interest factor

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VOLUME NO.4(2013),ISSUE NO.07 (JULY) ISSN0976-2183

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

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INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE & 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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CONTENTSCONTENTSCONTENTSCONTENTSSr.No. TITLE & NAME OF THE AUTHOR (S)

PageNo.

1 A STUDY OF CUSTOMER SATISFACTION FOR IDEA CELLULAR IN EASTERN RAJASTHANDR. KAVALDEEP DIXIT & NEHA JAIN

1

2 AN EMPIRICAL STUDY ON EMOTIONAL INTELLIGENCE OF GENERATION X MANAGERSDR. S. GANESAN & DR. R. KRISHNAMURTHI

10

3 STUDY ON SOURCES OF FUND OF PRIMARY CO-OPERATIVE AGRICULTURE AND RURAL DEVLOPMENT BANKS IN COMPOSITE TOTHANJAVUR DISTRICT

DR. K. RAMAKRISHNAN & S.SOUNDARANAYAHI

13

4 ETHICAL LEGAL AND SOCIAL RESPONSIBILITY IN TOURISM BUSINESSSUBODH KUMAR MISHRA

1!

" A STUDY OF FDI AND INDIAN BANKINGDR. G. S. GAUD & DR. GIRISH KUMAR PAINOLI

20

! RELATIONSHIP BET#EEN TRADE AND FDI$ EVIDENCE FROM FOOD PROCESSING SECTOR IN INDIADR. ASHISH MANOHAR URKUDE & PRAVIN JADHAV

24

% EMPLOYEE PERFORMANCE APPRAISAL IN CEMENT INDUSTRY$ A CASE STUDY OF ACC LIMITED #ADI GULBARGA DISTRICTDR. A. P. HOSMANI & SHAIKH TABASSUM HAMEED

30

SCIENTIFIC INPUT FOR THE TRAINERS OF HRD PRACTITIONERS IN SOFT#ARE INDUSTRYP. SURJITH KUMAR & DR. N. PANCHANATHAM

34

' TO STUDY MARKETING STRATEGIES FOR CAR LOANS CUSTOMERS$ A COMPARATIVE STUDY OF PUBLIC SECTOR BANKS AND PRIVATE

SECTOR BANKS #ITH SPECIAL REFERENCE TO MEERUT U( P(ADITI SHARMA & DR. SUDHINDER SINGH CHOWHAN

3'

10 FINANCIAL ANALYSIS OF INDIAN OIL CORPORATION LIMITEDPAWAN KUMAR, DR. V. K. GUPTA & DR. ANIL KUMAR GOYAL

4!

11 PERCEIVED PERFORMANCE APPRAISAL EFFECTIVENESS AND ITS IMPACT ON ACADEMIC STAFF ORGANISATIONAL COMMITMENTTURNOVER INTENTION$ A CONCEPTUAL MODEL

DR. A KUMUDHA & J. BAMINI

"3

12 A STUDY ON EMPLOYEE #ELFARE ACTIVITIES IN RASHTRIYA ISPAT NIGAM LIMITED VISAKHAPATNAM STEEL PLANTRAKHEE MAIRAL RENAPURKAR

"%

13 A STUDY ON A#ARENESS OF MOBILE MARKETING IN VELLORE DISTRICTDR. M. RAGURAMAN, R. VEERAPPAN & ANGELO JOSEPH

!3

14 ROLE OF SELF-HELP GROUPS IN MOVEMENT OF SOCIO-ECONOMIC AND POLITICAL TRANSFORMATION$ A CASE STUDY IN PURBAMEDINIPUR DISTRICT

SIDDHARTHA CHATTERJEE

!%

1" #OMEN EMPO#ERMENT THROUGH SELF HELP GROUP$ A STUDYPREETI SONI %!

1! IMPACT OF OUT OF BOX ADVERTISING IN INTERNET ON ATTENTION RETENTION AND PURCHASE INTENTIONSS N KUMAR & ANUPAMA SUNDAR

%'

1% THE EFFECT OF DISCLOSURE )UALITY ON STOCK TURNOVERS OF ACCEPTED COMPANIES IN TEHRAN STOCK EXCHANGEAKRAM DAVOODI FAROKHAD & SAYED NAJIB ALLAH SHANAEI

2

1 EFFICIENT COMMUNICATION FOR EFFECTIVE SUPERVISORSDR. VIDHU GAUR

%

1' THE IMPACT OF CAPITAL STRUCTURE ON MICRO FINANCE INSTITUTION PERFORMANCE$ EVIDENCE FROM ETHIOPIAGEMECHU FEYISSA GUDU

'1

20 A STUDY ON PUBLIC BUDGET MANAGEMENT OF HIV*AIDS INTERVENTIONNURUL DWI PURWANTI

'!

21 A STUDY OF POVERTY ERADICATION IN INDIA$ NATIONAL POLICIES PLANS AND PROGRAMSDR. SANJAY KUMAR CHOURASIYA

101

22 A STUDY ON UNDERSTANDING OF RURAL CONSUMER BEHAVIOUR IN INDIASUCHI K. PATEL & ZARNA M. PATEL 10!

23 ENVIRONMENT FOR #OMEN ENTREPRENEURS IN INDIAJAINENDRA KUMAR VERMA

10

24 #ATER RESOURCES AND TOURISM PROMOTION$ A CASE STUDY OF HYDERABADJAYAPRAKASH NARAYANA G

110

2" A STUDY ON EMPLOYEES+ ATTRITION IN BPO SECTOR #ITH SPECIAL REFERENCE TO CHENNAI CITYB.LATHA

113

2! ANALYSIS OF GRO#TH & CHALLENGES FACED BY MANAGEMENT EDUCATION IN INDIA$ A CRITICAL REVIE# OF LITERATUREHIMANI RAVAL

11

2% LEARNING AND DEVELOPMENT IN INFORMATION TECHNOLOGY ,IT COMPANIESSIRISHA DAMARAJU

121

2 #OMEN ENTREPRENEURS+ DEVELOPMENT THROUGH TRAINING AND EDUCATION IN INDIAJAINENDRA KUMAR VERMA

123

2' INTEREST RATE FLUCTUATIONS AND FINANCIAL OUTCOMES OF BANKNG SECTOR$ A CASE STUDY OF PAKISTANASAD ZAMAN, AMMAR ALI GULL, REHAN NASIR, MUHAMMAD BILAL, YASIR PERVAIZ, MUHAMMAD ASIM RIAZ & MUBASHER ASHRAF

12"

30 PEOPLE MANAGEMENT PRACTICES$ A POTENTIAL TOOL FOR ORGANI.ATIONAL PERFORMANCESANTOSH V BILGUNDI, KIRAN KUMAR M & AKSHAY PAI R

130

RE)UEST FOR FEEDBACK 134


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CHIEF PATRONCHIEF PATRONCHIEF PATRONCHIEF PATRONPROF( K( K( AGGAR#AL

,h!ir3!n% M!l!viy! '!tion!l nstitute of 6echnolo&y% J!ipur(An n!""#"$ % N'"%n' I)*%+"'n$ & #- #n$ /- Mn!"+- % H#)'n R$!%#+$ D$0$%*)$n", G%0$+n)$n" % In'1

,h!ncellor% 7 R M!n&!l!3 8niversity% #ur&!on

,h!ncellor% 9in&!y!:s 8niversity% $!rid!b!d

$ounder ;ice-,h!ncellor (


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PROF( ANIL K( SAINI,h!irperson (,R,)% #uru#obind"in&h P 8niversity% Delhi

DR( SAMBHAVNA$!culty% 6M% Delhi

DR( MOHENDER KUMAR GUPTAAssoci!te Professor% PJ9'#overn3ent,olle&e% $!rid!b!d

DR( SHIVAKUMAR DEENEAsst Professor% Dept of ,o33erce% "chool of Business "tudies% ,entr!l 8niversity of 7!rn!t!!% #ulb!r&!

ASSOCIATE EDITORSASSOCIATE EDITORSASSOCIATE EDITORSASSOCIATE EDITORSPROF( NA#AB ALI KHAN

Dep!rt3ent of ,o33erce% Ali&!rh Musli3 8niversity% Ali&!rh% 8P

PROF( ABHAY BANSAL.e!d% Dep!rt3ent of nfor3!tion 6echnolo&y% A3ity "chool of ?n&ineerin& 6echnolo&y% A3ity

8niversity% 'oid!

PROF( V( SELVAM""9% ;6 8niversity% ;ellore

PROF( N( SUNDARAM;68niversity% ;ellore

DR( PARDEEP AHLA#ATAssoci!te Professor% nstitute of M!n!&e3ent "tudies Rese!rch% M!h!rshiD!y!n!nd8niversity% Roht!

DR( S( TABASSUM SULTANAAssoci!te Professor% Dep!rt3ent of Business M!n!&e3ent% M!trusri nstitute of P# "tudies% .yder!b!d

TECHNICAL ADVISORTECHNICAL ADVISORTECHNICAL ADVISORTECHNICAL ADVISORAMITA

$!culty% #overn3ent M "% Moh!li

FINANCIAL ADVISORSFINANCIAL ADVISORSFINANCIAL ADVISORSFINANCIAL ADVISORSDICKIN GOYAL

Advoc!te 6!@ Adviser% P!nchul!

NEENA

nvest3ent ,onsult!nt% ,h!3b!&h!t% "ol!n% .i3!ch!l Pr!desh

LEGAL ADVISORSLEGAL ADVISORSLEGAL ADVISORSLEGAL ADVISORSJITENDER S( CHAHAL

Advoc!te% Pun5!b .!ry!n! .i&h ,ourt% ,h!ndi&!rh 86

CHANDER BHUSHAN SHARMAAdvoc!te ,onsult!nt% District ,ourts% 2!3un!n!&!r !t J!&!dhri

SUPERINTENDENTSUPERINTENDENTSUPERINTENDENTSUPERINTENDENTSURENDER KUMAR POONIA


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Anybody c!n sub3it the / 5of unpublished novelE ori&in!lE e3piric!l !nd hi&h u!lity 67/7869 :6;//6?anytimein M.S. Word

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1 KEY#ORDS$Abstr!ct 3ust be followed by ! list of eywords% sub5ect to the 3!@i3u3 of five 6hese should be !rr!n&ed in !lph!betic order sep!r!ted byco33!s !nd full stops !t the end

I MANUSCRIPT$M!nuscript 3ust be in BRITISH ENLISHprep!red on ! st!nd!rd A+ sie !ORTR"IT SETTIN !"!ER t 3ust be prep!red on ! sin&le sp!ce !ndsin&le colu3n with 3!r&in set for top% botto3% left !nd ri&ht t should be typed in = point ,!libri $ont with p!&e nu3bers !t the botto3 !nd centre of every

p!&e t should be free fro3 &r!33!tic!l% spellin& !nd punctu!tion errors !nd 3ust be thorou&hly edited

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67 S>67/

88 /9>@ 7 67 t should be ensured th!t the t!bles/fi&ures !re referred to fro3 the 3!in te@t

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JOURNAL AND OTHER ARTICLES

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

#!r&% Bh!vet (>*)4 6ow!rds ! 'ew '!tur!l #!s Policy% Politic!l Ceely% ;iewed on J!nu!ry *% >*> http4//epwin/user/view!bstr!ct5sp


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INTEREST RATE FLUCTUATIONS AND FINANCIAL OUTCOMES OF BANKNG SECTOR$ A CASE STUDY OF

PAKISTAN

"S"D %"M"N

STUDENT

C UNI&ERSIT'

F"IS"L"B"D

"MM"R "LI ULL

STUDENT

C UNI&ERSIT'

F"IS"L"B"D

REH"N N"SIR

STUDENT

C UNI&ERSIT'

F"IS"L"B"D

MUH"MM"D BIL"LSTUDENT

C UNI&ERSIT'

F"IS"L"B"D

'"SIR !ER&"I%

STUDENT

C UNI&ERSIT'

F"IS"L"B"D

MUH"MM"D "SIM RI"%

STUDENTC UNI&ERSIT'

F"IS"L"B"D

MUB"SHER "SHR"F

STUDENT

C UNI&ERSIT'

F"IS"L"B"D

ABSTRACTT2$ )'n $' /$2n "2! !"#- 3'! "% $0'#'"$ "2$ )*'" % n"$+$!" +'"$ 0'+'"%n! %n *+%"'/"- % P'4!"'n /'n4!. Fn'n' *$+%+)'n$ ! )$'!#+$ /-

+$"#+n %n '!!$"!, +$"#+n %n $5#"-, $'+nn6! *$+ !2'+$ 'n n$*$n$n" 0'+'/$! n#$ In"$+$!" +'"$, %'n! %+ '0'n$!, n0$!")$n" 'n $*%!"! 3"2 %"2$+

/'n4!. A !')*$ % "%* 78 /'n4! %*$+'"n6 n %#n"+- +%) 7889 "% 78:: 3'! !$$"$ %+ 'n'-!! 'n '"' 3$+$ %$"$ +%) *+)'+- !%#+$!. D$!+*"0$,%++$'"%n 'n +$6+$!!%n 'n'-!! 3$+$ #!$ '! !"'"!"' "$2n5#$!. O#"%)$! % 'n'-!! !#66$!"$ "2'" n"$+$!" +'"$ 2'0$ ' 6+$'" )*'" %n n'n' +$!#"!

% %))$+' /'n4! 3%+4n6 n P'4!"'n.

KEY#ORDSnterest r!te% 7!r!chi stoc e@ch!n&e% Return on Assets !nd Return on euity

INTRODUCTIONn previous dec!de enor3ous &rowth !nd potenti!l h!s been seen in the b!nin& sector of P!ist!n t shows the st!bility !nd develop3ent of b!nin&

syste3 6he fin!nci!l institutions !re oper!tin& in ! very co3petitive 3!ret where they h!ve to offer !ttr!ctive r!tes to borrowers !nd lenders 6he 3!in

issue for b!ns is to !void their liuidity !nd solvency rel!ted proble3s 6his 3e!n they !lw!ys h!ve to 3!int!in ! &ood portion of c!sh to 3eet their

liuidity issues 6he i3p!ct of ch!n&e in c!sh reserve reuire3ent by the st!te b!n of P!ist!n h!s !lso !ffected the lendin& power of b!ns #overn3ent is

e3powered to borrow fro3 these fin!nci!l institutions but too 3uch borrowin& of st!te fro3 these b!ns !lso li3its their profit!bility bec!use these institutions

h!ve to 3!int!in ! l!r&e !3ount !s reserve !nd provisions !&!inst non-perfor3in& lo!ns ('P9) 6he role of st!te b!n of P!ist!n ("BP) c!nnot be i&nored in the

st!bility !nd &rowth of b!nin& sector bec!use it provides &uidelines for efficient !nd effective worin& of b!ns 6he effective 3onet!ry !nd tr!nsp!rent fisc!l

policies !re the 3e!sures which provide support !nd st!bility to the s3ooth runnin& of b!nin& syste3 f the b!nin& syste3 of the country is st!ble it 3e!ns

the over!ll econo3y of country is !lso st!ble "t!ble econo3ic condition le!ds tow!rds s!vin& !nd invest3ent decision trend% !ll these 3e!sure !re vit!l for the

successful oper!tions of the b!ns 'ow ! d!y:s !bility of b!ns to forec!st !nd !void ris contributes in their successE throu&h this they c!n cover the ris of

losses Profit is the 3ost vit!l thin& !nd !lso necessity for &rowth of b!nin& syste3 in fin!nci!l 3!ret 6hese i3port!nt f!cts !re le!din& tow!rd ey issues

!bout profit!bility of b!ns B!ns h!ve spre!d their portfolio !ssets li!bilities in ! 3!nner th!t influence its profit!bility% where is roo3 to incre!se the profit

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b!n definitely &o to th!t !re! for incre!sin& their profit% it shows the i3port!nce of fin!nci!l outco3es for b!ns Assets of b!n !re &rouped into two

c!te&ories e!rnin& !ssets !nd non-e!rnin& !ssets4 e!rnin& !ssets 3e!ns on which the b!ns e!rn so3e sort of profit !nd these !re the 3!5or source of inco3e

for the b!n Other includes those !ssets which !re used for the reserve reuire3ents 6he e!rnin& !ssets h!ve 3!in influence on the profit!bility of b!n so

these !re consider in our rese!rch p!per 6he efficiency of b!nin& oper!tions contributes in econo3ic &rowth of country bec!use b!ns pl!y ! vit!l role !s

fin!nci!l inter3edi!ries B!ns provide the fin!nci!l services !nd de3!nd interest !s rew!rd for these servicesE funds of b!n co3e throu&h deposits !nd b!n

p!y interest on these deposits to its custo3ers B!ns profit 3!r&in is the difference between the !3ount e!rned throu&h e!rnin& !ssets !nd !3ounts p!id to

depositors 6hese interest r!te or b!n 3!r&in v!ries with the st!te b!n of P!ist!n 3onet!ry policies !s recently st!te b!n of P!ist!n !nnounced the

decre!se in interest r!te fro3 *1 to * percent which !lso !ffect the 7BOR% which is b!se for ch!r&in& interest

LITERATURE REVIE#6he study of M!is!l !nd J!cobson (***>) investi&!ted the i3p!ct of interest r!te on the profit 3!r&in of the "M? co3p!nies of 8A?% by usin& the u!lit!tive

techniue nterest r!te considered !s !n i3port!nt f!ctor th!t h!d positive rel!tionship with s!vin&s level of econo3y% but !p!rt fro3 the &ood i3p!ct on the

s!vin&s% the results indic!te th!t the interest r!te h!d !n !dverse i3p!ct on the profit "M? co3p!nies of the 8A? which differ throu&h v!rious v!ri!bles6he rese!rch of Ah!3d !nd '!fees (>**) investi&!te the i3p!ct of few intern!l f!ctors on profit!bility of P!ist!ni co33erci!l b!ns 6he results were b!sed

on the r!ndo3 effect d!t! re&ression 3odel ROA w!s used !s dependent v!ri!ble !nd four costs% 9O"R?"% 9% !nd ?A" !s independent v!ri!bles B!n tries to

3!n!&e the cost of its oper!tions effectively bec!use its effect the b!n:s return ne&!tively ?A" !lso effected the return% re!son behind w!s th!t the b!n

stren&th !s b!n didn:t hold &re!t volu3e of c!pit!l B!ns will invest in th!t !re! where the cost of pro5ect is low !nd recovery policy h!d to be effective% e!sy%

less risy !nd ulti3!tely produce ! hi&h return

6he findin&s of #uru% "t!unton !nd "h!n3u&!3 (


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PROBLEM STATEMENTn tod!y:s environ3ent interest r!te fluctu!tion is ! hot topic in 3!ny decision 3!in& !re!s 6oo 3uch fluctu!tion in interest r!te h!s ! &re!t i3p!ct on the

econo3y !s well !s individu!l !nd corpor!te level decision 3!in& 6he v!ri!tion of interest r!te h!s i33ense influence on s!vin&s !nd invest3ents decisions

OBJECTIVE OF STUDY6he purpose of this p!per is to c!lcul!te !nd investi&!te the i3p!ct of interest r!te fluctu!tions on profit!bility of the b!ns on the b!se of followin& v!ri!bles

nterest r!te

nvest3ent

Adv!nces or lo!ns

Deposits with other b!n

RESEARCH METHODOLGY6his section provides infor3!tion !bout Popul!tion !nd s!3ple selected for the study$urther3ore it discusses the type of current study% the stren&th of the

rese!rch !nd d!t! collection !n!lysis techniues used in current study

SAMPLE SELECTION

"!3ple of this study is 3!de of >* b!ns out off 00 b!ns oper!tin& in country !nd listed !t 7!r!chi stoc e@ch!n&e fro3 >**K->* 6his five ye!rs period w!s

selected due to two re!sons $irst durin& this period of ti3e too 3uch fluctu!tion w!s observed in the interest r!tes !nd profit 3!r&in of b!ns 6he second

re!son is th!t before >**0 b!nin& sector w!s usin& P7R; r!te !s bench3!r r!te !fter th!t 7BOR r!te w!s introduced !s bench3!r in b!in& sector 6wenty

le!din& b!ns of P!ist!n h!ve been selected for this purpose fro3 the b!nin& sector 6hese twenty b!ns were selected on the b!sis of hi&h 3!ret sh!re !nd

return

TYPE OF STUDY

6he type of current study w!s cross-section!l B!ns listed !t 7!r!chi "toc e@ch!n&e 7"?- ** inde@ed were selected on the b!sis of hi&h return !nd 3!ret

sh!re fro3 >**K to >*

DATA SOURCES

Audited !nnu!l reports of s!3ple b!ns Cebsites of concerned b!ns

Cebsite of 7!r!chi "toc ?@ch!n&e

Public!tions of "t!te b!n of P!ist!n

Press Public!tions !nd 3edi! reports

DEPENDENT VARIABLES

RETURN ON ASSETS

ROA 3e!sures how effectively b!n is utiliin& its !ssets to &ener!te return t is c!lcul!ted by dividin& the profit !fter t!@!tion !v!il!ble to sh!reholders: by the

si3ple !ver!&e tot!l !ssets !t end !nd be&innin& of the period

Return on Asset =Net Income

Average Assets

RETURN ON E)UITY

RO? 3e!sures how well the b!n usin& sh!reholders invested 3oney t is c!lcul!ted by dividin& the profit !fter t!@!tion !v!il!ble to sh!reholders by !ver!&e

sh!reholder euity

Return on Equity =Net Income

Shareholder EquityEARNINGS PER SHARE

?P" reflect the profit !fter t!@!tion &ener!ted per sh!re t is c!lcul!ted by dividin& the profit !fter t!@!tion !v!il!ble to sh!reholders by the !ver!&e nu3ber of

sh!res outst!ndin& durin& the ye!r

Earning per Share =Proit after Taation

!eighter Average "ommon Share

INDEPENDENT VARIABLES

INTEREST RATE

t 3e!ns borrowin& cost e!rned by b!n !nd 7BOR r!te is t!en !s bench3!r durin& this period

DEPOSITS #ITH OTHER BANKS

6he b!ns ept their liuidity reserve with other b!ns for different periods !nd e!rn ! return

LOANS OR ADVANCES

6hese consist of the !3ount of 3oney borrowed to custo3ers to fulfill their need% e@penditure or obli&!tions

INVESTMENTS

6hese include the certific!tes purch!sed by the b!ns fro3 different borrower !nd !t 3!turity b!ns will sell b!c these certific!tes to the borrower

EMPIRICAL MODELS

ROA Q* Q'6 Q>DCOB> Q0AD;0 Q+';+ S

RO? Q* Q'6 Q>DCOB> Q0AD;0 Q+';+ S

?P" Q* Q'6 Q>DCOB> Q0AD;0 Q+';+ S

.ere%

ROA represents the Return on Assets

RO? represent the Return on ?uity

?P" represents the ?!rnin&s per "h!re

'6 represents the nterest

DCOB represent the Deposits with other B!ns

AD; represents the Adv!nces !nd

'; represents the nvest3ent

RESULTS AND DISCUSSIONS6!ble % > 0 !re used to el!bor!te the outco3es of descriptive% correl!tion !nd re&ression !n!lysis 6!ble- shows the five ye!r su33!ry of 3e!n% 3edi!n

!nd st!nd!rd devi!tion of v!ri!bles for ! s!3ple of >* b!ns listed !t 7!r!chi stoc e@ch!n&e fro3 >**K >*

6!ble- > e@hibits the results of correl!tion !n!lysis ,orrel!tion is nown !s interdependence of v!ri!bles $or the purpose of this study rese!rchers h!ve checed

the correl!tion of independent v!ri!bles with the3selves to find out 3ulticoline!rity !3on& v!ri!bles 6he !dv!nces or lo!ns (AD;) !re positively !ssoci!ted

with DCOB% '6 !nd '; Deposits with other b!ns !re !lso h!vin& positive rel!tionship with interest r!tes !nd invest3ent of b!ns nvest3ent is found to

h!ve ! direct rel!tionship with interest r!te 6he 3!in di!&on!l v!lue of correl!tion coefficient is which shows the perfect !nd stron& positive correl!tion

!3on& e!ch other


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RE(UEST FOR FEEDB"CK

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