IMPACT : International Journal of Research in Business Management

Number 6-5, 2018

1-16
An Empirical Study on Factors Influencing Retailer’s Behaviour Towards Glucose Biscuit Segment

Authors: Dhananjay Beura & Amit Kumar Jena

Abstract

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Number of views: 872

The biscuit segment in India is going through a transformation and the consumer behavior is shifting from economy glucose biscuit to premium grain biscuit segment. There is tremendous pressure on the bottom line of the glucose biscuit segment as per the Industrial experts. So the retailer’s behavior is also shifting, looking at the thin margin in the glucose biscuit segment. This research paper is prepared to identify the effects of marketing mix strategy on retailer’s behavior towards glucose biscuit segment. In this paper, authors collect the data through a primary source from 50 respondents and attempts to highlight the impact P’s on retailer’s behavior. The literature explores topics such as pricing, Promotion strategy, Brand Identity, nutritional value and other factors related to retailers behavior for making the products available. This article reviews various research studies on Retailer’s Behavior and factors related towards Glucose Biscuit. The literature review has been based on a variety of studies ranging from phenomenal studies to articles focused on the aspect of Retailer’s Behavior and related attributes identified for the study. To check the reliability, exploratory factor analysis was applied and various suggestions have been recommended. Considering the above objective the research was conducted by designing a structure of questionnaires and survey was done to find out the feedbacks of retailers. The factors extracted fromin the research are Place, Product, Brand Identity and Packaging is found to be highly significant in influencing retailer’s behaviors through multiple regression analysis. Price and Promotion is not highly significant in this study.

17-30
The Effect of Interest Rate Regulation On Credit Extension to SMEs in Nigeria

Authors: Olatunji, Toyin E., & Ibukun-Falayi, Owoola R

Abstract

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Number of views: 772

This study assessed the effects of interest rate regulation on credit administration SMEs in Nigeria in a twenty-year period (1994-2013). To accomplish this, the trends of interest rate and credits to SMEs were analyzed to determine the relationship between interest regulation and credit administration; then, the extent to which interest rate influences credits extended to SMEs and the nature of the effects were evaluated. Secondary data obtained from CBN statistical bulletins were employed for the study, which showed the average interest rates for the period of study. It also showed the trend of loans extended to SMEs. There was a positive, but weak correlation (9%) between both variables. Furthermore, the R2 (0.8%) is indicative of how little the independent variable explained the changes in -dependent variable, thus interest rate regulation did not singly influence credit administration to SMEs. It was concluded that interest rate regulation did not have the significant effect on credit administration to SMEs, rather in concert with other determinants of credit administration (like inflation, access to credits, foreign exchange rate volatility, etc), it could have a strong positive effect. The study, therefore, recommended among other things that interest rate should be complemented with effective credit guarantee scheme, subsidized interest rates, and adequate financial education.