1. KAUTIR (Kerala Agricultural University Theses Information and Retrieval)

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    Institutional intervention by dairy co-operatives in Palakkad District
    (Department of Co-operative Management, College of Co-operation, Banking & Management,Vellanikkara, 2021) Maria Poulose, T; Veerakumaran, G
    Kerala currently represents the twelfth largest dairy market in India. The share of livestock in Gross State Value Added (GSVA) from the agriculture sector in Kerala is above 27 percent. The livestock population in Kerala was 38.36 lakh in the year 2020 (Economic Review Report, 2020). Dairy co-operatives are functioning to support dairy farmers in the processing and selling of milk and milk products. The common need of milk producers is to obtain a fair price for their milk and this is fulfilled through collective marketing. Milk is considered to be one of the most sensitive products under agriculture and allied sector, requiring special and timely care and this can be provided through the collective operation of dairy co-operative societies. The present study was undertaken with the following objectives viz., to analyze the performance of selected dairy co-operatives, to evaluate the services rendered by the selected dairy co-operatives, to assess the extent of utilization of services by the member farmers, to assess the role of selected dairy co-operatives in the empowerment of member farmers, and to study the problems faced by the dairy farmers. The sample size consists of 256 (Active members-200, BOD-36, Employees 20) were selected from four dairy co-operative societies from Palakkad district namely, Moolathara Ksheerolpadaka Sahakarana Sangam Ltd. No. P 65 (D), Kunnamkattupathy Ksheerolpadaka Sahakarana Sangam Ltd. No. P 126 (D), Menonpara Ksheerolpadaka Sahakarana Sangam Ltd. No. P 281 (D) and Attappadi Ksheerolpadaka Sahakarana Sangam Ltd. No. P 558 (D). The performance of selected dairy co-operatives was analyzed through the variables namely farmer member participation, financial indicators, structural factors, managerial factors, legal, political factors, technological factors, functional factors, human resource factors, and co-operative governance. The percentages and index methods with graphical representations were used for the study. The membership was more in Moolathara DCS and less in Menonpara DCS. The milk procurement and milk supply were more in Moolathara DCS and less in Attappadi DCS. The local milk sale was more in Menonpara DCS and less in Moolathara DCS. The farmer participation levels in dairy co-operatives were higher among the respondents. The financial indicators, structural factors, managerial factors, legal, political factors, technological factors, functional factors, human resource factors, and co-operative governance also showed a positive result in the study. But, the absence of trained Artificial Insemination (AI) and Veterinary First Aid (VFA) workers was the major problem faced by the dairy farmers in the dairy co-operative societies. The services offered by the selected dairy co-operative societies were evaluated by using the index method and percentage methods. The offered schemes and services are grouped into production enhancement services, Flood and COVID-19 related services, and dairy farmer welfare board services. Out of these schemes, the level of utilization was more for production enhancement services compared to other schemes. The participated dairy farmers opined positively for the effectiveness of schemes and services by the dairy co-operatives. The empowerment of dairy farmers was analyzed by using the index method. The different types of empowerments studied were social empowerment, Economic empowerment, Psychological empowerment, and Political empowerment. The opinion towards all types of empowerments except political empowerment was higher. The political empowerment level was marked as low. It indicates less political empowerment through the dairy co-operatives. The problems related to milk production, procurement, the impact of flood and covid-19 in dairying, and constraints in availing services and schemes were examined by using the index method. The climatic variation has highly affected the quantity of milk production. The non-availability of labor and Lack of sufficient veterinary services is the major problem faced by dairy farmers. The flood of 2018, 2019 didn’t affect the dairy farmers. But COVID-19 lockdown affected milk transportation to DCS and it affected the quantity of milk procured by the dairy co-operative society. It finally leads to a decrease in profit from the sale of milk. The study can be concluded that the performance of the dairy co-operatives shows strong farmer member participation, financial, structural, managerial, legal, political, technological, functional, and human resource factors, and co-operative governance in the dairy sector. All the services rendered by the co-operative societies were utilized by the farmers based on their requirements. By providing the services by the dairy cooperatives, they assured the economic, social, psychological empowerment except for political empowerment. Still, the farmers were facing the problems in dairying like the absence of trained Artificial insemination and Veterinary First Aid worker to provide veterinary services, Climatic problems, and scarcity of labour. The recommendation of the study includes the appointment of trained Artificial insemination and Veterinary First Aid worker to provide veterinary services, the conduct of awareness program for the dairy farmers related to the health problems faced by the cattle, and also conduct of awareness classes for attracting youth towards dairy farming and create labour groups by the dairy co-operatives to solve the problem of scarcity of labours.
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    Perfomance evaluation of rubber producers society Poothrikka Ernakulam district
    (Department of Co-operative Management, College of Co-operation Banking and Management, Vellanikkara, 2020) Amritha Anand; Veerakumaran, G
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    Institutional interventions of Venad poultry farmer producer company in augumenting farm income
    (Department of Co-operative Management, College of Co-operation Banking and Management, Vellanikkara, 2020) Soni Solaman; Veerakumaran, G
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    Performance evaluation of primary co-operative agricultural development banks in central Kerala
    (Department of Co-operative Management , College of Co-operation & Management,Vellanikkara, 2019) Niranjana Chandran; Veerakumaran, G
    Agriculture in India has shared the thought, outlook and culture of the people of India for centuries and constitutes the backbone of Indian economy. Agricultural credit has played an important role in the development of agricultural sector, specifically investment credit in increasing production and productivity. Agriculture, during its primitive stage, the necessity of long term credit was not felt. However, the innovations in agricultural technologies paved way for vast potentialities for agricultural development. Currently, the long term credit has been viewed as essentially a vibrant credit in such a way that it supports the farmer to create assets on land, thereby augmenting his output which subsequently adds to the agricultural production in the country. The most important agency that lends long term investment credit to farmers is the Cooperative Agricultural and Rural Development Banks. The Cooperative Agricultural and Rural Development Banks were the pioneers in providing investment credit for agriculture and were started primarily for this purpose. The banks have been assigned a vital role in agricultural development in the state. However, the PCARDBs in Kerala are passing through a critical stage of their growth. A good number of them are running at loss and their overdue are mounting over the years (RBI, 2015) which is already explained by a number of studies. It was found that the constraints are due to the poor recovery management, differential rate of interest when compared to commercial banks and private banks, restricted area of operation, restricted mobilisation of funds and restricted investments. In this context, a study on the “Performance Evaluation of Primary Cooperative Agricultural and Rural Development Banks in Central Kerala” was taken up with the objective of analysing the financial performance of these banks, examining the operational and managerial problems existing in the banks and to study the loan utilisation pattern and repayment behaviour of farmers. The study area covered Thrissur, Ernakulum and Palakkad districts of Central Kerala which were selected based on the highest number of PCARDBs in each district in Central Kerala. From each district, the PCARDB which had the highest loan disbursed during the year 2015-16 was selected for the study. Thus, Irinjalakkuda PCARDB from Thrissur, Aluva PCARDB from Ernakulum and Alathur PCARDB from Palakkad districts were selected for the study. 231 The secondary data for studying the financial performance was collected from the Annual reports for ten years (from 2008-09 to 2017-18) of these banks and was analysed with the help of statistical tools such as financial ratios, CAGR and simple growth rate. The primary data for examining the operational and managerial problems existing in the banks was collected from board of directors and employees of the selected banks using a pre-tested structured interview schedule. The data thus collected was analysed using the tools indices, percentages and Kruskal-Wallis H test. The primary data for studying the loan utilisation pattern and repayment behaviour of farmers was collected from randomly selected 180 farmers (60 from each bank) using a pre-tested structured interview schedule and was analysed with the support of the statistical tools percentages, indices, Kendall’s coefficient of concordance and binary logistic regression model. By analyzing the first objective, it was found that Aluva and Alathur PCARDBs were efficient in mobilising funds, in deployment of the funds and also efficient in its operations. However, Irinjalakkuda PCARDB after bifurcation during the year 2015-16 witnessed decline in their operations resulting in subsequent loss for the bank from the year 2015-16. However, among the three banks, Alathur PCARDB excelled in performance. The second objective was analysed from the perspective of board of directors and employees. From the point of view of the directors the issue was studied under four heads viz., administrative problems, functional problems, structural problems and human resource related problems. The administrative problems were further subdivided as problems related to board meeting, problems related to general body meeting and problems related to audit. In the same way from the employee’s perspective it was studied under the heads viz., structural, functional, administrative and human resource problems. The results showed that in the opinion of board of directors the major problem confronted by the banks were increasing NPA. Further, according to the board no other major administrative/functional/structural issues were persisting in the banks. However, the perception of employees were different from that of the board of directors. In their opinion, the major problems confronted by the banks were “absence of technological upgradation”, “lack of modern practices of banking” “absence of modern management techniques and MIS” as structural problems, “mounting NPA”, “high interest on loans” “existence of govt. loan waiver schemes” as functional problems “competition from other financial intermediaries” and “impact 232 of demonetization” as administrative problems “absence of specialised staff”, “lack of professional skills” and “staff paucity and employee overburden” as human resource related problems. The analysis of the third objective concluded that majority of the borrowers had diverted the loan for other purposes like renovation, repair and maintenance of houses, marriage ceremonies, building up of commercial space, purchase of inputs, payment of wages, medical expenses, emergency needs of friends and relatives etc. The study on repayment behaviour of farmers found that the variables, age, economic status and membership in bank had statistical significance in repayment behaviour of the borrowers of Aluva bank, whereas education status, income status and land holding were found to have statistical significance for borrowers of Alathur bank and for Irinjalakkuda bank variables education status and duration of membership in the bank had statistical significance on the repayment behaviour of borrowers. Further, high interest rate, reduction in employment and fall in price of agricultural commodities were found to be the major causes of non-repayment of loan by the farmers. Finally, incentives for prompt repayment, timely reminders, reduction in interest rates, small installments and fixation of recovery period in coincidence with the harvest/income period were the suggestions put forth by the farmers for reducing loan default. The member farmers, the board of directors and the employees are the three important pillars on which the success and sustainability of a cooperative organisation rests. It is obvious from the study that the board of directors of the sample banks are scrupulous, conscientious and meticulous in carrying out their duties and responsibilities supported by a band of committed employees and dedicated member patrons. However, a few issues had been revealed in the study which could be addressed by the concerted efforts of all these three stakeholders. The banks should initiate measures to check the problem of mounting overdue by creating awareness among the borrower farmers for proper loan utilisation and prompt repayment. Banks should introduce mechanisms for post loan supervision and monitoring which should be the joint responsibility of the employees and the members of board. In toto, the overall performance of the selected banks were satisfactory which can be improved further and sustained in the future for the betterment of the cooperative banking structure and to induce confidence in the minds of the member patrons of the cooperatives.