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2757 items in total found

Working Papers | 1987

Banking in Backward Regions: Banks-NGO-POOR Interface - Alternatives for Action

Anil K. Gupta

The problem of improving access of poor to formal banking system in risky ecological regions has acquired added importance in recent times. The ecological imbalances, reduced opportunities for productive investments, fluctuations in outputs, lack of technological break through, seasonal as well as permanent migration, poor infrastructure, multi-enterprise based household survival strategies etc. pose tremendous challenge to designers of accessible organizations. We have taken into account the spatial, seasonal, sectoral dimensions of social stratification while conceptualising the problems of access of poor to natural resources, assurance from the institution and abilities or the skills of the poor to convert access into investments. The socio-ecological paradigm so developed has been used to abstract lessons from six cases of Bank-NGO-Poor interface. While we do not believe that the challenge of developing poor in backward regions can be left primarily on the shoulders of NGOs, we do recognise the need for learning from innovative approaches. The experience of six cases studied by colleagues at IIM and GIAP has been synthesized in this paper. Several policy options identified earlier have been validated while need for some more has also become apparent. It is hoped that NABARD will be able to use insights emerging from this ongoing group research effort to make banking in backward region more accessible to poor.

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Working Papers | 1987

Economic Order Quantity When Ordering Costs are Lot Size Dependent

Gupta Omprakash K

Classical EOQ model assumes that the ordering cost A is constant and independent of lot size. This paper deals with the case when A depends on the lot size and increases at a decreasing rate. Firstly A is assumed to increase in steps as a function of lot size . In both cases models are analyzed and procedures are given for determining the optimal lot size.

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Working Papers | 1987

An Improved Procedure for Economic Order Quantity with all Unit Price Discounts

Gupta Omprakash K

Suppliers often offer price discounts for large purchases. These discounts are generally of two types: all unit discounts and incremental discounts. This paper presents an improved procedure for determining the economic order quantity under all unit discounting scheme. Upper bounds on the total relevant costs are obtained which are used to discard certain high-price ranges form consideration.

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Working Papers | 1987

Quantity Discount Pricing Model: An Exact Formulation and Analysis

Srinivasan G and V. Venkata Rao

In this paper we formulate and analyze the quantity discount pricing problem without the approximation that was earlier used by Monahan (3) and Lee and Rosenblatt (2). Our exact analysis throws light on some important conceptual implications of the above approximation. The exact formulation also enables us to discuss the discounting problem separately from the view-points of seller, buyer and the total system. Specifically, we show that the optimal policy from the buyer's view-point should be the same as that from the system view-point; and that the optimal policies of the buyer and the seller need not be the same. In addition, we present procedures for computing the optimal policies for the above three cases.

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Working Papers | 1987

Organizational Behaviour Research in India: A Review

Khandwalla P N

The paper defines Organizational Behaviour (OB) and indicates its relevance to management. It briefly describes some global trends in OB. Next, it discusses trends in OB research in India vis-a-vis quantity of OB research, the OB product-mix, shift from academic to socially relevant research, diversity in the use of research methods, and the emergence of Indian OB models. The paper next indicates cumulation in the areas of work motivation, conflict and conflict management, and the management of organizational dynamics. Finally, after noting the achievements of OB research in India the paper identifies several gaps and suggests several directions future OB research should take. In particular, it pleads for a sharper social focus, involving studies of the organizational consequences of major Indian realities and greater priority to the study of strategic organizations and individuals. It suggests greater effort at relating macro-OB variables to micro-OB variables, at relating macro-OB variables with one another, and the examination of a number of under-investigated micro-OB variables. It pleads for much greater use of natural experiments based research, and concludes by listing the sorts of help practitioners want from OB academics.

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Working Papers | 1987

A Study of Attitudes Towards Women Officers in Banks

Deepti Bhatnagar

An increasing number of Indian women are joining managerial ranks, yet very few studies have been carried out to empirically assess people's attitudes towards women managers. This paper reports results of a study of attitudes towards women managers in banks. Data were collected from 65 female and 136 male employees working at clerical, junior, middle and senior middle management levels in banks. Results reveal a widespread lukewarm attitude towards women managers. Though women hold a much more favourable attitude than men, yet even female responses are not unequivocally positive. Implications of such attitudes for work performance and career progression of women managers are discussed.

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Working Papers | 1987

Target Debt Maintenance Under Alternative Net Present Value Specifications and Implications for Investment and Finance Decisions

Ragunathan V and Srinivasan G

Two alternative specifications of weighted average cost of capital are prevalent in finance literature. Though both the specifications result in consistent accept/reject or ranking decisions the net present value arrived is different under each method. This paper traces the origin of this difference and resolves the same. It is shown that if projects are funded in such a way that resulting debt to equity is the optimal leverage then both specifications will yield identical net present values. In cases where such capital structure maintenance is not feasible there is loss of value due to unused debt capacity. We arrive at a lower bound for such a loss and also show that in such situations there exists a possibility of a synergy between projects which are otherwise independent.

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Working Papers | 1987

A Study of Role Stress in Relation to Type-A and Anger

Pestonjee D M

Present study is an attempt to explore the relationship between factors of role stress, Type-A pattern of behavioural disposition and State-Trait anger among three categories of management personnel. A battery of three psychometric instruments, namely, 'ORS Scale', 'State-Trait Anger Scale' and 'Can You Type Your Behaviour?' were administered on 221 top managers, 326 middle managers and 77 IAS officers. Critical ratio test, median test and product moment coefficients of correlation were used to analyse the data. Result of the present study suggests that interrole distance and role erosion are the most dominant contributor of role stress whereas role ambiguity and personal inadequacy are the least important contributor for the total sample of management personnel. Comparison of scores on ORS Scale revealed that by and large all the three comparison groups differ from one another. Type-A and trait-anger scores were found to be statistically insignificant whereas state-anger scores were significantly different in all the three comparison groups. Study of correlation coefficients revealed that more correlation coefficients among role stress factors as well as ORS vs S/T anger were significant in case of TMG, followed by NNG and IAS personnel. More correlation coefficients between Type-A score and ORS factors were found to be significant in case of IAS group as compared to other datasets. Datasets were also dichotomized on the basis of age of the respondents. Statistical differences as well as correlation coefficients pertaining to variables understudy were analysed for both, low and high age group management personnel of each categories.

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Working Papers | 1987

Some Issues in Microlevel Planning Based on Experience of Action Research in India

Ravindra H. Dholakia and Iyengar Sudarshan

The concept of microlevel planning is operationalized in India through special programmes involving allocation of specified funds over given sectors, space and time. While working with the district and block level administration in planning several such programmes, we faced many situations which require explicit mention and perhaps modification in the discussion of the methodology of microlevel planning in a developing economy. We have broadly categorized these issues into (a) nature and avaialbility of required statistics; (b) alternative approaches, (c) target setting; (d) choice of strategy; (e) administrative structure; (f) identification of target group; and (g) people's participation. These issues are discussed with a view to deriving their methodological implications.

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Working Papers | 1987

Leasing Industry in India: Structure and Prospects

Pandey I M

The aim of this paper is to critically evaluate the structure and prospects of the leasing industry in India. Financial data of 29 selected leasing companies are analyzed to formulate the strategic groups of the leasing companies. It is argued that the winners of future would be either those leasing companies which are large in size and affect economies of scale or those which are associated with business houses. The options available to new entrants for successful survival are to enter the leasing business either as a large company or a specialized company. Entry on a leasing-cum-manufacturing will pose difficulty in terms of government regulation, raising of large capital and managerial capability.

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