List of Articles Open Access Article Abstract Page Full-Text 1 - Retaining Customers Using Clustering and Association Rules in Insurance Industry: A Case Study R. Samizadeh S. Mehregan Open Access Article Abstract Page Full-Text 2 - Job Satisfaction and Organizational Commitment: Is It Important for Employee Performance K. Nath Gangai R. Agrawal Open Access Article Abstract Page Full-Text 3 - External Factors Affecting Firm Growth: Evidence from Small Scale Manufacturing Firms in Tigray Regional State of Ethiopia D. Getachew Regasa Open Access Article Abstract Page Full-Text 4 - Statistical Investigation and Comparative Assessment of the Non-Performing Assets of Indian Commercial Banks A. Garg Open Access Article Abstract Page Full-Text 5 - Assessment of Females’High Schools in District One of Tehran Based on the Sustainable School Indicators M. Hagh bin K. Mohamadkhani P. Jafari Open Access Article Abstract Page Full-Text 6 - Effects of the Use of ICT on Pharmaceutical Product Marketing in Nigeria H. Olubunmi Aderemi I. Ayodele Ojediran S. Akinade Adegbite O. Olufunke Olasanmi Open Access Article Abstract Page Full-Text 7 - Entrepreneurship Barriers to Student in Southern Punjab Universities M. Atif Bashir Open Access Article Abstract Page Full-Text 8 - Prediction of Affective Organizational Commitment based on Employee Characteristics and Psychological factors among Oil Personnel Sh. Ghaffaripour