Parts of a proposal

Proposals for sponsored activities generally follow a similar format, although there are variations depending upon whether the proposer is seeking support for a research grant, a training grant, or a conference or curriculum development project. The following outline covers the primary components of a research proposal. Your proposal will be a variation on this basic theme.1. Title Page: Most sponsoring agencies specify the format for the title page, and some provide special forms to summarize basic administrative and fiscal data for the project. Titles should be comprehensive enough to indicate the nature of the proposed work, but also be brief.2. Abstract: The funder may use the abstract to make preliminary decisions about the proposal. An effective summary states the problem addressed by the applicant, identifies the solution, and specifies the objectives and methods of the project. This summary should also outline funding requirements and describe the applicants expertise.3. Table of Contents: Very brief proposals with few sections ordinarily do not need a table of contents; the guiding consideration in this is the reader's convenience. Long and detailed proposals may require, in addition to a table of contents, a list of illustrations (or figures) and a list of tables. If all of these are included, they should follow the order mentioned, and each should be numbered with lower-case Roman numerals. The table of contents should list all major parts and divisions (including the abstract, even though it precedes the table of contents).4. Introduction (including Statement of Problem, Purpose of Research, and Significance of Research): The introduction of a proposal should begin with a capsule statement of what is being proposed and then should proceed to introduce the subject to a stranger. It should give enough background to enable an informed layman to place your particular research problem in a context of common knowledge and should show how its solution will advance the field or be important for some other work. The statement describes the significance of the problem(s), referring to appropriate studies or statistics.5. Background (including Literature Survey): Be sure to (1) make clear what the research problem is and exactly what has been accomplished; (2) to give evidence of your own competence in the field; and (3) to show why the previous work needs to be continued. The literature review should be selective and critical. Discussions of work done by others should therefore lead the reader to a clear impression of how you will be building upon what has already been done and how your work differs from theirs.6. Description of Proposed Research (including Method or Approach): The comprehensive explanation of the proposed research is addressed not to laymen but to other specialists in your field. This section is the heart of the proposal and is the primary concern of the technical reviewers. Remember as you lay out the research design to (1) be realistic about what can be accomplished. (2) be explicit about any assumptions or hypotheses the research method rests upon. (3) be clear about the focus of the research. (4) be as detailed as possible about the schedule of the proposed work. (5) be specific about the means of evaluating the data or the conclusions. (6) be certain that the connection between the research objectives and the research method is evident. (7) spell out preliminary work developing an analytical method or laying groundwork as Phase 1. At the end of that phase you will be able to report that you have accomplished something and are ready to undertake Phase 2.7. Description of Relevant Institutional Resources: In general this section details the resources available to the proposed project and, if possible, shows why the sponsor should select this University and this investigator for this particular research. Some relevant points may be the institution's demonstrated competence in the pertinent research area, its abundance of experts in related areas that may indirectly benefit the project, its supportive services that will directly benefit the project, and its unique or unusual research facilities or instruments available to the project.8. List of References: The style of the bibliographical item itself depends on the disciplinary field. The main consideration is consistency; whatever style is chosen should be followed scrupulously throughout.9. Personnel: This section usually consists of two parts: an explanation of the proposed personnel arrangements and the biographical data sheets for each of the main contributors to the project. The explanation should specify how many persons at what percentage of time and in what academic categories will be participating in the project. If the program is complex and involves people from other departments or colleges, the organization of the staff and the lines of responsibility should be made clear. Any student participation, paid or unpaid, should be mentioned, and the nature of the proposed contribution detailed. If any persons must be hired for the project, say so, and explain why, unless the need for persons not already available within the University is self-evident.10. Budget: Sponsors customarily specify how budgets should be presented and what costs are allowable. The budget delineates the costs to be met by the funding source, including personnel, non-personnel, administrative, and overhead expenses. The budget also specifies items paid for by other funding sources. Includes justifications for requested expenditures.

Research Proposal On: Customer Perception, Satisfaction and Knowledge of Islamic Banking in Bangladesh.Course No: BUS 502Course Title: Research Methods in BusinessCourse Instructor: SHANTINARAYAN GHOSHProfessor of Accounting and Director Research, Faculty of Business,Bangladesh University of Business & Technology (BUBT).Submitted By:Md. Enayetul Kabir (Program: MBA Evening)AbstractThis proposal is originated in result of my BUS 502 (Research Methods in Business) course which I have done as a requirement of MBA program. This is the proposal to Customer perception, satisfaction and knowledge of Islamic Banking in Bangladesh. The objective of this study will be to analyze the customers perception and Knowledge regarding Islamic banking services. To prepare this report both primary and secondary sources of data will be used. While choosing a banking service the customers are some specific factors to differentiate the services of both banking systems. Religious view, risk factor, reference groups, convenient location, educational qualification, relationship with other banks, all these factors are having impact on the decision making process of the customers. Though the religious appeal has the utmost priority to the customers, the other factors are also having important roles while choosing the services. The level of impact these factors are having on the customers mind also varies depending on some other factors. It can be said that all these factors are interrelated and are interacting with each other to help the customers to choose the best possible options and in most of the cases are ending up with a positive perception in the customers mind regarding these services. The study will be discuss some parameters such as the usage of conventional and Islamic banking facilities, respondents understanding of Islamic banking system, and their personal opinion on various aspects of Islamic banking products. This research work will be steered to measure the perceptions and knowledge of customers in both Islamic banks and conventional banks offering Islamic products and services and the potential of Islamic banking in Bangladesh. Questionnaire method will be used to collect data from 300 individual customers in the Islamic bank located in Dhaka city. Result of this research will determine that customers have positive perception towards Islamic banking or not and they have sufficient or lack of knowledge about Islamic banking as well as their satisfaction level. This study will shows that even the Islamic banks are restricted by Islamic views in theirs processes, still they are equally competing with conventional banks or not and the growth rate of Islamic banking in Bangladesh is increasing or decreasing day-by-day. Primary data will be collected through questionnaires and will analyze using statistical equation, Ms-excel, SPSS, test applied will be correlation.Problem StatementIslamic banking initially established to cater for the needs of Muslims customers, as Muslims are obliged to obey the Shariah principles (Islamic Jurisprudence) in all aspects of life.Though Islamic banking is not a very old concept, it is experiencing a rapid growth and now competing head to head with conventional banking system. In Bangladesh it seems to have a good future prospect and the banks are trying to tap this market by offering services to the customers based on Islamic Sahriah principles. While choosing a banking service the customers are some specific factors to differentiate the services of both banking systems. Religious view, risk factor, reference groups, convenient location, educational qualification, relationship with other banks, all these factors are having impact on the decision making process of the customers. Though the religious appeal has the utmost priority to the customers, the other factors are also having important roles while choosing the services. The level of impact these factors are having on the customers mind also varies depending on some other factors that will be discussed in the paper. Finally it can be said that all these factors are interrelated and are interacting with each other to help the customers to choose the best possible options and in most of the cases are ending up with a positive perception in the customers mind regarding these services.Research ObjectiveThe purposes of this research proposal are: To measure the level of customer satisfaction with different products/services offered by the Islamic banks. Customers knowledge of Islamic Banking in Bangladesh. Customers perception about the Islamic Banking in Bangladesh. To study the awareness and usage of various Islamic bank products/services among Islamic bank customers in Bangladesh. To find out the bank selection criteria of Islamic bank customers in Bangladesh. How much Customers are interested to know about Islamic Banking.Research HypothesesAccordingly, following are the hypothesis to be tested for this study:H1: Customers perception and knowledge level is significant that make them toward the Islamic Banking.H2: Customers are satisfied with various Islamic bank products/servicesH3: Bank selection criteria of Islamic bank customers are under Islamic view rather than reputation.H4: The better compliance with Islamic rules, the higher is the customer satisfaction.H5: The more competitive the core banking is, the higher is the customer satisfaction.H6: The feasible the cost-benefit ratio; higher is the customer satisfaction.Literature ReviewIn any service industries, it is important to investigate customers awareness and usage in investigating customer behavior. The assessment of customers awareness and usage of products/service has become more important as today Islamic banks must not rely solely on religious factors as a strategy to secure customers allegiances but they should also emphasize providing quality and efficient product and services (Dusuki & Abdullah, 2007).In a service business like banking perception of quality emerge from both awareness and usage of the products/service. The reason is that unlike the quality of tangible products, quality of banking products/services depends on customers experience with products/service. Banking products/services are experienced while they are produced (Cronin & Taylor, 1992; Metawa & Almossawi, 1998; Taylor, Steven, & Baker, 1994). In turn, service quality is highly related to (even though not equivalent to) customer satisfaction. Given the importance of awareness and usage in shaping customer behavior, Metawa and Almossawi (1998) measured customer awareness and usage of various Islamic bank products/services in context of Bahrain.Rashid, Hassan and Ahmad (2010) conducted a study on perception of customers towards domestic Islamic banks in Bangladesh. They examined six critical elements, namely corporate efficiency, compliance with Islamic rules, convenience, core banking, confidence, and cost benefit. This study found that customers are highly satisfied with corporate efficiency and compliance with Islamic rules as substantial factors for them to choose their intended service. In the case of Malaysia, Dusuki and Abdullah (2006) studied several critical reasons why Malaysian customers patronize Islamic banks and measured the elements of reputation, service delivery, product price, and social responsibility of Islamic banks. The study found that a combination of Islamic and financial reputation and service quality are the main patronage factors.Specifically, among corporate customers, Ahmad and Harun (2002) conducted a study to examine their perception towards Islamic banking in Malaysia. They examined factors such as the usage of banking facilities, respondents understanding of Islamic banking concept and practices, and personal opinions towards Islamic banking. They found that cost of the products and services is the most important factor perceived by corporate customers in selecting their banks. Similarly, Rustam et al. (2011) discussed three main parameters to determine the perception of corporate customers towards Islamic banking in Pakistan. They examined factors such as the usage of conventional and Islamic banking facilities, respondents understanding of Islamic banking system, and their personal opinion on various aspects of Islamic banking products like economic and religious view. They found that the Islamic banking industry has good potential within the Pakistani corporate sector.Instead of the Islamic banks customers, few studies conducted to determine perception of bankers and students towards Islamic banking. For example, a research conducted by Zainol and Shaari (2008) on bankers perception towards Islamic banking in both Islamic and conventional banks. In their study, they have included several critical factors, namely Islamic products and services, the training and experience, and the potential of Islamic banking in Malaysia. The result revealed that bankers in Islamic banks have more positive perceptions towards Islamic banking as compared to bankers in conventional banks. Bley and Kuehn (2004) focused on students knowledge and perception towards conventional and Islamic finance in United Arab Emirates (UAE). This study investigated the elements of financial knowledge, religion and language on self-reported attitudes and preferences for financial services and found that students knowledge on conventional banking terms and concepts was higher than Islamic banking terminology. However, students with higher academic achievement showed a better response towards understanding Islamic banking concepts and practices.In case of retail banking, Thambiah et al. (2011) studied customers perception and preference on Islamic Retail Banking (IRB). They examined the difference in terms of awareness, perception, and preferences on IRB between the urban and rural banking customers of Malaysia. The study found that there is a significant difference in terms of awareness and on perceived complexity, uncertainty, and observability. There also seem to be some variations for returns, loan repayment period, service charges, and overdraft facilities.In almost every industry, customers are becoming ever more demanding, and in most markets customers have more options to choose from than ever before. Fornell (1992), upon a study on Swedish customers assert that although customer satisfaction and quality appear to be important for all firms, satisfaction is more important for loyalty in industries such as banks, insurance, mail order, and automobiles.Customer satisfaction is the feeling or attitude of a consumer toward a product/service after it has been used (Metawa & Almossawi, 1998; Wells & Prensky, 1996). In the context of services, according to Naser, Jamal, and Al-Khatib (1999) customer satisfaction is often related to factors such as service quality and service features (for example, convenience, competitiveness, and location of service provider). Researchers have placed emphasis on customer satisfaction in banks, and asserted that banks must focus on understanding the needs, attitudes, satisfactions and behavioral patterns of the market to compete successfully in todays competitive marketplace (Cohen et al., 2006; Kaynak et al., 1992). A number of other researches also asserted increasing emphasis on increasing customer satisfaction and customer retention through improved quality of their services (File & Prince, 1992; Goode & Moutinho, 1996; Levesque & McDougall, 1996; Naser et al., 1999).Holliday (1996) stated that banking is one of the many service industries where customer satisfaction has been an increasing focus of research. The reason is that competition in the banking sector is increasingly growing. Wilson (1995) particularly identified the importance of customer satisfaction in the Islamic banks and stated that today Islamic banking is no longer a business entity serving religious obligations. The customers of Islamic banking rather include a wide array of people cutting across various religions.Kaynak and Harcar (2004) also added that managing service quality in a commercial bank is rather challenging because so much depends on how well the bank employees (internal customers) respond to the needs and expectations of the customers. Bank customers, in most cases, evaluate commercial banks on the bank employee dimension when they place a heavy emphasis on positive staff attitude, knowledgeable staff, friendliness of bank personnel, employee professionalism, courtesy of personnel, and timely employee responses to correspondence. Arasli, Katircioglu, and Mehtap-Smadi (2005) asserted that customer contact personnel played a vital role in the delivery of high quality service.Following a similar study conducted by Metwa and Almossawi (1998), the current study measured customer satisfaction with various products/services of Islamic banks, and with four basic elements of the service delivery system of Islamic bank: employees, physical facilities of the bank, location, and evening (late) banking hours. These criteria (i.e., satisfaction with products/services and satisfaction with basic service delivery elements) tend to cover a broad array of factors to be considered for customer satisfaction in a service industry like Islamic banking.Although the religious dimension plays an important role in banking selection, quality and attractiveness of offerings is also perceived as significantly important for the customers to patronize Islamic banking. Since some previous research indicated that religion is no longer the main factor in attracting customers, Islamic banks should recognize that customers view them just like any other commercial bank (Haron et al., 1994). Thus the quality of service and the products and services offered must be comparable with those offered by the commercial banks. Mokhlis, Nik Mat and Salleh (2008) studied on the commercial bank selection among undergraduate students in Malaysia found the secure feelings as the most important factor to patronize bank, followed by ATM services, financial benefit, service provision, proximity and the branch location. Non-people influential, attractiveness and people influence considered to be not significant factors in influencing their decision in selecting bank. However, Kaynak and Whiteley (1999) stressed on interaction orientation such as fast and efficient service to be the major factor of customers patronization.In another study by Ahmed, Rehman and Safwan (2010) found service quality has significant influences on customer satisfaction in the case of Islamic and conventional banking, while the magnitude of effect is greater in Islamic banking as compared to conventional banking. Their study on the perception of satisfaction among bank customers with the existence of two banking systems in Pakistan found that customers of Islamic banks were more satisfied as compared to customers of conventional banks. A study conducted by Metawa and Almossawi (1998) on banking behavior of Islamic banking customers and found that most customers were highly satisfied with the products and services of Islamic banks. The researchers then suggested that bankers should develop professionalism and competency to maintain profitable relations with customers.In Malaysia, a study conducted among commercial banks customers by Haron et al. (1994) found three critical factors that influence customers bank selection. These factors are fast and efficient service, speed of transaction, and friendly bank personnel. Similarly, Dusuki and Abdullah (2006) determined the importance of service quality to attract more customers and they explained that Islamic banks can no longer depend on promoting the Islamic factor but also service quality. They ranked knowledgeable and competent personnel as the most important factor for banking selection criteria of Islamic bank, followed by friendly personnel, customer service quality, Islamic reputation and image, and Islamic reputation. Among Muslim customers of Islamic bank, Rashid et al. (2008) found the higher demand of Islamic banking products and services requires existence of superior quality in service, beside the efficiency in system, strict compliance to Shari`ah and satisfactory community service through job creation and ensuring consistency in service provisions. The study further demonstrated that faster transaction system, less cost of banking, and efficient counter management can add value to everyday volume of transactions and simultaneously increase customer satisfaction. Similarly, Erol and El-Bdour (1989) identified three key selection criteria perceived as important while selecting Islamic banks among Muslim customers were fast and efficient services, reputation and confidentiality.In another study on determinants of bank selection showed that high return to deposit holders as the most important criteria of banking selection, followed by quality of service, availability of ATM machine, diversity of loan facilities, confidentiality, fast and efficient service and variety of products offered (Mahamad & Tahir, 2010). On the contrary, a study conducted by Abdullah et al. (2012) showed the hesitancy of non-Muslim customers on the ability of Islamic banks to improve banking facilities and products, due to lack of information provided by the banking fraternity to the public.From a survey in the USA, Anderson, Cox, and Fulcher (1976) found that convenience customers selected recommendation by friends as the most important factor, followed by location, reputation, service charges and friendliness of bank staff; whereas the service customers ranked availability of credit as the most important factor, followed by reputation, recommendation by friends, friendliness of staff and interest charged on loans. These findings are supported by Tan and Chua (1986) stating that advice of friends, neighbors and family members has a stronger influence on customers decisions, compared with other variables in selecting financial institutions. This finding is consistent with the ethos of oriental culture which emphasizes social and family ties. Again, Kaynak et al. (1992) reported that the banks reputation, business hours, parking facilities, range of services, recommendations of friends and relatives, fast and efficient service, and financial counseling services were considered as more important by male customers than the female customers in their selection of a commercial bank in Turkey.In a study of Islamic Banking in Turkey by Naser et al. (1999) it was found that most of the Muslim customers chose the Islamic bank from the religious perspective rather than features of the bank such as location, profit and others. On the contrary, from the study on Islamic banking in Singapore by Gerrard and Cunningham (1997), it was observed that there is no significant difference in selection of bank between Muslims and non-Muslims. Rather, the customers had given more priority to the other features of banking services.Kaufman (1967) from his study of bank selection criteria in the USA found that the most influential factors reported by households were convenient location to home or place of business, length of bank-customers relationships and quality of services offered by the bank.Almossawi (2001) revealed that young customers place more emphasis on factors like a banks reputation, availability of parking space near the bank, friendliness of bank personnel and those related to Automated Teller Machines (ATMs) such as their availability in several convenient locations and 24-hours availability of ATM service.The approaches of Islamic banking are distinctly different from the ones of conventional banks. The basic principle beneath Islamic financial system is development based on partnership (Ahmed, 2000; Chapra, 2000; Hassan and Ahmed, 2001; Wilson, 1995). Under this principle, Islamic banks operate various deposit, loans and other commercial services for the retail and corporate customers. A brief of these services are underscored as follows:Source of Fund:, Name of the Service:, Description Source of Explanation:Current Deposit: Al-Wadi`a Principle: Under this principle, banks receive the deposits with the promise to repay them on demand by the customers and invest the fund with the customers permission at the banks risk. Description Source of Explanation: Ahmed, Rahman and Ahmed, 2006; Ali and Sarker, 1996; IBBL, 2008.Savings Deposit: Al-Mudaraba Principle: Banks earn exclusive rights from the customers to manage the funds. The profit or loss is shared between customers and the banks at an agreed upon ratio. Description Source of Explanation: Ahmed, 2000; Ahmed, Rahman and Ahmed, 2006; Ali and Sarker, 1996; IBBL, 2008.Term Deposit: Al-Mudaraba Principle: (see saving deposit). Description Source of Explanation: IBBL, 2008;Savings Bond: Al-Mudaraba Principle: (see saving deposit). Description Source of Explanation: IBBL, 2008; Ahmed, 2000.Use of Fund:, Name of the Service:, Description Source of Explanation:Musharaka: Financing based on partnership where bank shares capital and managerial expertise with the client. Profit and loss are shares based on the pre-arranged contractual terms. Description Source of Explanation: Ahmed, 2000; Ahmed, Rahman and Ahmed, 2006; Ali and Sarker, 1996; IBBL, 2008; Khan et al, 2008.Mudaraba: Bank supplies the entire capital and entrepreneur will be the manager of the capital. At the end of the venture, manager pays back entire fund to the bank along with a pre-determined profit and any loss would be borne by the bank. Description Source of Explanation: Ahmed, Rahman and Ahmed, 2006; IBBL, 2008; Khan et al, 2008.Bai-Murabaha: (Cost-Plus Profit/Mark-up) Bank agrees to purchase for its client, client then pays the bank at an agreed upon mark up. Bank earns profit without taking any risk because the mark up is set based on the applicable market price of the commodity. Description Source of Explanation: Ahmed, Rahman and Ahmed, 2006; IBBL, 2008.Bai-Salam: (Advance Payment-Later Delivery) Bank enters into a contract to buy any commodity at an agreed upon price for a future delivery. It helps both the bank and the buyer of the commodity. Description Source of Explanation: Ahmed, Rahman and Ahmed, 2006; IBBL, 2008.Bai-Muajjal: (Credit Sale) Seller sells certain specific Shari`ah compliant goods to buyer (bank) at an agreed fixed price payable at a certain fixed future date in lump sum or in fixed installments. Description Source of Explanation: IBBL, 2008; Khan et al, 2008.Ijara: (Lease Finance) Bank purchases immovable or movable properties for clients against agreed sum of installments for a limited time period, whereas these installments are invested in Mudaraba investment account. The entire deposited and grown up fund will be used to purchase the property. Description Source of Explanation: Ahmed, Rahman and Ahmed, 2006; IBBL,2008.Hire-purchase(under Shirkatul Milk): Islamic banks share equity with the client in purchasing some assets. The portion of the banks share is leased out to the client for use under specific conditions (like rent) and then, the client buys the banks portion upon agreed terms. Description Source of Explanation: IBBL, 2008; Khan et al, 2008.Qard: Interest free loan assistance to needy people of the society to make them self sufficient and to raise their income and living standard. Description Source of Explanation:Ahmed, Rahman and Ahmed, 2006; IBBL, 2008; Khan et al, 2008.Benefits of studyThis study will find out the demographic profile of Islamic bank customers in Bangladesh. It can be identify Islamic bank customers history of banking relationship in Bangladesh. Islamic Bank management will know about the awareness and usage of various Islamic bank products/services among Islamic bank customers in Bangladesh. It will find out if length of relationship has any role in customers awareness of Islamic bank products/services among Islamic bank customers in Bangladesh. It will help the management to measure the level of customer satisfaction with different products/services offered by the Islamic banks and with various basic elements of service delivery systems of Islamic banks in Bangladesh. The bank selection criteria of Islamic bank customers in Bangladesh can be measured which help the management to improve the area. It will also help to find out whether there is any relationship between the bank selection criteria and customers demography among Islamic bank customers in Bangladesh.Research DesignThe population of the study comprises of all the Islamic bank customers in Bangladesh. Data required for fulfilling the objectives of the study will collected from 500 customers approached at the counters of the following five Islamic banks in Dhaka city of Bangladesh, namely, Islami Bank Bangladesh Ltd, Al-Arafah Islami Bank Ltd., Social Investment Bank Ltd., EXIM Bank Ltd., Shahjalal Islamic Bank Ltd. These data selections will the major limitation of this study. Due to various constraints, we had to confine ourselves to the Capital City. A wider geographic distribution of our sample respondents would be an ideal one, which we may plan to explore in our future research.Sources of data: Primary data will be used for the purpose of the study. Primary data will be collected through a questionnaire and schedule. Secondary data will be collected from different books, publications, research studies, journals, articles, and websites if/when necessary. The data will be collected through cluster sampling method. Primary data were collected through questionnaires with 5 point likert scale where A = strongly disagree, B = somewhat disagree, C = neutral, D = somewhat agree, E = strongly agree.Questionnaire: The survey instruments for collecting the data will a questionnaire including closed-end 20 questions. The questions are 1. You have overall knowledge in the Islamic banking system, 2. You know about the difference between Islamic and other banks, 3. You think Islamic banking system and others banking system is same, 4. You know about different products/services offered by the Islamic banks, 5. You chose different products/services offered by the Islamic banks because someone told you, 6. You prefer different products/services offered by the Islamic banks when someone comes to take advice from you, 7. You think that the products and services in Islamic banks are similar to the products and services of conventional banks with the exception that the banks use different names to differentiate the products and services, 8. Islamic banks were introduced because Muslims are prohibited to take Riba and your perception is good about the prohibition of Riba, 9. The potentially of Islamic banking products in Bangladesh is good, 10. The main reason you select Islamic banking products religion, 11. Your selection criteria of Islamic bank are not only religion but also reputation12. Your selection criteria of Islamic bank are based on their services and facilities, 13. You are satisfied about different products/services offered by the Islamic banks, 14. You are satisfied within the compliance with Islamic rules in Islamic banks, 15. You are satisfied about competitive the core banking of Islamic banks, 16. You are satisfied Islamic banks cost-benefit ratio, 17. Your awareness and usage of various Islamic bank products/services among Islamic bank is significant, 18. You are interested to know about Islamic Banking more, 19. You think Quality Rating of Islamic Banking Services is high, 20. You think Perceived Benefits of Islamic Banking Services is high.Data AnalysisThe data will be analyzed using statistical equation, SPSS, MS-Excel; the test applied was Correlation Pearsons Product and Regression Model to analyze customer perception, satisfaction and knowledge of Islamic Banking in Bangladesh.ScheduleTask Targeted completion days01. Literature review Completed02. Proposal submission 06/03/201503. Proposal Final 13/03/201504. Questionnaire Design Completed05. Drawing of sample 14/03/201506. Pilot testing 16/03/201507. Interview Questions Finalized 18/03/201508. Schedule Interviews 20/03/201509. Data collection start 22/03/201510. Data collection end 22/04/201511. Data analysis start 23/04/201512. Data analysis end 23/05/201513. Calculate Findings 24/05/201514. Report preparation 01/06/201515. Report submit 08/06/2015Total 90 daysBibliography Abdullah, A. A., Sidek, R., & Adnan, A. A. (2012). Perception of Non-Muslim Customers Towards Islamic Banks in Malaysia. International Journal of Business and Social Science, 3(11). Ahmad, N., & Haron, S. (2002). Perceptions of Malaysian Corporate Customers towards Islamic Banking Products & Services. International Journal Of Islamic Financial Services, 3(4). Ahmed, A., Rehman, K., & Saif, M. I. (2010). Islamic Banking Experience of Pakistan: Comparison of Islamic & Conventional Banks. International Journal of Business Management, 5(2), 137-144. Almossawi, M. (2001). Bank selection criteria employed by college students in Bahrain: an empirical analysis. International Journal of Bank Marketing, 19(3), 115-125. Anderson, W.T. 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Commercial Bank Selection: The Case of Undergraduate Students in Malaysia. International Review of Business Research Papers, 4(5), 258-270. Naser, K., Jamal, A., & Al-Khatib, K. (1999). Islamic banking: a study of customer satisfaction and preferences in Jordan. International Journal of Bank Marketing. 17(3), 135-150. Rashid, M., Hassan, M. K., & Ahmad, A. (2008). Quality Perception of the Customers towards Domestic Islamic Banks in Bangladesh, Journal of Islamic Economics, Banking and Finance, 5, 110-131. Rustam, S., Bibi, S., Zaman, K., Rusram, A., & Zahid-ul-Haq. (2011). Perceptions of Corporate Customers Towards Islamic Banking Products and Services in Pakistan. The Romanian Economic Journal, XIV(41). Tan, C.T., & Chua, C. (1986). Intention, Attitude and Social Influence in Bank Selection: A Study in an Oriental Culture. International Journal of Bank Marketing, 4(3), 43-53. Thambiah, S., Eze, U. C., Santhapparaj, A. J., & Arumugam, K. (2011). Customers Perception on Islamic Retail Banking: A Comparative Analysis between the Urban and Rural Regions of Malaysia. International Journal of Business and Management, 6(1). Wells, W. D. & Prensky, D. (1996). Consumer behavior. New York: John Wiley & Sons. Wilson, R. (1995). Marketing strategies for Islamic financial products. New Horizon, 39, 7-9. Zainol, Z., Shaari, R., & Muhamad Ali, H. (2008). A comparative analysis of Bankers Perceptions on Islamic Banking. International Journal of Business Management, 157-168Research Proposal on The impact of working hours (Work-life balance) and job stress on the job satisfaction level of the junior executives of private sector in Bangladesh: Their response to working hours (Work-life balance) and job stress dissatisfaction.Course No: BUS 502Course Title: Research Methods in Business.Course Instructor: SHANTINARAYAN GHOSHProfessor of Accounting and Director Research, Faculty of Business, Bangladesh University of Business & Technology (BUBT).Abstract The core purpose of this research proposal is to discover the level of satisfaction of the junior executives of private sector in Bangladesh under working hours and job stress. This research proposal is also for find out the response to dissatisfaction under overload working hours (work life balance) and job stress. Most of the private companies are not conscious of work-life balance, job stress and barely have any policy regarding the work-life balance issues. At this moment, different socio-economic barriers and lack of human right awareness may support the management for not taking this issue seriously. However, if they want to achieve their business objectives through the development of the human resource then there is no alternative to develop the working lives of their workforce. Management should consider the nature of business and background of employees they have employed and customize their policies with the participation of the employees. This research will represent the current scenario of work life balance in private sector of Bangladesh which is adopted by the management. The data were collected keeping in consideration features such as gender, age, executive position and tenure of job. Factors involved are job satisfaction and work life balance with respect to flexible working conditions, work life balance programs, employee intention to change/leave job, work pressure/stress and long working hours. Data will be collected using primary sources. Primary data will be collected through questionnaires and will analyze using statistical equation, Ms-excel, SPSS, test applied will be correlation.Problem StatementIn the new millennium, contemporary organizations are benefited from a global, diverse, technologically savvy and highly productive workforce but it is ironic that these workforces also find it difficult to have a good balance between their work life and family life (Siegel, Brockner, Fishman, Post, & Garden, 2005). Work-life balance can be seen as the extent to which an individual is equally engaged in-and equally satisfied with his or her work role and family role (Greenhaus, Collins, & Shaw, 2003). Businesses are facing increasing demands to raise efficiency and becoming more responsive to customers and employees. No longer is it just a matter of remuneration and promotional prospects; job seekers are increasingly making employment decisions on how well their current or potential workplace can support a balance between personal lives and paid occupation. On the other hand, organizations, failing to make their work environments flexible, are beginning to see a brain drain and loosing highly skilled professionals to more flexible organizations (Dunne, 2007). What happens when employees like their jobs, and when they dislike their jobs? One theoretical model, the exitvoiceloyaltyneglect framework is helpful in understanding the consequences of dissatisfaction. Frameworks four responses, which differ along two dimensions: constructive/destructive and active/passive. The exit response directs behavior toward leaving the organization, including looking for a new position as well as resigning. The voice response includes actively and constructively attempting to improve conditions, including suggesting improvements, discussing problems with superiors, and undertaking some forms of union activity. The loyalty response means passively but optimistically waiting for conditions to improve, including speaking up for the organization in the face of external criticism and trusting the organization and its management to do the right thing. The neglect response passively allows conditions to worsen and includes chronic absenteeism or lateness, reduced effort, and increased error rate (organizational behavior/ Stephen P. Robbins, Timothy A. Judge.-15th ed.). The objectives of this research proposal is to identify the status of work-life balance in private sector of Bangladesh as well as to provide some recommendations considering the scenario of a developing country like Bangladesh and junior executives response to work-life balance and job stress.Research Objective The purposes of this research proposal are: To determine the level of satisfaction of the junior executives of private sector in Bangladesh. The impact of working hours (Work-life balance) and job stress on the job satisfaction level of the junior executives. The impact of job stress on the job satisfaction level of the junior executives. To identify the status of work-life balance in private sector of Bangladesh. Junior executives response to working hours (Work life balance): constructive/destructive or active/passive. Junior executives response to job stress: constructive/destructive or active/passive. To provide some recommendations considering the scenario of a developing country like Bangladesh.Research HypothesesAccordingly, following are the hypothesis to be tested for this study:Hypothesis 1: There is no impact of overload working hours on junior executives job satisfaction.Hypothesis 2: There is no impact of job stress on employee job satisfaction.Hypothesis 3: There is no effect of flexible working condition on employee job satisfaction.Hypothesis 4: Junior executives response to overload working hours (Work-life balance) is destructive and active.Hypothesis 5: Junior executives response to job stress is constructive and active.Literature ReviewAryee, Srinivas, and Tan (2005) and Lewis and Cooper (1999) state, changing economic trends, demographic shifts, technological advances and competitive forces have made the work-life balance a pertinent area of concern to scholars, individuals and organizations across the globe (as cited in Baral & Bhargava, 2011, p. 220). A lot of researches have been done to identify an acceptable definition of work-life balance; still there is a very little evidence to get an ideal definition so far. Most of the major reviews of work-family relations either do not mention work-family balance or mention balance but do not explicitly define the concept (Greenhaus, Collins, & Shaw, 2003). Moreover, empirical studies that discuss balance between work and family roles generally do not distinguish from other concepts in the work (Greenhaus, Collins, & Shaw, 2003). As Burke (2004) and Lewis at el (2007) argue, wok-life balance is a contested term because the term balance suggest that work is not integral to life and it implies a simple tradeoff between the two spheres as it encourages quick-fix solutions that do not address fundamental inequalities, and that therefore shift responsibility for balancing work and home life onto individuals (as cited in Gregory & Milner, 2009, p. 2).Work-life balance policies and family supportive cultures have been observed in France and Japan also (Aybars 2007, Cole 2006). There is a wide variety of work-life balance initiatives for employees being incorporated by organizations and include flexible work hours, job sharing, parental leave on-site child care facility and telecommuting (Hartel et al. 2007). Studies suggest that in absence of work-life balance, employees dissatisfaction increases.However it is found that when employees need in respect of creating a work-life balance is met by different organizational programmes they show higher job satisfaction and organizational commitment (Gregory and Milner 2009). A study was conducted in Pakistan by Nadeem and Abbas, (2009) to discover the relationship among work life conflict and employee job satisfaction at all levels of the management in public and private organizations. Findings showed that job satisfaction at top level of management has negative correlation with family to work interference, family to work interference and stress and job satisfaction has positive correlation with job autonomy. Job satisfaction at the middle level of employees decreases when work life conflict and stress increases. Job satisfaction at the lower level of employees has negative correlation with stress and family to work interference and positive correlation with job autonomy.Hanglberger (2010) studied the effect of work-life balance, specifically working hours on employees job satisfaction and finds a positive relationship between them. The same was analyzed by Gash et al. (2010) for women in UK and Germany and the findings supported Hanglberger studies, showing a positive effect of reduced working hours on employees life satisfaction. Another study (Malik et al. 2010) was conducted in Pakistan to investigate the relationship between work-life balance, job satisfaction and turnover intentions among medical professionals in hospitals.The level of employees job satisfaction increases by many factors and when employees are satisfied with their work, they feel motivated ( Noor, 2011). The demand of employees work life balance is increased by change in trends in the business such as change in organizations structure, diversity of work force and female employees working in organizations. Organizations should provide work life balance facilities to their employees so that employees can perform their duties effectively and leads organization to the success (Parvin and Kabir, 2011).The main message of this debate is the need for good work-life balance, on the other hand, the debate and successive policy are frequently based on theories about work and life copied from dull readings of empirical data or misconceptions about employee attitudes to work and life. According to IDS (2000), the work-life balance debate presumes that individuals have too much work rather than too little work a debilitating working hour culture is said to be persistent (as cited in Eikhof, Warhurst, & Haunschild, 2007, p. 326). In addition, it is also claimed in some cases, work is not just ruling but also ruining our lives (Eikhof, Warhurst, & Haunschild, 2007). According to Fafnani and Letablier (2004), in France campaigns for reducing working time have rallied around the phrase work less, live better (as cited in Eikhof, Warhurst, & Haunschild, 2007, p. 326).The study of Baral and Bhargava (2011) indicates that from an organizational perspective, involvement in family roles should not be viewed as an obstruction, since it provides opportunities to acquire skills, knowledge and increase efficiency to perform better at work and vice versa. As a result, organizations should make efforts to stimulate the experience of enrichment. Greenhaus, Collins, and Shaw (2003) argue, the beneficial effects of balance are based on the assumption of positive balance and positive balance has a more substantial positive impact on quality of life than negative balance. They suggest that an equally high investment of time and high association in work and family would diminish work-family conflict and stress thereby enhancing an individuals quality of life. On the other hand, Hobson, Delunas, and Kesic (2001) accumulated a number of long research findings based on U.S. employees and tried to assess the outcomes of not having a proper work-life balance in organizations. The findings include increased levels of stress and stress-related illness, higher rates of family strife, violence and divorce, higher rates of absenteeism and turnover, reduced productivity and job satisfaction. However, the existence of work-life balance in itself does not create difficulties and offense within organizations; rather, in situations where there is already excessive workloads, under-staffing, and last minute, unpredicted tasks, the existence of work-life balance is likely to exacerbate the situations (Drew & Murtagh, 2005).On the other hand, there are quite a few research studies on work-family conflict in developing countries like India and Bangladesh and one of the reasons could be the lack of awareness of this issue as well as the lack of awareness of equal employment opportunity act. According to Baral and Bhargava (2011), a study on work-family enrichment in India would be prudent because of its cultural roots, where people consider work as a source of earning and social status. At the same time, for people in India, family is a social institution that provides not only emotional support but also stands with them in times of crisis (Baral & Bhargava, 2011). The same scenario is very much pertinent in Bangladesh.Benefits of study This research will provide the present scenario of working hours (Work-life balance) and job stress of private sector in Bangladesh. The overall job satisfaction level of the junior executives will be measured that will help private company to take a future steps for their executives, especially for junior executives. They will understand about the impact of working hours (Work-life balance) and job stress on the job satisfaction level of the junior executives. Junior level employees response to working hours (Work-life balance) and job stress will also find out whether it is constructive/destructive or active/passive. So that company will understand about companys working hours (Work-life balance) and job stress: is it overburden or not? Is it making disturb on productivity or making dissatisfaction on employee? This research will provide some recommendations considering the scenario of a developing country like Bangladesh. So private company will make blue print for future work life balance program and job responsibilities which make employees more satisfy as well as more productive. Company came identified the major cause of job dissatisfaction and satisfaction as perceived by the respondents.Research DesignSources of data: Primary data will be used for the purpose of the study. Primary data will be collected through a questionnaire. Secondary data will be collected from different books, publications, research studies, journals, articles, and websites if/when necessary. The data will be collected through cluster sampling method.Sample Size and Questionnaire: The sample of the study will covers the junior executives from different private company of Bangladesh. A sample of 300 junior executives will be selected purposively from different private company and departments. Data will be collected by probability sampling and conveniently. The questionnaire consists of 18 items where those are related to issues on worklife balance and job satisfaction of the respondents. Issues such as working hour, work load, performance appraisal, job security, organizations work-life balance programs, perception of the employees about the work-life balance programs of their organizations, willingness to stay in the organization, destructive or constructive behavior for overload working hours/load and many other factors have been examined here. Primary data were collected through questionnaires with 5 point likert scale where A = strongly disagree, B = somewhat disagree, C = neutral, D = somewhat agree, E = strongly agree.Questionnaire: 1. Im Satisfied with my current job, 2. My working hours is rational, 3. The work environment is excellent, 4. My work pressure is rational 5. We have work life balance programs, 6. Im able to maintain a good balance between my personal and professional life, 7. I get appreciation and rewards for better performance, 8. My salary is well balanced with my responsibilities, 9. Im satisfied with my organizations benefit package, 10. I get all the necessary authority to perform my duties, 11. Ive opportunities to learn and grow at work, 12. I feel secure in my job, 13. I want to continue my job in this organization for long time, 14. I have intention to leave\change the job. 15. My response to overload working hours is constructive (voice with authority/boss) 16. I feel loyalty whenever there is overload working hours or not, 17. I neglect whenever there is overload working hours, 18. I want to leave this job because of overload working hours or work load.Data AnalysisThe data will be analyzed using statistical equation, SPSS, MS-Excel, the test applied was Correlation Pearsons Product to analyze the relation between work life balance and job satisfaction.Nature and form of Result The correlation between work life balances as well as other factors like working hour, work load, performance appraisal, job security, organizations work-life balance programs, perception of the employees about the work-life balance programs of their organizations, willingness to stay in the organization and employees job satisfaction will be calculated by Correlation Pearsons Product. Result will be within -1 to +1 and hypothesis test will be driven for find out proposed hypothesis are right or wrong.Schedule TaskTargeted completion days

01. Literature reviewCompleted

02. Proposal Final7 days

03. Questionnaire DesignCompleted

04. Drawing of sample2 days

05. Pilot testing2 days

06. Interview Questions Finalized2 days

07. Schedule Interviews2 days

08. Data collection30 days

09. Data cleaning7 days

10. Data analysis30 days

11. Write-up and calculate Findings7 days

12. Report preparation & submit5 days

Total94 days

Bibliography Baral, R., & Bhargava, S. (2011). Predictors of work-family enrichment: moderating effect of core self-evaluations. Journal of Indian Business Research, 3(4), 220-243. From http://dx.doi.org/10.1108/17554191111180573 Drew, E., & Murtagh, E. M. (2005). Work-life balance: senior management champions or laggards? Women in Management Review, 20(4), 262-278. From http://dx.doi.org/10.1108/09649420510599089 Eikhof, D. R., Warhurst, C., & Haunschild, A. (2007). Introduction: What work? What life? What balance? Critical reflection on the work-life balance debate. Employee Relations, 29(4), 325-333. From http://dx.doi.org/10.1108/01425450710839452 Everitt, B. S., Landau, S., & Leese, M. (2001). Cluster analysis (4th). London: Arnold. Gash, V., Mertens, A., Romeu, G. L. (2010). Women between part-time and full-time work: The influence of changing hours of work on happiness and life-satisfaction, SOEP Papers No. 268, DIW Berlin. Greenhaus, J. H., Collins, K. M., & Shaw, J. D. (2003). The relation between work-family balance and quality of life. Journal of Vocational Behavior, 63(February), 510-531. From http://dx.doi.org/10.1016/S0001-8791(02)00042-8 Gregory, A., & Milner, S. (2009). Editorial: Work-life balance: A matter of choice. Gender, Work and Organization, 16(1), 1-13. From http://dx.doi.org/10.1111/j.1468-0432.2008.00429.x Hanglberger, D. (2010). Arbeitszufriedenheit und flexible Arbeitszeiten Empirische Analyse mit Daten des Sozio-oekonomischen Panels, SOEP Papers No. 304, DI Berlin. Hobson, C. J., Delunas, L., & Kesic, D. (2001). Compelling evidence of the need for corporate work/life balance initiatives: results from a national survey of stressful events. Journal of Employment Counseling, 38(March), 38-44. From http://dx.doi.org/10.1002/j.2161-1920.2001.tb00491.x Khaleque, A. (1979). Performance and job satisfaction in short cycled repetitive work. In R. G. Sell & P. Shipley (Eds.), Satisfaction in work design: Ergonomics and other approaches. London: Taylor and Francis. Khaleque, A. (1984). Job satisfaction and work in industry. Dhaka: University of Dhaka. Khaleque, A. (1985). Occupational stress: Its sources and effects as perceived by industrial managers. Bangladesh Journal of Psychology, 6, 83-91. Malik, M.I., Gomez, S.F., Ahmad, M., and Saif, M. I. (2010). Examining the relationship of Work Life Balance, Job Satisfaction and Turnover in Pakistan, International Journal Sustainable Development, 2(1) 27-33. Newaz, M. T., and Zaman, K. F., (2012 October). Work-life balance: Is it still a new concept in private commercial banking sector of Bangladesh? International Journal of Research Studies in Management. Volume 1 Number 2, 57-66. Noor, F., and Shamim, A. (2012). An Empirical Analysis of Factors Affecting Work Life Balance among University Teachers: the case of Pakistan, Journal of International Academic Research, .12(1). Noor, K.M. (2011). Work-Life Balance and Intention to Leave among Academics in Malaysian Public Higher Education Institutions, International Journal of Business and Social Science, 2(11). Robbins, P. S. (2013).Organizational Behavior (9th). Prentice-Hall of India Private Limited. New Delhi-110015: Jay Print Pack Private Limited. Shujat, S., Cheema, F. A., and Bhutto, F. (Fall 2011). Impact of Work Life Balance on Employee Job Satisfaction in Private Banking Sector of Karachi. Journal of Management and Social Sciences, Vol. 7, No. 2, (Fall 2011) 08-15. Siegel, P. A., Brockner, J., Fishman, A. Y., Post, C., & Garden, C. (2005). The moderating influence of procedural fairness on the relationship between work-life conflict and organizational commitment. Journal of Applied Psychology, 90(1), 13-24.A Proposal on Consumer Satisfaction of Grameen Phone in Rajshahi City Introduction: Modern age is the age of information technology. The technology of Email, Fax, Internet, Telephone, Mobile and others. Now the world has been turned into a global village. News/ message can be sent and received easily from one corner of the world to another through these ways. We are informed very quickly where and what is happening in the world. The businessmen are running their business easily sitting from a place.

Now a revolution of using cellular phone has created in our country, which has become very popular among the businessmen, employees, doctors and students. Japan had first innovated the cellular phone. I have been introduced in our country in 1991.But than it was not available because it was expensive at first time. Grameen phone has started their activities in the field of cellular phone on 26th March, 1997.Four mobile phone companies are serving in our country such as Aktel, City cell, Grameen and Sheba. We have selected our research tropic on consumer satisfaction of Grameen phone in Rajshahi City. Now the mobile business field is very competitive because many competitors are playing in this field. So any competitor may survive in this field so that they have to emphasis on the buyer value chain to satisfy the consumers.

Statement of problem:

To operate this research we are facing some problems. Such as-v Literature review problemv Lack of available datav Financial problemv Lack of expert v Lack of experience v Lack of available time v Lack of relevant institute

Literature Review:

As per we know there is no remarkable research on this field. But we have got some case study and secondary information on Consumer Satisfaction of Grameen phone in Rajshahi City (CSGR). So it is needed descriptive study, which help us to identify CSGR.

Objective of the study:

Our main objective is how to satisfy target consumer of Rajshahi City through consumers value chain. But in that aspect we can also consider the following objectives-v To identify consumer life style patternv To identifies the consumers tele communication problem and observes the nature of the problem.v To identify the users in this areav Consumers habit identificationv Increasing rate of demand.

Research Methodology:

Research methodology is a strategy that is under taken by researcher for doing his research work. So research methodology is very important for doing the research work in a systematic and effective way.

Sampling Design Process:

Sampling design process includes four steps. These steps are closely interrelated and relevant to all aspect of marketing research project, from problem definition to the presentation of the result. There fore sample design should be integrated with all other decision in research project. CSGR for the Rajshahi city to gain an understanding the behavior of residents. Commercial subscribers, subscribers and users and non-users, stratify the respondents. After stratifying we select respondent randomly. Which respondent will select on random basis that respondent should have following qualificationv Age 20 or abovev Live in Rajshahi city at least 6 months of year

Steps in sampling design process are as follows-

Target population: Adults meeting the qualification who live in Rajshahi during the survey period.

Sampling unit: We have taken 70 sample units.

Sampling Technique: We have taken stratified sampling and after stratifying we have selected sample randomly.

Sample size: We have taken 70 samples. They are as follows-

ClassificationNumber of samples

Commercial Subscriber10

Subscriber20

User30

Non user10

Total70

Sources of data:

Two kinds data are needed to make this proposed research. Those are as following as-v Primary sourcev Secondary source

We collect primary data throw personal interview. Secondary data will be collected from possible published media. Such as journals, magazines, newspapers and web site.

Data analysis and interpretation: After collecting the data we will assemble it through editing, coding, tabulation and analysis the data graphicaly. To interpretation those data we will use mean, median and mode.

Variable will be considered: Which factors will be considered here as independent variables those as follows:v Income labelv Social statusv Locationv Education and others.

Justification of the study:

Cellular phone provides us easy communication system with low cost and time. This type of easy communication like cellular is not possible by another. A man can communicate from one place to another place under network area. If we identify consumers behavior, consumers purchase decision process, consumers knowledge about mobile and their value chains so that it will be easy for the Grameen Phone how to satisfy the consumer. It will be helpful for the future researcher to do research on this field. It will also create awareness to the non-users to know the benefit of mobile phone. This research also helps the mobile phone company to operate their marketing activity efficiently to increase sales. When the sale will be increased at the time the mobile service be extended in this city and mobile will be available here to improve people life style.

Bibliography:

Naresh K. Malhotra Marketing research An Applied orientation. Third edition, page 101Ibid page-304.C.R. Kothery, Research Methodology

Internship Research Proposal of a study on Sopura Silk Mills Ltd. in Rajshahi Area 1.0 Introduction:Sopura Silk Mills Ltd. is the largest silk producer in BSCIC area in Rajshahi. Primarily it started production in 1979 with two workmen but in the year 1986 Alhaj Md. Sadar Ali Shifted his Business with the help of Islami Bank Bangladesh Ltd. Rajshahi Branch named Sopura Silk mills (SSF) Ltd. by purchasing a plot under Bangladesh Small and Cottage Industry Corporation ( BSCIC), Sopura, Rajshahi. Primarily it launched its business with 20,000 (twenty thousand) only. Currently it produces diversified silk products including silk sharee, balaka silk fabrics, crap balaka silk fabrics, doupion silk fabrics, Motka silk fabrics, balaka silk print fabrics, ladies dress including long scarf/orna, handbags, koti, wall mate, shirt, panjabi, tie, cushion cover which are sold through ten own showrooms locating Dhaka, (4) Shylet (1) Mymen singh (1) Chittagong (1) Rajshahi (2) London (1) as well. Sopura has now 400 employees. It follows cost plus pricing including 15% to 20% profit on total production cost. Although Sopura does not advertise through TV but in different printed media (newspaper, magazine etc). It follows fixed price for the products countrywide. According to the managing director, the monthly profit from 10 showrooms is near about eight lacs, which totalize 96 lacs or 1 cror. Sopura has established a prominent position in the affluent western, Asian and local markets. It also uses hygienic dyes which are innovative and are forever changing according to the fashion trends, most of the silks are required to hand wash separately. The organization also uses close circuit (cc) camera for the well monitoring, web camera for showing products to the foreign buyers, E commerce for the foreign payment. The organization also uses web link for the internal use. Sopura silk mills Ltd. is still trying to update the products to satisfy the diversified needs of the target customers including consumers and organizational buyers. Although primarily Sopura started with only two employees but now 400 employees are working to satisfy the customers.

2.0 Statement of the problem: In spite of being quality product, it will not run the market due to the poor marketing functions, such as pricing, promotion, distribution, post sales services and others as Sopura silk industry doesnt maintain the systematic marketing operation. So, it is the main problem that becomes an obstacle in the way of its further development.

3.0 Literature review:So far as I know, adequate published literature is not available in the proposed field. In spite of this some relevant publications are as follows:Professor Sanjib Kumar Saha wrote an article entitled A distribution system and silk products of Bangladesh (1983). The author cited the finding that the factory sells fabrics directly to the consumers through sales depot at the factory premises of Rajshahi silk factory and sales and display center at Dhaka according to The finding, SSF sells and displays silk products through the two own sales and display centers in Rajshahi. Professor Sanjib Kumar Saha also carried out another work titled on Price strategy of the silk fabric manufacturing enterprises in Bangladesh; a case study of the Rajshahi silk factory. The researcher has suggested high active price strategy in the short run, skim-the-cream pricing in the long run and profit maximization price for the RSF. That finding can be helpful in solving the price problem of SSF. A.K.M Mostafizur Rahman Al-Arif succeeded in doing the work titled on Production and Marketing aspects of silk manufacturing enterprises in Bangladesh. A case study of Rajshahi silk factory (RSF) and Thakurgaon silk factory (TSF). The finding of the study was to increase production efficiency and efficiency in marketing silk of both the RSF and TSF. Subash Chandra Sill did his M. phil work in seri culture sectur and the title was liquidity and profitability analysis A study of Rajshahi silk factory(1982) production difficulties and marketing constraints were the major findings which affected the functional efficiency of the factory. The proposed study will also handle both the production difficulties and marketing constraints of SSF.The proposed study will help to know the marketing strategy and problems of the organization

4.0 Research question:Research question is the guideline that helps to find out the objectives or purposes of the study. Every research is conducted in the light of the specific question. The research question for the proposed study is 1. How does Sopura silk mils perform marketing activities? 2. 5.0 Objectives of the studyA researcher should focus the objectives for which the research work will be conducted. The specific objective of the study is to know the Marketing activities or strategies of SSF.

6.0 Justification of the studySopura Silk Mills is the biggest industry in the area of BSCIC. And it has a great contribution in Silk cloth market with in Rajshahi and Bangladesh as well. It enjoys low labor cost and competitive advantages in terms of raw materials and site selection. it is not being able to market the goods properly but obviously it has great growth potentials. If there were a proper blending of four ps(product, price, place and promotion) then Sopura would be able to gain a good position. For this reason, seeing the marketing weaknesses and undertaking steps are important. So this study bears a great significance for broader interest.

7.0 MethodologyMethodology is the path or way how the research work will be done. Actually research methodology is a way to systematically solve the research problem. As the purpose of the study is to find out the marketing related problem of silk goods produced by Sopura silk milk, the methodology of this research includes population, sample, sampling procedure, data collection and data analysis procedures etc..

7.01 Definition of Population:The study is related to the marketing problem of silk products. So, all the customers will be the population of the study.

7.02 Sample:The objective of the study is to know the marketing strategy of SSF. Due to the time constraints 50 customers of Rajshahi city will be the sample size of the proposed study.

7.03 Sampling procedure: Random sampling will be used for the proposed study as this Sampling procedure represents the total population.

7.04 Data Collection method and procedure:The data will be collected from the primary source and secondary source. Questionnaire will be used including open ended and close-ended questions for providing to the customers who come to the two show rooms in Rajshahi city.

7.05 Data Analysis procedure:The collected data will be analyzed by using relevant statistical tools and techniques.

9.0 Conclusion:Marketing strategy formulation and implementation is the key to success of any organization. From the proposed study, I will look an insight in the present marketing strategies including product, price, place and promotion of Sopura silk mills Ltd. And the findings will assist the organization for its further development.

Reference: Rajshahi University studies, Part c, Volume No- 4.1996 Sopura@librabd.Net. Naresh K. Malhotra (2004) Marketing Research- an applied orientation. Fourth edition published by Pearson education.

MBA/BBA Research Proposal on the Globalization Impact on Trading Sector of Bangladesh Introduction:The liberalization and globalization process in a trading covers both the stabilization and structural adjustment measures. It introduced a host of structural measures in the industrial sector, foreign trade regime.

Trade in a narrow sense trade is a function of buying and selling activities. But in a broad sense trade means collecting raw materials manufacturing product, distributing, importing, exporting and other regarding function.

Globalization is little consensus exists among the export on the definition evidence explanation and implication of globalization. If the people are asked about what they mean by globalization, most of them reply with vagueness consistency, vagueness and confusion. Regrettably many discussion of globalization have suffered from over simplification, exaggeration and wishful thinking.

However, globalization is a process of development of the world into a single interested economic unit. Special educated person, Dr. Jac halaq said, Globalization is a combination of much freer trade in goods and services combined with free capital market.

Social scientist Susan Jorge of Finland said, Globalization means the increased internationalization of economic activities or political negotiation or even cultural trends.

That means the terms of globalization includes the following criteria:

Revolution in the information and communication technology, which has created closer links between nations. Easing of restriction of cross border trade in goods and services. Free follow of financial and investment capital across national boundaries. Increased harmonization of rules governing world economic order.

Globalization does not necessary lead to a win-win situation. There are both winner and loser. The degree of success depends critically on how quickly one can adapt to the new globalization.

It is a very simple that Bangladesh also a developing country of the world. The relation between Bangladesh and the trends of globalization implies multi literalism mainly multilateral trade, liberalizations, trade policy and micro economic phenomena where firms are competing independently at global level. The globalize world is featured by the contribution of international trade in the GDP. The volume of foreign direct investment integration of free market thereby promoting an environment for trade liberalization, privatization and deregulation.

In the recent years Bangladesh is increasing by trying to adapt to prescriptions suitable for globalization like trade barriers should be low. More or less uniform across the sectors and should operate through the price mechanism Bangladesh is applying these principle through across of autonomous unilateral liberalization; then again Bangladesh is also converging towards regional integration agreement ASEAN, SAFTA, EU, EFTA, NAFTA etc. are the product of regional treatise, which began to explore and participates in regional trading agreement.

Literature review: Ghosh and Kumar (1991) remark that the process of business planning can be considered as four parts viz, the analysis of factors affecting the future, forecasting the future environment preparing the plan, installing the plan.

Ahmed (2001) describes that if Bangladesh cannot avail the opportunities and minimize the dangers created by globalization, it will loss tremendously.

According to Khan & Ejaj (2001) total quality management philosophy consists of following basic beliefs: absolute customer focus employee improvement, involvement and ownership, continuous improvement, use of systematic approaches to management.

Stern (2002) comments that Bangladesh is not only in danger of missing the millennium goals but it may also lose out to competitor countries in the competition for the resources needed to reach those goals.

Objectives of the study:

The study has the objectives of that the impact of globalization on developing countries but study has the following objectives: Identifying the impact (import & export) of globalization on Bangladesh. How can minimize the negative impact of Bangladesh. How can get benefit from globalization. To identify the prospective sectors for Bangladesh.

Methodology of the proposed study:

Collection of data: The research will be conducted on the basis of mainly secondary data; beside the primary will be needed.

We collect secondary data from international organization: IMF, WTO, WB, GATT Ambassador etc. because of they published various information about trade and globalization. Other else, government organization such as Bangladesh Bank Statistical Bureau, journals and commercial organization.

We collect primary data from expert businessman exporting and importing firms.

Techniques of data collection: We collect primary data by questionnaire method through personal interview.

Processing and analysis of data: After collecting data there need to shorting and tabulating of that data. To find out the relationship between the variable various statistical method are to apply in according to the nature of the tabulated data. Using easy and understanding statistical tools of data preparation. Finally the results of study may be shown by using deferent figure, graphs and tables.

Importance of the study:

We can say that, though the above discussion if the globalization will be occurred from 2005. Then we have to face the following facts: Major obstacle the democracy. Under mining every fabric of community. Increasing trend of sick industries. Domination of the developed world.

We can remove these threats to maintain following steps:

Provide/ Maintaining balance of payment. To protect infant industries by proper programming. To provide special and preferential treatment. To increase duration of GSP facilities. To provide subsidies. To take differential treatment. To take limited control in capital in flow and out flows. To solution of loan problem. To reduce discrimination in information technology sectors.Finally such type of research proposal works will help to minimize the globalization threat on Bangladesh.

Time schedule:The research project will be needed the times:Literature review.................................... 7 daysData collection....................................7 daysData analysis .................................... 3 daysReport writing ...................................3 daysComputers compose ....................................2 daysBindings ....................................1 days Total .................................... 23 days

Bibliography:

1. The globalization of world politics- by Jon Aart Scholte.2. Current affairs August-2000 & October 2001.3. Stern NH (2002) the investment climate government and inclusion in Bangladesh public lecture organized by Bangladesh economic association- 8 January-2002.4. Rose-P.S. (1999) commercial bank management, McGraw-Hill book Co. Singapore- 4th edition.5. Ahmed Q. K. (2001) key messages arising from deliberation of Bangladesh social economic forum, Dhaka.6. Supplied document by Enayet Hossain.

IntroductionBangladesh is one of the largest Muslim countries in the world. The people of this country are deeply committed to Islamic way of life as enshrined in the Holy Quran and the Sunnah. Naturally, it remains a deep cry in their hearts to fashion and design their economic lives in accordance with the precepts of Islam. The establishment of Islami Bank Bangladesh Limited on March 13, 1983, is the true reflection of this inner urge of its people, which started functioning with effect from March 30, 1983. This Bank is the first of its kind in Southeast Asia. It is committed to conduct all banking and investment activities on the basis of interest-free profit-loss sharing system. In doing so, it has unveiled a new horizon and ushered in a new silver lining of hope towards materializing a long cherished dream of the people of Bangladesh for doing their banking transactions in line with what is prescribed by Islam. With the active co-operation and participation of Islamic Development Bank (IDB) and some other Islamic banks, financial institutions, government bodies and eminent personalities of the Middle East and the Gulf countries, Islami Bank Bangladesh Limited has by now earned the unique position of a leading private commercial bank in Bangladesh.ProblemInvestment is the action of deploying funds with the intention and expectation that they will earn a positive return for the owner. Funds may be invested in either real assets or financial assets. When resources are used for purchasing fixed and current assets in a production process or for a trading purpose, then it can be termed as real investment. The establishment of a factory or the purchase of raw materials and machinery for production purposes are examples in point. On the other hand, the purchase of a legal right to receive income in the form of capital gains or dividends would be indicative of financial investments. Specific examples of financial investments are: deposits of money in a bank account, the purchase of Bonds or stock in a company.When money is deposited with an Islamic Bank, the bank, in turn, makes investments in different forms approved by the Islamic Shariah with the intent to earn a profit. Not only a bank, but also an individual or organization can use Islamic modes of investment to earn profits for wealth maximization. Under the profit-loss sharing system of investment financing, the bank receives a variable rate of return as it shares a percentage of profits earned by the borrower. Though there is a consensus as to sharing losses in proportion to capital participation, some of the Muslim economists think that the ratio may vary with the application of different types of modes of financing. Thus, the Profit-loss-sharing system of investment financing may be termed a Variable Return System.Since the Islamic banking system does not charge interest on any financing agreements, the client neither receives nor pays fixed rate of return while financing his investment. Some popular modes of Islamic Investment are below: Mudaraba partnership between to parties in profit Musharaka partnership between two or more persons or institution Bai Muajjal contract between a buyer and a seller at an agreed fixed price Bai Murabaha contract between a buyer and a seller at a cost plus agreed profit Bai Salam contract between a seller and a buyer at a fixed price in advance Hire Purchase under Shirkatul Melk a synthesis of three contracts : shirkat, ijarah &sale Istisnas sale a contract in which the price is paid in advance at the time of the contract Qard Hasan a contract in which one of the parties (the lender) places into the ownership of the other party (the borrower) a definite parcel of his property, in exchange nothing more than the eventual return of something in the same value of the property loaned.ObjectiveThe objectives of the study are given below : To get overall idea about the investment process of Islami Bank Bangladesh Ltd. To know the investment opportunity created by Islami Bank Bangladesh Ltd. To know the replacement of interest with the profit-loss sharing To make investment facilities easily available under the Islamic shariah To introduce interest free investment operations To know smooth allocation of invest able fund and scare financial resources To extend the benefits of the investment of Islamic Bank to different sector of the people To develop of the country through investment operations particularly in less developed areasThe subject matter of this report will be based on primary and secondary sources. This report will be prepared on the basis of the experience gathered during the period of internship. Personal experience gained by visiting different desks during internship period also has to be used.Data collectionPrimary data Personal observations and practical works on different desks of the Bank Direct interview and conversation with officials Official record of Islami Bank Bangladesh Ltd.Secondary data Annual report of Islami Bank Bangladesh Ltd. Official documents Website of IBBLConclusionIslamic banking, for its profit-loss sharing character, is conceived as more production-oriented and growth promoting than its conventional counterpart. This is because the banks earnings are directly linked to the earnings generated from the venture financed by it. Further, replacement of interest with the principle of profit-loss sharing increases the horizon of investment opportunity in an economy. It also promotes efficient allocation of financial resources, ensures equitable distribution of income and promotes stability in the economy. Thus, Islamic banking is efficient from most of the macroeconomic measures of efficiency.Customer Satisfaction in BankingIntroductionAiming for the customer satisfaction is the most challenging task in every organization. Through the satisfied customers, a firm an easily measure the effectiveness of the business, its potential and position in the industries, and the areas that are needed to polish and improve. Keeping the trust of a customer is not an overnight miracle but with full of patience and bountiful of effort. Background and Problem StatementThe products and services that are sold in the most favorable prices can be an initial step of the firm in obtaining the trust and be included in the top list of the customers. However, because of the tight competition of various services, particularly in banks, the perception of the customers and potential customers are also divided according to the services that they want to achieve. In addition, the impact of the economic problems and financial crunches among the financial institutions creates a great challenge in the banks. With all the challenges that are ahead on the banks, how will they gather the customer satisfaction which is the same focus of the other competing banking institutions? Research Aim and ObjectivesThe aim of the study is to determine the satisfaction on the services and products delivered by the banks towards their customers to attract other potential customer. There are three objectives that can be the guidance of the researcher/s in reaching for their goal and, in also, measuring the impact of customer satisfaction to their effectiveness in the market. First objective is to recognize the various strategies placed by the banks to achieve the customer satisfaction. Second is to determine the extent of those strategies to eliminate or at least minimize the impact of resistance and reluctance of the customers towards the banks offered products and services. And third is to discover the level of satisfaction from the existing customers that can contribute in the success and continuous performance of the banks. Literature ReviewFinding for the loyal customers is a great opportunity for the va