Letter from the Editor
Genie Black, Arkansas Tech University

CRITIQUE ON CULTURAL DIVERSITY
Lycourgos Hadjiphanis,Loizos Christou, College of Tourism and Hotel Management

THE ROLE OF E-COMMERCE ON CUSTOMERS BEHAVIOUR
Lycourgos Hadjiphanis,Loizos Christou, College of Tourism and Hotel Management

NON-GOVERNMENT ORGANIZATION (NGO) LEADERSHIP EFFECT OVER SMALL BUSINESS DEVELOPMENT BY TSUNAMI VICTIMS IN NANGROE ACEH DARUSALAM, INDONESIA
Monang Sitorus, HKBP Nommensen University

PERFORMANCE MANAGEMENT IN INSURANCE CORPORATION
Ramanadh Kasturi