Research Journal of Economics & Business Studies - RJEBS - The ...

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Ing. Vysya and Karnataka bank, arriving to the banks from 10-30 A.M to 5.00 A. M from Monday to Friday and from 10-30 A.M to 5.00 A. M on Saturday are collected. Data Analysis, Findings and Discussion It is very important to categorize the respondent’s demographic profile because it gives a broad picture and helps bankers to analyze the demographic factors which influence and are associated with satisfaction level. 60.8 percent of the respondents are males and 39.2 percent of the respondents are females.23 percent of the respondents are below 35 years age, 47, 30 percent of the respondents are 35 to 55 year and above 55 years respectively. 70.4 percent of the respondents are from urban and 29.6percent from rural.19.8 percent of the respondents have studied up to 7 th standard, 63.2 percent of the respondents have education between 7 th standard to PUC, 36.8 percent of the respondents are graduates and above. 23.6 percent of the respondents have annual income of less than 1 lakh, 64.2 percent of the respondents have annual income between 1 to 5 lakh and 35.8 percent of the respondents have annual income of more than 5 lakh. 15.2 percent of the respondents are employees, 50.6 percent of the respondents are businessman and others accounts for 34.2 percent. The important service quality factors are identified using twenty two variables/attributes of service quality with factor analysis. Before conducting factor analysis, validity of data for factor analysis is examined with the help of Kaiser-Meyer-Olkin measure of sampling adequacy and Bartletts test of sphericity. The KMO measure of sampling adequacy (0.649) reported in table 1 is greater than the minimum required (Nunnally, 1978). The Chi-square is significant even at zero level. These two confirm the validity of data for factor analysis. The factor analysis results in five factors known as service quality dimensions. These are termed as Tangibles (E 6 to E 10 ), Reliability (E 17 to E 22 ), Responsiveness (E 1 to E 5 ), Assurance (E 11 to E 14 ) and Empathy (E 15 to E 16 ). These five factors account for 72.6% of variance given in table 3. Table1 Demographic Profile of Respondents S. No Characteristics Numbers Percentage 1 Gender Male Female Total 304 196 500 60.80 39.20 100 2 Age (years) Below 35 35 to 55 Above 56 Total 3 Nativity Urban Rural Total 4 Education Below 7 th standard 7 th std to PUC Degree and above Total 5 Annual income (Rs.) Below 1 lakh 1 to 5 Lakh Above 5 Lakh Total 6 Occupation Employee Business Others Total 115 235 150 500 352 148 500 99 217 184 500 118 203 179 500 76 253 171 500 23.00 47.00 30.00 100 70.40 29.60 100 19.8 63,2 36.8 100 23.60 40.60 35.80 100 15.20 50.60 34.20 100 www.theinternationaljournal.org > RJEBS: Volume: 02, Number: 08, June-2013 Page 104
Table 2 KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .649 Bartlett's Test of Sphericity Approx. Chi-Square 10651.056 Degree of freedom 231.000 Significance. .000 The factor loading of the variables is reported in table 4. The reliability is tested using coefficient alpha (Cronbach, 1951). On analysis the alpha values are found greater than (0.7), the cut off recommended by Nunnally (1978). Hence the reliability analysis predicted the trustworthiness of the data obtained from the questionnaire Factor Table 3 Total Variance Explained Initial Eigen values Extraction Sums of Squared Loadings Total % of Variance Cumulative % Total % of Variance Cumulative % 1 5.685 25.843 25.843 5.444 24.744 24.744 2 4.589 20.858 46.701 4.390 19.957 44.701 3 2.678 12.172 58.873 2.206 10.025 54.726 4 1.590 7.229 66.102 1.320 6.001 60.726 5 1.431 6.504 72.606 .976 4.436 65.162 Extraction Method: Principal Axis factoring Variables Table 4 Rotated Factor Matrix a Factor 1 2 3 4 5 E1 .590 E2 .512 E3 .838 E4 .657 E5 .580 E6 .849 E7 .894 E8 .907 E9 .873 E10 .867 E11 .477 E12 .548 E13 .732 E14 .952 E15 .678 E16 .669 E17 .899 E18 .931 E19 .929 www.theinternationaljournal.org > RJEBS: Volume: 02, Number: 08, June-2013 Page 105
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Table of Contents Articles STUDY ON
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vantage of aligning the sales techn
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4. RESULTS AND DISCUSSION 4.1 DEMOG
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level. Young consumers who fall in
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13. Hiu A, Siu N, Wang C, Chang L.
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asic information about the MGNREGA.
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The MGNREG act rightly pointed out
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H.S.C 01 (5.26) 02 (6.45) 01 (6.25)
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H.S.C 03 - 02 - 02 - 7 - 07 (4.66)
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Blue Ocean Strategy and the dynamic
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The market positioning concept was
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Figure 1 The Value Innovation Proce
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The “dynamic strategy” model is
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Importance of technology, innovatio
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4.6 Question: Do you think a consta
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introduced. Every innovation; telev
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Porter, ME (1980) Competitive Strat
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possible alternative techniques, th
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0.5. So the factor analysis may be
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[3] Boshoff, C 1997,‘An Experimen
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Industry Life Cycle Curve: The Wiz-
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Segmenting the Market Geographic: T
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The basic objective of WTO were: Tr
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the application of intellectual pro
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Under The US Endangered Species Act
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organization is one continued failu
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upwardly through international coor
Page 56 and 57: Public Distribution System and its
Page 58 and 59: Compone nt Tota l Table 2 Service Q
Page 60 and 61: Table 3 Satisfaction of PDS functio
Page 62 and 63: Table 7 Correlation - Adequate Quot
Page 64 and 65: education and across the business s
Page 66 and 67: Fig. 1: Model for Management Educat
Page 68 and 69: forms of competition from those tha
Page 70 and 71: Kohn. A. (1986) No Contest: The Cas
Page 72 and 73: weaknesses in the context of the cu
Page 74 and 75: therefore the investments need a co
Page 76 and 77: developed by NHCC. In fact, the pos
Page 78 and 79: Table 3: The SWOT Matrix for NHCC O
Page 80 and 81: A Comparative Study of Gross NPA of
Page 82 and 83: 3.2 Priority Sector advances Priori
Page 84 and 85: 3.1 Bank-wise NPA in 2009 (Amount i
Page 86 and 87: 3.3 Bank-wise NPA in 2011 (Amount i
Page 88 and 89: 5) Conclusion: The level of NPAs in
Page 90 and 91: million customers in 118 countries
Page 92 and 93: The Big Mac concept is very popular
Page 94 and 95: Indian farmers. "Ask McDonald's abo
Page 96 and 97: Fig.No.4: Shows the preference towa
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Page 100 and 101: Zone of Tolerence for the Banks: Ex
Page 102 and 103: Customer Satisfaction Kotler and Ar
Page 104 and 105: The service quality attributes are
Page 108 and 109: E20 .891 E21 .876 E22 .395 Extracti
Page 110 and 111: Brown T J and Churchill, G A and et
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