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Item 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, MThe 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.Item Price discovery mechanism under pepper futures trading(College of co-operation, banking and management, Vellanikkara, 2004) Sanoj, P G; Jacob ThomasThe 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.Item 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 ThomasThe 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.Item 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 ThomasThe 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.Item Financial analysis of kasaragod district co-operative rubber marketing society(College of co-operation, banking and management, Vellanikkara, 2006) Asha Mohanan; Jacob Thomas, MThe 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.Item Total sanitation campaign with special reference to individual household latrines in Adat panchayat- an evaluation(College of co-operation banking and management, Vellanikara, 2007) Anjaly, K N; Mohanan, MThe study entitled "TOTAL SANITATION CAMPAIGN WITH SPECIAL REFERENCE TO INDIVIDUAL HOUSEHOLD LATRINES IN AD AT PANCHAYAT-AN EVALUATION" was undertaken with the objective of evaluate the Total Sanitation Campaign with special reference to Individual Household Latrines in Adat Grama Panchayat. For analyzing the objective primary data was collected through a field survey based on a structured schedule. 40 BPL households were selected from three wards for the study. The study revealed that all the beneficiaries are satisfied with the scheme and the scheme is very popular among the people in the Panchayat. All the respondents were aware of the scheme very well. The sceheme is completely successful in creating hygiene awareness among the people. The beneficiaries are dissatisfied with only one thing that is the subsidy provided under the scheme Is not sufficient. Therefore the study suggests the authorities to Increase the subsidy amount provided under the scheme and to make the scheme is more transparent.Item 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, MThe 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. AppendixItem Workers participation in management: a case study of Kerala minerals and metals limited (KMML), Chavara(College of co-operation, banking & management, Vellanikkara, 2004) Anjali Kumary, S; Mohanan, MThe stxidy entitled *^orkers' Participation in Management - A case study of Kerala Minerals and Metals Limited" was conducted with a view to analyse the workers' participation in management of Kerala Minerals and Metals Limited. Simple mathematical tools like average, percentage, etc. were used for the analysis of the data. Workers' participation in management of the company was analysed using the workers' participation index. The required data for the analysis were collected through interview among the employees using a prestructured interview schedule. The study revealed existence of workers' participation to a good extent in KMML. However, measures like informal discussions with subordinates, promotions based on seniority as well as performcince, regular meetings and joint forums, more encouragement to workers' suggestions, better appreciation of workers performance, encouragement of mutual and cordial relationship between workers, added importance on personality development of workers and strengthening of quality circles will help to improve the extent of workers' participation.Item 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, MThe 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.Item Marketing of insurance product in metlife(College of co-operation, banking and management, Vellanikkara, 2006) Shijithkumar, K; Jacob ThomasThe 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.