Consumer Perceived Value (CPV) is the complete evaluation of the product's usefulness by a consumer according to his perceptions of total obtained benefits compared with the cost that he had to pay for that. Customers purchase similar luxury goods globally, but for different motives and the value held by each customer for these products also changes across different nationalities. The variation in CPV arises mainly because of dissimilarities in culture of different countries. This study uses a framework of Hofstede's cultural dimensions to examine variations in CPV of luxury goods between two rising luxury markets of Saudi Arabia and India. The basic components of CPV of luxury goods were used as the basis for developing the questionnaire. The questionnaires were given through e-mail to respondents in Saudi Arabia (Arabic version) and India (English version). The data results indicate significant variances in CPV of luxury goods between the two countries. Saudi Arabian consumers turn out to be the greatest patrons of luxury goods whereas Indians display a culture of restraint and controlled gratification of desires. Unlike Saudi consumers, the Indian consumers do not display any significant "bandwagon" or "snob effect".

The Regional Rural Banks are government-owned, regionally based and rurally oriented financial institutions specialized in catering to the credit needs of the neglected and weaker sections of the society. In the recent past, RRBs have become a potent mediator for financial inclusion in rural areas. This paper summarizes the innovative methods used by the employees of these banks in deposit mobilizations, credit expansion and recovery of the loan. The primary purpose of the research is to find the problems faced by officials of these banks in marketing their services to the rural customer. The opinions of these bank officials regarding the above factors and the functioning of these banks and their impact on society have also been studied. For this purpose, a sample of 96 bank officials of Aryavart bank and Purvanchal Bank have been taken from the rural areas of Uttar Pradesh. Methodological tools of the research methods were Frequency and Chi-square test of independence which have been used to test the hypotheses developed in the study. The research empirically confirms and theoretically proves that the employees and staff of these two regional rural banks in the state are making their earnest effort to channelize the savings of rural people by mobilization of deposits by motivating them to deposit their surplus money in the regional rural banks. The bank officials are making efforts to extend credit facilities in rural areas to uplift the people economically. The bank officials are facing problems in deposit mobilization, and credit expansion in the rural areas of the state and they are managing these problems very efficiently. Some political interference was found in the functioning of these banks. In the opinion of these bank officials, the overall working of these regional rural banks is proper. The results of the research can be useful for policymakers in the government to understand the hurdles faced by regional rural banks in reaching to the poor and needy sections of the society. The insights from this paper can help the policymakers to craft innovative schemes which enable these banks to reach the most inaccessible customers in rural areas. Keywords Regional Rural Banks, deposit mobilizations, credit expansion, financial inclusion, loan recovery.

This study attempts to examine the interactions between the tourist experience quality, perceived price reasonableness, and regenerative tourism involvement variables and tourist satisfaction by taking into account the moderating effects of tourist destination loyalty and destination image. The survey was circulated among international tourists visiting the Ha’il region of Saudi Arabia. This study used structural equation modeling (SEM) to analyze the data collected. The results showed significant and positive effects of enjoyment, tourist destination loyalty, and destination image on tourist satisfaction. However, the findings show that escapism, relaxation, involvement, perceived price reasonableness, and regenerative tourism involvement did not have a direct impact on tourist satisfaction. Further, it was found that the destination image moderates the relationship between regenerative tourism involvement and tourist satisfaction. The results also reveal that tourist destination loyalty significantly moderates the relationship between perceived price reasonableness and tourist satisfaction. The influence of regenerative tourism involvement on tourist satisfaction has not been addressed in prior research, to the best of authors’ knowledge, and is, therefore, the unique contribution of this study.