Identification of Factor Affecting Market Offerings in Microbusiness: Case of India
Surender Mor and Sonu Madan

Abstract
The interplay of market offering and business activities have been investigated for in microbusiness in India using multinomial logistics regression the year 2016. The findings indicate that the likelihood of offering unique products is comprehensively higher in newly firms, firms engaged in manufacturing and the firms offering diversified products/services. The results are consistent with the notion the enterprises offering unique products/services tend to be more (twice) profitable when compared to enterprises offering of close substitute products. The study revealed that the likelihood of offering a far/distant product is more in the enterprises engaged in manufacturing segment compared to microbusiness engaged in services and trading. Moreover, the chances of offering a far/distant product are higher in male operated microbusiness when compared to business managed by females. On the same lines, trading enterprises have been found with a high probability of offering a distant product as compared to services enterprises. The findings further pinpoint that the micro entrepreneurs exploring new markets for boosting sale and operating in services sectors are less likely to offers a far/distant product as compared to the enterprises offering close products/services in trading enterprises.
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Major Issues related to Mutual Fund Investment by Retail Investors
Siby Joseph K, M. A Joseph

Abstract
Retail investors face a number of problems while investing in mutual funds. Mutual funds are becoming a very popular form of investment characterized by many advantages that they share with other forms of investments and what they possess uniquely themselves.The study was done among the retail investors of Kerala to identify the issues related to mutual fund investment and also to find out whether there is any significant relationship between demographic factors and issues towards mutual fund investment. The major issues identified were complexity, non-performance and management issues. In addition research also analysed the significance of different demographic factors and its impaction mutual funds. Based on the sample responds, it is found that demographic factors such as age, zone, occupation and annual saving play a significant role related to issues to mutual fund investments. The research can help the Asset Management Companies to understand the issues of investors towards mutual fund investments and can take better corrective measures to attract more investors.
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The Impact of Competency Framework on Job Performance of Employees in Pharmaceutical Sector in Kerala Context
Babu Michael

Abstract
A competency framework is a model that broadly defines the blueprint for ‘excellent’ performance within an organization or sector. The framework will consist of a number of competencies, which can be generically applied to a broad number of roles within the organization. Each of these competencies is then defined in a way that makes them relevant to the organization or sector, using language that is clear enough to ensure that everyone has a common understanding of what ‘excellent’ job behavior looks like within the generic context. Competency Framework provides an excellent foundation for integrating all HR processes around selection, retention, development and career transition.
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