public class AreaFragment extends Fragment{

private ListView list;
private Context c;

@Override
public View onCreateView(LayoutInflater inflater, ViewGroup container,
        Bundle savedInstanceState) {

    View rootView = inflater.inflate(R.layout.fragment_area, container, false);

    list = (ListView)rootView.findViewById(R.id.areaList);

    list.setAdapter(new myAdapter(c));

class Row{

    String Names;
    String areaNames;

    Row(String areaNames,String areaLocality) {
        this.Names=areaNames;
        this.areaNames=areaLocality;
    }
}

class myAdapter extends BaseAdapter{

    ArrayList<Row> list;
    Context context;

    public myAdapter(Context c) {
        context =c;
        list = new ArrayList<Row>();
        Resources res = c.getResources();
        String[] names = res.getStringArray(R.array.names);
        String[] areasName = res.getStringArray(R.array.areasName);

        for(int i=0;i<10;i++){
            list.add(new Row(names[i],areasName[i]));
        }
    }
    @Override
    public int getCount() {
        return list.size();
    }

    @Override
    public Object getItem(int position) {
        return list.get(position);
    }

    @Override
    public long getItemId(int position) {
        return position;
    }

    @Override
    public View getView(int position, View convertView, ViewGroup parent) {

        LayoutInflater inflater = (LayoutInflater) context.getSystemService(Context.LAYOUT_INFLATER_SERVICE);
        View row = inflater.inflate(R.layout.row, parent, false);
        TextView areaNames = (TextView) row.findViewById(R.id.mainTextView);
        TextView areaLocality = (TextView) row.findViewById(R.id.subTextView);

        Row temp = list.get(position);
        areaNames.setText(temp.Names);
        areaLocality.setText(temp.areaNames);

        return row;
    }

}

<string-array name="names">
    <item >Derek</item>
    <item >David</item>
    <item >ABC</item>
 </string-array>
<string-array name="areasName">
    <item >India</item>
    <item >UAE</item>
    <item >XYZ</item>
</string-array>