Hi Ranendra,
As far as BO is concerned - it is of advantage ( but not necessary, predominantly ) if you have programming knowledge of core and advanced java - including jsp, html etc, .net programming - it will help you extend the product by customizing or integrating BO with your custom application using the existing BO SDK - this will be the scope of programming here, but mostly the standard options in the product will do the work and you will require to go through with programming or dealing with SDK's if the existing standard application (or some functionality within it ) does not serve your business requirement - only then, here, you will deal with programming to extend the functionality to work in-line with the product.
Thank you, Rahul