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[3] Boshoff, C 1997,‘An Experimental study of service recovery options’,I nternational Journal of Service industry Management, vol. 8, no.2,pp. 110-130. [4] Chen, Yu-Fen, Hsiao, Chin-Hui & Lee, Wen-Ching, 2005, ‘How does student satisfaction influence student loyalty – from the relationship marketing perspective’ [5] Hossler, D., & Gallagher, K. (1987). Studying college choice: A three-phase model and the implication for policy makers. College and University, 2, 207–21. [6] Hearn, J. (1984). The relative roles of academic ascribed and socioeconomic characteristics in college destinations. Sociology of Education, 57, 22–30. [7] Hallenbeck, T. R. 1978, ‘College student satisfaction: An indication of institutional vitality’, N.A.S.P.A. Journal, vol.16, no. 2, pp. 19-24. [8] Haque, HM Jahirul; Das, Debashish and Farzana, Riaheen 2011, ‘Satisfaction of student services in tertiary level: perspective Bangladesh’, European Journal of Social Sciences, Vol.19, No. 2,pp. 286. [9] Haque, MS 2004, ‘Quality management issues in business education in Bangladesh: A synoptic review based on Canadian and European papers’, Management Forum 2004 [10] Jamal, Shawkat A. N. M. (2002), Role of Private Universities in Human Resource Development. [11] Jackson, G. (1982). Public efficiency and private choice in higher education. Educational Evaluation and Policy Analysis, 4, 237–47. [12] James, R., Baldwin, G., & McInnis, C. (1999). Which University? The Factors Influencing Choices of Prospective Undergraduates, Evaluation and Investigations Programme. Higher Education Division, Australia. [13] Kau, A.-K., Loh, E. W.-Y. 2006, ‘The effects of service recovery on consumer satisfaction: a comparison between complainants and non-complainants’, Journal of Services Marketing, vol. 20, no. 2, pp. 101-111. [14] Keaveney, SM 1995,‘Customer switching behavior in service industries: an exploratory study’, Journal of Marketing, vol. 59, no. 2, 71-82. [15] Khan, Rezwanul Huque, Mridha, Ali Haider Al Mamun & Barua, Suborna 2009, ‘Higher education in private universities of Bangladesh: a study on female students’ enrollment behavior’, BRAC University Journal, vol.6, no.2, pp. 33-48. [16] Majid, A. K. M. S., Mamun, M. J. and Siddique, S. R.(2000). “Practices of Teaching Methods, Aids and Students’Performance Evaluation”.Private University Act, 1992 (Amended 1998) Section-2, Subsection-(g). [17] Ralph G. Lewis, Douglas H. Smith (1994). Total Quality in Higher Education, St. Lucie Press, 1994. [17] St. John, E. P. (1991). The impact of student financial aid: A review of recent research. Journal of Student Financial Aid, 21, 18–32. [18] Salahuddin et al. (2008) “How can we increase the quality of private schools in Bangladesh from the perspectives of students and managers?”, International Journal of Management Perspectives, ISSN: 1307-1629, 2008, 2(1), 2008. [19] Tierney, M. L. (1983). Student college choice sets: Toward an empirical characterization. Research in Higher Education, 18(3), 271–284. www.theinternationaljournal.org > RJEBS: Volume: 02, Number: 08, June-2013 Page 38
Prepaid Visa Debit Cards of United Bank Limited Dr. Rukhsar Ahmed Professor & Dean Preston University & Dr. Imam ud Din Assistant Professor University of Balochistan, Quetta. Karachi. Abstract Prepaid Visa Debit Cards enable a user to enjoy the convenience of a credit card without going through the hassles of credit worthiness evaluations by banks. As the name suggests, this sort of card can be obtained by paying a minimum amount to a bank offering the service; the bank issues a card that can be used as plastic money. This card can be reloaded at any time and gives the user access to the funds that he has already loaded. There are two companies that provide electronic payment settlement services globally: Master and Visa. If the prepaid card is linked to the Visa Company’s settlement process it is known as Visa Debit Card. Keywords: Debit Cards, Prepaid Cards, Bank Visa Cards, UBL Cards, Bank Services. Introduction UBL Wiz is Pakistan’s first ever Prepaid VISA Debit Card that provides the convenience, security and benefits of an ATM and Debit Card, locally and internationally 1 . The card was launched in August 2008 and has quickly gained popularity; following are some interesting stats related to the card 2 : • A base of over 150,000 cards in the market. • Out of the total card base, almost 50% are traveller category card. • Over 85% of the transactions being carried out on the Wiz card are on the internet. The need for a Foreign Currency Card Presently, the customers have to face significant currency exchange charges when using the card abroad; thus, the card user faces a loss of around 2.5% of the transaction value due to these charges. “To effectively counter the adverse rate regime, UBL is planning to launch an FCY prepaid card that will enable cardholders to withdraw funds and conduct transactions without any currency conversion charges or exchange rate fluctuations. The card will be a standard prepaid VISA debit card and available in four denominations (USD, Euros, Saudi Riyal, and GBP) and a customer will be able to purchase the same from all UBL Online branches (initially, only through FCY dealing branches), either by getting PKR converted through the bank and purchasing a card of his/her choice denomination, or submitting FCY to purchase the FCY card (in the same currency). Since the card will be denominated in foreign currency, the exchange rate will be locked in at the time the card is loaded” 3 . 1 (UBL, 2011) 2 (UBL, 2011) 3 (UBL, 2011) www.theinternationaljournal.org > RJEBS: Volume: 02, Number: 08, June-2013 Page 39
Page 2 and 3: Table of Contents Articles STUDY ON
Page 4 and 5: vantage of aligning the sales techn
Page 6 and 7: 4. RESULTS AND DISCUSSION 4.1 DEMOG
Page 8 and 9: level. Young consumers who fall in
Page 10 and 11: 13. Hiu A, Siu N, Wang C, Chang L.
Page 12 and 13: asic information about the MGNREGA.
Page 14 and 15: The MGNREG act rightly pointed out
Page 16 and 17: H.S.C 01 (5.26) 02 (6.45) 01 (6.25)
Page 18 and 19: H.S.C 03 - 02 - 02 - 7 - 07 (4.66)
Page 20 and 21: Blue Ocean Strategy and the dynamic
Page 22 and 23: The market positioning concept was
Page 24 and 25: Figure 1 The Value Innovation Proce
Page 26 and 27: The “dynamic strategy” model is
Page 28 and 29: Importance of technology, innovatio
Page 30 and 31: 4.6 Question: Do you think a consta
Page 32 and 33: introduced. Every innovation; telev
Page 34 and 35: Porter, ME (1980) Competitive Strat
Page 36 and 37: possible alternative techniques, th
Page 38 and 39: 0.5. So the factor analysis may be
Page 42 and 43: Industry Life Cycle Curve: The Wiz-
Page 44 and 45: Segmenting the Market Geographic: T
Page 46 and 47: The basic objective of WTO were: Tr
Page 48 and 49: the application of intellectual pro
Page 50 and 51: Under The US Endangered Species Act
Page 52 and 53: organization is one continued failu
Page 54 and 55: 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
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Fig.No.4: Shows the preference towa
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perception towards quality of McDon
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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 106 and 107:
Ing. Vysya and Karnataka bank, arri
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E20 .891 E21 .876 E22 .395 Extracti
Page 110 and 111:
Brown T J and Churchill, G A and et
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