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    Table of Contents

    1. INTRODUCTION..............................................................................................................21.1. Banking Sector............................................................................................................3

    1.2. The Problem Statement...............................................................................................41.3. Importance of Study....................................................................................................41.4. Limitations...................................................................................................................5

    2. LITERATURE REVIEW...................................................................................................62.1. Key terms.....................................................................................................................62.2. Causes of Job Stress....................................................................................................82.3. Impact of Stress on Employees Job Performance.......................................................92.4. Relationship between Job Stress and Job Satisfaction..............................................102.5. Consequences of Stress.............................................................................................112.6. Handling Job Stress...................................................................................................11

    3. RESEARCH DESIGN.....................................................................................................12

    3.1. Population/Sample Size.............................................................................................123.2. Sampling Techniques................................................................................................123.3. Measurement/Instrument Selection...........................................................................123.4. Software Employed...................................................................................................13

    4. DATA ANALYSIS..........................................................................................................144.1. Analysis of All Variables..........................................................................................14

    4.1.1 Reasons of Job Stress..............................................................................................394.1.2 Relationship between Stress and Job Performance.................................................414.1.1Correlation of Job Stress and Performance.............................................................424.1.2 Possible Consequences, When Managers Are Under Stress...................................434.1.2 To Explore the Techniques Managers Adopt To Handle Stress.............................44

    FINDINGS...............................................................................................................................45AREAS FOR FURTHER RESEARCH...................................................................................47CONCLUSION........................................................................................................................48REFERENCES.........................................................................................................................49Appendix..................................................................................................................................51Appendi

    1. INTRODUCTION

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    Stress is one of the scientific terminologies for biological and psychological for deficiencies

    forced by internal and external factors of individual surroundings.

    Managerial stress is a type of stress which is caused by different problems that manager faces

    in order to achieve organizational goals through other people. The finance oriented

    organizations are observed to be more stressed because there are predetermined targets for

    managers to achieve.

    The middle managers are one who has to communicate and manage things with upper

    management and front line management which make their job more stressful.

    Different middle managers are having stress due to variety of reasons related to nature of

    their job and organization. The consequences of stress at manager level lead to different

    physical, biological, behavioral and cognitive problems. However to manage the stress

    middle managers try many techniques but the effectiveness of those techniques is

    unconvinced.

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    1.1. Banking Sector

    Financial Sector in Pakistan possesses a wide spectrum of financial institutions - Commercial

    banks, specialized banks, national savings schemes, insurance companies, development

    finance institutions, investment banks, stock exchanges, corporate brokerage houses, leasing

    companies, discount houses, micro-finance institutions and Islamic banks. They offer a whole

    range of products and services both on the assets and liabilities side. Financial deepening has

    intensified during the last several years but the commercial banks are by far the predominant

    players accounting for 90 percent of the total financial assets of the system.

    Among the commercial banks, 12 foreign and 20 domestic banks together hold 80% of thebanking system assets - a feat that is unparalleled among developing countries. Foreign banks

    enjoy the same facilities and same access as the domestic banks and there is no preferential

    treatment for domestic institutions. Unlike many countries, foreign banks can have 100

    percent ownership, can open their branches or establish local subsidiary with full ownership.

    Foreign companies are also provided level playing fields as they can raise finances of all

    types and tenures from the domestic banking system.

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    1.2. The Problem Statement

    There has been observation that nowadays managers are facing problem of balancing their

    personal and professional life. The major reason known behind this problem is stress at

    workplace. The research objectives are to identify the reasons of stress, consequences of

    stress, how middle managers of target population fight with problems and manage the stress.

    Research was conducted to find out this problem faced by managers and its increasing effect

    on job performance.

    Overall Objectives

    This research was conducted to achieve following objectives:

    To find out reasons of stress among middle managers of MCB.

    Analyzing the relationship between stress and job performance.

    What are the possible consequences, when managers are under stress?

    To explore the techniques managers adopt to handle stress.

    1.1. Importance of Study

    The research consists on stress management among the middle managers. The importance ofthis study is that it will highlight the reasons and consequences of stress among middle

    managers of MCB in Clifton area branches. Our study will give the benefit to professional

    and adding in their knowledge that how stress prevails; they will come to know the actual

    reasons of stress among middle managers. Not only this but the research will also provide

    information that how middle managers handle stress, and what can be other possible ways to

    avoid those activities that create stress.

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    1.2. Limitations

    Following are the limitations of our research:

    This research was conducted only in Clifton area.

    The respondents were middle managers of MCB.

    Time of research was limited with two and half months.

    Majority respondents estimated to be male.

    Sample size was 50 respondents equally distributed in MCB Clifton branches.

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    1.LITERATURE REVIEW

    1.1. Key terms

    Stress:

    Health and Safety Executive define stress as the adverse reaction people have to excessive

    pressure or other types of demand placed upon them. (Jane Cranwell et, al., 2005)

    Authors define that stress occurs when there is a perceived imbalance between pressure and

    coping resources for a particular situation. (Jane Cranwell et, al., 2005)

    Managerial Stress:

    People or managers who have to make things happen are subjected to 'Managerial Stress'.

    Now days the term 'target completion' is a prime cause of managerial stress. Competition and

    survival form the primary factor for stress. In the managerial scene of term, the real solution

    is however is to recognize that stress control is a leadership responsibility. Emphasizes the

    need to identify and deal with basic causes. Organizational realities are that managers often

    have to work out their own salvation and the technique of role set analysis can be directly

    applied by individual managers. It can also be used on a departmental workshop basis and as

    a strategic concept at organization level. (W. David Rees, 1997)

    Job Performance:

    Job performance is the net effect of an employees effort in terms of abilities, role

    perceptions, and results produced. This implies that performance in a given situation can be

    viewed as resulting from the interrelationships among effort, abilities, role perceptions, and

    results produced. Effort refers to the amount of energy an employee expends in performing a

    job. Abilities are personal characteristics used in performing a job. Role perception refers to

    the direction in which employees believe they should channel their efforts on their jobs.

    (RUE, ed.9th)

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    Job Turnover:

    Job turnover is the rotation of workers around the labor market; between firms, jobs and

    occupations; and between the states of employment and unemployment. The term turnoveris defined as: the ratio of the number of organizational members who have left during the

    period being considered divided by the average number of people in that organization during

    the period. Frequently, managers refer to turnover as the entire process associated with filling

    a vacancy: Each time a position is vacated, either voluntarily or involuntarily, a new

    employee must be hired and trained. (Henry Ongori, 2007)

    Workplace:

    Management studies define Workplace as a place (as an Office, shop or factory) where work

    is done. (American Webster)

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    1.2. Causes of Job Stress

    The cause of stress varies from different aspects of stress and related domain it is studied.

    Causes such Administrative bottlenecks and work pressure have a moderate effect on stress

    and Job insecurity and work environment has a low effect on stress. (Mrs.Vishal Samartha et

    al.) Researcher revealed that; out of five organizational variables namely three areas; conflict,

    blocked career, and alienation have positive relationships with job stress. Work overload and

    unfavorable work environment on the other hand, have no relationship with job stress. (Aizzat

    et al., 2005)

    Organizational factors in the form of role overload and conflict and ease of finding a job withbetter interpersonal characteristics has the largest effects on job stress. (Caroline A. Gaither

    et, al., 2008). Fear of obsolescence is the most contributing factor job Stress, Client

    Orientation and work load are next contributing causes. (Zaki & Dr.Amanat, 2009). The

    causes in a particular school and identified that; there are eight major causes of stress among

    teachers. Management style and expectation of the principal, pupils misbehavior lessons

    observation for teachers assessment (appraisal), excess amount of meetings, anxiety over

    pupils test and examination results, the implementation of Language Proficiency

    Requirement (LPR), additional work demands outside the normal school hours, not enough

    time for marking pupils assignments and assessments. (Yip Kim Shaun, 2009)

    The level of stress is significantly more among managers. The inadequacy of experienced

    staff about banks was considered to be one of reasons for increased level of stress. The study

    found that the less number of staff was considered as another important reason for increased

    level of stress. (W R P K Fernando, 2007)

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    1.3. Impact of Stress on Employees Job Performance

    The burden of stress is also varying on the nature and position of the job, stress also increases

    with the designation. (Laiba Dar)

    Stress is vigorous state in which a person is confronted with an opportunity, demand, or

    resource related to what the individual wishes and for which the outcome is perceived to be

    both vague and vital. So the purpose of this research was that to know the impact of stress on

    employees job performance. The results are significant with negative correlation between

    job stress and job performances and shows that job stress significantly reduces the

    performance of an individual. Organization should facilitate supportive culture within theworking atmosphere of the organization (Usman and M. Ismail, 2010)

    Performance is hindered by job description conflict because with it the individual faces either

    a lack of knowledge about the most effective behaviors to engage in or an almost impossible

    situation for doing everything expected. Therefore, increasing formal organizational

    communication with employees reduces the uncertainty by lessening the role ambiguity and

    role conflict. Open Communication has an advantage of resolving conflicts between

    supervisors and sub ordinates. Lack of effective communication could cause unresolved

    conflicts that will increase the stress level. (Rubina, et al. 2008)

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    1.4. Relationship between Job Stress and Job Satisfaction

    Stress in organizations creates hindrances in job performance; it decreases efficiency and

    effectiveness of job. So there is significant negative relationship between job stress and job

    satisfaction. (Nilufar Ahsan et. al., 2009). In a particular teaching hospital majority of doctors

    working at these teaching hospitals of has poor satisfaction level and higher levels of job

    stress. (Ali Khwaja et, al.)

    It may be said that young adults experience of high stress has resulted in their significantly

    low job satisfaction. Similarly low occupational stress experienced by late middle aged

    related to their relatively higher job satisfaction scores than the younger group. (K.Chandraiah et, etl, 2003)

    A Schematic diagram of the conceptual framework(Nilufar Ahsan et. al., 2009)

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    1.5. Consequences of Stress

    Mental health problems will increase if work stress spills over to the family and consequently

    causes work-family conflict. (Steven Poelmans, 2001)

    Managers report higher level of mental strain. An explanation can be found in longer working

    hours and higher work stress, which in turn cause work-family conflict. (Poelmans Steven et

    al., 1999)

    Unhealthy job stress among the people responsible in assisting the future generations

    education will ultimately affect their intellectual and social abilities. Failure of theeducational institutions in providing a healthy working environment or even a working

    environment with the minimal level possible of unhealthy job stress would lead to many more

    problems in the near future, especially in the employees work performance in teaching

    students and administrative part of the university. (Nilufar ahsan et. al., 2009)

    1.6. Handling Job Stress

    The results of this study indicate that in a particular hospital setting who have been working

    for more years, experience less job stress than who have been working for fewer years.

    Therefore, job stress appears to mediate the relationship between work experience and better

    heath among nurses. (Deanna Stewart, 2008). Both employer and employees are responsible

    when it comes to the issue of handling stress. Because it is the institution, internal and

    external environment that cause the stress, the employees face the stress, and the employers

    and students that will experience the effect of the stresses experience by the university staffs.

    (Nilufar ahsan et. al., 2009)

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    2.RESEARCH DESIGN

    This research is based on Qualitative and Quantitative data, and while doing this research

    mostly we preferred the primary source like survey questionnaire and secondary sources like

    research journals, internet and course book.

    2.1. Population/Sample Size

    The Population for the research is all middle managers working in MCB Clifton area

    branches. Sample size for research was 50 from Clifton branches only given below.

    2.2. Sampling Techniques

    Sampling technique is non-probability for the research. The method of non-probability

    sampling chosen was convenient sampling technique.

    2.3. Measurement/Instrument Selection

    Primary data: The research heavily relies on the primary data. Primary data was collectedvia questionnaires. Questionnaire used in the research was structured and non-disguised

    containing 21 questions.

    Secondary data: Secondary data was mainly collected through websites, campus library,

    online thesis, research reports, articles, and other related information regarding the topic and

    were used by the researchers for the literature review. Secondary data set the tone of the

    research and provided the researchers with a main framework to conduct the research.

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    2.4. Software Employed

    The researcher used SPSS to develop and structure the research. SPSS software was used for

    coding of the data collected and much of the analysis was done through SPSS .The

    Quantitative research would use the responses of the questionnaires and with the help of

    statistical software, SPSS, conduct statistical measures on the data and use cross-sectional

    analysis to understand the relationship between the variables. Based on the questionnaire

    results researcher were able to find all-important factors that are responsible in causing stress

    to Managers, handling techniques and consequences of managerial stress.

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    3.DATA ANALYSIS

    Below is data analysis of the managerial stress among middle managers of MCB in Clifton

    area. Analyses consist of comparisons and co-relation of various variables such as huge

    targets and unsupportive employers as well as company policies and work overload effects on

    with job stress related.

    3.1. Analysis of All Variables

    Table 1:

    DEMOGRAPHIC STATISTICS

    Gender Branch Age Designation Qualification Employed Since

    N Valid 50

    Missing 0 0 0 0 0 0

    Mean 1.05 1.97 2.56 1.00 1.65 2.17

    Mode 1 1 2 1 2 1

    The research demographic results show that out of total response received 45(90%) were

    males and 5 respondents were females (10%). The sample ratio of organizations was 50. The

    respondents were middle managers having different titles. The qualification statistics showsthose 24 bachelors and 26 masters. The job experience of respondents varies with 38%

    having less than 5 years experience, 34% having 5 to 10 years experience, 7% having 11 to

    15 years experience, 3 having 16 to 20 years experience and 10% having more than 20 years

    experience.

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    Table 2:

    STATISTICS

    AnxietyLevel

    Headache atWorkplace

    JobStress

    Time Period of JobStress

    Job OverBurden

    N Valid 50 50 49 48 50

    Missing 0 0 1 2 0

    Mean 2.38 4.14 2.78 2.83 3.28

    Mode 1 5 4 4 4

    Graph 1:

    As, the above bar chart clearly demonstrate that, with no missing value there are total of 50

    respondents out of which 36.92 % and 24.62 % respondents are showing that they have very

    low and low anxiety level respectively, whereas 11.54% respondents have normal and other

    17.69% and 9.23% have high and very high level of anxiety during working hours

    respectively.

    Mean: The average response of the respondents is that; they have low level of anxiety

    during working hours.

    Mode: The greater part of respondents has indicated that; they have very low level of

    anxiety during working hours.

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    Graph 2:

    According to the above bar chart, there are total of 50 respondents with no missing value.

    51.54% respondents are having headache due to the nature of work, whereas 30%

    respondents never feel headache at all, and remaining 7.69%, 6.92% and 3.85% respondents

    feel headache every day, once a week and twice a week respectively.

    Mean:The average response of the respondents is that; they never feel headache in their

    workplace.

    Mode: The majority of respondents have indicated that; headache we feel totally depends

    upon the nature work.

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    Graph 3:

    The above bar chart entails that; there are total of 49 respondents with only 1 missing value.

    Out of which 31.01% respondents are having high stress and 13.18% are having very high

    level of job stress. Whereas 30.23% and 19.38% respondents are having very low and low

    stress respectively, finally remaining 6.20% have stress but quite manageable.

    Mean:The average response of the respondents is that; they have job stress but at normal

    level.

    Mode: The majority of respondents have placed themselves at high level of job stress. This

    means they have high job stress.

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    Graph 4:

    Above variable is to identify stress period in MCB Defense branches. Result of this variable

    will shows that since how mangers are working in current organization. Result shows that

    21.88% respondents had less than one month stress, 17.97% had stress from 1-3 months,

    14.84% respondents had particular stress for more than 3 months, 45.31% had respondents

    had variable time period of stress. Remaining 1.56% response was missing.

    Mean: The average response of the respondents is that; they are suffering with this

    particular job stress for more than 3 months.

    Mode: The repetitive value of this variable is showing that there is variance in time period

    of job stress.

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    Graph 5:

    From the above data we can understand that; with no missing response we have all 50

    responses intact, so here 39.23% respondents agree that they are over burdened with their

    work and 20.77% do strongly agree with this statement, whereas other 26.15% respondents

    disagree with this statement and remaining 13.08% respondents do not have overburden work

    at all with just only 0.77% respondent has normal burden work in his job.

    Mean: The average response of the respondents is that; they have neither high workload nor

    low it is normal and quite manageable.

    Mode: The greater part of respondents has indicated that; they are over burdened with their

    work means their workload is high.

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    Table 3:

    STATISTICS

    StressfulAspect of

    Work

    Relationshipwith Boss

    Fear of Losing Jobon Not Achieving

    Target

    Happy withCompany

    Policies

    Effort to WorkDuring Work

    Stress

    N Valid 49 50 50 50 48

    Missing 1 0 0 0 2

    Mean 3.05 4.18 2.83 3.78 1.58

    Mode 3 4 2 4 1

    Graph 6:

    There are a total of 49 responses intact out of which only 1 missing value found. Here

    36.43% respondents pointed out that huge targets are causing stress, 27.91% respondents feel

    that unreasonable hours of work is the aspect of stress, whereas remaining 14.73% and

    11.63% respondents identified narrow deadlines and unsupportive employer respectively

    whereas remaining 9.30% respondents identified some any other aspects of stress and 0.78%

    response is missing.

    Mean: The average response of the respondents is that; huge targets are causing the stress.

    Mode: The majority of respondents pointed out that; huge targets are causing the stress.

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    Graph 7:

    The above data describes that there is no missing response from 50 responses. So, 44.62%

    and 42.31% respondents have strong and very strong bonding with their boss respectively and

    9.23% respondents have fragile relationship while just 0.77% has very weak relation and

    finally only 3.08% respondents have neutral and normal relationship with their boss.

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    Mean: The average response of the respondents is that; they are having strong relationship

    with their boss.

    Mode: The majority of respondents have indicated a strong relationship with their boss.

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    Graph 8:

    There are total 50 responses with no missing value. 34.62% and 26% respondents have not

    any fear to lose their job thats why either they are disagree or strongly disagree with the

    statement, whereas 28.46% and 6.15% respondents are either agree or strongly agree that;

    they have fear to lose job. Finally only 3.85% respondents have neutral opinion about losing

    their job.

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    Mean: The average response of the respondents is that; they have medium level of fear of

    losing their job on not achieving their targets.

    Mode: Majority of respondents has indicated that; they have no fear of losing their job onnot achieving the targets.

    Graph 9:

    The statistics for this variable show that 40% managers of total sample are quite fine

    company polices, 34.4% respondents are happy with company policies, where as 21.1% are

    extremely happy with company policies. Remaining 4.4% respondents are not happy with

    company policies. So this result shows that majority of managers are happy with their

    company policies.

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    Mean: The normal response of the respondents is that; they are happy with company

    policies.

    Mode: The majority of respondents are happy with the company policies.

    Graph 10:

    Out of total of 50 respondents only 2 missing respondents value is found. Here 53.13%

    respondents give always more effort to their work, 35.94% respondents sometimes give effort

    and whereas only 10.94% respondents do not give more effort to their work.

    Mean: Here the average response of the respondents can be bit vary than above responses, it

    is because of the nature of mean, so the average response is that; respondents tend to give

    more effort to their work either always or sometimes.

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    Mode: Majority of respondents always gives more effort to their work when they are under

    stress.

    Table 4:

    STATISTICS

    Adequate Time

    For Achieving

    Targets

    Which

    Tasks

    Cause more

    Stress

    Stress Effecting

    Adversely

    Relationship with

    Colleagues

    More Ideas

    When

    Under

    Stress

    Effect of Stress

    on Job

    Performance

    N Valid 49 47 47 48 49

    Missing 1 3 3 2 1

    Mean 3.93 2.06 3.59 3.73 2.33

    Mode 4 1 4 4 2

    Graph 11:

    Here the total number of responses is 49 with only one missing response. 56.59% and 27.13%

    respondents acquire enough time for achieving the targets whereas 11.63% and 3.10%

    respondents do not get enough time to achieve their targets, while only 1.55% respondents

    are neutral with this statement, this means that; neither they get enough time nor less.

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    Mean: The average response is that; respondents get enough time to achieve their targets.

    Mode: The majority of respondents have indicated that they get sufficient time forachieving their targets.

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    Graph 12:

    From the total response of 47 respondents with 3 missing value, we can understand that there

    are 51.18% respondents who think that short term tasks causes the stress, 16% thinks that

    long term tasks and 7.87% entails that both short and long term tasks causes the stress,

    whereas 24.41% respondents thinks that there is no relation between task and stress.

    Mean: The average response is that; long term tasks are causing the stress to the

    respondents.

    Mode: The majority of respondents have pointed out that sort term task causes the stress to

    them.

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    Graph 13:

    From the above data we can understand that; with 3 missing response we have 47 responses

    intact, so here 49.61% respondents agree and 19.69% respondents strongly agree that; stress

    negatively affect the relation with their colleagues and 25.20% respondents disagree and

    2.26% are strongly disagree that stress does not affect adversely on the relation with

    colleagues where as only 4 respondents have neutral opinion regarding this statement.

    Mean: The average response of the respondents is that; their relationship with their

    colleagues negatively affected when they are under stress.

    Mode: The majority of respondents have pointed out that; their relationship with their

    colleagues becomes unpleasant when they are under stress.

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    Graph 14:

    With 2 missing value the response rate comprises of 48 respondents. Here 42.19%

    respondents agree and 15.63% are strongly agree that; they give more ideas whenever they

    are under stress and 30.47% respondents disagree and 4.69% are strongly disagree that; they

    cant provide new and innovative ideas under stress, whereas remaining 7.03% respondents

    have normal tendency to provide new ideas under stress.

    Mean: The average response of the respondents is that; they do not able to generate more

    ideas, when they are under stress.

    Mode: The majority of respondents identified that; they cannot give or produce more ideas

    when they are under stress.

    Graph 15:

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    As the above statistical data entails that; there are 49 responses with only one missing value.

    So, 33.33% respondents says that stress badly affect on their job performance and 30.23%

    respondents express that; their performance level increases as stress prevails and 25.58%

    respondents indicate that; affect on performance is totally depends upon the task, the

    performance can be increased or decreased according to the nature of task. And remaining

    10.85% respondents feels that stress has no any effect on job performance.

    Mean: The average response is that; respondents performance is negatively affected by the

    stress, means their performance gets lower when they are under stress.

    Mode: The majority of respondents identified that; stress negatively affects their job

    performance, so as the stress will be higher the performance will be lower.

    Table 5:

    STATISTICS

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    Element

    of Job

    Effected

    Most

    Immediate

    Feeling When

    Under Stress

    Feeling of

    Switching

    Organization

    When Under

    Stress

    Reasons of

    Switching

    Previous

    Organization

    (Salary)

    Reasons of

    Switching Previous

    Organization

    (Work

    Environment)

    N Valid 47 47 47 31 31

    Missing 3 3 3 19 19

    Mean 2.87 3.90 2.46 3.48 3.05

    Mode 3 5 3 5 1a

    a. Multiple modes exist. The smallest value is shown

    Graph 16:

    The above table describes that there is 3 responses missing and 47 responses are intact. So,

    32.80% respondents feel difficulty in understanding the tasks, 22.40% respondents job

    involvement decreases, 17.60% become lazy, 4.80% respondents use not to go to their

    offices, whereas remaining 22.40% have selected the other option in which individuals have

    mentioned their own element.

    Mean: The average response is that; respondents get lazy when they feel stressed.

    Mode: The majority of respondents identified that; they become lazy when they are under

    stress.

    Graph 17:

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    There is 3 missing responses and total of 47 responses. 37.01% respondents immediate feel

    tension, 20.47% feel anger, 11.81% get headache, 9.45% get fatigue, 4.72% respondents do

    not feel comfortable and remaining 16.54% respondents have other than given feeling.

    Mean: The average response is that; respondents immediate feel headache this means their

    mental condition disturbs due to stress.

    Mode: The majority of respondents pointed out that; they get tension and they feel nervous

    as they go through from stress.

    Graph 18:

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    In this question there are 3 missing and 47 valid responses. Here, 59.06% respondents have

    never felt to leave the organization, 28.35% respondents many of the times think to leave

    whereas only 12.60% respondents always and every time feel to leave their organization due

    to stress.

    Mean: The average response is that; respondents do not all the time thinking to leave

    organization due to existing job stress, but most of the time they think to leave.

    Mode: The majority of respondents spotted that; leaving the organization is not in their

    category, so they never felt to leave organization.

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    Graph 19:

    This question was only for those respondents who previously worked in some other

    organization then left it. So thats why missing response is 19 and valid response is 31.

    According to this response rate, 46.25% respondents and 15% respondents left the

    organization due to the salary problem and 22.5% and 15% respondents reason of switching

    was not salary. While remaining 1.25% respondents reason was salary up to some extent.

    Mean: The average response respondents identified that; salary was also bit reason of

    leaving previous organization.

    Mode: The majority of respondents spotted that; leaving the previous organization was

    definitely due to the salary.

    .

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    Graph 20:

    This question was only for those respondents who previously worked in some other

    organization then left it. So thats why missing response is 19 and valid response is 31.

    According to this response rate, 33.33% and 17.28% respondents left the organization due to

    the work environment problem and 33.33% and 12.35% respondents reason is not so while

    remaining 3.70% respondents reason was unfavorable work environment up to some extent.

    Mean: The average response respondents identified that; work environment was the reason

    of leaving the previous organization at some extent.

    Mode: The majority of respondents highlighted that; leaving the previous organization was

    extremely not due to the work environment.

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    Table 6:

    STATISTICS

    Reasons of

    Switching

    Previous

    Organization

    (Over Workload)

    Reasons of

    Switching

    Previous

    Organization

    (Stress)

    When Under

    Stress

    Immediate

    Action

    Practices

    to Handle

    Job Stress

    Effectiveness of

    Technique Used

    to Handle Job

    Stress

    N Valid 31 30 46 46 46

    Missing 19 20 4 4 4

    Mean 2.21 2.23 2.02 3.49 3.58

    Mode 1 1 2 4 4

    Graph 21:

    This question was only for those respondents who previously worked in some other

    organization then left it. So thats why missing response is 19 and valid response is 31.

    According to this response rate, 48.15% and 20.99% respondents reason was not the

    workload whereas 12.35% and 13.58% respondents reason is the high workload in previous

    organization while remaining 4.94% respondents reason was the workload but up to some

    extent.

    Mean: The average response respondents identified that; workload was not the reason for

    switching previous organization.

    Mode: The majority of respondents identified that; leaving the previous organization wasextremely not due to the over workload.

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    Graph 22:

    This question was only for those respondents who previously worked in some other

    organization then left it. So thats why missing response is 20 and valid response is 30.

    According to this response rate, 28.46% and 13.85% respondents did not leave the previous

    organization due to stress whereas 8.46% and 7.69% respondents reason was the high stress

    in previous organization while remaining 2.31% respondents reason was the stress but up to

    some extent.

    Mean: The average response respondents identified that; stress was not the reason of

    switching previous organization.

    Mode: The majority of respondents identified that; leaving the previous organization was

    extremely not due to the stress.

    Graph 23:

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    According to this data, there are 4% missing responses found and 46 valid responses. Now,

    58.40% respondents trying doing something enjoyable when they feel stressed, 24%

    respondents take some other actions as they see signs of stress and remaining 17.6%

    respondents do not take any action when they are under stress.

    Mean: The average response of the respondents is that; they trying to do something

    enjoyable as they feel stressed.

    Mode: The majority of respondents highlighted that; they do something enjoyable when

    they feel themselves stressed.

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    Graph 24:

    As the data entails that there are 3.08% missing responses and 46 valid responses are intact.

    So, 32.31% respondents use to delegate the task as the technique to reduce the stress, 24.62%

    respondents follow their other own practices, 20.77% respondents exercise, 14.62% use to

    take medicine as the practice to reduce the job stress and reaming 4.62% respondents adopt

    the practice of meditating.

    Mean: The average response respondents pointed out that; either they do exercise or they

    delegate task in order to reduce their stress.

    Mode: The majority of respondents identified that; they delegate the task to get out of

    themselves from stress.

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    Objective Analysis

    These statistics are presented to analyze the variables which were part of research objectives.

    Below statistics are going to justify that either research objectives achieved or not.1.1.1. Reasons of Job Stress

    Interpretation:

    Statistics shows that there are 50 respondents, and there are no missing values. But to know

    the reasons of stress among mangers, those respondents response is excluded who has no

    stress, because only stressful managers can tell the actual reasons of their stress.

    The statistics shows that, the mean of their stress is 3.54 and mode is 4, which defines that

    the managers have high stress and other options mentioned above indicate the reasons of

    their stress.

    The score of mean ofJob overburden is 3.5 and mode is 4, and result shows that 10%

    managers are strongly disagree and 21.1% are disagree that they are over burdened. But

    only 1.1% managers have selected the neutral option, where as 44.4% managers are

    agree and 23.3% managers are strongly agree with the point that they are given more

    tasks then required. It means majority (67.7% managers) think that they are over burden.

    It shows that only 1.1% managers relationship with their supervisor is very weak and11.1% managers relationship with their supervisor is weak. And only 3.3% managers

    have selected the neutral option. Whereas 52.2% managers relationship with their

    supervisor is strong and 32.2% managers say that their relationship with supervisors is

    very strong. Therefore the mean of this is 4.03 which indicate that managers relationship

    is strong with their supervisors.

    Statistics illustrates that 60% of managers have no fear of losing their job, if they will

    not achieve their given task. And 3.3% managers have selected the neutral option. On the

    other hand 30% managers agree and 6.7% managers are strongly agreed with the point

    that they have fear to lose job on not achieving the target.

    Results show that only 4.4% managers are extremely not happy with their company

    policies. And the Majority ofmanagers are happy with their company policies. 40%

    managers say that they are ok with it and 34.4% managers say, they are happy with their

    company policies. Whereas 21.1% managers are extremely happy with the policies of

    their companies.

    Only 1.1% managers strongly disagree with the point that they are given adequate timeto achieve the targets. And 14.4% mangers disagree with this point. Only 1.1% manager

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    has selected neutral. On the other hand 62.2% managers believe that they are given

    adequate time and 21.1% managers have strong belief that they get enough time to

    achieve their targets.

    Statistics also demonstrate the stressful aspect of work. 15.6% managers believe that due

    to narrow deadlines they are under stressed at work place. 12.2% managers think that

    their employers are not supportive which create stress for them. Results show that 35.6%

    managers believe that huge targets create stress. Whereas 31.1% managers argue that

    unreasonable hours of work create stress. And only 5.6% managers believe that there are

    other stressful aspects of work other than these.

    According to 46.7% managers short term tasks create more stress. But 17.8 managers

    believe that only long term tasks create stress. And 11.1% managers suggest, both short

    term and long term tasks can create stress. Whereas 24.4% managers believe that neither

    short-term nor long-term tasks create stress. They believe that there is no relationship

    between tasks and stress.

    Analysis:

    According to above findings, research determines that huge targets, unreasonable working

    hours and over workload are the main reasons of stress among managers. Results also

    indicate that nature tasks also create stress because majority of managers said that short term

    tasks create stress. First objective of research is achieved from above data analyses .

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    4.1.2 Relationship between Stress and Job Performance

    Analysis:

    Results show that 52.8% managers put more effort to work when they are under stress and

    36% managers have selected the second option sometimes, it means sometimes they put

    more effort to work and sometimes not. And only 11.2% managers are not agreed with the

    point that they put even more efforts to work when they are under stress. Whereas only one

    manager has not answered this question, therefore there is missing value.

    This question is asked because relationship with colleagues also affects job performance; if

    stress adversely affects this relationship then we can say that stress also adversely affects job

    performance. According to the survey only 1.1% manager is strongly disagreed and 25.8%managers disagree that stress adversely affects relationship with colleagues. Whereas 3.4%

    managers neither agree nor disagree. And 52.8% managers agree that when they feel stressed,

    it adversely affects their relationship with colleagues. 16.9% managers are also strongly

    agreed with this point. But only one manager has not answered this question. The mean is

    3.58 which indicate that response lies between neutral and agree, but with the help of mode

    we can say that response is more towards the option Agree. So it can be interpreted that

    according to survey stress adversely affects relationship with colleagues.

    Table illustrates that only 2.2% managers are strongly disagreed with the view that they

    generate more ideas under stress and 31.5% managers disagree with this point. Whereas

    10.1% managers have selected the neutral option. And 46.1% managers agree with the point

    that they generate more ideas under stress, whereas 10.1% managers are strongly agreed with

    this point. Therefore there is mean of 3.87, it means averagely managers agree that they

    generate more ideas under stress.

    Here it is directly asked their view that according to them what is relationship between stress

    and job performance, either it is positive or negative or it depends on the task or there is no

    relationship between stress and job performance. Here 20% managers suggest that there is

    positive relationship, whereas 38.9% managers suggest that there is negative relationship

    between stress and job performance. On the other hand 31.1% managers say that it depends

    on task, some tasks affect negatively and some positively. And only 10% managers think that

    there is no relationship between stress and job performance.

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    1.1.1.1. Correlation of Job Stress and Performance

    Interpretation:

    This statistics shows that correlation between job stress and efforts during work is negative

    and significant. The relationship between effect of job stress and job performance is -.159

    which is also a significant between two variables. This statistics shows that the relationship

    between creativity and job stress is negative with -.008 which is also significant relationship.

    The correlation between job stress and adverse relationship with colleagues is .233* with .

    028 significant (2-tailed) which means that stress is not adversely affecting managers

    relationship with colleagues.

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    4.1.2 Possible Consequences, When Managers Are Under

    Stress

    Interpretation:

    Above statistics are presented to cover the objective of knowing what are the consequence of

    job stress on managers. This correlation analyses includes variables like Job stress, Anxiety

    level, Headache at workplace, Effect of stress on job performance, immediate feeling when

    under stress, feeling of switching organization when under stress and element of job affected

    most. The statistics suggest that stress level has positive relationship with anxiety but its not

    significant. Whereas headache has negative relation with job stress and it is 0.89(2-tailed)

    which is quite significant. Job stress has negative effect on job performance; this study showsits negative relation between two variables and its extremely significant relation with figure

    of .133. There is also negative relation between job stress and job turn over which is quite

    significant relation with .025 (2- tailed). The statistics show that immediate consequences of

    stress is tension which has positive relation with job stress and the relationship between two

    variables is also quite significant. The feeling of switching organization when under stress is

    having negative relation to job stress which is quite significant (0.025*) which means that

    when under stress mangers do not feel of switching organization.

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    4.1.2 To Explore the Techniques Managers Adopt To

    Handle Stress

    Interpretation:

    Managers under take different techniques to handle their job stress but the effectiveness of

    applied techniques is also important issue This statistics show that to handle the stress 20%

    respondents do not take any physical action to handle the stress, whereas 53% respondents try

    to do something enjoyable when under stress and around 25% respondents take immediate

    action to handle the stress. Statistics show that to handle the stress managers under take the

    techniques like, medicine, meditation, exercise, delegation of task and others activities

    (dancing singing, outing and sports). To know effectiveness of techniques in order to handlestress statistics show that above mentioned techniques are quite effective mainly the task

    delegation technique.

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    FINDINGS

    The research has certain findings based on its objectives and analysis of data collected. The

    research findings will comprehend the outcome of research; following are the finding of

    research.

    Finding 1

    The research has found that huge targets, unsupportive employer and employees, work

    overload, unreasonable working hours are major reasons of stress among the middle

    managers of banks. The major reason of stress out of above causes is huge targets. Among

    targeted population in banks the unreasonable work hours was major cause of stress.

    Finding 2

    The research also found that consequences of managerial stress are low job involvement;

    laziness, difficulty in understanding the task and job stress also adversely affect relationship

    with colleagues. In banks the stress led to low job involvement and creates difficulty in

    understanding the job..

    Finding 3

    The research has found that the techniques that managers of banks from medicines exercise

    and delegate the task. The research found that majority of managers delegate the task to

    handle managerial stress. Whereas 20% of managers of all target sample workout exercise

    (physical) to handle the stress. Research found that 24% managers try different things to

    handle the stress including dancing, singing, movies and outing. There is certain percent

    managers were taking no action to handle the stress.

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    Finding 4

    The research found that there is no indirect relationship between stress and job performance

    which means that higher the stress does not always decrease job performance.

    Finding 5

    This is an overall finding of our research where we sort out that there is quite effective stress

    prevailing in all three targeted banks. The research found that there is difference in reasons of

    stress for each targeted banks and the techniques handle the stress also varies from one

    organization to other. The consequences of stress in all organizations led to low job

    involvement and difficulty in understanding the task. The major technique that managers of

    these banks undertake to handle the stress is task delegation which is in fact effective

    techniques to handle stress in these organizations.

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    AREAS FOR FURTHER RESEARCH

    This research has tried to cover different aspects of stress relating to managerial level at work

    place but still there are still certain areas where future researches can be conducted. Future

    researches can be on following topic:

    Stress affecting personal life.

    Stress due to personal life.

    Diseases caused by stress.

    Relationship between Stress and creativity.

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    CONCLUSION

    Our research is on the managerial stress in MCBs selected branches

    Bank, Ins. The survey was conducted on middle managers of targeted organizations of

    MCBs Clifton branches. Investigation was on managerial stress. Therefore the research

    objectives were to find out the reasons of stress prevailing among managers, how much

    employees are stressed, analyzing the relationship between stress and job performance, what

    are the possible consequences, when managers are under stress, and techniques managers

    adopt to handle stress. To achieve the objectives, 50 sample size was considered. And a

    structured questionnaire of 21 questions was developed. 50 forms were distributed. From the

    response, we found that there is difference in reasons of stress MCBs selected branches, in

    these braches the unreasonable work hours was major cause of stress. And there is negative

    relationship between stress and job performance. It was also found that consequences of

    managerial stress are low job involvement; laziness, difficulty in understanding the task and

    job stress also adversely affect relationship with colleagues. The research has found that the

    techniques that managers of bank to handle stress are taking medicines, exercising and

    delegating the task. Our research has tried to cover different aspects of stress relating to

    managerial level at work place but still there are still certain areas where future researches

    can be conducted like stress affecting personal life, stress due to personal life, stress causing

    which diseases and so on.

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    Appendices