Contents: Impact of Psychographic Factors on Shoping Orientation of 01-12 Consumer Mohammed Shaffiullah and Prof. T. Umamaheswara Rao The Effect of the Physical Work Environment Quality on Field 19-24 Employee’s Performance: In Department of The Fire Prevention and Fire Extinguish Medan Penny C. Lumbanraja, Sukaria Sinulingga, Yeni Absah Effects of Moral Hazard and Adverse Selection Control on Group 25-33 Loan Performance of Micro Finance Institutions in Nyandarua County, Kenya Newton Riunge Njoroge, Abel Anyieni Effects Of Servıce Qualıty Perceptıons On Bank Customers: A 34-40 Comparatıve Study Between Nıgerıa And Turkey Olayemi Babawole, Familusi Factors Affecting Post-Initial Public Offer of Listed Companies at 41-58 the Nairobi Securities Exchange DorcasNdindaMutuku, Dr. Julius Bichanga, Dr. Irene Asienga Role Of Government, Ocb, Work Motivation, On Performance Of 59-69 Women's Cooperatives Through Participation Of Members In Gresik District Endang Muryani, Anwar Sanusi, Harsono The Effect of Work Stress of Employee Performance in 13-18 Department of Public Work Medan City Pretty L. Lumbanraja, Prihatin Lumbanraja, Amlys Syahputra Silalahi p-ISSN : 2319-7668 e-ISSN : 2278-487X IOSR-JBM IOSR-JBM IOSR-JBM IOSR-JBM IOSR Journals International Organization of Scientific Research IOSR Journal of Business and Management Volume : 20 Issue : 11 (Version - II) Qatar Office: IOSR Journals Salwa Road Near to KFC and Aziz Petrol Station, DOHA, Qatar India Office: IOSR Journals SC-89 A, Shastri Nagar, Ghaziabad, UP, India Australia Office: 43, Ring Road, Richmond Vic 3121 Australia New York Office: 8th floor, Straight hub, NS Road, New York, NY 10003-9595 Managing Editor Board v Dr. Muhammad Kashif Irshad, Pakistan v Dr. Md Golam Mohiuddin, Bangladesh v Dr. V. Balachandran, India v Dr. Wilson Ani, Nigeria v Dr. Muhammad Sabbir Rahman, Malaysia v Dr. Pawel Tadeusz Kazibudzki, Poland International Editorial Board v v Dr. Shalini Rahul Tiwari, India v Dr. Naveed Saif, Pakistan v Dr. Rishipal, India v v Dr. Radha Mohan Chebolu, India v v Dr. M.Veerappan, India v Dr. Shakil Adnan Malik, Pakistan v Dr. P. Malyadri, India v v Dr. Anamakiri, Onyemechi Dio, Nigeria v Dr. Khundrakpam devananda Singh, India v IOSR Journal of Business and Management (IOSR-JBM) Dr. E. Chuke Nwude, Nigeria Dr. Devadatta Gopal Ranade, India Dr. Nurul Fadly Habidin, Dr. Bandaru Srinivasa Rao, India Dr. Muhammad Ahmed Mazher, Pakistan Dr. N. Ramu, India DR. Mihir Kumar Shome, India Dr. Muhammad Jawad, Pakistan Malaysia v Dr. S.Ravishankar, India v Dr. Priti Bakhshi, India v Dr. Twinkle R. Singh, India v Dr. Muhammad Zahoor, Pakistan v v Dr. Vasthiyampillai Sivalogathasan, Sri Lanka v v Prof. Dr. B.Balamurugan, India v Dr. Anita Erari, Indonesia v Contact Us Website URL : www.iosrjournals.org Email : [email protected] [email protected]