A study of the co-operative banking system in kerala

The co-operative credit structure in a state set up consists of 3 tiers — Primary Societies at the base, District Co-operative Banks at the middle and State Cooperative Bank at the top. But, some societies at the primary level are governed by, in addition to Co-operative Societies Act, the Banking Regulation Act. Thus they are under dual control. In addition, they are working under the direct purview of Reserve Bank of India. The scope of this study is restricted to such Primary Societies, District Co-operative Banks and State Co-operative Bank. For the evaluation of the working of Co-operative Banks, the board of directors and staff were interviewed with the help of pre-constructed and pre-tested interview schedules. However, the share holders and customers were not interviewed mainly because almost all respondents were reluctant to provide copies of an exhaustive list of share holders and non-share holder customers, for the purpose of maintaining secrecy. This being an individual work, it was found physically and financially very difficult to extend the study so as to cover the share holders and non-share holder customers. Limitations of time were also responsible for restricting this study. The period of study was restricted to 1980-'81 to 1983-'84 as the data relating to earlier periods were firstly not available from all banks and secondly the prior data was considered out of date for the purpose of the study.

Working of Women’s Industrial Co-operative Societies in Kerala

This study deals with the working of Women’s Industrial Co-operative Societies (WICS) in Kerala. The formation of women’s co-operatives was identified as a lucrative enterprise and a feasible proposition for empowerment of women through encouraging and ensuring their active participation in the process of social and economic development. The problem of unemployment of Women and poverty in India can be tackled effectively only through suitable and appropriate self-employment schemes. WICS help to supplement the income of families and thus raise the standard of living. WICS in Kerala have a significant role in the elimination of industrial backwardness and mounting employment. This study focuses its attention on the performance aspects of WICS. It also gives an introduction to the co-operative movement and review of literature on industrial co-operatives in general and women’s industrial co-operatives in particular.

A Study of Coir Vyvasaya Co-Operative Societies in Kerala – Performance, Problems and Prospects

The present study was undertaken to evaluate the performance of Coir Vyavasaya Co-operative societies (CVCs) in Kerala. It was also intended to examine the extent of fulfillment of the objectives of Co-operativisation Scheme and the socio-economic betterment of worker members, Further the study was directed to find out the level of participation of members in the affairs of CVCs and to identify the major problems confronting the CVCs and the future prospects of the industry. The objectives of this study are to evaluate the performance of CVCs in Kerala with reference to the objectives of co-operativisation, socio-economic background of the worker members of the CVCs in the state, extent of members participation, major problems etc. Major findings of the study shows that 84% of CVCs surveyed were incurring losses, the long-term solvency position of the CVCS shows very pathetic situation, ration analysis shows and unhealthy state of affaires with respect to short-term solvency position and operating efficiency of all categories of CVS were found to be extremely poor. If CVCs are enabled to increase their quantity of production and there by the volume of business, their amount of loss can be reduced. If this is so, the societies can provide more days of employment to their work members, which will help them to earn more wages and thereby improve their economic and social conditions

A Study of Scheduled Tribe Co-Operative Societies in Wayanad District-Performance,Problems and Prospects

Department of Applied Economics, Cochin University of Science and Technology

Personnel management practices in the co-operative sector in Kerala

A study on the personnel management practices in the co+operative sector in the Kerala State is carried out during the years 1989-91, with the overall objective of assessing the extent of application of modern personnel management concepts in the cooperative organizations in the Kerala State. The specific objectives of the study are to assess the effectiveness of the various personnel management practices followed in the cooperative sector, to analyse the nature and extent of compensating the employees in co—operatives, to measure the level of job satisfaction derived by the employees, to evaluate the industrial relations existing in the co-operative organizations and to suggest, if found necessary, ways and means of toning up the personnel management practices followed in the co-operative sector in Kerala

Processing, procurement and marketing of pepper with particular reference to co-operative sector

The present Study is designed to gather, record and analyse data on history of pepper, pepper production, procurement and marketing with particular reference to Kerala. The main emphasis is given to study the'role of cooperative sector with regard to procurement and export efforts and also the services rendered by cooperative sector agencies under MARKETFED and NAFED to pepper trade. The scope of the Study covers the botany, methods of cultivation, fertilizer application, pest control management and other related aspects of pepper. Taking into consideration Kerala's supremacy in pepper cultivation and production, detailed study of its production, procurement, internal and export marketing with reference to Kerala has been given importance. As Kerala accounts for 96 per cent1 of the pepper cultivation and 94 per cent of the pepper production, the present study is entirely confined to Kerala

A Study Of The Marketing Channels Of Natural Rubber With Special Reference To Co-Operative Marketing In Kerala

The study is designed to gather, record, analyse and critically evaluate data on natural rubber production, consumption and marketing in Kerala. The scope of the study also covers the processing of natural rubber by rubber growers, especially small growers. Taking into consideration Kerala’s supremacy in natural rubber cultivation, a detailed study of marketing channels of natural rubber in Kerala, by giving special reference to co-operative rubber marketing has been given importance. Attempt has also been made to collect secondary data of the last 15 years

Private and Co-operative Granite Quarries in Thrissur District - A Comparative Study

The study is confined to non-mechanised private and cooperative granite quarries in Thrissur district. There are 90 non -mechanised quarries in Thrissur district. Data were collected for the period from 1994-'95 to 1999-2000. 315* March of every year was considered as the closing date of the year. It envisages an analysis of various problems connected with quarrying operations, financial analysis, cost analysis, demand and supply position of quarry products and socio-economic background of workers. It also suggest some measures to improve the working conditions of granite quarrying.

Dynamics Of Co-Operative Marketing In Tribiai. Economiesa Study Of Non—Timber Forest Produce Marketinowin Kerala

The following objectives have been formulated for the study. To assess the procurement and marketing practices of Non—Timber Forest Produce by tribes and Tribal Co-operative Societies and examine the role of co—operatives in liberating the tribes from the clutches of private traders. To study the relative efficiency of marketing channels. To analyse the inter—difference between tribes and regions in the collection and marketing of Non—Timber Forest produce. To examine the forward linkage of tribal co-operative societies with the Ayurvedic Medicinal Manufacturing Units of the state. To examine the impact of marketing on employment and income of tribes and To examine the extent of involvement of tribes in Tribal Co-operative Societies in policy formulation and implementation.

Efficacy of Cluster- Based Approach for the revival of Handloom Co-operative Societies in Kerala- with special reference to Thiruvananthapuram and Kannur Districts

one of the key sectors, identified by the Department of Industries Government of Kerala, for the cluster development initiative is Handloom, which gives employment to over over 50,000 people directly. Despite its age old tradition and fame, the performance of the sector vis-à-vis power looms is not very rosy owing to (i) competition from cheap power loom cloth from other states (ii) scarcity of quality yarn (iii) price escalation of yarn, dyes, chemicals and other raw materials (iv) the shrinking market for handlooms in Kerala (v) non-demand based production and inadequacy of new designs and (vi) inefficiencies in the system, particularly in the co-operative sector. Cluster based approach is adopted in the handloom sector with the objective of providing necessary support mechanism to come out of the crisis that the sector faces now. While four cluster schemes are being implemented in Kerala, it is under IHDS-CDP that the State got a sizeable number of clusters benefiting a large number of societies and weavers- 24 handloom clusters, bringing 152 handloom co-operative societies and over 19,800 handloom workers under the Programme. This research attempts to revisit the underlying rationale and context of the new direction and would attempt to broadly analyze the growth trends under the influence of cluster model adopted by the State IHDS-CDP for the revival of handloom sector through a detailed study of the handloom co-operative societies in Kerala. If handloom sector in Kerala can be revived using cluster based approach, it can be easily concluded that cluster is capable of taking the MSME in Kerala to a ‘high growth path.’ The study is aimed at understanding how best clusters emerge as appropriate industrial organization suitable for the current global structure of manufacture

A study of industrial co-operatives in kerala with special reference to modern small scale sector

The report of the Steering Committee of the Kerala State Planning Board for the preparation of the VIII five Year Plan on Industry and Hiningzslisted several factors inhibiting and promoting growth of small industrial units. Kerala's educated manpower, the native intelligence of the Keralites best suited for taking up logic—based professions and availability of a Hell—developed and broad~based physical infrastructure particularly in the transport and communications sectors, are a few of the positive factors identified. On the negative side, may be mentioned high wage rates, preference on the part of the educated for white collar Jobs, lack of entrepreneurship, paucity of essential resources for industrial use, high density of population and the distance factor which places Kerala away from the major domestic markets. In this context, it would appear that the industrial co-operative movement could possibly play a vital role in accelerating-the momentum of small industrial development of Kerala which has a Health of highly educated and skilled manpower. However, in spite of the encouragement extended by the Government, the movement does not seem to have.been picking up in the modern small scale sector. The present study is an attempt to analyse the factors that have affected the performance of the industrial co—operatives in the small scale industrial sector of Kerala.

Aircraft down-range profiles formed from simulated and compact-range radar backscatter

Compact-range radar backscatter measurements are taken of aircraft scale models. In addition, computer software is used to predict the RCS of the aircraft. Synthetic down-range profiles formed from the two sources of backscatter data are compared and visualized in an innovative manner. Similar discrimination rates between the two aircraft are obtained on data from both source

Isolation and Characterization of Agglutinin in the Hemolymph of Penaeus indicus H. Milne Edwards

The present study is an attempt to find out the ralation between RNA/DNA ratio, protein,percentage growth rate and specific growth rate of prawn,Penaeus indicus with respect to Nervous system, Eyestalk and Muscle tissues during ontogenesis. We have isolated and purified a natural agglutinin in the hemolymph of P.indicus with antigenecity, agglutinating, hemolytic and antibacterial properties. The influence of growth and environmental parameters on the level of agglutinin in the hemolymph was studied. Agglutinin concentration during normal growth process was compared. The agglutinin concentration in the hemolymph was quantified through developing ELISA, which is useful in health monitoring studies of individual species. Complete amino acid composition of both the subunits of P.indicus agglutinin were analysed. P.indicus agglutinin showed similarity to those proteins having antigenecity,hemolytic and agglutinating properties.Hence, agglutinin was considered as a natural defence protein in the hemolymph of P.indicus responsible for immune surveillance. The humoral defence mechanism of agglutinin was a co-operative effort with hemocytes and complement system. The composition of isolated agglutinin of P.indicus amino acids will be helpful in the synthesis of new antibacterial analogues which can be used against disease causing organisms.