In the global knowledge economy of today, academic and business R&D organizations are facing increased turbulence and complexity in their work environment. This study focused on 32 top managers in leading hi-tech, knowledge-based organizations in Bangalore, drawn both from corporate as well as academic world. The purpose of this study was to investigate how the CEO’s and Directors of these "knowledge citadels" look at productivity and innovation, in the years and decades to follow. Overall this paper presents the major findings of this survey study, concentrating on managerial implications at both the management level, as well as the organizing level.

THE DIGITAL DIVIDE
Ihssan Alkadi, Ghassan Alkadi

Today in our society, there are two obvious groups of people: one who are able to effectively use technology, and secondly who are not. Many articles and reports call these groups the "haves" and "have-nots." Unfortunately, a large proportion of the population in the United States does not have the technological abilities that have become essential in our day to day lives. We call this partitioning of our society the Digital Divide. Because of the increasing amount of technology that is becoming a part of our society and the complexity of IT, many people are not able to keep up with the changing world. Many people have been left behind and will never be able to benefit from the advantages that today’s technology offers. This paper is an insight of getting more description in a very lucid style.

BUSINESS TRANSITION: CRAFTING STRATEGY FOR EMPLOYMENT GENERATION
Saghir Ahmad Ansari, Valeed Ahmad Ansari

The paper discusses the employment scenario in post reform era. It examines the sectoral growth of employment and the contributions of public, private, organized and unorganized sectors in this regard. It finds that achievement has fallen well short of targets and elasticity of job creation to growth has declined during reform period. It also asses the performance and prospects of tenth five year plan to attain stated objectives and notes that all is not rosy in terms of job creation. The paper suggests measures to build and sustain competitiveness in manufacturing sector to accelerate employment generation. The paper concludes by emphasizes that a reversal and change in mindset in policy framework is warranted to have any dent on employment front.

BUSINESS DYNAMICS –A CORE AND ALTERNATIVE TECHNOLOGIES IN CAR AIR-CONDITIONING SECTOR UNDER MONTREAL PROTOCOL: AN INDIAN PERSPECTIVE
M N Karimi, Haleem Abid

In the present work an analysis of critical parameters for implementation of alternative refrigerant technology in Car Air-conditioning has been studied and recommended under Montreal Protocol. The modified idea behind is to highlight on the parameters selected from the respondents based on experts and pioneers of the field. The other parametric approach was on the selection of response strategies based on the methodology of Interpretive Structural modeling (ISM). The structure questions were based on closed type and the communication medium through personal interview & email. About 10 respondents were selected from researchers and various experts from car air-conditioning industry of various positions in their department in India. The result obtained from the respondent is incorporated along with the fact that the economic growth of Indian RAC sector and Indian Research and Development (R&D) division in MVACS-how is getting influenced and used as alternative means, a diagnostic studies is followed.

DYNAMICS OF CREDIT CARD SYSTEM:
A CORE BUSINESS APPROACH IN TODAY’S BANKERS
Naliniprava Tripathy, Saraju Prasad

During the last one decade, there has been an exponential growth in the credit cards issuance and usage among the people. Today the credit card segment is highly competitive with almost all the banks offering credit cards in association with international or master card. Every bank is trying to gain a market share with aggressive promotional activities and additional value-added services. The present study investigates the factors that are essential in influencing the decision-making styles of mid-age family of eastern India. For this purpose, Factor analysis which is the most appropriate multi-variant technique has been used to identify the groups of determinants. Factor analysis identifies common dimensions of factors from the observed variables that link together the seemingly unrelated variables and provides insight into the underlying structure of the data. This study gives an insight to lure customers towards credit.

ICT SYSTEM: A CORE COMPETENCE IN DECISION-MAKING PROCESS
Subhodh Kesharwani

The earlier decade has eyewitness an explosion in projects that pertain to Information and Communication Technologies (ICT) to support socio-economic development. Every segment is implicated - governments, academia, undersized start-ups, hefty corporations, inter-governmental organizations, and non-profits and non-governmental enterprises. In spite of the fabulous energy and resources behind these projects, scientifically sound research in this juncture is just beginning to emerge. What is the authentic impact of ICT projects? Whether new-fangled technology is imperative to assemble development needs? What methodologies escort to success or failure of a project? Accomplishing the objective is contingent on maximizing the effectiveness of guidelines enlargement and program delivery, planning and budgetary arrangements, decision-making processes, organizational structures, and workplace relations and people management. To a large level reform has been embark in these areas and noteworthy gains have been achieved. Increasingly ICT plays an imperative role in determining the excellence and user-friendliness of services. In this article emphasis will be to add-on knowledge, become skilled about the ICT apparatus and applications obtainable for divergent enterprises in managing the necessity. The author explore and examine that how neighbouring and application can be broaden and distinguish pertaining to ICT tools and applications.

WOMEN ENTREPRENEURS IN PERSONAL CARE INDUSTRY:
AN EXPLORATORY STUDY OF THE CRITICAL SUCCESS FACTORS
K Chitra

The paper aims to understand and promote the women entrepreneurs in general and particularly the women entrepreneurs in personal care industry. The study assumes the characteristics of both descriptive and exploratory research. Primary data are collected from thirty five women entrepreneurs identified on the basis of convenience. The scope of the study is confined to beauty parlours operated in Coimbatore city. The study brings to light the profile of women entrepreneurs, profile of the unit, factors influencing entrepreneurship, critical success factors and the problems of women entrepreneurs. Further the paper attempts to explore the relationship between select demographic variables and critical success factors and the problems.

TOTAL QUALITY MANAGEMENT AND HEALTH CARE SYSTEM
Hanumant Sharma

Quality in doctor’s services, quality in hospital care and quality in nursing homes have a prime concern of all facets of society. In the last centuries the healthcare system has been spectacularly successful in increasing the human life span. Main reason for this is setting up of numerous quality controls on a wide variety of activities, products and systems, all relating to human health. In the present environment the need is to shift the medical paradigm away from the traditional perception that the accepted standards is just to deliver healthcare in a scientific and caring manner. The present paper outlines how to bring about this shift in the health care organizations. It shall enable to understand the factors that influence quality in the healthcare system. It shall also help to design a quality improvement programs for health care units. The study is conducted in selected units in NCR, Delhi and in no way reflects the complete health care industry.

Market recognizes that new global scenario poses unprecedented challenges for the organizations. Organizations can no longer continue the old model for their existence. Rather organizations require a major investment to make human resource productive. Responding to these emerging needs of customer and survival the organizations have a crucial role to play in promoting quality. Organizations must make an impact if they have to retain their legitimacy and capture market share. It seeks to do so by a new emphasis on quality based processes and products among various‘ techniques Six Sigma. As now a days it is viewed that it widely followed through quality improvement technique. Six Sigma attempts to improve quality through DMAIC and by analyzing DPMO. Most of the Organizations apply Six sigma as production improvement technique and very few apply it in other areas. In this article we will try to focus the applicability of Six sigma in the field of Human Resources.

THE MYTH OF PRIMARY MARKET
Amarjeet Singh Khalsa

This paper is an attempt to throw some light on the actual returns generated through investing in the Primary market. As it is fact that the investor in the Primary market invests with two basic kinds of returns. One is in the form of the dividend declared by the company yearly and the other is to earn in the form of capital gains. In the present paper, an attempt has been made to focus on the motive which has been fulfilled by the investments made in the Primary market. The topic chosen, to see its accuracy and authenticity in the Primary market and also it is felt much strong, in the corporate sector, finds ample opportunities to make the investment plans. Hence it becomes very important to explore the reasons behind the investments being made in the primary market by the retail investor i.e. Capital Gains or the Dividend expectation. Overall this paper focuses on the Returns generated through the dividend how is being declared by the companies. Factual prepositional trends with projections methods each aspect has been discussed.