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Articles by B. Sumathisri
Total Records ( 5 ) for B. Sumathisri
  B. Sumathisri
  Given the increasing economic globalization and restructuring in the world political and economic systems and the requirements for knowledge and information within that system, educational needs (in terms of structure, function, curriculum and approach) at all levels, especially at the tertiary level have changed. These educational requirements for the workforce of the future are extremely important. Technology is a tool which should become part of the educational and research processes. But it is necessary to ensure that all hard and software is equally available to all. The use of e-Learning is reemerging as a solution for delivering online, hybrid and synchronous learning regardless of physical location, time of day or digital reception or distribution device type. Also, many institutions and enterprises are turning to e-Learning to engage learners with ideas and information. It also acts as a bridge for the educational gap between the rural and urban areas. Thus, e does not stand for electronic alone. The e in e-Learning would be better demand as evolving or everywhere or enhanced or extended.
  B. Sumathisri
  Customer demand is ever changing unpredictable and also immeasurable with accuracy. It is also complex and very intricate. Marketing policies, programmes and strategies are planned, organized and executed with the main objective of customer satisfaction and service. Service refers to social efforts which include even government to fight five giant evils, e.g., want, disease, ignorance, squalor and illness in the society. In the 21st century, the business environmental conditions are likely to be more volatile. The globalization and liberalization has opened new vistas for the development of service generating organization. It should make sincere efforts to make them stronger and stronger if they have to survive and thrive. It is against this background the study follows about the service blueprinting, a useful tool for designing and specifying intangible service processes. A service blueprint is a schematic diagram that represents all the details of a service from the customer and organization’s perspective. It maps out chronologically and in sequence all the various interactions and actions that occur in parallel when customer and company meet it shows all the interactions by and with the customer. A company that works toward implementing these strategies will be well on its way in delivering service quality through its people thereby diminishing Gap 2.
  B. Sumathisri , K. Veerakumar and G. Prabhakaran
  The business environment in the world is turbulent, dynamic and fast changing. The corporate are facing keen competition and ever-increasing expectations of customer particularly in quality and delivery products. Advertisement only promotes consumer welfare by encouraging competition and leading to improvements in product quality and reduction in price for him. But, it is less flexible than personal communication and cannot answer objections raised by prospects. Target audiences are much more tightly targeted with direct marketing also. The concept of Customer Experience Management is that the process of strategically managing a customer’s entire experience with a product or company. In the early years of the new millennium, Customer Experience Management (CEM) was a popular buzzword that really set the stage for experiential marketing. One of the key principles of CEM is the shift in responsibility from the headquarters to the branches and agents. Product placements have become part of the landscape, part of the real world where consumers hang out and certainly do not mind trying something as long as it makes sense to them. Thus, the phenomenon of companies have changed to create goods, service and experiences in close cooperation with consumers, tapping into their intellectual capital and in exchange giving them a direct say what actually gets produced, manufactured, developed, designed, serviced or processed.
  B. Sumathisri
  Taxation plays a vital role in international operation of firms. It is the core of various financial decisions, such as international investment decisions, international working capital decisions, funds raising decisions concerning dividend and other payments. It is true that the tax issue is relevant to such decisions also in respect of domestic firms. But, the management of taxation is a highly complex issue for international corporations. There are two types of foreign investment, namely foreign direct investment and foreign portfolio investment. Pursuing the objectives of utilizing the firms’ cash resources most efficiently and minimizing the firms’ global tax liability requires the firm to be able to transfer funds from one location to another around the global. International businesses use a number of techniques to transfer liquid funds across borders. These include dividend remittances, royalty payments and fees, transfer prices and fronting loan. The investors are interested in real rates of return net of taxes. The international tax system should be neutral that is it should not affect economic efficiency. At the same time, it has to be equitable ensuring equal sacrifice by different tax payers. Besides, a firm should not be taxed twice for the same income. Some firms use tax havens to minimize their tax liability. The OECD has published a list of 35 tax havens. So, the OECD is very much concerned to remove the loopholes in the tax system and other obstacles in cross border trade and investment.
  B. Sumathisri and G.R. Gayathri
  Commercial banks extend financial assistance or the credit facilities in different ways. Although, all credit facilities are basically a loan, different methods of financing are adopted depending upon the period of finance, purpose of finance, Quantum of balance, etc. In this context, the study was undertaken to analyze the retail borrower’s behavior in Indian bank. The objectives were analyzed with the help of primary data and tools like correlation, regression and factor analysis have been explored to interpret the data. The study concludes that by enhancing and developing Indian bank on the basis of facilities and proper loan sanctioning system will enable retail borrowers to pay their dues on time. The said objectives were analyzed with the help of primary data which was collected from 160 respondents who have availed the various loans from the Indian bank. The data were limited at micro level. The regression model has no significant prediction for the dependent variable. It has been inferred from the study that the overall satisfaction level of the Indian bank was conferred an attitude of bank employee’s mode of payment towards loan and qualify amount which were highly appreciable among the borrowers.
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