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Michal (year 2011)

c language/genre identification process receives a sequence of words from an inputted document,


and compares each received word to all of the words in all WFTs. Whenever a received word is
found in any WFT, the process adds the word's associated NFO to a current total in the
associated accumulator. In this manner, totals in all accumulators build up into language
discriminating values after a number of words are read from the document. Processing stops
when either the end of the document is reached or when a predetermined number of words are
received; and then the language/genre associated with the accumulator containing total is the
identified language.

J.kamala(year2013)

Describes a process model for processing client requirements, which was developed in
response to the need for an appropriate framework for client requirements processing in
construction. The model, which is represented using the IDEF‐0 modelling method, draws from
requirements processing techniques in manufacturing and requirements engineering, and its
development was based on an iterative process involving practitioners from the construction
industry. Uses an example of a family house project to demonstrate how the model facilitates the
precise definition, analysis and translation of client requirements into solution‐neutral design
specifications. Concludes that the model is of potential benefit to the construction industry in
providing a first step towards client satisfaction.
Vidyasagar (year2012)

The success story of any economy can only be scripted on the basis of sound financial system of
the country. Economic reform process of 1991 had a great impact on the financial system of the
country leading to the overall development of the Indian economy. Today, India’s financial
system is considered to be sound and stable as compared to many other Asian countries where
the financial market is facing many crises. During last one decade or so, role of Indian mutual
funds industry as a significant financial service in financial market has really been noteworthy.
In fact, Mutual funds have emerged as an important segment of financial market of India,
especially as a result of the initiatives taken by the Govt. of India for resolving problems relating
to UTI’s US-64 and to liberalize tax liabilities

R. jayantkale (year 2011)

This article presents an overview of the mutual fund industry in India and the reasons for its poor
penetration, which includes lack of objective research. It benchmarks the industry globally, and
raises key issues regarding the ownership and performance of mutual funds, the sensitivity of
fund flows to performance, and the importance of regulation to its growth, all of which have
been largely under researched in India. It then captures the views of leading practitioners on
these and other issues, including the challenges posed by poor financial literacy, the equity
culture in the country, and the weakly supportive regulato
Vincent glode(year2012)

I propose a parsimonious model that reproduces the negative risk-adjusted perform an model, a
fund manager can generate state-dependent active returns at a disutility. Negative expected
performance and mutual fund investing simultaneously arise in equilibrium because the active
return the fund manager generates positively with a components of the pricing kernel that the
performance measure omits, consistent with recent empirical evidence. Using data on U.S. funds,
I also document new empirical evidence consistent with the model's cross-sectional implications

(year2010)

This paper examines the implications of substitutability of two similar investment vehicles:
conventional index mutual funds and exchange-traded funds (ETFs). It seeks to explain the
coexistence of these vehicle types, which offer a claim on the same underlying index return
process, but have distinctly different organizational structures. This study compares aggregate
fund flows into conventional open-ended index funds to those into ETFs for various underlying
indexes. The study shows that conventional funds and ETFs are substitutes, but not perfect
substitutes for one another. Evidence suggests that the coexistence of both instruments can be
explained by a clientele effect that segregates the two vehicles
Hjh5

We anal the financial performance and investment style of 265 Islamic equity funds from 20
countries. As Islamic funds often have diverse We pursue the first large-scale investigation of a
strongly growing mutual fund type: Islamic funds. Based on an unexplored, survivorship bias-
adjusted investment regions, we develop a (conditional) three-level Car hart model to
simultaneously control for exposure to different national, regional and global equity markets and
investment styles. Consistent with recent evidence for conventional funds, we find Islamic funds
to display superior learning in more developed Islamic financial markets. While Islamic funds
from these markets are competitive to international equity benchmarks, funds from especially
Western nations with less Islamic assets tend to significantly underperform. Islamic funds’
investment style is somewhat tilted towards growth stocks. Funds from predominantly Muslim
economies also show a clear small cap preference. These results are consistent over time and
robust to time varying market exposures and capital market restriction

M savithri (year2013)

Mutual Funds in India are turning into a perfect speculation decision contrasted with safe
ventures, for example, Fixed Deposits and postal which gives relatively low returns. Since the
year 2003 from which the present phase of bull run in the Indian capital markets started, the
shared store industry While the development as far as the AUM was repressed over the period
from 2009-2013, it has picked up exceptional force over the four year period until March 2013.
Mutual funds are vehicles to invest in the securities markets. There are two primary ways to
channel savings into productive investments. This study deals with the origin, growth and
features of mutual funds in India. This empirical study clearly explain the types and benefits of
mutual funds available in India and clearly explain the features available in present
Neeraj(year2010)

The Indian Capital market has been increasing tremendously during the last few years. With the
reforms of economy, reforms of industrial policy, reforms of public sector and reforms of
financial sector, the economy has been opened up and many developments have been taking
place in the Indian money market and capital market. In order to help the small investors, mutual
fund industry has come up to occupy an important place. Mutual funds are a pool of money
collected from many investors and corporate and then invested by fund managers to buy
securities such as stocks and bonds. This requires that the investor studies his needs and
aspirations, identifies a goal that he wants to achieve, and then makes an investment decision.
However, this decision cannot be made on the basis of comparing one fund to another, since
every Mutual Fund invests based on a particular focus. There are Blue-Chip funds which invest
only in big companies with established track records. Besides this, there are Mid Cap Mutual
Funds which invest in medium-sized companies. Similarly, there are sector-based Mutual Funds
such as Information Technology, infrastructure etc. The main objective of this paper is to
examine the importance and growth of mutual funds and evaluate the mutual fund problems and
recommend some measures to make it a successful scheme in India.

Shankar annappindi(year2013)

Since the financial services industry has reached a level of maturity in terms of has been
virtual war for talent among the premier stock broking companies in products and quality of
delivery of services and the advent of foreign players, there India and it is observed that the
need of the hour is to ensure long ‐term association of the employees with the company. It is
necessary to understand how best one can integrate the aspirations of the employees in this
industry with the mission and goals of the organization
Dr satyanarayana(year2012)n9((((9

The Indian Capital market has been increasing tremendously during the last few years. With the
reforms of economy, reforms of industrial policy, reforms of public sector and reforms of
financial sector, the economy has been opened up and many developments have been taking
place in the Indian money market and capital market. In order to help the small investors, mutual
fund industry has come up to money collected from many investors and corporate and then
invested by fund managers to buy securities such as stocks and bonds. This requires that the
investor studies his needs and aspirations, identifies a goal that he wants to achieve, and then
makes an investment decision. However, this decision cannot be made on the basis of comparing
one fund to another, since every Mutual Fund invests based on a particular focus. There are
Blue-Chip funds which invest only in big companies with established track records. Besides this,
there are Mid Cap Mutual Funds which invest in medium-sized companies. Similarly, there
are sector-based Mutual Funds such as Information Technology, infrastructure etc. The main
objective of this paper is to examine the importance and growth of mutual funds and evaluate the
mutual fund

Xin Chen(2011)

We study how product market competition affects the firm’s ownership by international and
domestic investors and its stock performance. We argue that in the presence of local bias
domestic investors tilt their portfolios towards domestic stocks that offer lower exposure to
country-specific risks. Industry concentration mitigates local risks and increases reservation
value of firms operating in concentrated industries for domestic investors. This makes domestic
(foreign) investors more likely to invest in stocks of concentrated (competitive) industries.
Building on the stylized fact that foreign investors exhibit stronger reaction to news events, we
demonstrate that increase in industry sentiment leads to higher stock performance for firms in
concentrated industries, particularly when their foreign ownership is large. Stock prices of firms
in competitive industries also faster incorporate new information.
su(year 2013)

The major focus of the Union Budget for the financial year 2011-12, 2012-13 and 2013-14 was
to achieve the larger aim of the financial inclusion. It focuses on the poor who do not enjoy the
formal financial institutional support and get them out of the clutches of local money lenders.
The branchless banking is an innovative concept where account can be opened and operated
without going to bank branch. The profiles of Business Facilitator and Business Correspondent
have been created so that they can work as the agent of the banks who are directly dealing with
poor villagers. But the circle of financial inclusion cannot be completed unless and until both
awareness as well as participation of rural population will increase in capital market products
along with money market instruments. The objective of the study is to identify the difficulties
that Government of India is facing to implement the concept of financial inclusion.
Simultaneously, this research work will focus on developing the marketing strategies of the
financial instruments to the rural population where a signification portion of the population are
suffering from poverty, inequality, unemployment, illiteracy and superstition. Another dimension
of the study is to develop the investor awareness programs even in remote villages by which
maximum retail participation in capital market can be ensured. Since socio-economically they
are most vulnerable portion of the society so it is the part of ethical, moral and social
responsibility for every stakeholders of the nation so that they can be protected from the risk of
mis-selling by some unscrupulous persons.

Henry N.Schiffman(year2015)
The financial restructuring of enterprises is fundamental to the modernization of the economies
of countries of the former Soviet union (FSU). If the models in the West presage the process that
will be followed in FSU countries, and with the lack of alternative institutions for intermediation
in channeling savings to corporate finance, banks will play a significant role in this process.
Enterprise restructuring can proceed even before privatization as conditions evolve with some
incentives of a private enterprise economy. As the role of banks changes from distribution of
financing under a state plan to one of credit assessment, banks will have access to information
concerning enterprises' financial conditions which will also enhance their ability to perform an
investment banking function in restructuring. The most significant factor which will enable
banks to lead restructurings is their position as the main creditors of large state enterprises, which
will enable banks to gain increased authority in determining whether enterprises will be
financially reorganized or will be liquidated in whole or in part. This will also raise the issue of
potential undue concentration of economic power. The paper describes a typical restructuring
transaction in the West, to determine whether similar transactions could be undertaken by banks
in FSU countries, and examines in some detail the elements needed to be successful. Banks in
FSU countries, as in the West, can arrange financing from different sources to try to ensure that
there is an appropriate capital structure that will meet the new projected cash flow of the
enterprise. Banks' activities in enterprise restructuring raise certain concerns for bank supervisors

Donalee brown (year2011)

The advent and evolution of behavioral finance has brought with it a revolution in the finance industry.
Despite all its resources and infrastructure the investment advisory business often results in frustrating
and ineffective advisor/client relationships. Using the principles of behavioral finance, the current study
explores the psychological concept of individual attachment style and applies it to the relationship
construction between the financial advisor and client. Results provide valuable information to the
financial advisor in detecting and understanding different client characteristics that can help lead to
productive, satisfactory advisor/client relationships

John Beduwoode. (year2014)

Since the financial services industry has reached a level of maturity in terms of products
and quality of delivery of services and the advent of foreign players, there has been virtual
war for talent among the premier stock broking companies in India and it is observed that
the need of the hour is to ensure long‐term association of the employees with the company.
It is necessary to understand how best one can integrate the aspirations of the employees in
this industry with the mission and goals of the organization.

v.jayanat(year2010)

system is provided for educating and training employees and others about their stock options
with an online stock option planner that includes customizable easy-to-use calculators and
modeling tools, easy-to-read customizable content, and an online stock option tracker for
keeping personal records, including option expiration and vesting dates, along with easy-to-
navigate community forms, which together serve as a vehicle by which a user can access
information and personal guidance on stock options and other forms of equity compensation.
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