| SR. NO. | CONTENTS | PAGE NO. | 
| 1. | EVALUATION OF THE PRODUCTIVITY AND PROFITABILITY OF PUBLIC AND PRIVATE BANKS IN ETHIOPIA – COMPARATIVE STUDY   DR. GARADCHEW WORKU | 1-11 | 
| 2. |  THE USE OF FINANCIAL INFORMATION IN STOCK EXCHANGE DECISION MAKING IN MTWARA TANZANIA    DR. A.S.K NORMAN | 12-23 | 
| 3. | BANCASSURANCE – A NEW CHANNEL FOR EMERGING GROWTH OF INDIAN INSURANCE INDUSTRY   DR.GIRISH.K.NAIR,  DR.R.RAJKUMAR, S.VINOTH   MBA | 24-33 | 
| 4. | WORK DIVERSITY MANAGEMENT AND PERCEIVED OUTCOME:  A STUDY OF WORKER AWARENESS AND SENSITIVITY IN SELECT INDUSTRIES OF UTTARAKHAND    DR D.S.CHAUBEY, MR. SIDHESWAR PATRA, MR. DEEPAK GUPTA | 34-53 | 
| 5. | A STUDY OF WORKER'S PARTICIPATION IN MANAGEMENT   DR.D.T.CHAVARE | 54-62 | 
| 6. | A STUDY ON CONSUMER ATTITUDE TOWARDS STORE BRANDS WITH SPECIAL REFERENCE TO RELIANCE RETAIL OUTLET IN MADURAI CITY    C.R.MATHURAVALLI, DR.S.SAKTHIVEL RANI | 63-84 | 
| 7. | SERICULTURE INDUSTRY – AN EFFECTIVE TOOL FOR DEVELOPMENT OF DROUGHT-PRONE AREAS TECHNOLOGY INDUSTRY)   MR. N.V.RATHNAM, P.V.NARASAIAH | 85-97 | 
| 8. | INCORPORATION OF FUN AND ENJOYMENT IN WORK: BUILDS THE WAY FOR SUCCESS AND GENERATION OF LONG TERM BENEFITS   DR. MANI KANSAL, MS. PUJA, MS. GUNJAN MAHESHWARI | 98-113 | 
| 9. | AN ANALYSIS OF THE NEWSPAPER PUBLISHING INDUSTRY –CAN IT SURVIVE THE ONSLAUGHT OF THE DIGITAL MEDIA   MOU MUKHERJEE-DAS, DR PARTHO P. SENGUPTA | 114-130 | 
| 10. | A STUDY ON INFLUENCE OF UTILITARIAN AND HEDONIC SHOPPING VALUES ON PERCEIVED BENEFITS AND RISKS IN ONLINE SHOPPING   PATEL VIPULKUMAR BALDEVBHAI,  PRAJAPATI MAULIK CHANDRAKANT, PATEL KUNDAN MAHENDRABHAI | 131-141 | 
| 11. | CUSTOMER SATISFACTION OF SAVINGS BANK ACCOUNT-HOLDER OF STATE BANK OF INDIA -- A STUDY IN SILCHAR TOWN OF ASSAM    PARAG SHIL, SIKHA DEB | 142-161 | 
| 12. | A STUDY ON LEVEL OF CUSTOMER’S AWARENESS IN VALUE ADDED SERVICES ON MOBILE PHONE SUBSCRIBERS - WITH SPECIAL REFERENCE TO TIRUPPUR DISTRICT, TAMIL NADU   DR. P.RENGARAJAN, T.KAVIPRIYA | 162-175 | 
| 13. | A STUDY OF ADVANCED FINANCIAL LITERACY AMONG THE WORKING WOMEN IN PUNJAB    DR. SARITA BAHL | 176-190 | 
| 14. | FDI IN RETAILING  DR N.P.HARIHARAN, G. RAJA RAJESWARI | 191-198 | 
| 15. | A STUDY ON EMERGED & EMERGING RETAIL FORMATS IN INDIA  MR. M. RUPESH KUMAR JAIN,  DR. A.G.V. NARAYANAN | 199-208 | 
| 16. | A STUDY ON EFFECTIVENESS OF TECHNIQUES OF MANAGING EMPLOYEES AMONG VARIOUS INDUSTRIES WITH SPECIAL REFERENCE TO ERODE DISTRICT   DR.V.KAVITHA, Ms.P.KAVITHA | 209-226 | 
| 17. | ART ADHERENCE- A SIGNIFICANT DETERMINANT OF SURVIVAL FOR PEOPLE LIVING WITH HIV/AIDS   PRADIP KUMAR DAS | 227-242 | 
| 18. | EMPLOYABILITY OF THE STUDENTS – A FACULTY ROLE   SRINIVAS RRS, | 243-248 | 
| 19. | STUDY ON PRINCIPLES FOR IMPLEMENTING CRM STRATEGIES FOR ORGANIZED RETAIL IN INDIA    MRS. T.GIRIJA | 249-254 | 
| 20. |  A STUDY ON MOTIVATION AND JOBSATISFACTION OF HIGHER SECONDORY SCHOOL TEACHERS   NEVILLE C PRADEEP | 255-262 | 
| 21. | HUMAN RESOURCE ACCOUNTING PRACTICES IN INDIAN CORPORATE ENTITIES: A STUDY ON INFOSYS   DEVARAJAPPA S | 263-270 | 
| 22. | PRICING STRATEGY: LIC VS INDIAN PRIVATE LIFE INSURERS   DR.RENU AGGARWAL | 271-277 | 
| 23. | BACK SLIDE OF BUSINESS-RECESSION   SHILPA B.S, SHILPA L.R,  NITU GHOSH | 278-282 | 
| 24. | SELF HELP GROUPS IN SOCIAL TRANSFORMATION DR.S.BOSE | 283-287 | 
| 25. | HR ISSUES AND INTERVENTION MODEL FOR FAMILY BUSINESS   DR. EKTA SHARMA | 288-297 | 
| 26. | IMPACT OF NANOTECHNOLOGY IN AUTOMOBILE INDUSTRY   MS.A.JOSEPHINE STELLA,  DR.K.RAJESWARI | 298-302 | 
| 27. | CREDIT RISK OF AGRICULTURAL BORROWERS  DR.G.LALITHAKUMARI, CB SOWPARNIKA | 303-313 |