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1. Information Systems Requirement: From the Analytical Approach to the Construction of a Representation 1 Bernard Fallery Florence Rodhain 2. Financial Innovation Leads to Financial Inclusion: The Case of Sub-prime Lending 21 Faiz Mohammad, Javed Ghaffar, SaifSami, Dr. Valeed A. Ansari 3. Human Resources Training and Excellence of Universities 33 Mehdi Shariatmadari, Somayeh Mahdi 4. Globalization and the Revolutionary Cultural Change Imperative of African Organizations 53 Constantine, Imafidon, Tongo 5. Implication of Balanced Scorecard on Customer Perspective in Service Organisations with special reference to Audit Firms 67 Dr.S. Usha Nandhini, TM. Venkateswaran 6. Can IT Act as a Catalyst in Development of SMEs? 77 Navneet U Dubey 7. Study of Adverse Events-effective in Adoption of Agricultural Products Insurance: A Case Study of Kurdistan, Iran, Dec. 2007 95 Er.Abdolali Bahrami, Behrooz Shahmoradi 8. An Interactive Possibilistic Linear Programming Approach For Multiple Objective Transportation Problems 103 Dr. Celal Hakan Kagnicioglu 9. Role of Anxiety in Employee Burnout 119 M. Vasuki 10. Innovative Quality Circle for Quality Assurance: A case study at GFT Technologies (India) Pvt. Ltd. 131 R. Neil Samson, Dr. S.R. Devadasan, S. Vinodh 11. Social Sensitivity of Management Students - An Empirical study on the Effectiveness of Intervention Programmes 155 Manoj Mathew, Sam Thomas, James T Antony 12. Effectiveness of Celebrity and Non-celebrity Print Advertisements on College Students in Erode Town (T.N.) 169 C. Ranganayaki, Dr. S. Sankaranarayanan 13. Rural Retailing: is Rural Mall Feasible in Puri District? 185 Balavishwakumar.S, Mainak Das, Naveen Urmese, Satya Sudipta Padhiary 14. A Study on Health of Women in IT/ITES Sector 197 Ms. Shanthi Nachiappan, Dr.B.Dharmalingam 15. Sensory Branding for Sensible Differentiation in the Marketplace 207 S. Victor Anandkumar 16. Business Policy and Strategic Management at Bhagwanpura Mills -A Case Study 219 Dr. Solai Baskaran, Dr. Rekha Arunkumar 17. Entrepreneurship Development and Family Business-A Study in Export Oriented Match Units in Sivakasi 231 Dr M. Jeyarathnam, B.Maheswari 18. A Model to Resolve Supply Chain Constraints in Indian Ports 247 Harish PK Sujay Kumar S 19. Learning Dynamics in Organizational Transformation: A Multi-dimensional Study of Strategic Change and Knowledge Innovation 265 Abdul Majid 20. Fun and Laughter - An Indispensable Element for Work-place Happiness 275 KSangeetha 21. The Lake Woebegone Syndrome - Its all Pervasiveness 289 Dr. G. Prageetha Raju