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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.
Effect of plant protection chemicals on foliar pathogens and Phylloplane microflora of rice
(Department of Plant Pathology, College of Agriculture, Vellayani, 1989) Gokulapalan, C; Chandrasekharan Nair, M
The present investigation was undertaken to assess the effects of plant protection chemicals on the important fungal pathogens and phylloplane microflora of rice. An attempt has been made to identify potential biological control agents to combat sheath blight disease causing havoc to rice cultivation in Kerala. Both under pot culture conditions and during the course of field trials at two locations viz., Adoor and Karamana, Kerala, the fungicide carboxin was found to be the best treatment for reducing the incidence and intensity of sheath blight and sheath rot diseases of rice. The fungicide was found to be the least harmful to the epiphytic microflora of the rice plant. In some instances the population of phylloplane antagonists of R. solani, including Trichoderma harzianum, T. viride, Penicillium oxalicum and Aspergillus aculeatus were found to be enhanced by the application of carboxin. The total disease incidence and yield loss were significantly reduced by the application of edifenphos. The rice variety Karthika was found to be significantly tolerant to sheath blight and sheath rot compared with the rice variety Jyothy. The fungicides carboxin and mancozeb at 500ppm did not inhibit the growth of the phylloplane antagonists of R. solani viz., Trichoderma harzianum and T. viride under in vitro conditions. Several micro-organisms isolated from the rice phylloplane were found to exhibit in vitro antagonism towards R. solani. These include Aspergillus aculeatus, A. niger, Chaetomium globosum, Penicillium oxalicum, Trichodema harzianum, T. viride, several bacteria and a few basidiomycetous yeasts. The phylloplane antagonists, Trichoderma harzianum, T. viride and Penicillium oxalicum were found to readily parasitise R. solani hyphae leading to coiling, penetration followed by disintegration and death of the mycohost. When these antagonists were cultured on bran and tried for their efficacy as potential biocontrol agents of R. solani, it was found that these fungi could significantly reduce the incidence and intensity of sheath blight of rice, though this was not comparable with the effect of the fungicide carboxin.
Farmer satisfaction towards bio-control agents in Kalady grama panchayat
(College of co-operation, banking and management, Vellanikkara, 2015) Surya Devi, S; Mohanan, M
The study was undertaken to analyse the level of awareness of farmers towards various biocontrol agents available in the market, To analyse the buying behaviour of farmers towards bio-control agents and To identify the major challenges for adoption of bio-control agents. Bio pesticides are certain types of pesticides that are derived from natural materials like plants (Botanical origin), bacteria, fungi, virus (Microbial origin) and certain minerals. The Bio Pesticides control pests / diseases either selectively or with broad spectrum approach. The study was conducted among weaker farmers in kalady Panchayat in Emakulum District. The sample consist of 30 farmers who are cultivating Elephant foot yam, paddy, vegetables or banana were selected from Kalady Panchayat of Emakulum district in Kerala state by using purposive sampling. The sample size 30, were farmers using bio-control agents. The data collected were analysed with the help of appropriate tools such as percentages analysis, attitude index and satisfaction index method. Main source of income for farmers in Kalady Grama Panchayat is from agriculture. Krishibhavan provide adequate subsidies to individual farmers well as through panchayat schemes. Vegetable Cluster Scheme, Paddy Development Scheme, Coconut Development Scheme are the main schemes provided by krishibhavan to farmers linked with panchayat. Now a day the kudumbasree unit in this panchayat are using bio-control agents in their unit, for the purpose of increasing the awareness about bio-control agents in the mind of farmers &also the improvement of women community in the panchayat. Kalady grama Panchayat provide all facilities and support to the farmers for their sustainable development, because the main source of revenue of this panchayat is agricultural. Elephant foot yam is the main crop cultivated in this Panchayat, now a day Banana is also cultivated. All the farmers are cultivating multiple crops in their land. Almost all sample farmers have 10 years of experience in farming. 3.33 per cent of respondent farmers have good experience in farming. 80 per cent of the respondents obtained financial assistance from government for vegetable cultivation. All those who availe fmancial assistance from government stated that subsidy through krishibhavan is the only source of financial assistance obtained by them. All the sample farmers reported use of Bio-control agents in farming activities. However none of the are totally depended on bio pesticides only. Rather 'They use chemical pesticides also'. The respondent farmers are not fully aware about the advantage of bio-control agents. It should be specifically noted that none of the respondents are aware about the advantage of use of bio-control agents. 49 83.3 per cent of the respondents consider price of bio-control agents as very high, compared to that of chemical pesticides. All the bio-control agents which are generally known to the farmers are traditional in nature. However responses on question relating to knowledge of preparation, application method and price details revealed that the actual level of awareness about all these bio-control agents is very poor; the respondent just beared know the names of various bio-control agents. Private agencies are the main source of bio-control agents for the farmers.70 per cent of the respondents prepare some bio-control agents for their use at their homes itself. Dependence of Krishibhavan, Fertilizer depot of co-operatives and Fellow farmers for purchase of bio-control agents is limited. The respondents are not at all aware about policy of government of Kerala to promote organic farming and to convert Kerala state to a organic farming state. Agricultural related magazines are the most popular source of awareness regarding bio-control agents. All India Radio seeme to be the least popular source of awareness among the sample respondents. Most regularly used sources of awareness creation among farmers is magazines related to agricultural. It should also be noticed that a few farmers regularly use multiple sources for gaining knowledge on agriculture in general and bio-control agents in specific. Data collected from respondents revealed that farmer awareness of KAU bio-control agents in the study area is very very poor. Majority of the respondents (53.4%) apply bio-control agents on weekly basis, rest of the respondents (46.6%) have no specific periodicity in using bio-control agents. Yield (93.3%), Suitability to crops (86.6%) and Cost (70%) are the major (in the order of ranks) are significant factors influencing farmers use of bio-control agents. The data collected reveals that none of the farmers have any brand preference for bio-control agents. All of them are using leaf of neem tree only. No other leaf extract is used by respondent farmers. The study reveals that the sample farmers have not adopted any innovation of there on in the usage of bio-control agents. The sample farmers have, in general, a favourable attitude towards bio-control agents. In other words they feel that use of bio pesticides is difficult than using chemical pesticide, use of bio pesticides is costly and it requires more care and attention. The respondent farmers have very high level of satisfaction on Yield of agricultural products obtained through use of bio pesticides (SI-96%) and Demand for organically produced items (Sl-96%). The respondent farmers are highly dissatisfied on Cost of bio-control agents (Sl-23.3%). 50 Poor economic condition of farmers (100%), Lack of support from financial institutions (100%), High capital investment (100%), and High market price (100%) are the major financial constraints faced by the user farmers in adopting bio-control agents. Lack of subsidy (80%) is also a serious financial issue. Lack of awareness about the benefit of bio-control agents (100%), Lack of awareness about bio-control agents available in the market (100%), Lack of awareness about pest control methods (100%) are the major technical constraints. Inadequate availability of bio-control agents (100%), Existence of fake organic vegetables and fiuits in the market (100), Lack of information of organic price details (93.3%), and Competition from inorganic products (93.3%) are major marketing constraints faced by almost all the respondent farmers. The Kalady Panchayat provide all the support& facilities to the farmers for improving the use of bio-control agents in this panchayat.
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 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.
Impact of Mahatma Gandhi national rural employment guarantee programme a case study of Adat grama panchayat
(Co-operation, banking & management, Vellanikkara, 2011) Sruthy, Johny; Mohanan, M
The study entitled "Impact of Mahatma Gandhi National Rural Employment Guarantee Programme: A case study of Adat Grama Panchayat" was conducted to analyse 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 Block Pancayat. The primary data were collected from 60 beneficiaries who had employed under the scheme in the year 2010-11 through a pre-structured questionnaire. The MGNREGA in Adat Grama 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 social relationship. The scheme has also brought in benefits to the households as well as to the community. The respondents have rated the functioning of the scheme with reference to selected variables as ' good' which is a sign of good work done by the various functionaries of the scheme.
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.
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.
Performance evaluation of Avinissery ksheerolpadaka sahakarana sangham ltd (No. R34D)
(College of Co-operation, Banking and Management, Vellanikkara, 2010) Divya, G; Mohanan, M
The study entitled "Performance evaluation of Avinissery Ksheedolpadaka Sahakarana Sangham Ltd No R34 D" was undertaken to examine the enterprise and institutional role played by the society. The enterprise role of the society was analyzed using the secondary data collected from the financial records of the society, ten years from 1998-99 to 2007-08 . The institutional role of the society was analyzed from the primary data collected through a survey of thirty sample farmer members of the society. From the study it could be understood that the profitability of the society is not sound. The major reason of the low profitability is the decline in the milk collection by the society. The farmers would be ready to supply milk to the society only when they get fair price to the milk. This was analyzed through the survey of farmers and could understand that the price given by the society to the farmers is not reasonable. The farmers cannot meet the expenses out of this price. That is, the society cannot perform its enterprise and institutional role well. The dairy industry in India is facing such a problem. Immediate policy measures should be taken to save dairy industry and milk producing societies from these troubles.
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.
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.
Role of kudumbasree in socio-economic improvement of BPL families- a case study of Chungathara grama panchayath
(College of co-operation, banking and management, Vellanikkara, 2006) Remya David; Mohanan, M
The study entitled ""ROLE OF KUDUMBASREE IN SOCIO - ECONOMIC IMPROVEMENT OF BPL FAMILIES - A CASE STUDY OF CHUNGATHARA GRAMAPANCHAYATH" was undertaken to access the impact of Kudumbasree in improving the socio economic conditions of BPL families of Chungathara Grama Panchayath. The study was based on primary data collected through a sample survey of 120 NHGmembers of 6 NHGs which have completed 3 years of existence were selected on a random basis for the study . 20 members from each NHG were surveyed with he help of a Structured survey schedule. Study was mainly based on primary data, which were collected From the selected respondents through a pre-tested structured schedule. The data collected were analyzed using percentage and index. The study revealed that the social interactions of the respondents has increased much after joining Kudumbasree programme. The managerial and entrepreneurial abilities has also increased significantly after Joining the programme. The education status, contact with different development departments etc has also increased. Kudumbasree has also played a major role in the economic improvement of the members and their families. Thrift and credit operations and income generating activities started by the members had enhanced the social and economic status of BPL families. Appendix
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.