A Study of Credit Guarantee Fund Trust for Micro and Small Enterprises with particular reference to Bank of Baroda in state of Kerala

While the quantum of advances from the public sector banks (PSBs) to the MSEs has increased over the years in absolute terms, from Rs.46, 045 crore in March 2000 to Rs.1, 85,208 crore in March 2009, the share of the 7credit to the MSE sector in the Net Bank Credit (NBC) has declined from 12.5 per cent to 10.9 per cent. Similarly, there has been a decline in the share of micro sector as a percentage of Net Bank Credit (NBC) from 7.8 per cent in March 2000 to 4.9% in March 2009. (TKA.Nair, 2010)9.The major reasons for low availability of bank finance to this sector are high risk perception of the banks in lending to MSEs and high transaction costs in processing of loan applications of MSEs. The problem is more serious for micro enterprises requiring small loans and the first generation entrepreneursThe thesis studies the divergence in guidelines by, CGTMSE, RBI & Bank of Baroda on collateral free lending and analyses the awareness of MSE about CGTMSE lending. The researcher tries to assess the problems faced by borrowers in availing advance under CGTMSE from Bank of Baroda, Kerala.

Transition metal complexes derived from ketone based N(4)-substituted thiosemicarbazones: Crystal structures and spectral studies

Thiosemicarbazones have recently attracted considerable attention due to their ability to form tridentate chelates with transition metal ions through either two nitrogen and sulfur atoms, N–N–S or oxygen, nitrogen and sulfur atoms, O–N–S. Considerable interest in thiosemicarbazones and their transition metal complexes has also grown in the areas of biology and chemistry due to biological activities such as antitumoral, fungicidal, bactericidal, antiviral and nonlinear optical properties. They have been used for metal analyses, for device applications related to telecommunications, optical computing, storage and information processing.The versatile applications of metal complexes of thiosemicarbazones in various fields prompted us to synthesize the tridentate NNS-donor thiosemicarbazones and their metal complexes. As a part of our studies on transition metal complexes with these ligands, the researcher undertook the current work with the following objectives. 1. To synthesize and physico-chemically characterize the following thiosemicarbazone ligands: a. Di-2-pyridyl ketone-N(4)-methyl thiosemicarbazone (HDpyMeTsc) b. Di-2-pyridyl ketone-N(4)-ethyl thiosemicarbazone (HDpyETsc) 2. To synthesize oxovanadium(IV), manganese(II), nickel(II), copper(II), zinc(II) and cadmium(II) complexes using the synthesized thiosemicarbazones as principal ligands and some anionic coligands. 3. To study the coordination modes of the ligands in metal complexes by using different physicochemical methods like partial elemental analysis, thermogravimetry and by different spectroscopic techniques. 4. To establish the structure of compounds by single crystal XRD studies

Studies on the microbial pathogens salmonella and vibrio parahfamolyticus in selected marine products

This thesis deals initially with a literature reference survey ,taxonomy, their incidence in selected food fishes and shellfishes, and their incidence and distribution, their survival during different types of processing, their heat survival at temperatures of 50 ,55 and 60 degree centigrade their growth initiation at different low levels of pHs(4.0 to 10) ,and their developmental resistance to various chemical agents. The trials for the study were collected from various landing centre at cochin and the retail outlets. Based on these data collections the researcher was able to obtain more knowledge of the processing technology and the survival of pathogens like salmonella and vibrio parahaemolyticus.

Parasite distribution and histopathological studies on certain commercially important fishes of cochin area

In order to check the damage caused by the parasites, even though it is difficult in open waters, a proper understanding of the seasonal variation in the distribution of the parasite and other factors like age of the host, sex of the host, which affect distribution of parasite is a must. Although several workers have carried out investigations on the taxonomy of metazoan parasites of marine and brackish water Fishes of India, very little attempt is made to correlate such investigations with the host and the environment. In this thesis such an attempt is made by the researcher. In chapter one the literature related to the prevalence, mean intensity of infection, and histopathological changes caused by the metazoan parasites, in particular by helminths, copepods and isopods, was reviewed. Chapter two contains observations on the distribution pattern of parasites in relation to the season, sex, and size of the host. It was found that the prevalence rate of radiorynchus_indicus infecting the alimentary canal of Tachysurugs mgacuglatus, Ergasilus sp. infecting the gills of T maculatus, and Lernaeeniicus ramosus found on the body surface of Qeimgipteirfugs jagonicus was higher during monsoon season. But agarna malayi found in the opercular chamber and Ehilometra cephalus infecting the gonads of valamugil speiglari showed a higher prevalence rate during the postmonsoon season. This was discussed on the basis of the hydrographical characteristics prevailing in the study area during the three different seasons. It was also observed that the sex of the host did not influence significantly the distribution pattern of the parasites. The reasons for this were also discussed. Invariably, the size of the host was found to influence the parasite distribution pattern. It was observed that the prevalence rate showed an increase with increase in size of the fish. This was discussed on the basis of food habits of the host, along with other aspects An attempt was made in chapter three to study the histopathological effects of‘ the various parasites on their respective sites of attachments on host Fishes. It was found that except Rhadinorhyhchugs indicus, all other parasites produced damages of varying intensity, in the form of hypertrophy, rhyperplasia, haemorrhage, tissue disruption and ulcers. Interestingly, E. indicus, an acantho— cephalid with a powerful proboscis for attachment was found not to cause any serious damage to the intestine of the host Fish. All these aspects are included in the third and final chapter of the thesis.

Studies on nonlinear dynamics of certain reaction systems

The nonlinear dynamics of certain important reaction systems are discussed and analysed in this thesis. The interest in the theoretical and the experimental studies of chemical reactions showing oscillatory dynamics and associated properties is increasing very rapidly. An attempt is made to study some nonlinear phenomena exhibited by the well known chemical oscillator, the BelousovZhabotinskii reaction whose mathematical properties are much in common with the properties of biological oscillators. While extremely complex, this reaction is still much simpler than biological systems at least from the modelling point of view. A suitable model [19] for the system is analysed and the researcher has studied the limit cycle behaviour of the system, for different values of the stoichiometric parameter f, by keeping the value of the reaction rate (k6) fixed at k6 = l. The more complicated three-variable model is stiff in nature.

Circulation in the indian ocean in relation to the monsoon circulation of the atmosphere

The present thesis is an attempt by the researcher to Investigate the surface circulation of the Indian Ocean, north of 2095 in relation to the atmospheric circulation over the ocean. The aim is achieved by working out the circu1ation pattern and correlating it with the computed wind stress and its vorticity. The month wise surface circulation is arrived by drawing the streamlines, using freshand method with superimposed isotache. The zonal ad meridional componance of the wind stress and the curl of the wind stress are computed for each month over 2° latitude longitude quadrangle from the bulk aerodynamic formula, using a computer program. The data for drawing the surface circu1ation and for computing the wind stress and its curl have come from the Dutch Atlas.

Studies on the ecology and productivity of saline lagoon

A perusal of the literature shows that most of the earlier works on the ecology and productivity from the Indian waters have been confined to the estuarine ecosystms and contiguous neritic and oceanic water bodies. Although some information is available on certain aspects of the envirornental parameters from the ‘coastal lagoon ecosystem‘, there is hardly any indepth study on the ecological and productivity problems from "derlict saline lagoonal environment" in India . In view of this, the researcher undertook a study on the subject "ecology and productivity“ of a typical “coastal saline lagoon"(Pilla;headan lagoon) situated along the southeast coast of India for a period of two years!-N11, 1982 to June, 1984) , and the results of the investigations are embodied in the present thesis entitled "studies on the ecology and productivity of saline lagoon‘.

Some problems of discrete function theory

An attempt is made by the researcher to establish a theory of discrete functions in the complex plane. Classical analysis q-basic theory, monodiffric theory, preholomorphic theory and q-analytic theory have been utilised to develop concepts like differentiation, integration and special functions.

Fluid mechanics-non-linear waves studies on korteweg-de vries equations

In this thesis the author has presented qualitative studies of certain Kdv equations with variable coefficients. The well-known KdV equation is a model for waves propagating on the surface of shallow water of constant depth. This model is considered as fitting into waves reaching the shore. Renewed attempts have led to the derivation of KdV type equations in which the coefficients are not constants. Johnson's equation is one such equation. The researcher has used this model to study the interaction of waves. It has been found that three-wave interaction is possible, there is transfer of energy between the waves and the energy is not conserved during interaction.

Personal finance of gulf-returned Keralites

The study is about the Gulf-returned Keralites and their personal financial planning during the Gulf-period. The researcher has examined the nature of their income, expenditure, savings and investments during the Gulf-period and after their return. Even though the Gulf-returned Keralites had remitted huge amounts to Kerala, it appears that the majority of them are struggling hard to make both ends meet. The sample consists of 318 Gulf-returned Keralites selected by employing stratified random sampling technique, from 5 districts. After a pilot study, the data was collected through personal interviews using a structured schedule. In order to find out whether the respondents had personal financial planning during the Gulf-period, the researcher has evaluated 15 elements of personal financeusing a five-point-scale rating technique. The hypotheses were tested using correlation, t-test, chi-square and ANOVA, through SPSS.

Studies on Latex Reclaim and its Blends

The primary aim of this work has been to develop a cost effective process that can be operated at room temperature for developing latex reclaim with superior mechanical properties. With this objective in mind the researcher proposes to study the reclaiming action of four different chemicals on latex products waste. Waste latex products are chosen because it has a higher potential to generate good quality rubber hydrocarbon since all latex products are based on either high quality concentrated latex or creamed latex. Moreover, all latex products are only lightly crosslinked and not masticated and hence not mechanically degraded. The author also proposes to fully explore the possible application of latex reclaim in various fields..

Performance Effectiveness Of Bank Managers: A Study Of Psycho-Social Correlates

The present study by the researcher focuses attention on the problem of performance effectiveness among managers operating in one of the critical and socially important sectors of our economy namely commercial banking. The banking sector is selected for the study due to two reasons. Firstly, commercial banking plays an important role in the country's development. Secondly, for improving the efficiency of the banking system, we need to know more about the performance dynamics of the executives in our banking organizations

Behavioural Competency Management with special reference to Commercial Banks headquartered in Kerala

This study aims to analyze, compare and contrast the behavioral competency of officials in commercial banks headquartered in Kerala. This is done by analyzing the soft skills/behavioral skills possessed by an individual employee in both clerical and managerial levels and the means adopted to enhance their said skills in near future. The study was conducted with the objective of analyzing the behavioral competency of the managers and clerical staff in the commercial banks headquartered in Kerala. The researcher has gone through the available literature with respect to employee competency, job satisfaction and employee performance evaluation to formulate the problem and conceptualize the framework of the study. The study concluded that the competency of the employees differs from one bank to the other but strengthening the employees’ competency is the only possible solution by which the banks can determine their future growth prospects. Only through competency, banks can achieve high level of performance especially under the globalised situation.