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PROJECT REPORT
ON
LABOUR
TURN OVER
BACHELOR OF BUSENESS ADMINISTATION
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ACKNOWLEDGEMENT
I must specially acknowledge my ineptness to MISS MAMTA and all faculty members for extending their
full support and cooperation to me whenever needed without which this project has not been successfully
completed.
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DECLARATION
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TABLE OF CONTENTS
Contents
1. Company profile
3. Review of Literature
10 Research methodology
12. Findings
14. Recommendations
17. Questionnare
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1. COMPANY PROFILE
Set up to fulfill the demanding bulk packaging and transporting requirements of a host of
industries across the globe, Flexituff has an enviable number of attributes working for its
most discerning buyers. Economies of scale, the edge of attitude, 100% integration under one
roof, global foot print, nearly 2 decades of being in the industry,
global manufacturing standards and cost advantage of Asia
.
Its state of the art manufacturing facilities at SEZ Indore (M.P.), Kandla (Gujarat) and
Kashipur ( Uttarakhand ) measure up to the exacting global norms of GMP, AIB and BRC-
IoP. Flexituffs ISO-9001-2000 certified facility with its integrated manufacturing base
permits scali the throughput to match demanding deadlines.
Trays, boxes, pun nets) or retail packagings (leno/net bags for vegetables), Flexi tuffs
products find ready acceptability in all continents. A pro-active customer-centric approach
has helped Flexituff gain a larger global market share. A fact acknowledged by the
Government of India with the highest FIBC Exporter Award for past seven years in a row.
Since its inception in the year 1993, Flexi tuff core values of commitment to Safety, Health
and the Environment, high ethical standards and respect for people have been the cornerstone
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of its existence and what it stands for. At Flexi tuff workforce is assumed to be the stake
holders of its efficiency. A people driven enterprise, it makes every effort to nurture a team
that can grow with the organization. A team that shares the responsibilities and rewards, fairly
and squarely.
Team Flexi tuff is committed to serving all your FIBC requirements. The commitment stems
less from the mammoth manufacturing facilities they possess and more from theirr 2000
strong work force. Nothing defines Flexi tuff better than its people. Young in outlook and rich
in experience, Team Flexi tuff strives for total customer satisfaction, continuous improvement
in quality and delivering ever larger value to its buyers
.
Despite the over arching team spirit that prevails at Flexi tuff, we believe, commitment to
customers begins with the individual. Although, our 2000 member team works like a well
greased machine, it is the individuals - the cogs, who fuel its driving commitment to quality
and responsiveness.
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100% customer orientation has helped Flexituff gain wide global market
share. A fact, acknowledged by the Govt. of India with this highest FIBC
exporters award, for last 6 years in a row.
Awards, citations, growing volumes, expanding product range and satisfied customers are
achievements we now take in our stride.
But nothing fails to tickle us more than the idea of an impossibility.
Throw us a challenge and you have us hooked. Team Flexi tuff nurtures its hunger to hit the
ball out of the park. We like to be known as partners who can rise to the moment, who can be
counted upon to meet a crisis head on...
Flexituff has an enviable number of attributes working for you. Economies of scale, the edge
of attitude, 100% integration under one roof, global footprint, a decade of being in the
industry and the cost advantages of Asia.
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FACT SHEET
Year of Establishment : 2002
Nature of Business : Manufacturer, Exporter
Number of Employees : 501 to 1000 People
VALUES:-
a) Meeting commitments made to customer.
b) Faster learning creativity and speed of response.
c) Respect of dignity and potential of individual.
d) Loyalty and pride in the company.
e) Team playing.
f) Zeal to excel.
g) Integrity and fairness of all matters.
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PRIMARY COMPETITIVE ADVANTAGES:-
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retaining 100% control over the manufacturing process. Needless to say, Flexituff is fully
independent from the vagaries of outsourced material or workmanship.
Last minute change in specifications, add on orders can be quickly and comfortably
accommodated at Flexituff. We are able to maintain full traceability of material and
workmanship in our Quality Assurance systems.
Amsterdam, Netherlands.
" We are highly concerned with the quality of bags and give credit to those suppliers who
are vertically integrated and thus able to keep 100% control of every step of the
manufacturing process from the moment you qualify the virgin resin, extrude and weave the
fabric,
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Flowchart showing the Integrated Plant of Flexituff.
EXTRUSION
Microprocessor controlled extrusion ensure excellent input for the subsequent operations.
Extrusion plants at Flexituff - the very life blood of the manufacturing process, are state-of-
the-art Starlinger. This ultimate extrusion technology comes alive in the experienced hands of
our workforce to process over 60,000 kgs. of virgin polymer everyday. Producing impeccable
high tensile strength tapes with optimum elongation - a pre requisite for perfect fabric.
Precision winding being the key to weave fine fabrics, all tapes are wound by new generation
inverter controlled winders to produce even bobbins. Quality checks begin from the very
initial stages of Tape-making. Every lot produced is checked for its Denier, Strength,
Elongation and Color.
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3 layer co extruded liner plant.
If 3 layer co-extruded liner plant is a luxury, so be it. Our buyers deserve this luxury. This
over qualified plant ensures that we produce liners with zero pinholes, fish eyes or any other
extrusion flaw. At Flexituff, microprocessor controlled Form-fit Liner Machine cuts, seals
and form-fits the liner in a dust-free clean room environment conforming to ISO Level-7 (<
10,000 PPM). Be it Glued, Tabbed or Flanged-in, well executed process eliminates liner
twisting inside the bag.
The vital facility of coating the essential prerequisite for making FIBCs is a 2.4 meter wide
coating plant laminating both circular and flat fabric in thicknesses ranging from 15 to 80
microns. A unique fabric cleaning device, designed and developed in-house, is mounted on
the coating machine to avoid any foreign particle going in-between fabric and the coating.
The quality is free.
As the foremost manufacturer of FIBC in the world, they are sensitive to decoding customer
needs.
Their design and development team is committed to evolving bulk packaging solutions
for your specific requirements. Infact, they try to preempt them.
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Form fit liner sealing.
Extrusion coating.
FABRIC
Flawless weaving, off the floor stacking of stretch wrapped rolls and
unsurpassed 6 color printing.
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Fine and consistently even fabric is the face of our FIBCs. Over 3 million
square feet of high quality fabric is woven everyday on an array of wide width Starlinger
looms. Computerized weaving machines with the help of skilled hands produce consistent
quality fabric. In the end what you have from this state-of-the-art facility is an amazing
collection of poly woven fabric, ranging 60 GSM to 300 GSM ready to be turned into burly
jumbo bags for stringent end applications
.
Flexi tuffs R&D initiatives are amply reflected in its ultrasonic slitting and sealing
technology which makes our fabric comparable to tuck in fabric of a Sulzer loom.
Flexituff recognizes that for a critical food contact application, its not enough to mere make
a high quality fabric, the fabric also needs to be contamination-free, carrying no foreign
particle or even a speck of dirt. To achieve this high level of fabric cleanliness, fabric is
stretch-wrapped on looms itself. Raising the bar on cleanliness, the stretch sealed fabric rolls
never touch the ground.
4 color printing a rare facility with others is pass at Flexituff. For, we utilize a 6 color
flexographic printing machine of a kind, which makes the fabric come alive. This excellence
finds it's match in the fabric's evenness to create sharp, even, non-fading prints repeats after
repeats.
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Off the floor stacking.
The quality mantra.
At Flexituff, we hardly believe that quality is what clients demand. Out here, we believe,
quality is what you live. And breathe. Quite simply, the cost of making a quality product is
seldom more than that of a sub standard product. But its value, far higher.
For consistency in quality and schedules, even the smallest auxillary is manufactured in-
house. Genuine quality, is a chain without a weak link. Any FIBC, therefore, is as good as the
quality of input that goes into making it. Recognizing that even a small leak can sink a ship,
Flexituff rather chose to invest in establishing facilities for making every FIBC input in-
house. It has paid rich dividends in terms of customer satisfaction. Take for example high
tenacity sewing yarn for FIBCs. Flexi tuff commissioned
state-of-the-art Fare multifilament plant which produces 7 GPD UV stabilized sewing thread
in the deniers ranging 420 to 5200. Also set up in-house is the facility of twisting the filament
yarn into sewing thread to required specifications. Or take the all important webbing.
A battery of needle looms make 75 million metres of webbings required to produce bags at
Flexituff. In-house production not only ensures required level of UV stability and the strength
but also customizing of webbing to colours and weaving required by the client. The list is
quite exhaustive. Be it filler-cord for sift proofing, Tie-tape, rope and B-lock bag for
closure,document pouch, identification labels, printing stereos all inputs get made in-house.
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ASSEMBLING THE FINAL PRODUCT
An intelligent, skilled and trained workforce assembles the components into
efficient bulk containers. 21,000 FIBCs a day in addition to Builder bags and single loop bags
make Flexituff the largest production facility in the world. Be it Form-stable Q-bag, U.N.
Certified Hazmat bag or Type-C/D bag, Flexituff offers the most cost-effective solutions for
carrying bulk commodities up to 2500 kgs. Every Flexituff FIBC design is certified by NEL,
UK.
The assembly section is planned for neat and clean environment, smooth workflow and strict
adherence to Clean Room Specifications. The specially trained work force, qualified for basic
intelligence parameters and quality orientation works as a team to deliver consistent product
quality. Full scale production for any bag starts only after the first prototype bag has been
certified by the QC in all respects, including Load Test. Each and every bag is inspected for
all critical and aesthetic parameters.
Metal detection.
To ensure contamination-free bag, every bag is cleaned on pneumatically-operated cleaning
machine where double action blowers with alternating blowing and suction cycles eliminate
the smallest loose particles from the bag. All food contact application bags essentially pass
through a Metal Detector unit eliminating any chance of metal no matter how light or small
to slip in the bag.
Appreciating the need to be 100% right every time, as an abundant precaution, Flexituff has
instituted additional layer of quality audit. Where a team of professionals randomly draw
10% bags for inspection from duly baled ready to go bags. Any minor deviation in the
drawn sample leads to entire lot to go back for re-inspection and segregation. Packaging these
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packages is an art in itself at Flexituff. Each batch is packed in compact cuboid bales which
are duly stretch-wrapped and marked for easy readability and stackability at clients place.
The new
European and the U.S. Pallet Norms ISPM-15 are followed as every individual pallet is
treated and marked.
Eager to reach out.
Flexi tuff is keen to forge a business relationship with you. Our capacities can
smoothly tackle your most demanding requirements. No challenge,
in terms of quantity or quality is too large to keep us from catering to your need.
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ORGANIGATION CHART ( HR & ADMINISTRATION)
GENERAL MANAGER
[Compliance Commitment]
Manager HR
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PRESENT RESPONSIBILITIES
Manager HR :- Taking due care of the varying compliance commitment, documents,
Legal compliance, core cases, renewals & returns of various employees.
Safety Officer :- Prepare & implementing the safety instructions / plan & provide
training, control on hazardous / non hazardous chemical storages & also ensuring the
use of PPEs / fire fighting system and equipment, evacuation plan / exit doors etc.
Security Officers: To ensure all security checking from main gate to factory
internal, gate security policies, goods checking & monitoring all the procedures as per
( TPA ) rules & security policies.
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PRODUCTS OFFERED
PRODUCT RANGE
Flexi tuff manufactures one of the widest range of FIBCs in the world. Whatever be your
packaging and bulk transportation requirement, you will find a suitable product in our
comprehensive range. Moreover, with our in house Design & Development Center, any
packaging requirement can be aptly developed, tested and offered as sample very quickly.
Some of the standard designs at Flexi tuff are as under:
1. TYPE C & D.
2. ASSORTED.
FIBCs (coated/uncoated)
Type C +D Bags
Sling Bags
Drum Bags
Asbestos bags
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Container Liner Bags
Builder Bags
Sand Bags
Carry Bags
TYPE C & D
Safely managing the occurrence of static electricity during FIBC filling and emptying
operations is a critical concern in the chemical process industry. Static discharges from an
FIBC can range from operator shocks to those capable of igniting flammable gases, vapors
and dust. By using an FIBC with static protective properties,
the risk of a hazardous static discharge is significantly reduced.
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STATIC DISSIPATIVE TYPE-D FIBC:
Flexituff offers static dissipative FIBC using static protective yarn. Static protective yarn
protects from hazardous electro static discharges by safely dissipating charge into the
atmosphere.
The conductive Type C bag from Flexituff uses conductive threads in a woven grid structure.
These threads are grounded to avoid accumulation of charge.
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ASSORTED
Garden Waste Bags:
Your way to a better and cleaner environment... versatile garden waste bags for County
Councils, Collection Services, Farms and Individual Residences:
Grass cutting
Hedge trimming
Woody waste
Kitchen waste
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s
Be different! Do away with monotony and dullness of your bags. Style them with our high
quality 6 color magic printing.
Though the current environment in terms of Talent demand and supply, presents
enough opportunities for people with relevant skill sets as also enough manpower for
organizations to choose from, employee turnover without doubt, bleeds value out of
any organization, both in terms of time and money. As such Employee turnover is a
major Organizational issue, which different Knowledge industries manage in varying
ways.
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Labour turnover is a dynamic that impacts business performance in more ways than
the usually perceived Human Resource development angle. It is an issue which gives
rise to questions like Organizational health, morale and motivation and leads up to
very tangible aspects such as shareholder return and value. Labour turnover as a
problem is also seen as the origin of further dialogues about Talent management and
sourcing.
Labour turnover has some business costs attached to it. It has been observed that
Cost of Labour turnover is computed by all organizations, especially when it had a
direct impact on the business.
This was usually done by calculating what it on average to replace a leaver with a
new starter in each of major employment categories of the organization. This figure
was then multiplied by the turnover % to calculate the total annual cost of turnover.
The major categories of costs taken into account were:
Administration of the resignation Recruitment costs, Selection costs, Cost of covering
during the period in which there is a vacancy Administration of the recruitment and
selection process. Induction training for the new employee.
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professional services organizations, the revenue lost by the movement of the employee
related directly to the top line results.
When key employees leave customer contact functions, customers often experienced:
Discontinuity in the relationship Negative impact on their own productivity.
Wasted reorienting the new employee to their operation and the way they work in
industries such as Personal Financial Services, Management consulting, Recruitment
Consulting and IT, the change in account managers or service providers set the
relationship back by months and this gave competitors a weighty advantage. This was
especially true if the transition to new account personnel was not well managed. At a
certain point, regular changes in account personnel also sent out a message of
organizational instability and created the impression that the organization does not
care about the account relationship.
For instance, in a Consulting scenario, where both the client and the consulting firm
invested large amounts of time in arriving at a value-added partnership, the loss of a
resource who front-ended with the client lead to the latter either moving with the
employee or using the chasm to shop for other agencies.
While it was relatively easy to establish the direct costs of Labour turnover, indirect
costs were more difficult to quantify. They included lower morale, staffing disruptions,
an increase in errors and higher overtime costs.
An indirect cost of employee turnover, low morale was a significant issue for
knowledge organizations. When employees saw their friends and co-workers leaving
for greener pastures, their morale suffered. Morale deficiencies generally affected
organizational performance
Staffing disruptions: This was another serious indirect cost associated with Employee
turnover. While some employees left the organizations business and service
commitments still remained, requiring incumbent employees to fill vacancies by
working overtime or having their days-off cancelled. The indirect costs of such
staffing disruptions were long-lasting and extremely difficult to improve in the short
term.
Higher overtime costs: As overtime needs increased with more resignations,
employees' morale was observed to initially rise slightly, as some workers took
advantage of the extra hours and extra money. However, chronic and sustained staffing
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shortages requiring employees to work regular overtime eventually diminished the
organizational capabilities.
REVIEW OF LITERATURE
turnover is the act of replacing an employee with a new employee. Partings between organizations
and employees consist of retirements, deaths, interagency transfers, and resignations. An
organizations turnover is measured as a percentage rate which is called, Turnover Rate. Turnover
rate is the percentage of employees in a workforce that leave during a certain period of time.
Organizations and industries as a whole measure their turnover rate during a fiscal year or
calendar year.
There are four types of turnovers : Voluntary. Is the first type of turnover, which is when
an employee self- willingly makes the decision to leave the organization Voluntary turnover could
be a result of a better job offering, staff conflict, and lack of opportunities in career advancement
The second type of turnover is Involuntary. This occurs when the employer makes the
decision to discharge an employee and the employee unwillingly leaves his or her position.
Involuntary turnover could be a result of poor performance or staff conflict.
The third type of turnover is Functional. Which occurs when a low performing
employee leaves the organization? Functional turnover reduces the amount of paper work a
company must prepare in order to get rid of an inadequate employee. Instead of having to go
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through difficulty of proving the fact that an employee is useless to the organization, the company
simply respects his or her own decision to leave.
If an employer is said to have a high turnover relative to its competitors, it means that employees
of that company has a shorter average tenure than those of other companies in the same industry.
High turnover may be harmful to a company's productivity if skilled workers are often leaving
and the worker population contains a high percentage of novice workers. Companies also often
track turnover internally across departments and divisions or other demographic groups such as
turnover of women versus turnover of men. Additionally companies track turnover, voluntary
turnover, more accurately by presenting existing employees with surveys which identify the
specific reasons for why they chose to leave. Many organizations have discovered that turnover is
reduced significantly when issues affecting employees are addressed immediately and
professionally. Companies try to reduce employee turnover rates by offering benefits such as paid
sick days, paid holidays and flexible schedules.
In the United States, the average total non-farm seasonally adjusted monthly turnover rate was
3.3% for the period from December 2000 to November 2008. However rates vary widely when
compared over different periods of time or different job sectors. For example, during the period
2001-2006, the annual turnover rate for all industry sectors averaged 39.6% before seasonal
adjustments, during the same period the Leisure and Hospitality sector experienced an average
annual rate of 74.6%.
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3. OBJECTIVES OF THE STUDY
Every work need a frame work to work within, similarly in each study objectives set
the framework and direction of the study. The objectives of every study, fails without
pin-point a specific solution to the requirement of study. In this study also an effort
has been made to analyze and disseminate a comprehensive idea about the labour
turnover.
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RESEARCH DESIGN
It is termed as formulate research design. The main purpose of the study is to formulate
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A problem for more precise investigation.
In descriptive research design, those studies are taken which are concerned with
SOURCE OF DATA
Primary Data
Secondary data
Primary Data
Primary data are those data, which is originally collected. It is following types
Questionnaire, interview, etc
Secondary Data
Secondary data are those data which are collected and which has been passed
Through statistical research.
In this project, secondary data has been collected from following sources;
Books
Journals
Descriptive.
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Primary data:
Secondary data:
Sample unit:
Executives of HR departments.
Sample size:
50
Sampling technique:
Convenient sampling.
Yes Yes No
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.
The above table shows that 57% of the workforce thinks low salary a big
problem while 43% not because salary is a big attraction for workers
Yes No
No. of respondents 300
Yes 63%
No 37%
Total 100%
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above table shows that 63% of the workforce thought workload a
problem while 37% not because the work in textiles is of bit tough
nature.
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Ques. 3 Do you think that residential colony should be given to the
No. of respondents 300
Yes 10%
No 90%
Total 100%
workers ?
Yes No
The above table shows that only 10% of the workforce think it a
problem while 90% not because most of them thought that if residence is
their they will not be able to take leave frequently.
Yes No
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No. of respondents 300
Yes 27%
No 73%
Total 100%
The above table shows that 27% of the workforce think it a problem
while 73% not because most of them think it as a part of job.
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Yes No
The above table shows that 10% of the workforce had a problem with a
person while 90% not.
Yes No
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The above table shows that total workforce has no problem with the
shifts as basically the morning shift is for females
Yes No
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The above table shows that 8% of the workforce think as a problem
while 92% not because minimum 3 returns are declared by the company.
Yes No
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The above table shows that 88% of the workforce has no problem with
coming on duty while 12% not.
Yes No
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The above table shows that only 27% of the workforce had a problem of
not getting leave while 73% not.
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Ques .10 Had you faced any suspension till now?
Yes No
The above table shows that 87% of the workforce thinks their is inflation
while 13% not.
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Ques .11 Is Kashipur a costly city?
Yes No
The above table shows that 63% of the workforce thinks their is inflation
while 37% not.
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Ques .12 Do you want to change the work field?
Yes No
The above table shows that 53% of the workforce was interested in
changing their working area while 47% not.
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Ques .13 Are your problems be listened and solved here in Flexi tuff
International Ltd.?
Yes No
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The above table shows that 93% of the workforce thought that their
problem is solved by the superiors while 7% thinks not.
Yes No
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The above table shows that 90% of the workforce thought that their
problem is solved by the superiors while 10% thinks not.
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Ques.15 Are your Personal/Family problems decreases your efficiency
of doing work?
Yes No
The above table shows that 67% of the workforce could not carry on
their work due to family problem while others not.
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Ques.16 Are you searching for any other good job?
Yes No
The above table shows that 77% of the workforce exit from this job due
to having a nice offer while others not.
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Ques.17 Do you have proper knowledge of the work assigned to you?
Yes No
This table shows that 87% of the workforce have proper knowledge of
their work while others said not.
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Ques.18 Are you interested in working with the FIL for a long time?
Yes No
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This table shows that 70% of the workforce really want to work in F.I.L.
due to the other incentives associated with the salary while other 30%
not due to the toughness associated with it.
7. FINDINGS
7. Regular work gives feeling of boredom to the workers thats why they
remain absent
9. Return is one of the main reason given by the workers. According to them
whenever some workers returned back from work due to excess workers
they feel very annoyed, some time dont turn up for work for next day.
10.Workers find workload very high, and due to which they feel more tired .
This tiredness sometimes becomes cause o absent for next day
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11..
12.Workers complain about bad input material, which cause less production
and again which becomes cause of returns.
13.Whenever their leaves are not sanctioned they remain absent because of
feeling of detachment.
14.Sometimes when worker has to do overtime they remain absent for the
next day because of extra fatigue.
16.They said that in the night shifts they remain absent because of sleep.
17.Workers find machine are old and these are not good enough, that
workers can complete their workload.
19.Plenty of workers have a common problem that their side is not fixed
on machines. Because of this they always find problem in working, as
they are habitual of working on some favorites side and because of this
they cannot reach their production target. If their production is not full
they are returned back and this bring ill will in their heart and they
remain absent.
20.Few workers are suffering from some disease from a long period of
time and they regularly remain absent.
21.Whenever shift officer punishes them they remain absent for next day.
23. Sometimes male workers drink at night and remain absent for next
day.
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8. CONCLUSIONS
working for a longer time in textiles mill can cause many diseases.
One important thing that is observed that workers only care for their
of objectives of organization.
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The shift officer & jobber unnecessarily harass workers sometimes. They
Local workers complain that jobbers from other states do partiality with
Sometimes jobbers dont mention the return on their cards if they have
Sometimes even authorized leaves are not granted to the workers because
Most of the female workers are local and have to deal with their family
If a worker is absent for 1 or 2 days they are returned for 1-2 days
more and sometimes even his name struck off due to continuous absent
of more than 8 days. Sometimes their genuine problems are not listed.
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Though the work of sider is of more responsibility than the work of a
worker.
9. Recommendations
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promoted so that management can come to know about problem workers
are facing.
Workers sometimes remain absent because they have to come from
distant places. They face problem in nights, in rainy seasons, in winters
and some time they face problem when they have to change houses
frequently. They like companys quarters than house rent. Company
should think of providing houses to them.
More program should be organized by the company so that brotherhood
can be increased in workers, it can cope with home sickness.
Attendance incentive can be made to look more attractive by adding
some extra benefits to regularly present workers.
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10 LIMITATIONS OF THE STUDY
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A major limitation was sensitive nature of the study, as we know every
person differ from other in behavior so a generalized opinion cannot be
formed.
Often questions asked were open ended so it was difficult to get
generalized opinion.
Many of the respondents afraid of answering these questions because of
the fear of not getting their balance amount of wages.
The sample size was confined to the workers only, no shift officer or
department officer was interviewed because of lack of time.
Sometimes worker anticipated, why this interview is conducted and
Remains reluctant to give needed information.
Bibliography
Books:
Magazines:
1. India today
2. Business world
Newspapers:
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1. Times of India
2. The Hindustan times
3. The economic times.
Websites:
1. ww.flexituffindustries.com
2. https://www.scribd.com/doc/16321247
3. www.svtuition.org/2010/08/how-to-calculate-labor-turnover.html
ANNEXURE
1. Joining form
2. Executive performance appraisal form
3. Staff performance appraisal form
4. Supervisor performance appraisal form
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SCHEDULE OF EXIT INTERVIEW
Name .. DOB:
Ques. 3 Do you think that residential colony should be given to the workers ?
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Yes No
Yes No
Ques.5 Do you have any problem with your superior/jobber or any other person
in the Organization?
Yes No
Ques.6 Does evening or night shifts creates problem?
Yes No
Yes Yes No
Yes No
Yes No
Ques .10 Had you faced any suspension till now?
Yes No
Yes No
Yes No
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Ques .13 Are your problems be listened and solved here in Flexi tuff International
Ltd ?
Yes No
.15 Are your Personal/Family problems decreases your efficiency of doing ork?
Yes No
Yes Yes No
Yes No
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