Vol 1, No 1

Table of Contents


A Comparison of Financial Performance in the Banking Sector: Some Evidence from Pakistani Commercial Banks PDF
Faisal Abbas, Muhammad Tahir, Mutee-ur Rahman

The purpose of this study is to check the financial performance of the commercial banks of Pakistan by covering the period of five years from 2007 to 2011. The reasons for choosing this period is repaid growth of the banking sector of Pakistan and revolutionary change in financial performance of banks. There are more than twenty scheduled banks in Pakistan and out of those we have selected top five scheduled banks on the basis of their networks consist of more than 4000 branches. There are so many past studies in which the researchers used different financial ratio to check the financial performance of the Commercial banks such like Return on assets (ROA), Return on Equity (ROE), Return on Capital (ROC) and by using some other operating and efficiency ratios. But in this study, we used another indicator for assessment of financial performance that is Return on Operating Fixed Assets (ROFA). Return on Fixed Assets indicates that how the banks are using their Operating Fixed Assets and what is the contribution of the Operating Fixed Assets in the performance of the banks. This study shows that banks having more Total Assets, Total equity and Total operating fixed assets have better financial performance or not. Its does not means that the banks having higher total assets, higher total operating fixed assets and higher equity have better performance.

Development of Theory and Practice of Program Resource Management PDF
Venelin Georgiev
One of the issues that are often in the focus of discussions at various circles experts are related to the field of security and innovation. According to some authors the development is security and no security without development. Experts in innovation, in turn, try to classify the phenomenon in which are willing to accept the existence of evolutionary, radical and systemic innovation. Discussion on both topics can be carried in the field of resource management and this will not be a mistake because of two facts. Firstly the limited amount of resources is always a reason to think about the efficiency of their management. At stake efficiency means degree of suitability for implementation of certain tasks and achieving certain goals. Secondly, issues of innovative development of approaches to resource management are extremely important and never lose relevance. All of the above should convince the readers of the correctness of the choice of theme or object of study.

To Study the Significant Difference in the Average Yields of Plots of Land under the Use of Six Varieties of Fertilizers in the State of Punjab, India PDF
Abhimanyu Kumar, Anshu Taunk
This paper relates to the study of significant difference in the average yields of plots of land under the application of six different fertilizers which are in organic in nature .The land is divided into sixty six plots of land in the state of Punjab on which this research has been carried out. The study revealed that the difference in the average yields of the plots of land under the six varieties of fertilizers is significant.

Marketing Revolution in Rural India: Emerging Trends and Strategies PDF
Nizamuddin Khan, Mohammad Muqeet Khan

Rural marketing involves the process of developing, pricing, promoting, distributing rural specific product and a service leading to exchange between rural and urban market which satisfies consumer demand and also achieves organizational objectives. In recent years, rural markets have acquired significance, as the overall growth of the economy has resulted into substantial increase in the purchasing power of the rural communities. These markets are extremely attractive with its vast potential but also provide challenges. It is a classic case of risk return situation. The key to reducing the risk is to understand the market, the consumer need and behaviors. The marketers in recent years are thus facing an extremely difficult and challenging tasks of catering to the rural sector, which is now almost impossible to ignore because of its rising income, population growth rate and government thrust on primary sector growth in its current five years plan. This market was so far been left largely to the mercy of local, cheap and fake products apart from few large companies. Organizations in order to succeed are now redefining their marketing mix strategies for the hugely untapped or rather poorly serviced rural markets, which by its sheer population size is much bigger than the combined population of many of the foreign nations. The present paper shall discuss in brief the rural market scenario in India, the growth drivers and challenges that are faced by the rural marketing organizations. It shall also recommend the strategies that can be adopted by the marketing firms in order to succeed in this highly unpredictable and unorganized market.

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