Refinance operations of the national bank for agriculture and rural development-the kerala experience

NABARD has completed 14 years of operation.ln the light of its experiences and achievements, the performance ev.ilu.ilion of the National Bank need to be looked into.This could provide certain criteria for its strength and weakness which may help in consolidating the institution for better utilisation of its potentialities. It is also noteworthy that no evaluative study on the National Bank has been conducted in Kerala. The Major objective of this study is to evaluate the role of NABARD in catering to the long-term agricultural requirements of Kerala for 1982 to 1992.This is done by analysing the quantum and quality of NABARD's schematic refinance. The qualitative indices like (1) the efficiency of loan recovery, (2) the impact or financial viability of NABARD refinanced schemes, (3) the credit gap, (4) the commitment-disbursement gap, and (5) the imbalances in the NABARD refinance form the core of the study.Hypotheses were formulated inorder to study and analyse these qualitative indices. The study is presented in eight chapters

Coconut Phenology and Yield Response to Climate Variability and Change

The present investigation on “Coconut Phenology and Yield Response to Climate Variability and Change” was undertaken at the experimental site, at the Regional Station, Coconut Development Board, KAU Campus, Vellanikkara. Ten palms each of eight-year-old coconut cultivars viz., Tiptur Tall, Kuttiadi (WCT), Kasaragod (WCT) and Komadan (WCT) were randomly selected.The study therefore, reinforces our traditional knowledge that the coconut palm is sensitive to changing weather conditions during the period from primordium initiation to harvest of nuts (about 44 months). Absence of rainfall from December to May due to early withdrawal of northeast monsoon, lack of pre monsoon showers and late onset of southwest monsoon adversely affect the coconut productivity to a considerable extent in the following year under rainfed conditions. The productivity can be increased by irrigating the coconut palm during the dry periods.Increase in temperature, aridity index, number of severe summer droughts and decline in rainfall and moisture index were the major factors for a marginal decline or stagnation in coconut productivity over a period of time, though various developmental schemes were in operation for sustenance of coconut production in the State of Kerala. It can be attributed to global warming and climate change. Therefore, there is a threat to coconut productivity in the ensuing decades due to climate variability and change. In view of the above, there is an urgent need for proactive measures as a part of climate change adaptation to sustain coconut productivity in the State of Kerala.The coconut productivity is more vulnerable to climate variability such as summer droughts rather than climate change in terms of increase in temperature and decline in rainfall, though there was a marginal decrease (1.6%) in the decade of 1981-2009 when compared to that of 1951-80. This aspect needs to be examined in detail by coconut development agencies such as Coconut Development Board and State Agriculture Department for remedial measures. Otherwise, the premier position of Kerala in terms of coconut production is likely to be lost in the ensuing years under the projected climate change scenario. Among the four cultivars studied, Tiptur Tall appears to be superior in terms of reproduction phase and nut yield. This needs to be examined by the coconut breeders in their crop improvement programme as a part of stress tolerant under rainfed conditions. Crop mix and integrated farming are supposed to be the best combination to sustain development in the long run under the projected climate change scenarios. Increase in coconut area under irrigation during summer with better crop management and protection measures also are necessary measures to increase coconut productivity since the frequency of intensity of summer droughts is likely to increase under projected global warming scenario.

Assessment of trophic change and its probable impact on tropical estuarine environment (the Kodungallur-Azhikode estuary, India)

The cumulative effects of global change, including climate change, increased population density and domestic waste disposal, effluent discharges from industrial processes, agriculture and aquaculture will likely continue and increases the process of eutrophication in estuarine environments. Eutrophication is one of the leading causes of degraded water quality, water column hypoxia/anoxia, harmful algal bloom (HAB) and loss of habitat and species diversity in the estuarine environment. The present study attempts to characterize the trophic condition of coastal estuary using a simple tool; trophic index (TRIX) based on a linear combination of the log of four state variables with supplementary index Efficiency Coefficient (Eff. Coeff.) as a discriminating tool. Numerically, the index TRIX is scaled from 0 to10, covering a wide range of trophic conditions from oligotrophic to eutrophic. Study area Kodungallur-Azhikode Estuary (KAE) was comparatively shallow in nature with average depth of 3.6±0.2 m. Dissolve oxygen regime in the water column was ranged from 4.7±1.3 mgL−1 in Station I to 5.9±1.4 mgL−1 in Station IV. The average nitrate-nitrogen (NO3-N) of KAE water was 470 mg m−3; values ranged from Av. 364.4 mg m−3 at Station II to Av. 626.6 mg m−3at Station VII. The mean ammonium-nitrogen (NH4 +-N) varied from 54.1 mg m−3 at Station VII to 101 mg m−3 at Station III. The average Chl-a for the seven stations of KAE was 6.42±3.91 mg m−3. Comparisons over different spatial and temporal scales in the KAE and study observed that, estuary experiencing high productivity by the influence of high degree of eutrophication; an annual average of 6.91 TRIX was noticed in the KAE and seasonal highest was observed during pre monsoon period (7.15) and lowest during post monsoon period (6.51). In the spatial scale station V showed high value 7.37 and comparatively low values in the station VI (6.93) and station VII (6.96) and which indicates eutrophication was predominant in land cover area with comparatively high water residence time. Eff. Coeff. values in the KAE ranges from −2.74 during monsoon period to the lowest of −1.98 in pre monsoon period. Present study revealed that trophic state of the estuary under severe stress and the restriction of autochthonous and allochthonous nutrient loading should be keystone in mitigate from eutrophication process