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www.ijmra.us                                   May 2012
                                                                                                 Volume-2, Issue-5




                                                     ISSN: 2249-1058




                                                                              Contact Us:
                                                                              editorijmie@gmail.com
                                                                              info@ijmra.us
                                                                              www.ijmra.us




A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial Directories
www.ijmra.us                                   May 2012
                                                                                                         Volume-2, Issue-5


                       International Journal of Marketing and Technology
                                         (ISSN: 2249-1058)
                                            CONTENTS
Sr.                                 TITLE & NAME OF THE AUTHOR(S)                                                                               Page
No.                                                                                                                                             No.

      The Effect Of Income Inequalities On The Welfare Of The Poor In Nigeria.
 1    Adediran, Olanrewaju Adewole, Adedeji, Samuel Babatunji, Oluwasanya, Adewale Tony and Adediran, Afolake Olubusayo
                                                                                                                                                1-13

      Accountability And Transparency In Public Financial Management In Nigeria: Challenges And Prospects.
 2    Abata, Matthew Adeolu and Adejuwon, Kehinde David
                                                                                                                                                14-33

      The Effect Of Electronic Banking On Customer Service Delivery In Nigeria.
 3    Ambrose, Ekong Akpan
                                                                                                                                                34-45

      Customer Experience Management in Retailing for Retail Patronage.
 4    Dr. Sanjiv Mittal and Akanksha Gupta
                                                                                                                                                46-83

      Business Intelligence For Competence In Consumer Packaged Good Industry.
 5    C. S. Ramanigopal, G. Palaniappan and A. Mani
                                                                                                                                               84-105

      A Study On Economic Profile And Financial Decision Of Poultry Farm Owner’s With Reference To Namakkal District,
 6    Tamilanadu.                                                                                                                              106-124
      Dr. R. Mohanraj and Dr. L. Manivannan
      Creating a Systematic Trading Plan in Nifty with Bull Call Spread of first In the Money and At the Money strike price.
 7    Priyanka Vashisht
                                                                                                                                               125-134

      Semi Solid Flow Cell-A Prominent Rootage.
 8    Prem Kumar.C and Benon.S
                                                                                                                                               135-147

      Model Development and Validation for Studying Consumer Preferences of Car Owners.
 9    Balakrishnan Menon and Dr. Jagathy Raj V.P
                                                                                                                                               148-173

      An Analysis of Marketed Surplus and Price Spread of Okra in Western Uttar Pradesh.
10    Dr Gaurav Joshi
                                                                                                                                               174-185

      Ethics In Supply Chain.
11    Vipul Chalotra
                                                                                                                                               186-200

      Globalization & Trade In Textile Industry.
12    Mr. V.Viswaprakash and Dr. K.Sentamilselvan
                                                                                                                                               201-209

      Health Issue Leads To Employee Attrition In Chennai Based Call Center Industry.
13    G. Sri Devi and Dr. N. Panchanatham
                                                                                                                                               210-218

      Human Development Index And Poverty Linkages.
14    Dr. Ranbir Singh
                                                                                                                                               219-230

      The effects of dividends on stock prices in Pakistan.
15    Muhammad Ikhlas Khan
                                                                                                                                               231-251

      A Study Of Problems Faced By The Customers Towards The Banking Services In Sivakasi Block.
16    V.Alagu Pandian and Manish Kumar Mishra
                                                                                                                                               252-262

      Investigation of Data Flow in an ERP Environment.
17    Dr. Venkatesh. J and Ms. Aarthy. C
                                                                                                                                               263-271

      A Study of Marketing Strategies Part 1: for Selected Pharmaceutical Medicine adopted by Pharmaceutical Companies in
18    and around Pune Region.                                                                                                                  272-285
      Rajesh J. Oswal and Anand A. Deshmukh

      Macro Economic Variables: Impact on the Economic Development of the Country.
19    Dr Surender Kumar Gupta and Ms. Shivani Gupta
                                                                                                                                               286-298




        A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial Directories
www.ijmra.us                                   May 2012
                                                                                                 Volume-2, Issue-5

                                     Chief Patron
                                Dr. JOSE G. VARGAS-HERNANDEZ
                         Member of the National System of Researchers, Mexico
         Research professor at University Center of Economic and Managerial Sciences,
                                    University of Guadalajara
                   Director of Mass Media at Ayuntamiento de Cd. Guzman
                    Ex. director of Centro de Capacitacion y Adiestramiento



                                                  Patron
                                         Dr. Mohammad Reza Noruzi
           PhD: Public Administration, Public Sector Policy Making Management,
                         Tarbiat Modarres University, Tehran, Iran
      Faculty of Economics and Management, Tarbiat Modarres University, Tehran, Iran
          Young Researchers' Club Member, Islamic Azad University, Bonab, Iran



                                 Chief Advisors
                                                Dr. NAGENDRA. S.
                              Senior Asst. Professor,
   Department of MBA, Mangalore Institute of Technology and Engineering, Moodabidri

                                       Dr. SUNIL KUMAR MISHRA
                                         Associate Professor,
                          Dronacharya College of Engineering, Gurgaon, INDIA

                                        Mr. GARRY TAN WEI HAN
               Lecturer and Chairperson (Centre for Business and Management),
            Department of Marketing, University Tunku Abdul Rahman, MALAYSIA

                                                 MS. R. KAVITHA
                                        Assistant Professor,
               Aloysius Institute of Management and Information, Mangalore, INDIA

                                          Dr. A. JUSTIN DIRAVIAM
                                    Assistant Professor,
       Dept. of Computer Science and Engineering, Sardar Raja College of Engineering,
                      Alangulam Tirunelveli, TAMIL NADU, INDIA

                                                 Dr. Krishan kumar
                                                Dean,
                   School of Life Sciences, Singhania University Rajasthan, INDIA




A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial Directories
www.ijmra.us                                   May 2012
                                                                                                 Volume-2, Issue-5
                                                     Dr. G. D. Singh
                  Certified Manager - Cambridge Association of Managers, England,
                   Founder & President, The Indian Management Academy - IMA

                                             Dr. Sorinel Capusneanu
                                   Associate Professor,
     Faculty of Finance and Accounting, “ARTIFEX" University, Bucharest, ROMANIA

                                               Benard Okelo Nyaare
                                            Assistant Lecturer,
                                  Bondo University College, Bondo, KENYA

                                               Dr. Meenakshi Gupta
                                           Assistant Professor,
                             Shri Mata Vaishno Devi University- Katra, INDIA




                               Editorial Board
                                              Dr. CRAIG E. REESE
               Professor, School of Business, St. Thomas University, Miami Gardens

                                             Dr. S. N. TAKALIKAR
                    Principal, St. Johns Institute of Engineering, PALGHAR (M.S.)

                                          Dr. RAMPRATAP SINGH
           Professor, Bangalore Institute of International Management, KARNATAKA

                                                 Dr. P. MALYADRI
              Principal, Government Degree College, Osmania University, TANDUR

                                  Dr. Y. LOKESWARA CHOUDARY
                 Asst. Professor Cum, SRM B-School, SRM University, CHENNAI

                                          Prof. Dr. TEKI SURAYYA
              Professor, Adikavi Nannaya University, ANDHRA PRADESH, INDIA

                                                 Dr. T. DULABABU
              Principal, The Oxford College of Business Management, BANGALORE


                           Dr. A. ARUL LAWRENCE SELVAKUMAR
           Professor, Adhiparasakthi Engineering College, MELMARAVATHUR, TN




A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial Directories
www.ijmra.us                                   May 2012
                                                                                                 Volume-2, Issue-5
                                          Dr. S. D. SURYAWANSHI
                        Lecturer, College of Engineering Pune, SHIVAJINAGAR

                                         Dr. S. KALIYAMOORTHY
              Professor & Director, Alagappa Institute of Management, KARAIKUDI

                                        Prof S. R. BADRINARAYAN
                 Sinhgad Institute for Management & Computer Applications, PUNE

                                            Mr. GURSEL ILIPINAR
                      ESADE Business School, Department of Marketing, SPAIN

                                            Mr. ZEESHAN AHMED
                 Software Research Eng, Department of Bioinformatics, GERMANY

                                               Mr. SANJAY ASATI
                  Dept of ME, M. Patel Institute of Engg. & Tech., GONDIA(M.S.)

                                                Mr. G. Y. KUDALE
                    N.M.D. College of Management and Research, GONDIA(M.S.)



          Editorial Advisory Board
                                                  Dr. MANJIT DAS
                   Assistant Professor, Deptt. of Economics, M.C.College, ASSAM

                                               Dr. ROLI PRADHAN
                       Maulana Azad National Institute of Technology, BHOPAL

                                                  Dr. N. KAVITHA
            Assistant Professor, Department of Management, Mekelle University, ETHIOPIA


                                                Prof C. M. MARAN
                 Assistant Professor (Senior), VIT Business School, TAMIL NADU

                                               Dr. RAJIV KHOSLA
               Associate Professor and Head, Chandigarh Business School, MOHALI

                                                   Dr. S. K. SINGH
              Asst. Professor, R. D. Foundation Group of Institutions, MODINAGAR

                                  Dr. (Mrs.) MANISHA N. PALIWAL
                     Associate Professor, Sinhgad Institute of Management, PUNE



A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial Directories
www.ijmra.us                                   May 2012
                                                                                                 Volume-2, Issue-5

                            Dr. (Mrs.) ARCHANA ARJUN GHATULE
                Director, SPSPM, SKN Sinhgad Business School, MAHARASHTRA

                                      Dr. NEELAM RANI DHANDA
                   Associate Professor, Department of Commerce, kuk, HARYANA

                                          Dr. FARAH NAAZ GAURI
   Associate Professor, Department of Commerce, Dr. Babasaheb Ambedkar Marathwada
                               University, AURANGABAD

                                     Prof. Dr. BADAR ALAM IQBAL
        Associate Professor, Department of Commerce, Aligarh Muslim University, UP

                                   Dr. CH. JAYASANKARAPRASAD
    Assistant Professor, Dept. of Business Management, Krishna University, A. P., INDIA



                        Technical Advisors
                                                  Mr. Vishal Verma
                      Lecturer, Department of Computer Science, Ambala, INDIA

                                                     Mr. Ankit Jain
             Department of Chemical Engineering, NIT Karnataka, Mangalore, INDIA

                                                  Mr. Anil Chandra
   Department of Biotechnology, Indian Institute of Technology Guwahati, Assam, INDIA

                                             Prof. Bharati Veerendra
  Asst. Professor - MCA, K. J. Somaiya's SIMSR,, univeristy of Mumbai, Mumbai, INDIA

                                               Mr. Gagandeep Singh
           Department of Biotechnology, Kurukshetra University, Kurukshetra, INDIA



                           Associate Editors
                                          Dr. SANJAY J. BHAYANI
          Associate Professor ,Department of Business Management, RAJKOT, INDIA

                                            MOID UDDIN AHMAD
                     Assistant Professor, Jaipuria Institute of Management, NOIDA

                                              Dr. SUNEEL ARORA
         Assistant Professor, G D Goenka World Institute, Lancaster University, NEW DELHI




A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial Directories
www.ijmra.us                                   May 2012
                                                                                                 Volume-2, Issue-5
                                                   Mr. P. PRABHU
                         Assistant Professor, Alagappa University, KARAIKUDI

                                             Mr. MANISH KUMAR
                        Assistant Professor, DBIT, Deptt. Of MBA, DEHRADUN

                                             Mrs. BABITA VERMA
                       Assistant Professor, Bhilai Institute Of Technology, DURG

                                        Ms. MONIKA BHATNAGAR
                  Assistant Professor, Technocrat Institute of Technology, BHOPAL

                                            Ms. SUPRIYA RAHEJA
               Assistant Professor, CSE Department of ITM University, GURGAON




A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial Directories

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Cover page ijmt_may_2012

  • 1. www.ijmra.us May 2012 Volume-2, Issue-5 ISSN: 2249-1058 Contact Us: editorijmie@gmail.com info@ijmra.us www.ijmra.us A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial Directories
  • 2. www.ijmra.us May 2012 Volume-2, Issue-5 International Journal of Marketing and Technology (ISSN: 2249-1058) CONTENTS Sr. TITLE & NAME OF THE AUTHOR(S) Page No. No. The Effect Of Income Inequalities On The Welfare Of The Poor In Nigeria. 1 Adediran, Olanrewaju Adewole, Adedeji, Samuel Babatunji, Oluwasanya, Adewale Tony and Adediran, Afolake Olubusayo 1-13 Accountability And Transparency In Public Financial Management In Nigeria: Challenges And Prospects. 2 Abata, Matthew Adeolu and Adejuwon, Kehinde David 14-33 The Effect Of Electronic Banking On Customer Service Delivery In Nigeria. 3 Ambrose, Ekong Akpan 34-45 Customer Experience Management in Retailing for Retail Patronage. 4 Dr. Sanjiv Mittal and Akanksha Gupta 46-83 Business Intelligence For Competence In Consumer Packaged Good Industry. 5 C. S. Ramanigopal, G. Palaniappan and A. Mani 84-105 A Study On Economic Profile And Financial Decision Of Poultry Farm Owner’s With Reference To Namakkal District, 6 Tamilanadu. 106-124 Dr. R. Mohanraj and Dr. L. Manivannan Creating a Systematic Trading Plan in Nifty with Bull Call Spread of first In the Money and At the Money strike price. 7 Priyanka Vashisht 125-134 Semi Solid Flow Cell-A Prominent Rootage. 8 Prem Kumar.C and Benon.S 135-147 Model Development and Validation for Studying Consumer Preferences of Car Owners. 9 Balakrishnan Menon and Dr. Jagathy Raj V.P 148-173 An Analysis of Marketed Surplus and Price Spread of Okra in Western Uttar Pradesh. 10 Dr Gaurav Joshi 174-185 Ethics In Supply Chain. 11 Vipul Chalotra 186-200 Globalization & Trade In Textile Industry. 12 Mr. V.Viswaprakash and Dr. K.Sentamilselvan 201-209 Health Issue Leads To Employee Attrition In Chennai Based Call Center Industry. 13 G. Sri Devi and Dr. N. Panchanatham 210-218 Human Development Index And Poverty Linkages. 14 Dr. Ranbir Singh 219-230 The effects of dividends on stock prices in Pakistan. 15 Muhammad Ikhlas Khan 231-251 A Study Of Problems Faced By The Customers Towards The Banking Services In Sivakasi Block. 16 V.Alagu Pandian and Manish Kumar Mishra 252-262 Investigation of Data Flow in an ERP Environment. 17 Dr. Venkatesh. J and Ms. Aarthy. C 263-271 A Study of Marketing Strategies Part 1: for Selected Pharmaceutical Medicine adopted by Pharmaceutical Companies in 18 and around Pune Region. 272-285 Rajesh J. Oswal and Anand A. Deshmukh Macro Economic Variables: Impact on the Economic Development of the Country. 19 Dr Surender Kumar Gupta and Ms. Shivani Gupta 286-298 A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial Directories
  • 3. www.ijmra.us May 2012 Volume-2, Issue-5 Chief Patron Dr. JOSE G. VARGAS-HERNANDEZ Member of the National System of Researchers, Mexico Research professor at University Center of Economic and Managerial Sciences, University of Guadalajara Director of Mass Media at Ayuntamiento de Cd. Guzman Ex. director of Centro de Capacitacion y Adiestramiento Patron Dr. Mohammad Reza Noruzi PhD: Public Administration, Public Sector Policy Making Management, Tarbiat Modarres University, Tehran, Iran Faculty of Economics and Management, Tarbiat Modarres University, Tehran, Iran Young Researchers' Club Member, Islamic Azad University, Bonab, Iran Chief Advisors Dr. NAGENDRA. S. Senior Asst. Professor, Department of MBA, Mangalore Institute of Technology and Engineering, Moodabidri Dr. SUNIL KUMAR MISHRA Associate Professor, Dronacharya College of Engineering, Gurgaon, INDIA Mr. GARRY TAN WEI HAN Lecturer and Chairperson (Centre for Business and Management), Department of Marketing, University Tunku Abdul Rahman, MALAYSIA MS. R. KAVITHA Assistant Professor, Aloysius Institute of Management and Information, Mangalore, INDIA Dr. A. JUSTIN DIRAVIAM Assistant Professor, Dept. of Computer Science and Engineering, Sardar Raja College of Engineering, Alangulam Tirunelveli, TAMIL NADU, INDIA Dr. Krishan kumar Dean, School of Life Sciences, Singhania University Rajasthan, INDIA A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial Directories
  • 4. www.ijmra.us May 2012 Volume-2, Issue-5 Dr. G. D. Singh Certified Manager - Cambridge Association of Managers, England, Founder & President, The Indian Management Academy - IMA Dr. Sorinel Capusneanu Associate Professor, Faculty of Finance and Accounting, “ARTIFEX" University, Bucharest, ROMANIA Benard Okelo Nyaare Assistant Lecturer, Bondo University College, Bondo, KENYA Dr. Meenakshi Gupta Assistant Professor, Shri Mata Vaishno Devi University- Katra, INDIA Editorial Board Dr. CRAIG E. REESE Professor, School of Business, St. Thomas University, Miami Gardens Dr. S. N. TAKALIKAR Principal, St. Johns Institute of Engineering, PALGHAR (M.S.) Dr. RAMPRATAP SINGH Professor, Bangalore Institute of International Management, KARNATAKA Dr. P. MALYADRI Principal, Government Degree College, Osmania University, TANDUR Dr. Y. LOKESWARA CHOUDARY Asst. Professor Cum, SRM B-School, SRM University, CHENNAI Prof. Dr. TEKI SURAYYA Professor, Adikavi Nannaya University, ANDHRA PRADESH, INDIA Dr. T. DULABABU Principal, The Oxford College of Business Management, BANGALORE Dr. A. ARUL LAWRENCE SELVAKUMAR Professor, Adhiparasakthi Engineering College, MELMARAVATHUR, TN A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial Directories
  • 5. www.ijmra.us May 2012 Volume-2, Issue-5 Dr. S. D. SURYAWANSHI Lecturer, College of Engineering Pune, SHIVAJINAGAR Dr. S. KALIYAMOORTHY Professor & Director, Alagappa Institute of Management, KARAIKUDI Prof S. R. BADRINARAYAN Sinhgad Institute for Management & Computer Applications, PUNE Mr. GURSEL ILIPINAR ESADE Business School, Department of Marketing, SPAIN Mr. ZEESHAN AHMED Software Research Eng, Department of Bioinformatics, GERMANY Mr. SANJAY ASATI Dept of ME, M. Patel Institute of Engg. & Tech., GONDIA(M.S.) Mr. G. Y. KUDALE N.M.D. College of Management and Research, GONDIA(M.S.) Editorial Advisory Board Dr. MANJIT DAS Assistant Professor, Deptt. of Economics, M.C.College, ASSAM Dr. ROLI PRADHAN Maulana Azad National Institute of Technology, BHOPAL Dr. N. KAVITHA Assistant Professor, Department of Management, Mekelle University, ETHIOPIA Prof C. M. MARAN Assistant Professor (Senior), VIT Business School, TAMIL NADU Dr. RAJIV KHOSLA Associate Professor and Head, Chandigarh Business School, MOHALI Dr. S. K. SINGH Asst. Professor, R. D. Foundation Group of Institutions, MODINAGAR Dr. (Mrs.) MANISHA N. PALIWAL Associate Professor, Sinhgad Institute of Management, PUNE A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial Directories
  • 6. www.ijmra.us May 2012 Volume-2, Issue-5 Dr. (Mrs.) ARCHANA ARJUN GHATULE Director, SPSPM, SKN Sinhgad Business School, MAHARASHTRA Dr. NEELAM RANI DHANDA Associate Professor, Department of Commerce, kuk, HARYANA Dr. FARAH NAAZ GAURI Associate Professor, Department of Commerce, Dr. Babasaheb Ambedkar Marathwada University, AURANGABAD Prof. Dr. BADAR ALAM IQBAL Associate Professor, Department of Commerce, Aligarh Muslim University, UP Dr. CH. JAYASANKARAPRASAD Assistant Professor, Dept. of Business Management, Krishna University, A. P., INDIA Technical Advisors Mr. Vishal Verma Lecturer, Department of Computer Science, Ambala, INDIA Mr. Ankit Jain Department of Chemical Engineering, NIT Karnataka, Mangalore, INDIA Mr. Anil Chandra Department of Biotechnology, Indian Institute of Technology Guwahati, Assam, INDIA Prof. Bharati Veerendra Asst. Professor - MCA, K. J. Somaiya's SIMSR,, univeristy of Mumbai, Mumbai, INDIA Mr. Gagandeep Singh Department of Biotechnology, Kurukshetra University, Kurukshetra, INDIA Associate Editors Dr. SANJAY J. BHAYANI Associate Professor ,Department of Business Management, RAJKOT, INDIA MOID UDDIN AHMAD Assistant Professor, Jaipuria Institute of Management, NOIDA Dr. SUNEEL ARORA Assistant Professor, G D Goenka World Institute, Lancaster University, NEW DELHI A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial Directories
  • 7. www.ijmra.us May 2012 Volume-2, Issue-5 Mr. P. PRABHU Assistant Professor, Alagappa University, KARAIKUDI Mr. MANISH KUMAR Assistant Professor, DBIT, Deptt. Of MBA, DEHRADUN Mrs. BABITA VERMA Assistant Professor, Bhilai Institute Of Technology, DURG Ms. MONIKA BHATNAGAR Assistant Professor, Technocrat Institute of Technology, BHOPAL Ms. SUPRIYA RAHEJA Assistant Professor, CSE Department of ITM University, GURGAON A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial Directories