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Financial analysis of kasaragod district co-operative rubber marketing society
(College of co-operation, banking and management, Vellanikkara, 2006) Asha Mohanan; Jacob Thomas, M
The Study entitled “FINANCIAL ANALYSIS OF KASARGOD DISTRICT CO – OPERATIVE RUBBER MARKETING SOCIETY”was undertaken to examine the financial strength and weakness of KDCRMS. For analyzing the financial performance of KDCRMS, secondary data was collected from head office of KDCRMS, Chittarikkal. For the analysis of the financial performance of the society, secondary data collected for a period of 30 years and 11 financial ratios were used. The analysis showed that KDCRMS has gone through frequent critical and unfavourable financial stress during the operational period of 30 years and it is, by no means a secular achievement in the financial performance. The KDCRMS, with co – operative bondage and social obligations has tried to fulfill the aspirations of its members through diversifying its concentration towards the production of rubber, rubber products and other agricultural commodities.
Financial performance analysis of kerala state financial enterprises ltd.
(College of co-operation, banking and management, Vellanikkara, 2007) Divya Sasi; Jacob Thomas, M
The study entitled “The financial performance evaluation of the Kerala State Financial Enterprises LTD” was conducted to assess the performance of KSFE in terms of growth of business and financial strength. The study was completely based on the secondary data. Major sources of data are annual reports and other documents from the head office of the KSFE. The study was concentrated on growth and financial performance of the KSFE for a period of 10 years. Analytical tools used in the analysis are ratios and indices. The study revealed that the company is efficient in mobilization of savings deployment of funds and efficient in operation. More over the company is in a fast tract and reaping huge profit and expanding year after year. It had never faced the problem of loss for the last 3 decades. Now it is grown up in to one of the biggest Non – banking financing company in Kerala.
Financial performance analysis of valakkavu ksheera vyavasaya sahakarana sangham LTD no.R 5(D) milvay
(College of co-operation banking and management, Vellanikara, 2011) Vinish Wilson; Jacob Thomas, M
The study entitled “Financial Performance Analysis of Valakkavu Ksheera Vyavasaya Sahakarana Sangham Ltd. No. R5(D) – Milvay” was undertaken to examine the financial strength and weakness of Milvay. For the purpose of the study secondary data were collected from annual reports of Milvay. The data was collected for a period of 15 years i.e. from 1993 – 94 to 2007 – 08. Financial Performance Analysis was done using financial ratios, Expense ratios, Profitability ratios etc. From the study we are able to understand that Milvay is enjoying profit. Milvay’s Share capital has increased from year to year. The main activity of the dairy is procurement and sale of milk and milk products and sale of cattle feeds. Milvay had been able to increase its procurement of milk as well as its sales. The members are served with loans and advances and Milvay accepts savings and fixed deposits. As the main activity is trading on milk, milk products and cattle feed, Milvay is not giving much importance to banking activities like accepting deposits and lending loans. But the profit of Milvay is decreasing every year. Milvay was in loss several years before and now enjoys profit. So as to remain in profit and serve members, Milvay has to be more careful in its operation. If the society can diversify its milk products mix, i.e. to buttermilk, ice creams, sip – up, butter etc it can increase its profitability.
Fund management a study of Puthukad service co-operative bank ltd no..580
(College co-operation, banking and management, Vellanikkara, 2010) Neethu, T A; Jacob Thomas, M
The study “Fund management – A study of Puthukad Service Co – operative Bank Ltd No. 580” was undertaken to analyze the fund management practices of Puthukad Service Co – operative Bank (PSCB). Ratio analysis covering efficiency in mobilization, deployment and operational efficiency were employed for studying the fund management practices. The ratios were worked out on the basis of secondary data collected from audited annual reports of the bank. The study highlighted that the bank able to attract more deposits during the study period. As a result the dependency of borrowed funds on working capital increased from year to year. But there was not much improvement in the deployment of funds. Only a slight improvement depicted from the study. So the bank should concentrate on the efficient deployment of funds otherwise it adversely affect the spread margin. The bank should take care to increase the non interest income for improvement of profitability.
Funds management- A case study of Hosdrug service co-operative bank LTD NO.1064
(College of co-operation, banking and management, Vellanikkara, 2012) Nitheesh, B K; Jacob Thomas, M
The study entitled Funds Management - A case study of Hosdurg service co – operative bank was undertaken with the objective of analysing the existing funds management practice of HSCB Ltd. For studying the Funds Management 10 years audited data from 2000 – 01 to 2010 – 11 were employed. Ratio analysis was employed covering four categories viz. Ratio’s reflecting Efficiency in Mobilization and Deployment, Operational Officiency and Other Ratios reflecting the profitability was used for the study. The study found that during 2008 – 09 HSCB Ltd increased the face value of C class membership from 1 to 5. Due to this reason the Membership position of the bank reduced to 19541 in 2010 – 11 from 52576 in 2007 – 08. For the HSCB Ltd deposit constitutes 91 percent of the Net Working Capital of the bank. During the study period there was a substantial growth in the Deposits of the bank from 2378.32 lakhs in 2001 – 02 to 8510.01 lakhs in 2010 – 11 and these shows the banks Efficiency in Mobilization of resources. Credit to Working Capital ratio of the bank diminished from 85.41 per cent in 2006 – 07 to 79.59 percent in 2010 – 11. Reduction in the Credit to Working Capital is geared by the removal of Athulya Deposit scheme of HSCB Ltd. Analysis found that Overdue and Interest Overdue is main problem faced by Hosdurg Service Co operative Bank. The Overdue position in Surety Loan and Over Draft is the chief factor responsible for increase in the Overdue position of HSCB Ltd. The Overdue of Surety Loan increased from 208.31 lakhs in 2006 – 07 to 313.07 lakhs in 2010 – 11 and the Overdue position of Over Draft increased from 303.20 lakhs in 2006 – 07 to 392.14 lakhs in 2010 – 11. The Interest Overdue to Demand increased from 16.30 per cent in 2001 – 02 to 23.90 per cent in 2010 – 11. The optimal utilization of the funds of HSCB Ltd was constrained by the level of poor recovery position of Loans and Advances. The bank has to take appropriate policy regarded with proper recovery of Loans and Advances.
Funds management-A case study of Kattoor service co-operative bank LTD. NO. 426
(College of co-operation, banking and management, Vellanikkara, 2012) Nisa Vidyasagar, P; Jacob Thomas, M
The study “Funds Management – a case study of Kattoor Service Co – operative Bank Ltd.” Was under taken to analyse the funds management in Kattoor service co – operative bank (KSCB). Ratio analysis covering efficiency in mobilization, deployment of funds and operational efficiency were employed for studying the funds management practices. The ratios were worked out based on secondary data collected from audited annual reports of the bank. The study revealed that the bank has not effectively utilized the funds mobilized by it. The management of the bank has to take effective steps to improve the funds management more remuneratively. Even though the deposits of the bank have increased tremendously the Capital base of the bank has not expanded widely. The borrowings of the bank shows an increasing trend this in no at a all good sign as this will increase interest burden of the bank. The bank has not having a proper plan for management of its resources proficiently. The efficiency of the bank in the mobilization of the funds is palpable. The bank should try to maintain the proper management of its funds through diverse management techniques.
Futures trading of crude oil- a study on price risk management of crude oil futures
(College of co-operation, banking and management, Vellanikkara, 2008) Prudha, Mohan; Jacob Thomas, M
The study entitled “FUTURES TRADING OF CRUDE OIL – A STUDY ON PRICE RISK MANAGEMENT OF CRUDE OIL FUTURES” was undertaken to study the price movements in future prices of crude oil and price risk management in crude prices. The report first presents a summarization of the Indian commodity and crude futures and later it includes the description of Organization. The various concepts of futures trading are introduced later which gives a basic outline of different contracts undertaken, participants in futures market and various strategies followed. The study was based on secondary data. The information about the production, consumption, export and import of crude oil were collected from the website of Energy Information and Administration. This helped in studying the top producer, consumer, exporter and importer and their percentage share among top ten countries. The Multi Commodity Exchange traded crude oil futures data from 1 Jan to 31 Dec 2007 was used to undertake the study. The study analyses the trends in future prices by using least square method such as linear, parabolic and logarithmic trend. It revealed that the future prices showed more or less a parabolic trend. The movements in spot and future prices of crude oil were also analysed by finding the co – efficient of correlation and standard deviation. This study also examined the use of crude futures in hedging and risk reduction. It showed a positive correlation between the spot and future prices i.e. as the future prices increases the spot prices also increases. The project investigated methods involved in reducing the basis risk and the subsequent calculation of hedge ratio. The study brought out that the use of hedge ratios can reduce the basis risk to a considerable level. The hedging and the use of hedge ratio are an effective tool in price risk management. Thus futures trading play a very important role of performing economic function of price risk management.
Impact of mahatma gandhi national rural employment gurantee scheme (MGNREGS) - a study of udma grama panchayat, kasargod district
(College of co-operation, banking and management, Vellanikkara, 2015) Soumya, M; Jacob Thomas, M
Mahatma Gandhi National Rural Employment Guarantee Act aims at enhancing the livelihood security of people in rural areas by guaranteeing hundred days of wage employment in a financial year to a rural household whose adult members volunteer to do unskilled manual work. Today MGNREGS is the most important employment generation programme of the Government in our country. The study entitled “lmpact of Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS) – A case study of Udma Grama Panchayat” was conducted to analyze the effectiveness of MGNREGA) from the perspective of the beneficiaries. The study was based on primary and secondary data. The secondary data were collected from various journals, reports, publications, and internet and from the Gramma Panchayat. The primary data were collected from 40 beneficiaries who had employed under the scheme through a pre – structured questionnaire. Percentages and indices were used for analyzing the data. The MGNREGS in Udma Gramma Panchayat was very effective and the scheme has its impact on the income level, expenditure pattern, savings, migration, acquisition of assets, status of women and the social relationship. The scheme has also brou8ght in benefits to the households as well as to community. The respondents have rated the functioning of the scheme with reference to the selected variables as ‘good’ which is a sign of good work done by the various functionaries of the scheme. It could be observed that some suggestions from the respondents for the improvement of the programme regarding the increase in the wage rate and work days, bonus, pension and insurance facility to the workers. The study has proved that MGNREGS have great impact in the beneficiaries of Udma Grama Panchayat.
Profitability of farmers service co-operative banks in mukundapuram taluk of Thrissur district: an inter bank comparison
(College of co-operation, banking and management, Vellanikkara, 2007) Nazeema, P J; Jacob Thomas, M
The study entitled “Profitability of Farmers Service Co – operative Banks in Mukundapuram Taluk of Thrissur District – An Inter Bank Comparison” was undertaken with the objective of evariating the inter bank variability of profitability of Farmers Service Co – operative Banks (FSCBs) in Mukundapuram Taluk of Thrissur District and determining the factors affecting profitability of the Farmers Service Co – operative Banks. The study was conducted in two Farmers Service Co – operative Banks in Mukundapuram, Taluk, viz., Kodakara Farmers Service Co – operative Bank (KDFSCB), Kuttikad Farmers Service Co – operative Bank (KTFSCB), for a decade from 1995 – 1996 to 2004 – 2005. 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 Kodakara Farmers Service Co – operative Bank (KDFSCB) is a well performing bank with comparative higher consistency in profit average profitability and high return on advances and investment inspite of below par performance in certain indicators. The bank realizes human resources as a vital factor and gives at most 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 Kuttikad Farmers Service Co – operative Bank (KRFSCB) has got highest burden which retard its profit to a great extent.
Socio-economic empowerment of women through kudumbashree- a case study of vellangallur panchayat
(College of co-operation, banking and management, Vellanikkara, 2015) Richu Paul; Jacob Thomas, M
Kudumbashree programme visualizes women empowerment as a strategical route towards the ultimate goal of poverty eradication. The study entitled Socio – economic empowerment of women through Kudumbashree – A case study of Kudumbashree units in Vellangallur Grama Panchayat was carried out with the objective of identifying the role of Kudumbashree in social and economic empowerment of women by Kudumbashree sample of 10 Kudumbashree units which has been working since 5 years was selected and 50 members (5 from each unit) were selected as respondents. The data were collected from the units through a sample survey based on structured schedule. Composite index calculated for identifying the role of Kudumbashree in social and economic activities showed a high value, Overall economic empowerment of women by Kudumbashree also showed a high value indicating that the empowerment by Kudumbashree is good. Savings, income generating activities, accessibility to credit, indebtedness, acquisition of assets, etc. had showed a great value after joining the Kudumbashree programme. In the social aspect, empowerment was observed in involvement in social activities especially in attending Grama Sabha, access to information, knowledge and skill, contact with development departments and agencies, entrepreneurial ability and managerial ability. In these, the most empowered factors are managerial ability and entrepreneurial ability. This study has proved beyond doubt that Kudumbashree have been able to empower the poor both socially and economically.
Socio-economic empowerment of women through kudumbashree: a study of bedadukka grama panchayat, kasaragod
(College of co-operation, banking and management, Vellanikkara, 2015) Sreeni, A; Jacob Thomas, M
Kudumbashree programme visualizes women empowerment as a strategical route towards the ultimate goal of poverty eradication. The study entitled Socio – economic empowerment of women through Kudumbashree - A case study of Kudumbashree units in Bedadukka Grama Panchayat, Kasaragod was carried out with the objective of identifying the role of Kudumbashree in social and economic empowerment of women by Kudumbashree sample of 10 Kudumbashree units which has been working since 5 years was selected and 50 members (5 from each unit) were selected as respondents. The data were collected from the units through a sample survey based on structured schedule. Composite index calculated for identifying the role of Kudumbashree in social and economic activities showed a high value. Overall economic empowerment of women by Kudumbashree also showed a high value indicating that the empowerment by Kudumbashree is good. Savings, income generating activities, accessibility to credit, indebtedness, acquisition of assets, etc. had showed a great value after joining the Kudumbashree programme. In the social aspect, empowerment was observed in involvement in social activities especially in attending Grama Sabha, access to information, knowledge and skill, contact with development departments and agencies, entrepreneurial ability and managerial ability. In these, the most empowered factors are managerial ability and entrepreneurial ability. This study has proved beyond doubt that Kudumbashree have been able to empower the poor both socially and economically.
Study on financial performance of Aranattukara oriental co-operative bank (AOCB) Ltd no.171
(College of co-operation, banking and management, Vellanikkara, 2010) Rony Valappat, T; Jacob Thomas, M
The study entitled “Financial Performance of Aranattukara Oriental Co – operative Bank Ltd. No. 171” was undertaken to examine the financial strength and weakness of Aranattukara Oriental Co – operative Bank. For the purpose of the study secondary data were collected from annual reports of the bank. The data were collected for a period of 15 years i.e. from 1990 – 91 to 2004 – 05. The financial performance was studied from detailed observation of financial ratios. From the above discussion and analysis the study revealed that the bank was able to attract more deposits every year but this should match with equally efficient deployment of funds. The bank should take care to fix the target for deployment of funds in proportion to the deposit mobilization targets. Otherwise it will affect the interest earning capacity of the bank and hence the profits. By reducing the cost of production and other direct expenses the bank can achieve the gross profit. The bank can start any other trading activities for improving its profitable position.
Study on financial performance of irinjalakuda town co-operative bank (ITCB) LTD NO.55
(College of co-operation, banking and management, Vellanikkara, 2009) Betssy Baby Edattukaran; Jacob Thomas, M
The study entitled “Financial Performance of Irinjalakuda Town Co – operative Bank (ITCB) Ltd.No. 55” was undertaken to examine the financial strength and weakness of Irinjalakuda Town Co – operative Bank. For the purpose of the study secondary data were collected from annual reports of the bank. The data were collected for a period of 15 yers i.e. from 1993 – 94 to 2007 08. The financial performance was studied from detailed observation of financial ratios. From the above discussion and analysis the study revealed that the bank was able to attract more deposits every year but this should match with equally efficient deployment of funds. The bank should take care to fix the target for deployment of funds in proportion to the deposit mobilization targets. Otherwise it will affect the interest earning capacity of the bank and hence the profits. By reducing the cost of production and other direct expenses the bank can achieve the gross profit. The bank can start any other trading activities for improving its profitable position.
Study on financial performance of Thalore service co-operative bank ltd no.435
(College of co-operation banking and management, Vellanikara, 2011) Aswathy Vasukuttan; Jacob Thomas, M
The study entitled financial performance of Thalore Service Co – operative Bank was conducted with a view to evaluate the financial performance of TSCB.b The analysis is based on the secondary data collected from the audited annual reports for the period 1989 – 90 to 2008 – 09. The details such as share capital, borrowings, deposits, loans and advances, working capital and net profit were collected from various reports of the bank. The collected data were analysed by using selected financial ratios. The ratios that measure the efficiency in mobilization, efficiency in deployment and efficiency in operation were used for the purpose of the study. The Financial performance of the bank revealed that the bank’s performance was satisfactory during the study period and it has a strong financial base. Mobilization of fund by the bank was satisfactory. The bank is efficient in deployment of fund also.
Value chain analysis of cowpea in nagalassery grama panchayat of palakkad district
(College of co-operation, banking and management, Vellanikkara, 2014) Lakshmi Priya; Jacob Thomas, M
The study entitled “Value Chain Analysis of Cowpea Nagalassery grama panchayat of Palakkad district” was undertaken with the objective of identifying various stakeholders in the Cowpea Value Chain And mapping the value chain. The study was mainly based on primary data. The primary data wete collected from 45 respondents (30 farmers, 5 Whole salers, 5 Retailers & 5 Consumers). The secondary data was collected from websites, journals, records kept by Krishibhavan . . . etc Five actors are involved in the value chain of cowpea and they are input suppliers, farmers, Wholesale traders, retail traders & consumers. The study area selected was Nagalassery grama panchayat of Palakkad district, which is potential area for cowpea cultivation. Farmers were selected using Random Sampling Method from the panchayat. The calculations were made from the data collected during the months of May and June of 2014. Socio economic characteristics of the stakeholders, production, procurement and marketing details were analysed through percentage method. For analyzing the collected data Percentage Analysis, Frequency and rank order scale was used. Margin of different players were also calculated and retail trader fetches highest margin followed by farmers. All the actors of value chain are facing many constraints regarding the input supply, cultivation, credit/finance, and marketing. Government should take effective measures for solving all these problems. Even though there are having demand and all the factors are favouring the techniques and marketing of value added products have to be initiated. The findings suggest that aimed at strengthening linkages within the value chains, collective marketing and initiating the processing techniques may provide potential avenue for enhancing cowpea value chain in Nagalassery grama panchayat.
Value chain analysis of turmeric- a study with special reference to
(College of co-operation, banking and management, Vellanikkara, 2014) Rahana Ibrahim, P; Jacob Thomas, M
Value chain refers to the full range of activities that are required to bring a product (or a service) from conception, through the different phases of production, to delivery to final consumers and disposal after use. Mapping is the process of making a pictorial representation of the VCA (value chain analysis). The study was conducted with the objective of to map the different components and stakeholders in the value chain of numeric to analyse the distribution of benefits at each level of value chain of turmeric. The study was based upon both primary and secondary sources of data. Primary data was collected through the survey of farmers, village traders, wholesalers, and input suppliers. Secondary data were collected from the published works of various authors, several journals and magazines. The collected data were analysed by using the tools like Value chain mapping, Percentage Analysis and rank order scale. Value chain mapping was made by analysing the various dimensions like core processes in the value chain, actors involved in the turmeric value chain, specific activities of core processes, flow of product, information and knowledge, volume of product, geographical flow of product, value at different levels of value chain, type of relationship and linkages exists and mapping the constraints and potential solutions. The study attempted to analyse the value chain of turmeric in Pazhayannur block of Thrissur district. At each level, actors are adding values to the product. Turmeric cultivation in the study area gives a good return to the farmers because of the subsidy from Krishibhavan. Farmers face a lot of problems in production stage which include erratic climatic conditions, low productivity and yield, small size of land holdings and lack of scientific technology. Institutional support to farmers in input provision and marketing of turmeric is the major solution for the problems.
Value chain management of coconut oil a study in KERAFED, Naduvannur
(College of co-operation banking and management, Vellanikara, 2013) Ashika Raveendran, K K; Jacob Thomas, M
Value chain management of virgin coconut oil- a case study on golden vintage farmers industry, Koratty, Thrissur district
(College of co-operation, banking and management, Vellanikkara, 2014) Aswathy Ashok; Jacob Thomas, M
This study was initiated to analyse “Value Chain Analysis of Virgin Coconut Oil” particularly in Thrissur district. The focus of the study was to, identify various components in value chain of coconut, linkages among different actors in coconut production and benefit distribution to them, the procurement, processing and marketing operation of virgin coconut oil in Thrissur district and understand the different cost and returns involved in the each step of the value chain of virgin coconut oil. The sampling frame taken for the analysis is 15 Farmers, 1 Processing units, 1 private agent and 10 Consumers. The data were generated by individual interview using structured questionnaires. This was supplemented by secondary data collected from different published and unpublished sources. The main market participants for virgin coconut oil value chain in the District during the survey period were farmers, processors, agents and consumers. Besides, a significant amount of virgin coconut oil produced is channeled directly to consumers from processors. The virgin coconut oil marketing performance was also measured using marketing margins complemented with analysis of costs and gross profits generated by different value chain actors. From the study conducted, the major problems of the production identified in the study are no availability of raw materials, packing materials, high labour cost, lack of promotional activities and high transportation cost. The general survey realized on the need of a special package of program to overcome these problems, which include linkage of processing unit with krishi bhavan to get more raw materials, direct their efforts towards promoting their product and produce variety of products from coconut. Based on the study results, interventions demanded to raise marketable supply of virgin coconut oil produced are recommended