This research aims to study the behavior of using debit card and the quality perceiving on using debit card of the consumer in Songkhla province. Questionnaires were used for data collection by purposive sampling and equally distributed to 303 consumers who held at least 1 debit card and used it 3 months before the study. The collected data was analyzed using the descriptive statistics; frequency and percentage, and the inferential statistics; Pearson chi-square at the .05 level of statistics significance.

            This research found that the demographic characters of the consumers were female, between 21-30 years old, and held bachelor degree. Two-third of consumers were students, government and company officers. More than half of them earned 5,001 – 15,000 baht per month. The research also found that the consumers had only 1 debit card and most of them were Visa type. Most of their debit cards were issued by Bangkok Bank. They owned debit card for 1-2 years. Ratio of withdraw to payment is 40:60. They used debit card for withdrawing 2-3 times a month and 1,001 – 3,000 baht each time. They used debit card for expense 2-3 times a month and 500 – 1,000 baht each time. They frequently used their debit card at department store and paid for their infrastructures. Debit card made a little change on their expense behavior especially in food and drink consumption. This research also found that most of consumers well perceived on the service quality in all dimension of tangible, reliability, responsiveness, assurance, and empathy. This research found that service marketing mixes influenced on using debit card behavior are debit card, promotion, process, physical evidences, and productivity and quality control. The research also found that all service marketing mix influenced on quality perceiving on using debit card. The information from this research is beneficial to set debit card marketing mix strategy policy to stimulate consumer behavior on using debit card.

As middle class and fixed income group in Bangladesh are not solvent enough to pay the price of an essential product (TV, fridge etc.) at a time from their savings. They need consumer credit to buy these products for doing their lifestyle activities. The purpose of the study is to identify the consumer credit impacts on lifestyle activities of consumers of Bangladesh. 576 respondents in a survey were asked to rate the importance of 15 lifestyle activities variables related to consumer credit. These data were tested via factor analysis (the principal components method with varimax rotation) by using SPSS program. The results show that people borrow money to buy household goods to do their work, entertainment activities and social activities. The thesis will make contribution to our understanding that people need consumer credit to facilitate their lifestyle activities.

This paper gives a detailed analysis on Chinese automobile industry under the condition of financial crisis and then conducts a research of the motivations of transnational investment of Chinese automobile industry and the challenges it is facing in depth, coming to the conclusion that it is advisable for them to push forward transnational investment. However, because of many restraining factors, there are a lot of challenges in the transnational investment of Chinese automobile industry. According to the analysis, the paper puts forward some suggestions.

The asset management business is one of most potential business development directions for foreign and domestic
Investment banks. The foreign asset management business has accumulated many key successful factors in many
aspects such as market competition, professional investment and management. At present, the policy supervision space
of domestic Investment banks’ asset management business is being opened, and the competition situation is turning
from the asset management product homogenization mode to the value difference mode, and in future, three kinds of
ability construction including product design, sales management investment management should be strengthened to form their core competitive advantages to fulfill the market tendency with increasing individualization, capital market integration and product configuration globalization.

The main objectives of this study are to review on current public relations (PR) contributions to corporate social
responsibility (CSR) programs, and also to review the current CSR activities applied in Malaysia. Numbers of research
have been done on PR and CSR (examples Freeman, 1984; Grunig and Hunt, 1984; Hooghiemstra, 2000; Cutlip et. al,
2006; Golob and Barlett, 2007; Harrison, 2007; and Argenti, 2007), and also impacts on the business (examples Cannon,
1992; Gray et al., 1995; Woodward et. al, 1996; Johnson & Johnson, 2000; Volkswagen AG, 2000; Doane, 2002; Abdul
Rashid and Ibrahim, 2002; Van der Laan, 2004; Orlizty et. al, 2004; Kotler and Lee, 2005; Savitz and Weber, 2006;
Porter and Kramer, 2006; Golob and Bartlett, 2007; and Janggu et. al, 2007). The objectives of the application of PR
and CSR mainly related to “social responsibility of business which is encompasses the economic, legal, ethical and
discretionary expectations that society has of organisations at a given point of time” (Carroll, 1979). The concept of PR
and CSR are also concern for society, communities, environment, employees and ethics. CSR attracted great attention of the government, public-listed and private companies in Malaysia. This can be seen from various governmental and non-governmental efforts in creating awareness and provide initiatives to public listed and private companies to align their business objectives with CSR concerns (example The Malaysia Institute of Integrity (IIM), The Institute of Corporate Social Responsibility Malaysia (ICRM), Sahabat Alam Malaysia, and Federation of Malaysian Consumers Association and Consumers Association of Penang).

The objective of this research is to explore the acceptance of unethical consumption activities of young Malaysian
consumer in regards to gender, exposure to ethics education and the amount of allowances received per month. The
specific focus on the young consumers is taken into account as this group has been a growing population of consumers
in Malaysia with many forms of advertising, promotions and marketing strategies targeted at them. In this study, the
sample was drawn from undergraduate students from a private university in Malaysia. The results indicated that female consumers were more ethical in two of the four dimensions of consumer ethical beliefs. Furthermore those who have not taken ethics course were found to be more ethical in at least two of the dimensions of the consumer ethical scale. Finally the quantum of allowance received per month did not influence the level of consumer ethical beliefs in all the four dimensions of consumer ethics.

Purposes of the insight study of consumer life-styles and purchasing behaviors in Songkla province, Thailand” were: 1)
to understand consumer life-styles and purchasing behaviors; 2) to determine the factors affecting consumer life-styles
and purchasing behaviors; and 3) to examine consumer attitudes among traditional and modern trade channels. The data were collected through self-administered questionnaires among a sample of 300 consumers in Songkla province.
Descriptive and inferential statistics, composed of frequency, percentage, t-test, and multiple regression, were used in
the data analysis. The results indicated that consumer life-styles oriented in outgoing, dependent in decision making,
economically conscious, necessity and convenience concern. The purchasing behaviors were focus on product variety,
facility & service, outlet location, pricing, product quality, refreshment of product and product modernity. At a 0.05
statistically significant level, demographic and socio-economic characteristics affecting consumer life-styles and
purchasing behaviors. There were discernable consumers’ attitudinal differences between traditional and modern trade
channels.

The present endeavor explores relationship between producer and consumer price indices by employing new techniques.
We have utilized the time series monthly (1992M1-2007M6) data while ARDL Bounds Testing and Johanson Cointegration Approach is used to determine the long run association and robustness of long run results. Toda & Yamamato (1995) and Variance Decomposition for causal rapport between producer and consumer prices are applied. DF-GLS & Ng-Perron Tests are also applied to inquire the order of integration for running variables.
Results have verified the existence of long run relationship between producer and consumer prices, and their association
is robust in long span of time in the case of small developing economy like Pakistan. Causal results through Toda and
Yamamato’s (1995) technique asserts that there is two-way causality but it is stronger from producer to consumer prices
and same with Variance Decomposition Method. Finally Feed back impacts show that feedback influence from PPI to
CPI is stronger or dominating as compared to feedback from CPI to PPI, which support “Cushing and McGarvey (1990)
hypothesis”

With the development of economy, original pure rational strategic management could not adapt to the complex and
ever-changing environment now. A kind of irrational strategic management is emerging quietly. This passage introduces the development of irrational strategic management and its function in strategic management, and discusses the way of irrational factor playing an active role in strategic management.

Supply chain and industry cluster are the two important ways to enhance the competitiveness of regions or industries. By discussing the differences and links between the two, this paper concludes that industrial cluster and supply chain carry features of compatibility and symbiosis. The combination of the two can effectively increase the competitive advantage of industries so as to enhance regional economic competitiveness.

The hostile business environment in Malaysian private higher education institutions (PHEIs) has proved to be fatal to numerous institutions. While there are success stories, the issue looms as what differentiates the performers and the non performers. As such, this study was conducted to understand why some PHEIs perform better than others; and whether the differences in performance are due to the choice of strategy. Finally, this study explores whether the organisational distinctive capabilities influence towards the institution choice of strategy. Based from a sample of 97 PHEIs, the study depicts that differentiation strategy was significantly link to performance with a spectrum of organisational capabilities influencing the institution’s choice of strategy.