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Customer satisfaction in new generation banks a case study of times bank
(College of co-operation, banking and management, Vellanikkara, 1998) Mukesh Shanker, M S; Jacob Thomas
The study entitled “CUSTOMER SATISFACTION IN BANKS – A CASE STUDY OF TIMES BANK” was undertaken with objective of assessing the extend of customer satisfaction in Times bank with respect to selected parameters. A percentage analysis of the primary data was done based on customer responses to various components of service delivery system of Times bank. To examine the extend of customer satisfaction, customer satisfaction index was calculated. The findings of the study revealed that the customers of the bank were highly satisfied (CSI index 80). But shortfalls in services of the bank were identified with respect to certain parameters. It is suggested that the bank should take effective steps to rectify those short falls and to take more efforts to satisfy its clientele, in order to survive healthy in the ever changing banking arena.
Impact of dairy development scheme- a case study of sasthamcotta primary co-operative agricultural and rural development bank (PCARDB)
(College co-operation, banking and management, Vellanikkara, 2000) Unnikrishanan, A R; Jacob Thomas
The study entitled “IMPACT OF DAIRY DEVELOPMENT SCHEME – A CASE STUDY OF SASTHAMCOTTA PCARDB’ was under with the objectives of examining the impact of scheme on the beneficiaries. The analysis was done with the help of information generated through a field survey of 25 beneficiaries who have availed loan facility from the bank between the years 1997 and 1998. The study is limited to Kunnathoor Taluk of Kollam District. Statistical tools like simple average, percentage growth rate etc., were used to interpret the data besides tabular analysis. Analysis made on the scheme revealed the fact that the assistance under the scheme has a positive impact on income employment and milk production among all classes of beneficiaries. However, the performance of the scheme in the field is likely to improve if the bank exercise proper care in identification of beneficiaries and is follow up of the working at the scheme.
Marketing of insurance product in metlife
(College of co-operation, banking and management, Vellanikkara, 2006) Shijithkumar, K; Jacob Thomas
The insurance sector in India was nationalized in 1965 and the Life Insurance Corporation of India was established. Consequent on the globalization of the economy the insurance sector was opened to the private players and a number of reputed global companies established insurance business in India resulting stiff competition in the insurance sector which was hitherto have been monopolized by the Life Insurance Corporation. The present study entitled, “Marketing of Insurance Products in Metlife”, is undertaken to identify the extent of product awareness among financial Advisors of Metlife and to evaluate the procedures recommended by Metlife. And also to identify the reasons for low activity ratio of Financial Advisors. The Metlife had opened a branch in Thrissur with a purpose of doing business in Life Insurance. It has a work force of 209 financial advisors. The active financial advisors are of 75 and non active is 134. Efficiency of the sales force is measured by the activity rates of the financial advisor. Activity ratio is measured. Number of Financial Advisors who possessed at least 1 policy in the month divided by number of Financial Advisors at the end of the previous month multiplied by 100. The study was conducted in Thrissur branch of Metlife and the primary data was collected through observation method and interview method. Based on Metlife’s vision this study will help to establish a productive and professional financial advisor distribution system for Metlife in Thrissur. It can be used in building financial freedom for every customer through need based sales process. The data was analysed using simple percentages and also ranking method. From the study it can be seen that while considering the product quality and its features, the active Financial Advisors where only considered and scores based on their ranks were given the Metlife products. The products had been ranked on the product features like premium paying term, options for the product, withdrawal options, fund options and charges for the product. The major finding when we consider these features is that, ‘Suvidha’ tends to be more customer friendly. ‘Met Ultimate’ and ‘Met Smart’ is preferred due to its withdrawal option and fund option respectively. ‘Met Smaksha being a term rider, the charges are low. ‘Met Bhavishya’ is preferred because it is a children’s plan. And in creating first impression among the clients almost everyone follow the normal procedures. The three corner stones of financial security are dealt by the Financial advisors when they approach the clients. The Financial Advisors looks forward for follow up questions and clarify the doubts of the customer. By the end of the meeting the Financial Advisor definitely asks for more details.
Price discovery mechanism under pepper futures trading
(College of co-operation, banking and management, Vellanikkara, 2004) Sanoj, P G; Jacob Thomas
The study entitled ‘Price discovery mechanism under Pepper futures trading’ was undertaken to analyse the price discovery of pepper futures market. The study also attempted a critical review of the policies adopted by the India Pepper and Spice Traders Association in the promotion of futures trading in Pepper. For the purpose of analysis, secondary data on spot and future prices of pepper for a period of twelve months for the year 2002 were used. Also discussions with the authorities of the IPSTA were sought for the purpose of the study. The null hypotheses that α=0 and β=1 is rejected in all sample cases of analysis of price discovery indicating that pepper futures market is not efficient in predicting the future ready prices. Moreover the Pepper exchange has registered only thin trade volume. In spite of a developed ready market for black pepper. Futures market does not attract farmers. Analysis also revealed that Access to the market has has been made more difficult by rules, which force members of the exchange to obtain a local sales tax registration in accordance with government regulations. This takes a minimum of six months to one year, and is only feasible for those who have an office in Kochi. The Exchange will have to adopt an action programme to bring it up to a higher operational level. Since this is an era in which multi commodities are traded through commodity exchanges, Pepper Exchange would have to adopt a policy to start commodities other than pepper in order to sustain in the long term. Besides, the participation of farmers should be enhanced. A promotional campaign by the Cochin Pepper Exchange would be essential to promote active price discovery. Thus the study concluded that the Pepper exchange is not effective in price discovery and it would have to consider which practical arrangements need to be made to promote its international visibility and, in particular how to adapt its contract specifications – delivery grades and location, contract currency to make them attractive to both local and international players.
Profitability of district co-operative banks in northern kerala: an interbank comparison
(College of co-operation, banking and management, Vellanikkara, 2004) Rakhi, V C; Jacob Thomas
The study entitled “Profitability of District Co – operative Banks in Northern Kerala – An Inter BANK Comparison” was undertaken with the objectives of evaluating the inter bank variability of profitability of district co – operative banks (DCBs) in northern Kerala and determining the factors affecting profitability of the district co – operative banks. The study was conducted in three District Co – operative Banks in Northern Kerala, viz. Kannur District Co – operative Bank (KRDCB), Kozhikode District Co – operative Bank (KZDCB), Kasargode District Co – operative Bank (KGDCB), for a decade from 1992 – 1993 to 2001 – 2002. The study was based on the secondary data collected from the annual reports and audit reports maintained by the banks. The methodology used for the analysis of the present study is the decomposition model proposed by Das (1999). For finding the inter bank variability of profitability of banks, coefficient of variation is used and correlation coefficient is computed for the detailed analysis of identifying the factors affecting the profitability of banks. The analysis has revealed that Kannur District Co – operative Bank (KRDCB) is a well performing bank with comparative higher consistency in profit, average profitability and higher staff productivity and lowest interest expenses inspite of below par performance in certain indicators. The bank realizes human resources as a vital factor and gives utmost significance for its development. The analysis revealed that the banks with lowest burden could achieve highest profitability and banks with high burden recorded lowest profitability. Banks are suffering from high burden levels which is the root cause of their low profitability. The Kozhikode District Co – operative Bank (KZDCB) has got highest burden which retard its profit to a great extent.
Role of nabard in refinance (investment credit) and ridf in kerala
(College of co-operation, banking and management, Vellanikkara, 1998) Arun Aravind; Jacob Thomas
National Bank for Agriculture and Rural Development (NABARD), as a national level refinance institution has a crucial role to play in agriculture credit and the rural development fund in a state like Kerala, where, budgetary resources are scarce. This Project Work is an attempt to study two major functional areas of NABARD viz., Refinance (Investment Credit) and Rural infrastructure Development Fund (RIDF). The nature and extent of NABARD’s investment Credit refinance is studied using the analysis of share of Kerala in the total refinance disbursement as well as Purpose Wise, Agency Wise, and District wise analysis. The per capita and per hectare refinance disbursement is also studied in this regard. The study reveals that though Kerala has been receiving 4 to 5 percentage of NABARD’s total refinance disbursement for the last 15 years, the per capita and per hectare disbursement is much higher in the state than the All India and Southern Region figures. SCARB is the major disbursement agency and Non Farm Sector is absorbing the major portion of long term refinance. With respect to RIDF, the analysis is done based on parameters such as number of project sanctioned, NABARD Loan and disbursed, State Government’s contribution and Expected benefits. The study reveals that the share of Kerala in the number of projects and loans sanctioned has been decreased from RIDF – I to RIDF – II, the state can hope better results in the matter of expected benefits. Thus the study concludes that, NABARD as a national level institution has been showing justification in every manner to the disbursement of investment credit to the state of Kerala. For RIDF; though the programme has not much matured for an assessment the working of the fund for the last years from 1995 – 96 shows that better results are yet to come.