Browsing by Author "George, K M"

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Agricultural financing through kisan credit card scheme in Thrissur district
(Department of Rural Banking and Finance Management,College of Co Operation Banking and Management, Vellanikkara, 2005) Ronia C Antony; George, K M
The study on ‘The Agricultural Financing through Kisan Credit Card Scheme in Thrissur district’ was undertaken with the following objectives. 1. To examine the procedural differences among various lending institutions in implementing the scheme of Kisan Credit Card. 2. To study the farmers’ behaviour towards the Kisan Credit Card Scheme. The study was conducted among three banks of Thrissur district viz., Canara bank, Federal bank and TDCB. The banks were having issued highest number of Kisan Credit cards in the year 2000-01. Branches of these banks were selected from highest amount of crop lending block i.e. Ollukkara block. A sample group of 50 card holders from each banks were selected for survey. Secondary data on procedural formalities of the banks were also used for the study. Statistical tools like percentages, averages, satisfaction index, priority index and bi-variate and multi-variate tables were used for analysis. The analysis on the first objective revealed that there are both similarities and dissimilarities in their formalities. In launching of Kisan Credit Card Scheme, objective, eligibility criteria of farmers, credit limit fixation, security and margin requirement, interest rate, repayment period, issue of cheque books and levying service charges could see many procedural differences among the banks. But in documentation, issue of cards, maintenance of accounts, monitoring mechanism and replacement of lost cards, their formalities are more or less similar. The study revealed that major reasons for selecting the branches were proximity to their residence followed by quality of their service. It was further observed that almost all the respondents agreed that expansion of their agricultural operations and to meet their working capital requirement were the major purpose of joining the scheme. The study again revealed that majority of card holders were the bank’s existing borrowers. Here the banks were inefficient to cater more number of farmers under the scheme. In case of credit utilization pattern of card holders, majority were sanctioned their credit limit above 90 percent of their applied amount. Almost all the farmers were utilizing about full amount of the credit. It was found that most of the farmers have repaid their credit within the time limit. Among the sample banks, TDCB showed comparatively better performance in the repayment. Only a small number of respondents were defaulting their repayment, mainly because of price fall and loan diversion. The study revealed that majority of farmers utilised below Rs. 25000 for agricultural purpose, because the dominance of small and marginal farmers in the scheme. A close observation of the scheme reveals that the respondents are satisfied with the performance of the scheme. The study emphasized that steps should be taken to provide proper extension service to farmers inorder to improve their productivity. The study again suggested that financing under the scheme in a compact area will be more effective than present unplanned scattered lending.
Appraisal of existing management information system in district co-operative banks in Kerala
(Department Of Rural Banking And Finance Management, College of Co-Operation Banking And Management, Vellanikkara, 1999) Sangeetha K Prathap; George, K M
To meet the challenqes of present day banking environment, co-operative banks , and DCBs in particular have to introduce better planning and control by way of efficient information system. The managerial ability of DCBs to respond quickly to the changes in environment depends upon their ability to collect.process and utilize information. The study entitled "An appraisal of existing Management Information System in District Co-operative Banks in Kerala" was conducted with the following objectives. To examine the decision making process in District Co-operative Banks at various levels of management with a view to identify the information needs for management. To assess the efficiency and effectiveness of the existing system in meeting the information needs for management. The primary data required for the study were collected by administering a pretested structured schedule among the respondents of four sample banks. The respondents belonged to two management levels in each banks namely top management and middle management. Method of stratified random sampling was employed for selection of sample banks. Accordingly, on the basis of volume of business, four banks were selected namely, Ernakulam District Co-operative Bank, Thrissur District Co-operative Bank, Palakkad District Co-operative Bank and Kozhikode District Co-operative Bank. The study was conducted during the period of December 1998 to July 1999. Decision making process in DCBs was identified by conducting discussions with respondents. After tabulating the responses from the schedules, analysis was done using indices. The effect of independent variables on efficiency and effectiveness was detected using confluence analysis. Decision making process were delineated for ten selected aspects which were identified during the course of the study. Stages of decision making remained similar \ '. in all cases, but deviation was noticed in the matter of decision making authorities and sections which handled the work. In the decision making process of fixing of bank's deposit targets, no significant deviation from the pattern was noticed. Introducing new deposit schemes and loan schemes were done by similar process in the all banks but for the difference in sections handling the work. Planning department was in-charge of preparation of draft schemes in all banks except for Bank E where general section did the work. Sanctioning of loan proposals constituted a five stage process. Executive Committee remained the decision making authority in all banks except Bank K, where delegation of powers for loan sanction upto specified limits was done to General Manager and Branch Manager. In the case of monitoring of default accounts, Bank T alone maintained separate recovery section in head office to which default accounts were transferred and monitored. Other banks did this in branch level itself. Decls.on on investment of available funds was done by General Manager with ratification from President in all banks except for Bank P where the decision was taken by Executive Committee. Maintenance of statutory reserves, profit planning and provision of additional facilities to branches were done along the fixed pattern in all the sample banks. . Decision on employee's job rotation was taken by Executive Committee in Bank K whereas it was done by General Manager in all the other banks. Framing strategies to avoid delays in customer service was done at two levels, firstly at the level of branch manager, who directly deals with complaints and offer solution and secondly at the level of Board of Directors who designs strategies. The following information gaps were identified under the functional management heads. Regarding deposit, credit and customer service management, bank's top management and middle management were not considering information on competitors strategies. Also identification of customer preferences was not given due importance by bank's top management. In recovery management feedback on terms and conditions of loan and repayment schedule was not considered by any of the banks. Management of investment, fluid resources, profit and physical assets did not face information gap in all the sample banks. Human Resource Management was affected by non-availability of information on performance appraisal and manpower forecasting. Top management did not give enough stress on information on job rotation. Customer service management was the poorest in information availability, where top management of banks were not keen in collecting information on customer satisfaction and dissatisfaction points, customer awareness programmes and identification of areas where rapport has to be built up. Categorisation of efficiency indices of banks showed that majority of banks fell into "moderately efficient" category. Bank E stood first in efficiency of information system. Bank T was last in ranking for efficiency. Regarding effectiveness index, all the sample banks were classified as moderately effective. Here also Bank E topped the tally and Bank T stood last among the sample banks. Confluence analysis reveals that there is significant influence on efficiency by timeliness, adequacy and cost effectiveness for all banks. Regarding effectiveness, insignificance of certain factors was observed in some sample banks. Non-redundancy is not having significance in Bank T. Relevance is not influential for Bank P and reliability is insignificant factor of effectiveness in the case of Bank E and Bank P.
Grassy stunt epidemic in Kerala
(Kerala Agricultural University, 1973) Gopalakrishnan, R; Gopalan, N; George, K M; Shanmughan, S N
Non-performing assets of district co-operative banks in Kerala with special reference to agricultural advances
(Department of Rural Banking and Finance Management, College of Co-operation, Banking and Management,Vellanikkara, 2003) Sudheendran, M; George, K M
Suitability of Vyttila-4 as a rice variety for coastal saline areas
(Kerala Agricultural University, 1998) Shylaraj, K S; George, T U; George, K M; Sasidharan, N K
A breeding programme was undertaken at the Rice Research Station, Vyttila to evolve high yielding saline tolerant rice variety suitable for pokkali ecosystem. A cross was made between Chettivirippu and IR 4630-22-2-17 and effective selection was made for the high yielding saline tolerant genotypes suited to coastal saline soils. The selected genotype K AU 906 performed best in comparative yield trials, farm trials and national level screening trials. The high yield of the genotype is mainly due to higher number of productive tillers and filled grains per panicle, low sterility percentage and higher 1000 grain weight. The genotype was also found to be having maximum stability of performance over years and was released as Vyttila 4 for cultivation in coastal saline soils.
Yield potential of cowpea varieties
(Kerala Agricultural University, 1981) George, K M; Balachandran Nair, G K; Sasidhar, V K