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Start date: 1989Subject: search.filters.subject.Co-operation, banking and management

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    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 This was supplemented by secondary data collected from different published and unpublished sources.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
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    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.
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    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.
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    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.
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    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.
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    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.
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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.
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    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.
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    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
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    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.