems of formal banking to include the excluded people specifically residing in the rural areas regarding granting of small credit. He had also advocated that Post Office Savings Bank could be effectively used by our government to cater this sort of financial need of rural India where our formal banking system failed to a considerable extent.

The fourth paper titled “ Impact of NPAs upon Profitability of State Bank of India- A critical review” authored by Mr. Ajit Kumar and Dr. S.B. Lall was an attempt to investigate whether there existed any relationship between non-performing assets and the performance of banks with special reference to State Bank of India. In their article they had opined that in order to improve the efficiency and profitability of the banks specially in case of public sector banks NPAs should have to be controlled and reduced. They had suggested for strong action against the defaulters.

The fifth paper titled “Business Education and the Skill of Employability : An Empirical Study of East and West Midnapore Districts of West Bengal” authored by Dr. Debasish Biswas and Prof Debabrata Mitra was an attempt to judge the employability skills of Management students. The perception of employers as well as teachers of different management institutions in terms of the employability of management students were also adjudged in this paper. The study was also intended to focus on the existing gap between employers and academicians in terms of employability of management students. It was expected that this study would be helpful in exploring new vistas of skilled development in business education that would serve the future job market requirements in business education in a better and efficient manner.

In the sixth paper titled “Potential Problems of Human Resource Broad Banding Salary Management Strategy” authored by Mr. Debayan Nandi intended to throw some lights on the utilities of Broadbanding. In a broadbanding structure an employee could be easily rewarded for lateral function or skills improvement, whereas in traditional multiple grade salary structure pay hike took place through job promotion. In this paper the author tried to identify the probable problems of broadbanding that often hindered the organizations from its complete application despite of its so many positive advantages.

In the last article titled “Impact of Service Quality on Customer Satisfaction in United Bank of India: An Empirical Study” authored by Dr. Kingshuk Adhikari and Mr. Biswajit Paul was an attempt to study the impact of different service quality dimensions on customer satisfaction. The authors had made an attempt to assess the impact of service quality dimensions on satisfaction of customers of United Bank of India operating within the periphery of Cachar district of Assam. The study concluded that reliability, tangibility and responsiveness dimensions of service quality had significant impact on satisfaction of bank customers.

I strongly hope that the articles published in this issue are highly enriched to provide adequate food for thought to the new and existing researchers working in these fields. Any sort of observations, criticisms are always welcome.

Lastly, I want to express my sincere thanks and gratitude to all staff of North Bengal University Press specially Mr. Indranil Roy and Mr. Debasish Chakraborty for their untiring and relentless effort for bringing out this issue of our Departmental Journal on right time.

Prof Debabrata Mitra
Editor-in-Chief

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    Impact of Service Quality on Customer Satisfaction in United Bank of India: An Empirical Study
    (University of North Bengal, 2016-03) Adhikari, Kingshuk; Paul, Biswajit
    In the new millennium, one of the important challenges faced by majority of banking organizations of any country which is following the principles of market economy is to come up to the expectations of the customers, be it on the front of fund based business or fee based business. Interestingly it has been an established fact that the customers’ expectations cannot be addressed to their full expectations and satisfaction by a bank unless due attention is given to improve the service quality of the bank. Probably, the biggest challenge of any public sector bank of India in the age of intensified competition is to retain the existing customers by delivering quality service to the maximum possible extent after understanding the ever changing priorities and aspirations of its customers. The opening up of the economy and ever changing business environment in general and the banking sector in particular virtually compelled public sector banks to give up their elephantine indifference to the aspirations and priorities of customers and United Bank of India is no exception to this. It is through improving the service quality, a bank attempts to satisfy its customers and compete with its competitors as well as develop its image in the minds of existing and potential customers. Keeping in mind the importance of service quality for enhancing the satisfaction of customers, it has been decided to study the impact of different service quality dimensions on customer satisfaction. The paper makes an attempt to assess the impact of service quality dimensions on satisfaction of customers of United Bank of India within Cachar district of Assam. Statistical tools namely, mean, standard deviation, Cronbach's Alpha, and Multiple regression technique have been applied for analysis and interpretation of data. The study concludes that reliability, tangibility and responsiveness dimensions of service quality have significant impact on satisfaction of bank customers.
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    Potential Problems of Human Resource Broad banding Salary Management Strategy
    (University of North Bengal, 2016-03) Nandi, Debayan
    Broadbanding is a job grading configuration that comes between applying spot salaries and numerous job grades to establish what to pay typical positions and serving within those positions. Broadbanding is an approach to job classification and compensation that takes into consideration content and scope of a job; employee knowledge, skills and abilities; the job market; and employee performance. Broadbanding gives the organization some broad job classifications; but it does not have many distinct job grades unlike traditional salary structures. As a result, broadbanding trims down the prominence on ‘statuses or hierarchy and places more stress on tangential job movement within the company. In a broadbanding structure an employee can be more easily rewarded for lateral faction or skills improvement, whereas in traditional multiple grade salary structures pay hike happens principally via job promotion. In this way, broadbanding is a more flexible pay system. This suppleness, on the other hand, can lead to internal pay relativity problems as there isn’t as much control over salary progression as there would be within a traditional multi-level grading structure. This paper aims at identifying the probable problems of broadbanding that often restrict the organizations from its complete application in spite of its different positive applications
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    Business Education and the Skill of Employability: An Empirical Study on East and West Midnapore Districts of West Benga
    (University of North Bengal, 2016-03) Biswas, Debasish; Mitra, Debabrata
    Business education has a vital role to play in today’s dynamic global arena where at every moment the new challenges are to be met. In order to meet the growing demands most of the multinational and transnational corporations need MBAs who are adaptable, flexible with entrepreneurial attitude and who can act as change agents in the organization. But there is a huge gap between what industry looks for and what is available in terms of skilled students. Enhancing employability skills in business education is considered as an important challenge for all universities, colleges and institutes. We have deliberately made an attempt to judge the employability skills of Management students and we are also interested to know the perceptions of employers as well as teachers of different management institutes in terms of their employability. This study will also try to focus on the existing gap between employers and academicians in terms of employability of students. Above all our study will be helpful in exploring new vistas of skilled development in business education that will serve future job market requirements in business education in a better and efficient way.
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    Impact of NPAs upon Profitability of State Bank of India- A critical review
    (University of North Bengal, 2016-03) Kumar, Ajit; lall, S.B.
    Banking sector is one of the leading indicators of a nation and represents one of the most important components of a nation’s capital. In a same manner loan represents the one of the important components of a bank’s total assets, which generates income for the bank. Timely recovery of the lone is important for the performance of the banks. A loan whose interest or principle has been overdue for over 90 days become NPAs and treated as bad loan. These bad loans are not able to generate income for the bank which affects the profitability of the bank. Therefore, the non-performing loans ratio is a critical tool to measure a bank’s performance. The main function of a bank is to accept deposit which is liability of a bank and provide loan generates income for the bank. The quality of loan assets is the most important factor for the basic viability of the banking system. Lower level of the non performing assets helps the bank in consolidating their position and gives credence to efficiency of the management. The bank not only evaluate the creditworthiness of the borrower at the time of processing of loan but the close monitoring of the borrower regularly will help the banks to reduce the level of NPA. In the era of globalization where whole world is treated as the domestic market, the Indian banks are not able to compete due to certain inherent weakness. The purpose of study is to investigate whether there is a significant relationship between non- performing assets and the performance of bank.
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    Assessing the role of POSB to cater financial inclusion and delivering rural credit in India
    (University of North Bengal, 2016-03) Ghosh, Amlan
    Since the opening up of the economy and reforms in the banking sector in India, rural finance is in back foot. To keep the momentum of the growth at the desired level, India needs to serve the financial need of the excluded masses to bring them into the main stream of developmental process. This paper examines the problems of formal banking to include the excluded people and providing (micro) credit to the poor of rural areas in the present era and advocates why the POSB (Post Office Savings Bank) can effectively be used to cater the financial need of rural India where formal banks/MFIs have very little presence in total demand of finance and failed to meet the aspirations of common people.
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    Rational Inefficiency: A Discourse on John Richard Hicks, Joe Staten Bain and Harvey Leibenstein
    (University of North Bengal, 2016-03) Pradhan, Nandita; Ray, Indrajit
    Rationality and efficiency are often considered two sides of a same coin. Often we argue that in the absence of market failures, rationality always generates efficiency. The present paper, however, goes against this current of wisdom. It argues that rationality reflects the state of mind that determines the course of decision-making for an individual. Efficiency, on the other hand, conventionally reflects the financial results of an economic activity. But the human mind always desires more than what those financial outcomes provide. Therefore, rationality should not be identical to efficiency. This is the concept of ‘rational inefficiency’, or equivalently, ‘irrational efficiency’, which is theme of this article. It discusses in this context three important hypotheses, as developed in the literature on efficiency. Those are (a) the Quiet Life Hypothesis, (b) the Structure-Conduct-Performance Hypothesis, and (c) the x-efficiency Hypothesis.
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    Self-Reporting Driver Stress and Aberrant Behavior
    (University of North Bengal, 2016-03) Singh, Kh. Tomba; Rapheileng, A.S.; Singh, Kh. Rajib
    This paper reports an investigation of self-report driver stress and aberrant driver behaviour in a sample of 300 male bus and truck drivers in Manipur. The relationship between Driver Stress Inventory (DSI)developed by Matthews, Desmond, Joyner, Carcary and Gilliland (1997)and Driver Behaviour Survey (DBS) developed byClapp et al., (2011)were examined. The existing factor structure of both the DSI and DBS generally was supported.However, a fourth factor for the DBS, which provides increased emphasis on hostile gesture, was identified.The logistic regressions result revealed that the predictors (age, experience, mileage and the dimensions of DSI) could significantly predict penalties but cannot predict accidents.High levels of driver stress were consistently found to be associated with increased self-reported driving urgency/aggression and driving fear.