Browsing by Author "Vinaikumar, E"

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Case study of Thiroor service cooperative bank
(National Cooperative Union of India, 2015) Veerakumaran, G; Vinaikumar, E
Co-operative entrepreneurship - a case study of Uralungal labour contract cooperative society Kerala
(Entrepreneurship Development Institute of India, Gujarat, 2011) Veerakumaran, G; Vinaikumar, E
Demonetization and its impact on primary agricultural credit societies (PACS) in Kerala
(Indian Society for Studies in Cooperation, Pune, 2016) Veerakumaran, V; Vinaikumar, E; Shaheena, P
Cooperatives in Kerala are well developed and highly democratic in nature. Due to restrictions imposed after demonetization, PA CS were not in a position to lend, mobilize deposits and cany out non-banking businesses. Therefore an attempt was made to pen down the outcome of a seminar held in this respect and a case study. Demonetization has severely affected the ntral economy particularly rural development and agricultural activities supported by the PA CS and other cooperatives as well. Instead of an average transaction o f Rs. 1.5/- crores per week, they were forced to restrict their transactions to Rs. 24000/- per week. Due to the support extended by the government and the think tank o f state cooperative movement, PACS were in a position to manage the shock. Cash sales proceeds in the Consumer store/super markets were used for lending to needy members. DCB cheques were issued to borrowers and depositors. Rigorous confidence building measures such as house to house campaign, awareness programmes, anil meet the depositoi s ].nogi amnns wete carried out. As far as long term strategy is concerned, the participants in the seminar stood against the transformation o f PACS into business correspondents and favoured maintaining the status-quo which means doing both banking and non-banking business. The case study on OUukkara Service Cooperative Bank Limited has proved beyond doubt that the super market sale proceeds has helped the poor small loan borrowers for their livelihood and health care, which was also endorsed by the seminar outcome. The authors are o f the opinion that a high level committee may be appointed by the federal government to study the exponential growth of PACS in Kerala and to identify the uniqueness and deviations from the law if any, and to suggest a suitable legal entity to sustain the laudable banking and non-banking endeavors.
Demonitization and its impact on PACS in Kerala
(Indian societies for studies in cooperation, 2017) Veerakumaran, G; Vinaikumar, E; Shaheena, P
Digitalization of cooperative business: A case study of PACS of Kerala
(Indian societies for studies in cooperation, 2017) Veerakumaran, G; Vinaikumar, E
Employee satisfaction in retail sector: a case study of elite supermarket, Kerala
(College of Co-operation Banking and Management, Vellanikkara, 2017) Divya, K P; Vinaikumar, E
Employee satisfaction is the employee’s judgement, of how well his job as hole is satisfying his various needs. Employee satisfaction depends on the performance of work and emotional aspects of individual’s experience towards the job. If an individual is not satisfied with the working condition, office atmosphere, having no cordial relation with fellow employees as well as with management, lack of promotional avenue etc. There can be job dissatisfaction among employees. For employees work is not merely a tool for financial benefit, but an idol for worship. Satisfaction is act of satisfying or the state of being satisfied, fulfilment of desire, demand or needs. Job satisfaction is the mental experience that the employees derive after completing their work as per their own expectations. Porter and steers (1973) conceptualized job satisfaction as the sum total of individual’s expectation on the job. The more the individual expectations are met on the job it improves the level of satisfaction. Satisfaction describes how content is an individual with his or her job. There are varieties of factors including level of pay and benefit perceived fairness of the promotion system, quality of working condition, leadership and job itself. The study is attempted on the employee satisfaction of Elite supermarket, Kerala. The objectives are the following 1) To examine the level of employee satisfaction and area of dissatisfaction in Elite Supermarket. 2) To identify major factors determining the satisfaction. Design of the study given in the first chapters clearly reveals the evidence of employee satisfaction in the success of an organization. The second chapter which deals with the theoretical frame work for studying employee satisfaction using the Herzberg two factor theory and Locke’s value discrepancy theory. The third chapter deals with review of related literature. The fourth chapter deals with the industry profile, Kerala. The fifth chapter deals with company profile of Elite supermarket, Kerala. The sixth chapter is an attempt to analyze employee satisfaction and it is 87 analysed to find out major areas of dissatisfaction, which will adversely affect the organization as a whole.
Financial performance of Irinjalakuda primary cooperative agricultural and rural development bank. Ltd. R. 312: An analysis
(International Journal of Multidisciplinary Research and Development, 2019) Veerakumaran, G; Vinaikumar, E; Niranjana Chandran
Financial performance of Vilvattam service cooperative bank
(Vaikunth Mehta National Institute of Co-operative Management, Pune, 1995) Vinaikumar, E; Veerakumaran, G
Housing co-operatives in Kerala - an exploratory study
(Indian Society for Studies in Cooperation, Pune, 2000) Veerakumaran, G; Vinaikumar, E
Co-operatives in Kerala are well developed and highly democratic in nature. In addition to traditional Credit sector, Co-operatives are also performing better in the fields o f Healthcare, Education, Housing, Labour Contract, Fisheries and Milk, Coir and Consumer. /Is on 31" Manh 2013, Id205 Co-operative societies o f varied nature were in operation, o f which 382 were housing Co-operatives. The paper intend to highlight the status o f housing Co-operatives in Kerala and to bring out the sustainable issues related to housing Co-operatives in Kerala. Kerala Co-operative Societies Act. 1969 and Rules 1969 have provisions to register four types of housing Co-operatives Viz.. Co-operative Building Society, Co-operative House Building Society, Co-operative Howe Construction Society and Tenancy Housing Society. The findings based on the analysis and a case study given in the paper clearly indicates the changing paradigm of homing Co-operatives in Kerala Most o f the Co-operative credit institutions lends to house construction, purchase and expansion. Privileges extended in the form o f Gehan registration helps a lot to brin^ down the cost o f documentation. Compared to the competitive strength of real estate tycoons. Co-operatives failed to capture and stand in the mat her. If the Cooperatives want to thrive, it should extend value added services such as telephone, electricity, tenter, wastage management, repair and maintenance, security, healthcare on a sustainable haw If Co-operatives are not in a position to construct flats, at least they can intrude in the common services that could be rendered.
Integrated credit in agriculture role of farmers service societies in Thrissur district
(Department of Co- operative Management, College of Co- operation, Banking and Management, Vellanikkara, 2007) Misha Davis, A; Vinaikumar, E
The study entitled “Integrated Credit in Agriculture – Role of Farmers’ Service Societies (FSS) in Thrissur District” was undertaken with the following objectives: 1. To examine the extent of integrated credit in agriculture provided by FSS in Thrissur district. 2. To assess the financial performance of FSS in Thrissur district. 3. To measure the attitude of farmers towards the service provided by FSS and 4. To identify the problems and constraints, if any, faced by FSS. The study was conducted in Thrissur district. The nine FSS in the district were ranked based on selected performance indicators and three societies were selected each at top level, middle level and bottom level. Both primary data and secondary data were used for the study. Primary data were collected from ninety respondents (thirty from each society) randomly selected from among the members with the help of an interview schedule. Secondary data were collected from the books and records of sample societies and also by discussing with the officials. Percentage, growth under AAGR and likerts scale of summated ratings were the major statistical tools used for analysis. When the extent of integrated credit was examined it was revealed that, in terms of AAGR, Killimangalam FSCB performed well regarding disbursement of agricultural credit and Adat FSCB performed well regarding distribution of agricultural inputs, marketing of agricultural produce and distribution of consumer goods. When the financial performance of the sample societies were assessed using ratios, it was found that the owned fund to borrowed fund ratio won favourable in the case of Killimangalam FSCB and the time deposits to total deposits ratio was favourable for Kodakara FSCB. The credit deposit ratio and credit to working capital ratio showed a decreasing trend for all the three banks. The interest paid to interest received ratio was favourable for Kodakara FSCB and Killimangalam FSCB whereas the total expenses to total income ratio showed a slight decrease for all the three banks. The analysis of profitability ratio showed that Kodakara FSCB performed well as they started to each profit compared to the first 3 years. Thus an analysis of financial performance of the three banks showed that compared to the other two banks, Kodakara FSCB is financially viable. This fact is supported by its profitability ratio and the other two ratios to find out efficiency in operation. The time deposits to total deposits ratio is also showing a decreasing trend for the bank. Adat FSCB is in the second place which incurred loss only during the last two years under study. The bank is less efficient in mobilization of funds as revealed by the ratios. The spread ratio also showed an increasing trend. As shown by the profitability ratio, Killimangalam FSCB had loss throughout the years under observation. Though the ratios are unfavourable for the bank, the amount of loss has been reduced during these years Attitude of farmers was studied using some statements divided to sections namely credit – pre sanctioning aspects, credit disbursement aspects, credit-post credit follow up aspects, other services – marketing and other services. In the credit – pre-sanctioning aspects, the attitude of members of 3 banks B1, B2 and B3 is favourable to statements S1, S2 and S6 respectively and least favourable to statements S4, S6 and S4 respectively. In the credit disbursement aspects the attitude of members of three banks B1, B2 and B3 is most favourable to statements T2, T3 and T1 respectively and least favourable to statements T4, T1, T2 and T4 respectively. Regarding post credit follow up aspects the attitude of members of B1, B2 and B3 is most favourable to statement U4 and least favourable to statements U1, U2 and U6. Regarding marketing aspects, the attitude of members of B1, B2 and B3 is most favourable to V2, V3 and V1 respectively and least favourable to V5, V1 and V4 respectively. Regarding other services the attitude of members of B1, B2 and B3 is most favourable to statements W2, W1 and W1 respectively and least favourable to W3, W4 and W4 respectively. The problems faced by FSS as identified by the study were, poor fund management, lack of creativity, mounting overdues and declining profitability. In order to satisfy the objective of service, co-operatives have to get reasonable profit. Therefore banks have to analyse their profitability, plan their funds efficiently and effectively utilise the workforce in order to survive in this competitive environment.
March towards cooperativisation of rural economy-Peringandur model
(Indian Society for Studies in Cooperation, Pune, 2015) Veerakumaran, G; Vinaikumar, E
Political Affiliation and Discriminative Governance - An exploratory study in Kerala
(Vaikunth Mehtha National Institute of Cooperative Management, 2017) Veerakumaran, G; Vinaikumar, E
Political affiliation and discriminative governance : an exploratory study in Kerala
(Vaikunth Mehta National Institute of Cooperative Management, Pune, 2000) Veerakumaran, G; Vinaikumar, E
Problems and prospects of coconut producer organizations in Kerala-an exploratory study
(SMART, Thiruchirappalli, 2019) Veerakumaran, G; Vinaikumar, E
Value chain analysis of banana; Nendran variety in Thrissur district
(Department of Rural Marketing Management , College of Co-operation , Banking and Management, Vellanikkara, 2019) Haritha Paul; Vinaikumar, E