|Year : 2017 | Volume
| Issue : 5 | Page : 590-599
Role overload, role self distance, role stagnation as determinants of job satisfaction and turnover intention in banking sector
Monica Kunte, Priya Gupta, Sonali Bhattacharya, Netra Neelam
Faculty of Management, Symbiosis Centre for Management and Human Resource Development, Symbiosis International University, Hinjavadi, Pune, Maharashtra, India
|Date of Web Publication||24-Oct-2017|
Symbiosis International University, SCMHRD, Rajiv Gandhi Infotech Park, MIDC Hinjavadi, Pune - 411 057, Maharashtra
Source of Support: None, Conflict of Interest: None
| Abstract|| |
Purpose: This study examined the relationship of the organizational role stress: Role overload, role self-distance, and role stagnation with job satisfaction and turnover intention with a sample of banking employees in India. Methodology: In this research, we used the RODS scale developed by Prohit and Pareek (2010) for measuring occupational role scale. The reliability of the scale came out to be 0.71. Findings: The majority of employees of all ranks, in both private and public sector banks, suffer from high role stress of all types. It was found that role overload and role stagnation are inversely associated with banking employees' job satisfaction. Private sector bank employees have more role stress and more unsatisfied than employees of public sector banks. Employees Turnover intention was found to be positively impacted by job satisfaction, contrary to many other studies. Possible reasons have been suggested. Job satisfaction was found to play a partial mediating role in the relationship between role overload and turnover intention with 40% mediation. Further, employees with longer tenure (work experience) have less role stress and are more satisfied. Originality: This study is unique in the sense there is hardly any study linking role stress to job satisfaction and turnover intention, specially in Indian context.
Keywords: Job satisfaction, role overload, role self-distance, role stagnation, turnover intention
|How to cite this article:|
Kunte M, Gupta P, Bhattacharya S, Neelam N. Role overload, role self distance, role stagnation as determinants of job satisfaction and turnover intention in banking sector. Indian J Psychol Med 2017;39:590-9
|How to cite this URL:|
Kunte M, Gupta P, Bhattacharya S, Neelam N. Role overload, role self distance, role stagnation as determinants of job satisfaction and turnover intention in banking sector. Indian J Psychol Med [serial online] 2017 [cited 2019 Apr 24];39:590-9. Available from: http://www.ijpm.info/text.asp?2017/39/5/590/217022
| Introduction|| |
The banking sector in India has seen a sea change from largely profit making financial institute during the British era to organizations with social motives. During the early 1990's, India adapted new mantras of globalization, liberalization, and privatization. Banking reforms were implemented with the adaptation of the Narasimhan Commission Report (Narasimhan Committee, 1991). In India, 83% of the business in the commercial banking sector is from nationalized banks. Commercial banks refer to both scheduled and nonscheduled commercial banks which are regulated under Banking Regulation Act, 1949 (Government of India). Scheduled Commercial Banks are either public or private. Scheduled commercial banks under public sector include State Bank of India and its Associates, Nationalized Banks, Foreign Banks, Regional Rural Banks, and other Scheduled Commercial Banks. Private sector banks old private banks, new private banks, foreign banks, and regional rural banks. At present, there are 27 public sector banks in India including SBI and its 5 associates and 19 nationalized banks. Further, there are two banks which have been categorized by RBI as “Other Public Sector Banks.” IDBI and Bhartiya Mahila Bank come under this category. In the private sector, there are 13 old private sector banks, 7 new private sector banks besides 43 foreign banks from 26 countries operating as branches in India and 46 banks from 22 countries operating as representative offices in India.
Atif is one of the first authors to have studied relative performance of private and public commercial banks. In the study, privatized banks were found to be more effective in choosing profitable clients and monitoring existing clients than the commercial banks than public banks. Ojha in his study attempts to measure the productivity of public sector commercial banks in India. After identifying various measures of productivity such as total assets per employee, total credit per employee, total deposits per employee, pretax profits per employee, net profit per employee, working funds per employee, ratio of establishment expenses to working funds and net interest per employee, comparison is made with the banks at the international level. Entering of the private and foreign banks post deregularization, has led to lot of competition, for attracting and retaining customers, developing attractive products, adapting new technologies. This has resulted in new challenges to the employees. The employees' related socio-psychological issues in banks, such as working late hours, work-life balance, job satisfaction, adaptability, and acceptance of new technology have held the interest of researchers in recent years. Most educated youngsters look forward to a banking job in India. According to an Association Chamber of Commerce and Industry of India (ASSOCHAM) Business Barometer Survey (ABB) of 271 students among top B-schools in India, 51% expressed a preference for banking sector.
In this research paper, we are attempting to find out interlink between role stress faced by employees in the banking sector in India, both public and private with job satisfaction and turnover intention. Role stress would be looked in the perspective of role overload, role self-distance, and role stagnation. The interrelationship is controlled for gender, tenure, type of bank (private and public). This would be interest according to a global workforce solutions firm Kelly Services India's “Understanding the mind of an employee” report (2014), in financial sector the major reason for job hopping are offer for better roles, quality of work, and salary hike. Consulting firm Deloitte has come out with a survey on talent priorities titled “Talent 2020,” which speaks about how employee tenure is negatively correlated to turnover intentions. Employees with less than two years on the job expressed the strongest turnover intentions, with 34% indicating they expect to have a new job within a year. Further, ASSOCHAM 2012 report states that middle-rank managers, senior managers, and chief managers in Public Sector Units were found to be highly contended and satisfied with their assigned job responsibilities. Hence, retention strategy should be targeted to increase satisfaction levels in the early years of an employee's tenure and private sector. In a report by ASSOCHAM (2012) Social Development Foundation titled, “Current conditions and development trends amongst female office workers,” 40% of women think that their jobs are too demanding (role overload) and the pay disproportionate to the workload. The survey shows that 56% of women aged between 21 and 29 have job-hopped and the rate rises to 63% among those aged between 30 and 45. The report is based on a survey of 2600 corporate female employees from 32 various companies/organizations across 11 broad sectors of the economy. All these surveys point to the significance of variables role stress, type of companies (public or private), gender, tenure in job satisfaction, and turnover intention.
This paper attempts to answer following research questions:
- What are the impacts of various dimensions role stress on job satisfaction?
- What are the impacts of various dimensions role stress on turnover intention?
- Does job satisfaction play a mediating role for the impact of role stress on turnover intention?
Hence, the theoretical model for the study is given in [Figure 1].
| Literature Review|| |
In this section, a detailed literature review on the three constructs of the study, i.e., role stress, job satisfaction, and turnover intention.
Role overload, role self-distance, and role stagnation
Earlier studies have defined two dimensions of work-related stress namely role ambiguity and role conflict (Kahn et al., 1964)., Peterson et al. through their cross-national studies have concluded that power distance and collectivism are negatively related to role ambiguity and positively related to role overload. Van De Vliert and Van Yperen (1996) in their seminal work based on 21 nations have postulated ambient temperature is antecedent to role overload even when controlled for power distance. Role stress is antecedent to job dissatisfaction, absenteeism, and turnover intentions., Research shows the existence of both weak, as well as very strong predictive relationship between role conflict and ambiguity on the one hand and anxiety and satisfaction on the other. While there is little empirical evidence of the causal relations among these variables, existing evidence does support the usual assumption that role stressors impact on dissatisfaction and stress/burnout symptoms.,,,, In an interesting study, Coverman has concluded that role overload (both occupational and domestic) and role conflict between occupation and family life create dissatisfaction which in turn lead to stress. Malik and Waheed (2010) through their survey of 150 branch managers of private commercial banks have found that job satisfaction plays mediating role between the negative relation of role overload and role conflict with affective commitment. Each job-holder role is representative of the formally prescribed (or in-role) duties and responsibilities that employees must fulfill; in contrast, the organizational member role encompasses employee expectations to be good organizational citizens.
Role overload is defined in both quantitative and qualitative terms., Quantitative perspective defines role overload as the conflict between the demand of job as an organizational citizen and the time availability for meeting the job demand. Qualitatively, it is considered as the mismatch between the demand of the job and individual's necessary knowledge skill and aptitude which also is defined as role self-distance. Both Jackson and Maslach (1982) and Kanter (1977) have suggested that quantitative role overload at work may itself produce role conflict at work. Role overload moderates the direct impact of both self-efficacy and goal level on performance, such that these relationships are positive when role overload is low but not significant when role overload is high. Bolino and Turnley have suggested organization citizen behavior may result in role overload.
Issues of role stress have also been studied for banking in recent years in India and elsewhere.
In a recent study in the four cities: Kurukshetra, Panipat, Sonipat, and Karnal of India, it was role ambiguity, role conflict, political pressure, and long working hours are causes of occupational stress in private and public banks. It has found in India the ten facets of organizational stress, namely, inter-role distance, role stagnation, role expectation conflicts, role erosion, role overload, role isolation, personal inadequacy, self-role distance, role ambiguity; resource inadequacy increases with increase in tenureship in the banks. Private bank employees score significantly higher in role distance, role stagnation, role overload, self-role distance, role ambiguity, and resource inadequacy, and are less satisfied with their jobs (Jain et al., 2011). Other factors determining job satisfaction of employees are salary of employees, performance appraisal system, promotional strategies, employee's relationship with management and other co-employees, training and development program, and working hours., Associated Chamber of Commerce and Industry of India (ASSOCHAM), in a study conducted in 2007, has also reported that those working in the banking sector - both public and private - tend to get stressed as they have to attract and serve a large pool of customers for various schemes besides ensuring timely recovery of loans. Several studies in past have concentrated on measuring the level of stress in banking sector. Anantharam and Begum, Bhatnagar and Bose, Singh and Nath, Achmamba and Gopikumar, and Rajeshwari, are some of the notable contributors in the study of role stress in the Indian banking sector. Singh and Nath (1991) have found that individuals with high organization stress (both total and dimension wise) have less job involvement and score low in terms of achievement, affiliation, and expectation through their studies banking professionals. Uma has found through her study of employees in the banking sector that making the job interesting, developing a mechanism of reducing stress, facilitating success will enhance employee competence and satisfaction. Several studies also reiterated the impact of role ambiguity and role conflict (Nath, 1980, Srivastava and Sinha 1983),,, on job involvement. Shah has concluded that role stagnation, the inadequacy of role authority and role erosion are the highly rated dimensions of job stress among bank employees in Kashmir. The study further reveals that employees belonging to the clerical cadre relatively experience more stress on most of the dimensions. Rao et al. also concluded that organizational stress related to inter-role distance, role expectation conflict, and role overload are higher in employees of private banks than public banks, Further, in the banking sector, customer and employee attitudes toward each other determine their own and one others' turnover intention. It has also been found that emotional labor increases perceptions of job stress, decreases satisfaction, and increases distress.
Role distance refers to the stress arising out of a mismatch between the person's self-concept and his/her role. Role stagnation refers to the feeling of being stuck in the same role with no opportunity for the furthering or progress of one's career.
Job satisfaction is “a pleasurable or positive emotional state resulting from the appraisal of one's.
Job or job experiences” as compared to one's expectation. Determinants of job satisfaction is a well-studied concept which cover its relationship with compensation, opportunity for advancement, leadership style, work environment, and organization structure.
Recent research on psychological climate supports the notion that satisfaction with organizational vision may affect overall job satisfaction. Psychological climate is “an individual's interpretation of the environment in a way that is psychologically meaningful.” Appraisal of various work-related factors, such as “amount of harmony, job challenge, cooperation,” and “leadership support,” is a “subjective, value-based process dictated by personal values.” Limited research results suggest that organizational vision facilitates these types of conditions. Strong relationship exists between job satisfaction and job engagement. Fraser et al. concluded that job satisfaction, as a work-related outcome, is determined by organizational culture and structure. Kim suggested that participative management that incorporates effective supervisory communication can increase employees' job satisfaction. Study of Wagner and LePine established that there are significant impacts of job participation and work performance on job satisfaction. Participative decision-making and empowerment (Eylon and Bamberger, 2000) were observed to have a significant impact on job satisfaction and performance. A leadership which inspires teamwork, challenging job, enabling others, setting examples and rewarding high performance were found to have significant effects on role clarity, self-efficacy, and job satisfaction. In a study of organizational culture and climate, Johnson and McIntye found that the measures of culture such as empowerment, involvement, and recognition are strongly related to job satisfaction.
Agho et al. have found that job satisfaction influence commitment, absenteeism, and actual. However, the impact of job satisfaction on turnover intention was not always found to be very strong (Lee et al. 1999)., A 2-year longitudinal study showed that employees who switch over to a new job had higher levels of work satisfaction in the new job than employees who did not change jobs at all. In particular, satisfaction with the facets of meaningful work and promotion opportunities were significant predictors of intentions to leave an organization.
The pioneering work on turnover intention was done by March and Simon. Tett and Meyer defined turn over intention as conscious and deliberate willingness to leave the organization. About 1500–2000 studies have been carried out on turnover intention.
Most studies on turnover intention have been in finding its relationship with job satisfaction, organizational commitment, personality, aptitude, intelligence, governmental policies, and rates of unemployment., Very strong relationship was found between turnover intention and actual turnover.,,
Most studies have supported the inverse relationship between job satisfaction and turnover intention., According to Hom and Hulin commitment more strongly relate to turnover intention than job satisfaction. Some studies have found quitting, or withdrawal is more from the company than the job.,
| Research Method|| |
A survey research method was used to investigate the relationships of visioning effectiveness with job satisfaction and turnover intention. A self-administered questionnaire administered online was used to collect individual-level perception data from midlevel managers in a single industry. Employees of ten private and ten public sector banks were surveyed in India. Two hundred and eighty-two valid responses (with completely filled survey forms) were taken into consideration for the study.
Out of the total number of 282 respondents, 86 were public sector employees and 196 were private sector employees. There were 85 female and 199 male employees. The average age of the respondents is 32.4 years with standard deviation of 8.57 years. The average work experience of the respondents is 6.2 with a standard deviation of 7.2.
| Measures|| |
In this section, we have discussed the initial selection of measurement items and the process of identifying final measures through an item analysis process. Internal consistency reliability estimates are provided.
Role overload, self-role distance, and role stagnation
Role overload, distance and stagnation were measured using a 30-item scale of Pareek and Purohit (2010). The scale has 30-item; 10 for each of the 3 role stresses response options ranged from 1 (not at all true) to 5 (very true). The overall 30-item scale consistency (Cronbach's alpha) was found to be 0.71.
However, dimension wise reliability was not very high. For the construct “role overload,” the reliability was 0.69. We have used Miles method of confirmatory factor analysis using Excel which was found to coincide with outputs from MPlus or SPSS AMOS to up to 2 decimals place. The Chi-square (χ2) at 35 degrees of freedom (df) was 95.63 and P < 0.01. The root mean square error of approximation (RMSEA) is 0.067.
Those items which have factor loadings of >0.5 were retained for final analysis.
For the construct “Self Role Distance,” the reliability was 0.31. The Chi-square (χ2) at 35 df was 81.64 and P < 0.01. The RMSEA is 0.19. Those items which have factor loadings of greater than 0.5 were retained for final analysis.
For the construct “Role Stagnation,” the reliability was 0.69. The Chi-square (χ2) at 35 df was 294.98 and P < 0.01. The RMSEA is 0.14. Those items which have factor loadings of >0.5 were retained for final analysis. [Table 1] shows the factor loadings of all the items which were retained in each construct for the final analysis.
|Table 1: Factor loadings of the items (>0.5) for three the constructs of Role Overload, Self Role Distance and role Stagnation|
Click here to view
For job satisfaction, we have used an abridged version of the questionnaire developed by PMW Associates, USA. The scale comprises 12-item measured in 5-point Likert scale. The reliability of the scale (Cronbach's alpha) was found to be 0.85. The CFA yield Chi-square (54) =135.1331, RMSEA = 0.076 and P < 0.01. The factor loadings of the items ranged between 0.29 and 0.72 [Table 2].
For turnover, intention was adapted from Dick et al. (2004). The scale comprises 7-item measured in 5-point Likert scale. The reliability was found to be 0.60. The CFA yield Chi-square (14) =243.03, RMSEA = 0.20 and P < 0.01. The factor loadings are given in [Table 3].
| Results|| |
The correlation analysis of various variables under study is given in [Table 4]. Contrary, to most of the earlier studies,, positive relationship was found between job satisfaction and turnover intention as well as visioning effectiveness and turnover intention [Table 4]. Griffeth, Hom and Gaertner (2000) through the meta-analysis found distal internal factors such as work environment, which include job content, stress, workgroup cohesion, autonomy, leadership, and promotional chances may moderate inverse relationship between job satisfaction and turnover intention. Besides, other factors are alternative job opportunities and demographic such as company tenure gender, designation, number of children.
It can be seen gender is uncorrelated at any of the other variables. Since age and tenure are highly correlated, they can replace each other.
Job tenure (experience in years) has significantly positive correlation with job satisfaction, turnover intention, and role distance are negatively correlated with role overload and role stagnation. It somewhat validates report of ASSOCHAM (2012) that senior managers are more satisfied and faceless role overload. There is also less role stagnation at senior level as they are expected to climb less number of ladders in their career path, but in junior level there is more feeling of role overload as there is a feeling that they are not being compensated as much for the efforts they are putting in and also role in the organization does not make full utilization of their talent. Role distance is higher for the senior management in the banking sector, as with upgradation and adaptation of new technology; there is a possibility that there is feeling self-role distance among the seniors whereas junior management technology acceptability may be higher.
With a positive significant correlation coefficient 0.205, the survey suggests role overload is significantly higher in the employees of private sector than public sector though there is no significant difference between public and private sector banks in role stagnation or self-role distance.
Role overload and role stagnation are negatively correlated to job satisfaction and turnover intention. Job satisfaction seems to playing the mediating role between role overload and role stagnation on one hand and turnover intention, on the other hand. If we take 50% score as the cutoff then 62% of respondents have high role overload, 72% of respondents have high role self-distance, and 66% of the sample of respondents has high role stagnation. This shows the seriousness of the issue of role stress in the banking sector.
The regression analysis was carried out in following steps.
We regress the predicted variable job satisfaction with RODS scale constructs, role overload, role self-distance, and role stagnation and the control variables such work experience (tenure), gender, type of company.
We regress the predicted variable turnover intention with Job satisfaction, RODS scale constructs: Role overload, role self-distance and role stagnation, and the control variables such work experience (tenure), gender, type of company.
As in Step 2, we found that only variables which are significant predictors of both job satisfaction and turnover intention is role overload. Hence, we first regress turnover intention with role overload (c) by controlling effect of organization type.
Regress job satisfaction by role overload (a) by controlling the effect of type of organization.
Regress intention to leave with job satisfaction (b) by controlling the effect of both organization type and role overload.
The objective was to find if job satisfaction has a mediating effect on the relationship between role overload and turnover intention [Figure 2].
|Figure 2: Relationship between role overload, role stagnation, job satisfaction and turnover intention|
Click here to view
Now the regression coefficient (c) of role overload (is significant) for predicting turnover intention is − 0.22074 with a standard error of 0.071025. The regression coefficient (a) of role overload (is significant) for predicting job satisfaction is − 0.16012 with a standard error of 0.05285. The regression coefficient (b) of job satisfaction (is significant) when controlled for role overload for predicting turnover intention is 0.330503 with a standard error of 0.078126. The Sobel's statistics is −4.11918 with a standard error of 0.021485 and P < 0.01. This shows there is partial mediating effect of job satisfaction (40%) when role overload is used for predicting turnover intention. The ΔR2 for predicting turnover intention using role overload as the predictor is 5% when controlled for job satisfaction and the partial correlation coefficient between the two variables (role overload and turnover intention) is −0.17. The result is depicted through the schematic diagram given in [Figure 2]. Neither of organization type and work experience moderates the impact of role overload on job satisfaction nor job satisfaction on turnover intention with interaction effect being nonsignificant.
| Conclusion|| |
More than 60% of the employees, either working in private or public banks, are under high role stress in all the three dimensions of RODS scale, i.e., role overload, role self-distance, and role stagnation.
Post liberalization, banking sector is focusing on cross-selling of products along with the core banking products to provide one-stop shop for wide ranges of products. However, many times cross-selling are not able to meet its objectives which create a lot of stress on the employees. Role stress, especially, role overload negatively related to job satisfaction which supports the study by Lehal. Role stress is especially found to be higher in employees who directly interact with customers. An ASSOCHAM report states the requirement of attracting large pool of customers and recovering loans are home of the role stressors in the banking sector (www.assocham.org/prels). Sabir et al. (2003) suggest that increased interaction with computers, computer breakdowns, computer slowdowns, electronic performance monitoring, central processing system are some of the new age stressors. New age banking and lack of training are areas of concern for employees in the banking sector of India. Contrary to some other studies such as Malik this study suggests employees of private sector banks have higher levels of role overload and lower level of job satisfaction. Our finding, however, substantiates findings of Bano and Jha.
The reliability of the job satisfaction scale was found to be 0.85. Highest factor loading (0.72) was found to be for the item on the existence of promotional opportunity in the organization. The next highest loading of 0.67 was on the item which relates to “How satisfied are you with the type of leadership you have been getting from your supervisor?” This shows promotional opportunities in the organization, and organizational culture driven by the leadership are important for defining job satisfaction. The relation between role stresses (role overload) with turnover intention partially mediates through job satisfaction with 40% mediation effect.
Job satisfaction, however, not necessarily negates the impact on turnover intention as has been found in this study. As relationship between job satisfaction and turnover, the intention may mediate through various variables such as person-organization fit, commitment, ethical values., Applebaum et al. have found that though there is no strong relationship between job satisfaction and turnover intention but employees' organizational commitment can be improved through increased effective communication and ensuring that the organization's vision is shared and understood by employees. Further, some recent studies have also found that career opportunities in the job market may also lead to turnover intention. In our study, the average age of the respondents was 32 years with average work experience of 6.15 years. Most of the respondents, hence, were in career building and advancement stage. At this stage, commitment is generally more to the job than the company. Furthermore, banking sector is one of the sought after sector among MBAs as was found in ASSCOCHAM study. Performance-related variable pay is higher in private banks, and hence intention to leave is low, though role stress may lead to job dissatisfaction. What is required an organizational climate of collaboration, team dynamics, autonomy, and training and development to cope up effectively with role overload. Future research can attempt to find the mediating role of organizational climate, leadership, employee benefit policies in the relationship of organizational role stress on job satisfaction and turnover intention.
Financial support and sponsorship
Conflicts of interest
There are no conflicts of interest.
| References|| |
Narasimhan Committee. Report of the Committee on the Financial System. New Delhi: Government of India; 1991.
Atif M. Creditor Incentives and Privatization. Cambridge: Mimeo, MIT; 2000.
Ojha J. Productivity and profitability of public sector banks in India: An international comparison. State Bank India Mon Rev 1992;75:333-48.
Cammann C, Fichman M, Jenkins GD, Klesh JR. Assessing the attitudes and perceptions of organizational members. Assessing Organizational Change: A Guide to Methods, Measures, and Practices. Vol. 71. UK: Wiliey Publishers; 1983. p. 138.
Kahn RL, Wolfe D, Quinn R, Snoek J, Rosenthal R. Organizational Stress: Studies in the Role Conflict and Role Ambiguity. New York: John Wiley; 1964.
Peterson MF, Smith PB, Akande A, Ayestaran S, Bochner S, Callan V. Role conflict, ambiguity, and overload: A 21-nation study. Acad Manage J 1995;38:429-52.
Van De Vliert E, Van Yperen NW. Why cross-national differences in role overload? Don't overlook ambient temperature! Acad Manage J 1996;39:986-1004.
Bedeian AG, Armenakis AA. A path-analytic study of the consequences of role conflict and ambiguity. Acad Manage J 1981;24:417-24.
Rizzo J, House R, Lirtzman S. Role conflict and ambiguity in complex organizations. Adm Sci Q 1970;15:150-63.
House R, Rizzo J. Role conflict and ambiguity as critical variables in a model of organizational behavior. Organ Behav Hum Perform 1972;7:467-505.
Jackson S, Schuler R. A meta-analysis and conceptual critique of research on role ambiguity and role conflict in work settings. Organ Behav Hum Decis Process 1985;36:16-78.
Miles R. Role requirements as sources of organizational stress. J Appl Psychol 1976;61:172-9.
Szilagyi A. An empirical test of causal inference between role perceptions, satisfaction with work, performance, and organizational level. Pers Psychol 1977;30:375-88.
Schuler R. An integrative transactional process model of stress in organizations. J Occup Behav 1982;3:5-19.
Kemery ER, Bedeian AG, Mossholder KW, Touliatos J. Outcomes of role stress: A multisample constructive replication. Acad Manage J 1985;28:363-75.
Shirom A. Burnout in work organizations. In: Cooper C, Robertson I, editors. International Review of Industrial and Organizational Psychology. London: John Wiley and Sons; 1989.
Coverman S. Role overload, role conflict, and stress: Addressing consequences of multiple role demands. Soc Forces 1989;67:965-82.
Malik OF, Waheed A. The mediating effects of job satisfaction on role stressors and affective commitment. Int J Bus Manage 2010;5:223.
Bacharach SB, Bamberger P, Conley S. Work-home conflict among nurses and engineers: Mediating the impact of role stress on burnout and satisfaction at work. J Organ Behav 1991;12:39-53.
Larson LL. Internal auditors and job stress. Manage Auditing J 2004;19:1119-30.
Fineman S, Payne R. Role stress – A methodological trap? J Occup Behav 1981;2:51-64.
Bolino MC, Turnley WH. The personal costs of citizenship behavior: The relationship between individual initiative and role overload, job stress, and work-family conflict. J Appl Psychol 2005;90:740-8.
Brown SP, Jones E, Leigh TW. The attenuating effect of role overload on relationships linking self-efficacy and goal level to work performance. J Appl Psychol 2005;90:972-9.
Dhankkar S. Occupational stress in banking sector. Int J Appl Res 2015;1:132-5.
Elahi YA, Apoorva M. A detail study on length of service and role stress of banking sector in Lucknow region. Res J Manage Sci 2012;1:15-8.
Singh A, Dhawan N. A study of organizational stress and coping mechanism in public and private sector bank. In: Proceedings of XII Annual International Seminar, India Habitat Centre, New Delhi; 2014.
Sharma J, Devi A. Role stress among employees: An empirical study of commercial banks. Gurukul Bus Rev 2011;7:53-61.
Jain S, Sharma S, Jain R. Job satisfaction in banking: A study of private and public sector banks (Comparative Study). Int J Sci Technol 2011;2:40-8.
Chahal A, Chahal S, Chowdhary B, Chahal J. Job satisfaction among bank employees: An analysis of the contributing variables towards job satisfaction. Int J Sci Technol Res 2013;2:11-20.
Devi S, Suneja A. Job satisfaction among bank employees: A comparative study of public sector and private sector banks. Int J Res Manage Sci Technol2013;1:93.
Anantharam RN, Begum KS. Job involvement among bank employees. Indian J Appl Psychol 1982;19:11-3.
Bhatnagar R, Bose K. Organisational role stress and branch managers managers. Prajnan 1985;4:349-60.
Singh AP, Nath K. Effects of organisational climate, role stress and locus of control on job involvement of banking personnel. Indian J Ind Relat 1991:63-76.
Achmamba B, Gopikumar K. Locus of control and job involvement among men and women bank employees. Indian J Appl Psychol 1990;27:6-9.
Rajeshwari TR. Employee stress: A study with reference to bank employees. Indian J Ind Relat 1992;27:47-57.
Uma S. Paths to the job satisfaction of bank employees. J Organ Behav 1989;10:347-59.
Singh YK. Alienation Anxiety and Job Involvement as Factors Related to the Productivity of Blue-Collar Workers. Unpublished Doctoral Dissertation, Varanasi: B.H.U; 1981.
Nath K. Effects of Occupational Level, Authoritarianism and Job Involvement on Job Satis Faction of Blue Collar Workers. Unpublished Master Dissertation, Varanasi: B.H.U; 1980.
Srivastava AK, Singh MM. Perceived role stress as a function of ego-strength and job involvement of the managerial personnel. Psychol Stud 1983;28:8-12.
Singh AP, Mishra PC. Ego-strength as a moderator variable of the job involvement? Job satisfaction relationship. Psychol Stud 1984;29:9-12.
Shah FA. Role stress in the Indian industry: A study of banking organisations. Indian J Ind Relat 2003;38.3:281-96.
Raoa SG, Mohan SM, Pandey B. Stress management and performance status of employees of public and private banks. Indian J Sci Res 2014;9:158-62.
Schneider B, Bowen DE. Employee and customer perceptions of service in banks: Replication and extension. J Appl Psychol 1985;70:423.
Pugliesi K. The consequences of emotional labor: Effects on work stress, job satisfaction, and well-being. Motiv Emot 1999;23:125-54.
Pareek U. Organizational role stress. Pfeiffer's Classic Inventories, Questionnaires, and Surveys. Vol. 3. New Jersey: Wiley Publications; 1983. p. 319-29.
Sharma RR. Indian model of executive burnout. Vikalpa 2007;32:23.
Locke EA. Job satisfaction and role clarity among university and college faculty. Rev High Educ 1983;6:343-65.
Schneider B, Gunnarson SK, Wheeler JK. The role of opportunity in the conceptualization and measurement of job satisfaction. In: Cranny CJ, Smith PC, Stone EF, editors. Job Satisfaction: How People Feel about Their Jobs and How It Affects their Performance. New York: Lexington; 1992.
Kerr S, Schriesheim CA, Murphy CJ, Stogdill RM. Toward a contingency theory of leadership based upon the consideration and initiating structure literature. Organ Behav Hum Perform 1974;12:62-82.
Cranny CJ, Smith PC, Stone E. Job Satisfaction: How People Feel about Their Jobs. New York: Lexington; 1992.
Kline TJ, Boyd JE. Organizational structure, context, and climate: Their relationships to job satisfaction at three managerial levels. J Gen Psychol 1991;118:305-16.
James LR, James LA. Psychological climate and affect: Test of a hierarchical dynamic model. In: Cranny CJ, Smith PC, Stone EF, editors. Job Satisfaction: How People Feel about Their Jobs and How It Affects Their Performance. New York: Lexington; 1992. p. 89-117.
Fuchs V, Perrar K. A dynamic model of work satisfaction: Qualitive approaches. Hum Relat 1999;52:999-1028.
Fraser J, Kick E, Barber K. Organizational culture as contested ground in an era of globalization: Worker perceptions and satisfaction in the USPS. Sociol Spectr 2002;22:445-71.
Kim S. Participative management and job satisfaction: Lessons for management leadership. Public Adm Rev 2002;62:
Wagner JA 3rd
, LePine JA. Effects of participation on performance and satisfaction: Additional met a-analytic evidence. Psychol Rep 1999;84:719-25.
Daniels K, Bailey A. Strategy development processes and participation indecision making: Predictors of role stressors and job satisfaction. J Appl Manage Stud 1999;8:27-42.
Gaertner S. Structural determinants of job satisfaction and organizational commitment in turnover models. Hum Resour Manage Rev 2000;9:479-93.
Johnson J, McIntye CL. Organizational culture and climate correlates of job satisfaction. Psychol Rep 1998;82:843-50.
Agho AO, Mueller CW, Price JL. Determinants of employee job satisfaction: An empirical test of a causal model. Hum Relat 1993;46:1007-20.
Hom PW, Griffieth RW. Structural equation modeling test of turnover theory: Cross-sectional and longitudinal analyses. J Appl Psychol 1991;76:350-66.
Wright TA, Bonett DG. The effect of turnover on work satisfaction and mental health: Support for a situational perspective. J Organ Behav 1992;13:503-615.
March JG, Simon HA. Organisations. New York: Wiley; 1958.
Tett RP, Meyer JP. Job satisfaction, organizational commitment, turnover intention: Path analyses based on meta-analytic findings. Pers Psychol 1993;46:259-93.
Muchinsky PM, Morrow PC. A multidisciplinary model of voluntary employee turnover. J Vocat Behav 1980;17:263-90.
Hatcher T. How multiple interventions influenced employee turnover: A case study. Hum Resour Dev Q 1999;10:365-82.
Sturman MC, Trevor CO, Boudreau JW, Gerhart B. Is it worth it to win the talent war? Evaluating the utility of performance-based pay. Pers Psychol 2003;56:997-1036.
Abrams D, Ando K, Hinkle S. Psychological attachment to the group: Cross-cultural differences in organizational identification and subjective norms as predictors of workers' turnover intentions. Pers Soc Psychol Bull 1998;24:1027-39.
Lee TW, Mowday RT. An empirical investigation of Steers and Mowday's model of turnover. Acad Manag J 1987;30:721-43.
Michaels CE, Spector PE. Causes of employee turnover: A test of the Mobley, Griffeth, Hand, and Meglino model. J Appl Psychol 1982;67:53.
Trevor CO. Interactive effects among actual ease of movement determinants and job turnover intentions. Pers Soc Psychol Bull 2001;24:1027-39.
Hom PW, Hulin CL. A competitive test of the prediction of reenlistment by several models. J Appl Psychol 1981;66:23-9.
Hom PW, Katerberg R Jr., Hulin CL. Comparative examination of three approaches to the prediction of turnover. J Appl Psychol 1979;64:280-90.
Miles JN. Confirmatory factor analysis using Microsoft Excel. Behav Res Methods 2005;37:672-6.
Baron RM, Kenny DA. The moderator-mediator variable distinction in social psychological research: Conceptual, strategic, and statistical considerations. J Pers Soc Psychol 1986;51:1173.
Rosen TA. Why your bank will fail at cross-selling. Commer Lending Rev 2004;19:41.
Bansal S, Bhatia BS. Cross selling strategies and employees stress: A study of commercial banks. J Bus Manage Soc Sci Res 2014;3:15-24.
Lehal R. A study of organisational role stress and job satisfaction among executives in Punjab. Indian Manage Stud J 2007;11:67-80.
Kamal R, Sengupta DA. Study of job satisfaction of bank officers. Prajnan2009;37:229-45.
Awasthy R, Chandrasekaran V, Gupta RK. Top down change in a public sector bank: Lessons from employees' lived-in experiences. J Indian Bus Res 2011;3:43-62.
Malik NA. Study on occupational stress experienced by private and public banks employees in Quetta City. Afr J Bus Manag 2011;5:3063-70.
Bano B, Jha RK. Organizational role stress among public and private sector employees: A comparative study. Lahore J Bus 2012;1:23-36.
Jaramillo F, Grisaffe DB, Chonko LB, Roberts JA. Examining the impact of servant leadership on salesperson's turnover intention. J Pers Selling Sales Manage 2009;29:351-65.
Moynihan DP, Pandey SK. The ties that bind: Social networks, person-organization value fit, and turnover intention. J Public Adm Res Theory 2008;18:205-27.
Applebaum D, Fowler S, Fiedler N, Osinubi O, Robson M. The impact of environmental factors on nursing stress, job satisfaction, and turnover intention. J Nurs Adm 2010;40:323-8.
Mosadeghrad AM, Ferlie E, Rosenberg D. A study of the relationship between job satisfaction, organizational commitment and turnover intention among hospital employees. Health Serv Manage Res 2008;21:211-27.
Jackson, Susan E., and Christina Maslach. After effects of job related stress: Families as victims. Journal of organizational behavior 1982;3.1:63-77.
Kanter, Moss R. Work and family in the United States: A critical review and agenda for research and policy. Russell Sage Foundation; 1977.
Eylon, Dafna, Bamberger P. Empowerment cognitions and empowerment acts recognizing the importance of gender. Group & Organization Management 2000;25.4:354-72.
Lee T, Mitchell T, Holtom B, McDaniel L, Hill J. The unfolding model of voluntary turnover: A replication and extension. Academy of Management Journal 1999;42:450-62.
Griffeth, Rodger W, Hom PW, Gaertner S. A meta-analysis of antecedents and correlates of employee turnover: Update, moderator tests, and research implications for the next millennium. Journal of management 2000;26.3:463-88.
Sabir IG, H Helge. Violence and stress at work in financial services. Work Paper 2003;6.21:210-6.
[Figure 1], [Figure 2]
[Table 1], [Table 2], [Table 3], [Table 4]