PG Thesis
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Item Value chain analysis of banana; Nendran variety in Thrissur district(Department of Rural Marketing Management , College of Co-operation , Banking and Management, Vellanikkara, 2019) Haritha Paul; Vinaikumar, EItem Farmer and consumer behaviour towards organic vegetables(Department of rural marketing management, College of cooperation, banking and management, Vellanikkara, 2015) Divya Vijayan; Ushadevi, K NItem Market potential of value added coconut products(Department of Rural Marketing Management, College of Co operation Banking and Management, Vellanikkara, 2006) Sali, K S; Mohanan, MIn India, due to multifaceted uses, coconut is referred as ‘Kalpavriksha’ and provides livelihood to more than 10 million people. Among the major coconut growing states in India, Kerala enjoys the pride of place both in area and production of coconut. However, there is a trend for reduced farm income due to fluctuating prices. Therefore, the coconut industry and the farmers depending on them are striving to survive in the economy. In this scenario, best option appears to be diversification and value addition. In this context, present study was undertaken with the following objectives: 1. to measure the market awareness of value added coconut products; 2. to examine the customers perception towards selected value added coconut products; and 3. to assess the market potential for selected value added coconut products. For the study, four divisions from Thrissur Corporation area were selected randomly. A sample of 100 households, 25 from each division were randomly selected. The selected products were coconut oil, coconut milk, coconut milk powder, coconut palm jaggery, coconut chips, coconut vinegar, elaneer soda and neera. The study was mainly based on primary data collected from the sample respondents through personal interview method by administering a pre-tested structured schedule. The data thus obtained were analysed by using the tools like bivariate table, percentages, ranking, regression and indices. The study revealed that the newly designed and launched products failed to attract the customers attention. It was also revealed that at present the role of advertisement is negligible in creating awareness. The shopkeepers and friends and relatives were considered as the most important sources of information regarding the products. In the perception analysis, it was found that majority of the respondent have least favourable perception towards various attributes of the products because many respondents are not aware about the products or they are ignorant about the attributes of the products. The study revealed that coconut oil has high market potential. But the market potential of coconut milk and coconut milk powder were very low. At the same time, coconut chips and coconut vinegar showed a high market potential eventhough the awareness is less. In the case of elaneer soda and neera, both awareness and market potential found to be very low.Item Marketing of commercial flowers- a study in Palakkad and Thrissur districts of Kerala(Department of Rural Marketing Management, College of Co operation Banking and Management, Vellanikkara, 2005) Sangeetha, K; Sukumaran, AThe study on ‘Marketing of commercial flowers – a study in Palakkad and Thrissur districts of Kerala’ was undertaken with the following objectives: 1. To identify the marketing channels of commercial flowers, 2. To assess the marketing efficiency of the channels, and 3. To suggest appropriate distribution strategy for commercial flowers. Orchid, anthurium and bush jasmine, the three major commercial flowers of Kerala, were considered for this study. The study was conducted in the Central Zone focusing on Palakkad and Thrissur districts. These two districts were selected as these fall in the two different agro climatic conditions and socio economic backgrounds. Both the districts have sizable number of floriculturists. Moreover, among the identified districts, Palakkad was having relatively large number of producers of bush jasmine and Thrissur was having a good assortment of orchid and anthurium flowers. The list of floriculturists dealing in orchid, anthurium and bush jasmine for two districts were collected from various sources such as Agriculture Department, Krishibhavans and Floriculture, Department of College of Horticulture. A sample group of 20 floriculturists of each flower from each district constituted the total 120 respondents. Floriculture was preferred as a self employment venture by most of the respondents. Government also promote floriculture units through “Women Empowerment Programme” by giving subsidy and training. Bush jasmine growers were more experienced (more than 10 years) than orchid and anthurium growers (4 to 6 years)It is very much suitable for unemployed women as all activities concerned with orchid and anthurium cultivation other than spraying are done by the floriculturists themselves. In the case of bush jasmine also all activities other than planting are done by the floriculturists. The channels of distribution existing in orchid and anthurium marketing in Palakkad and Thrissur districts were as follows: Channel I : Producers Pushpakrishi Vikasana Samithi/cut flower society Consumers. Channel II : Producers Local Florists Consumers. Channel III : Producers Florists (outside state) Consumers. Channel IV : Producers Consumers. Among the four channels, the most preferred channel by them was Channel I and the reasons for preference were fair & reasonable price and steady demand. The channels of distribution existing in bush jasmine cultivation were as follows: Channel I : Producers Pushpakrishi Vikasana Samithi/cut flower society Consumers. Channel II : Producers Local Florists Consumers. Channel III : Producers Consumers. Among these 3 channels, the most preferred channel by them was Channel II and the reasons for preferences were convenience and quick payment. But for orchid, anthurium and bush jasmine marketing, Channel I is considered the most efficient one. Grading and packing were not practiced by the floriculturists. They were also not having any role in fixing flower prices because of their unorganized nature and low quantity of production. Non-availability of the quality planting materials was the major problem in orchid and anthurium cultivation and in case of bush jasmine cultivation it was plant diseases. Major problems in marketing of flowers were lack of assistance from government and exploitation by the channels. In order to solve these problems, the floriculturists have to be organized under a strong government organization as a ‘Mother Unit’ which guarantees all assistance in case of production problems and marketing of flowers against timely and guaranteed payment.Item Savings and investment behaviour of rubber cultivators - a micro level analysis(Department of Rural Banking and Finance Management, College of Co-operation Banking and Management, Vellanikkara, 1998) Abhilash T Gopal; Padmini, E V KThe study entitled ‘Savings and Investment Behaviour of Rubber Cultivators- A Micro Level Analysis’ was conducted with the following objectives. To analyse the extent and pattern of savings and investment of rubber cultivators. To examine the factors influencing their savings and investment decisions. The study was confined to the rubber cultivators in Meenachil taluk of Kottayam district. The study period was Sep.1996 to Aug. 1997. The sample frame comprised 150 respondents and the respondents were classified into three groups based on their size of holdings. The groups are S1-below 1 hectare (ha), S2 between 1ha and 2ha and S3 between 2ha and 5 ha. The data collected from 150 respondents were tabulated and analysed. The study revealed that the extent of savings was highest for group S3 followed by group S1 and S2. The results indicate that the cultivation of rubber was the major source of income (almost 75 per cent of total income) in all the three cultivator groups considered for the study. Hence the size of rubber cultivation was the major income side determinant of extent of savings among the sample households. However the rate of savings showed a different pattern. The average propensity to save is lowest in group S2 (23 per cent) and is highest in group S3 (36 per cent) closely followed by group S1 (34 per cent). Though the total amount of expenditure is highest in groupS3, its extent and rate of savings are highest as it has managed a very high amount of net income. Despite having the lowest extent of net income the group S1 has achieved an appreciable rate of savings by controlling their total expenditure. From the responses of the cultivators five items viz. education of the children, ceremonies, putting up houses, saving for emergencies and bequeathing assets to spouses and children were emerged as the principal motivations for saving. The savings was mainly disposed in the form of investments in financial assets. The other major form of disposition of savings was investments in nonincome generating assets like household durables and buildings. Among the financial assets bank deposit was the most preferred option of the respondents and co-operative bank deposits had an edge over others. Rate of return followed by safety and proximity were emerged as major parameters influencing the investment options in financial assets. Investment in non income generating assets was found increasing with the increase in the size of holding. Their personal use apart, status concern and demonstration effect were the prime motivations behind such investment. The study established that though the savings is mainly generated from agriculture sector, (especially from rubber cultivation) such savings are not appropriately ploughed as investment in the same sector. Instead the savings is mainly disposed either as financial assets (a low risk low return option) or as unproductive investments.Item Appraisal of the formulation and implementation of the district credit plan in Kottayam District(Department of Rural Banking and Finance, College of Co-operation And Banking, Mannuthy, 1990) Sebastian Joseph; Mohandas, MThe study ‘An Appraisal of the formulation and implementation of the District Credit plan in Kottayam District’ has been carried out to examine the extent to which the lead banks have followed the methodology suggested for formulation of the District Credit Plan (DCP) and the Annual Action Plan (AAP).It also aims at examining the extent of co-ordination between the banks and the development departments. Comparative performance of commercial banks and the co-operative banks and assessing the extend of inter bank. Inter sectoral and inter block variations in the achievement of targets fixed under the DCP and AAPs in the Third round and until the formation of the fourth round of the District Credit Plan. The study covered all the commercial banks and co-operative banks in the Kottayam District in Kerala during the period 1983 to 1987 ie.. the 3rd round of the DCP and the AAPs prepared thereafter. A sample study of the District coordinators of the various banks were also employed for the purpose of assessing the extent of co-ordination between banks and development departments and the methodology actually followed for the preparation and implementation of the DCP. The study revealed that the RBI guidelines for formulation amd implementation of DCP and AAPs could be followed only to a limited extent in the Kottayam District due to certain built-in constraints like the absence of a District Development Plan. the lack of an effective co-ordination mechanism between banks and the development departments and the lack of synchronization between preparation of the Annual Plans by the Government and the AAP by the lead bank and the performance budgets of the commercial banks. Yet another problem was the added work load imposed on the development departments and the banks due to the implementation of the DCP. It was seen that no adequate number of staff to prepare and carry out the plan was made available to the development departments and the commercial banks. It was seen that no scientific criteria like the past performance of the banks or the credit potential of the area were effectively employed while fixing the targets for each bank as well as for the different sectors. The co-efficient of correlation between the previous year’s achievements and the succeeding year’s targets showed no significant relationship which invalidates the claim of the banks that targets have been fixed according to previous years achievements. It was noticed that in all the years the performance under the Secondary sector was much below the targets. This indicated that targets were not fixed scientifically. It was pointed out by the lead bank that the SSI targets were fixed based on the District Industries Centre (DIC) Action Plan which in turn were based on the units that sought provisional registration with it. So there was no viability or in-depth study undertaken of the potential for these schemes. High co-efficient of variation implying high degree of disparities were observed between the achievements of banks, sectors and blocks. Eventhough block-wise variations have registered a decline indicating a decline in disparities; no such trend was noticed in the sector-wise or bank-wise achievements. It was seen that the banks were more concerned with attaining the overall targets rather than achieving the individual sector targets. This was partly due to the inadequacy of the monitoring system which did not give proper attention to sectorial and block-wise targets. Thus the basic requirement that banks should deploy 40 per cent of the total advances to the priority sectors alone was considered seriously by the banks as well as by the RBI. This had lead to the banks reallocating their targets under the different sectors so as to suit their convenience. This hardly goes to justify the concept of District Credit planning exercise but is rather a negation of it.