IOSR-JBM   Volume-7 ~ Issue-2 ~ Jan-Feb-2013

Abstract:The Life Insurance Corporation (LIC) was incorporated in India in 1956 by nationalization of private insurance companies functioning in the country. LIC is statutorily required to invest 25 per cent of its annual accretion of its controlled funds in socially oriented schemes including housing in addition to subscribing to the bonds/debentures floated by State Housing Boards, HUDCO, etc. LIC has been granting loans right from its inception. With the announcement of National Housing Policy in 1987 and the subsequent setting up of National Housing Bank, LIC set up LIC Housing Finance Limited (LICHFL) on 19th July, 1989 under the Companies Act, 1956. The company went public in the year 1994. The company is the second largest housing finance company in the country after HDFC. Almost 93 per cent of the company's loans are to retail customers and the balance 7 per cent to project developers. In the present paper, a survey of 100 respondents has been conducted to examine and compare their opinion regarding the functioning of LIC Housing Finance Ltd. in Bathinda. An attempt has been made to examine the extent to which LIC Housing Finance Ltd. has catered to the needs of the people.
Keywords: Housing Finance, LICHFL, Performance, Chi-square, Loans.

[1] Annual Reports of LICHFL for the year 2003-04 to 2011-12
[2] Gupta, S.P. "Statistical Methods", Sultan Chand and Sons Educational Publishers, New Delhi (2002), pp. 953-1002.

Abstract: The research is based on the phenomenon of an International-Scale State-Owned Enterprises by implementing Modern HRM operating at the city of Bitung, North Sulawesi province. It is interesting to study how far the work motivation, leadership style of learning organization as fundamental variables and organizational commitment as mediation in influencing the employees performance of this company. Overall, the goal of development in the field of HR in companies today is the achievement of the quality of human resources and the people of Indonesia are developed in an atmosphere of peace and happiness.
Keywords: Work Motivation, leadership style, learning organization, organizational commitment, employee performance

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Abstract: The main objective of this study is to examine the influence of service quality dimensions on customer overall satisfaction. This study posits and develops an instrument of service quality and examines the relationship between perceived service quality dimensions and customer overall satisfaction. The results shows that the most important service quality practice on customer satisfaction is responsiveness as it is perceived as a dominant service quality. The results reveal that the service quality dimensions of tangibles, responsiveness, reliability and assurance are positively and significantly influencing the customers overall satisfaction, while the empathy is negatively and significantly influencing the customers overall satisfaction. Thus, this present research concluded that service quality is the basic and also most important factor that influences the overall customer satisfaction. This finding reinforces the need for banks managers to place an emphasis on the underlying dimensions of service quality especially on responsiveness and should start with improving service quality in order to raise overall customer satisfaction.
Keywords: Customer Satisfaction, New Private Sector Banks, Service Quality.

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1(12): 98-113.
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