15^th International Business Research Conference 

21-23 November 2011 

Mercure Hotel

Sydney, Australia 

Editor: Mr. Tanzil Hoque, World Business Institute, Australia 

Published by: World Business Institute Australia

ABN: 62 087 222 400

31 Blake Street, Berwick 3806,

Melbourne, Victoria, Australia 

ISBN : 978-0-9808279-5-8 

Copyright © 2011 by the above publisher. All rights reserved. No part of this publication can be reproduced in any form or by any means without the permission of the concerned author and/or the WBI  

Editorial Note: These proceedings are organised under the following tracks:  

1. Accounting

2. Banking

3. Economics

4. Finance

5. Management

6. Marketing 

How to find your paper?  

Papers contained in these proceedings are refereed papers as they are double blind peer reviewed. The readers are advised to click on individual track names (say Management) and then select the paper by the paper number, title and or author (s). We have tried to minimise the errors but sole responsibility rests on the author(s) concerned. In some cases, we have provided "abstract" only as per instruction of the concerned author(s). We hope these papers would serve as the most valuable materials for business research only and no materials should be used or manipulated for any purpose other than purely academic research. We appreciate the contribution of the author(s) and our editorial staff who worked relentlessly to make the conference an outstanding success.  

Tanzil Hoque