Barriers Faced By Micro, Small And Medium Enterprises In Raising Finance

Worldwide, Micro, Small and Medium Enterprises (MSMEs) have been accepted as an engine of economic growth and for promoting equitable development. In developing countries including India, Micro, Small and Medium Enterprises sector constitute an important part in its development. In spite of this importance, this sector face number of constraints like absence of adequate and timely supply of bank finance, difficulties in procuring raw materials, marketing and distribution challenges and non availability of suitable technology. Review of literature found that there exists problem in accessing finance from banks and financial institutions and this problem may differ from region to region, between sectors, or between individual enterprises within a sector. This paper tries to identify the various barriers faced by these units in raising finance and also try to identify the various sources of finance other than banks. The study is based upon the primary data collected from the 200 MSMEs owners in Kozhikode District of Kerala. The data has been analysed with the help of percentage. The study attempts to submit some recommendations to enhance the overall credit accessibility to MSMEs sector

Haematological and Toxicological studies on brackish water fish Etroplus maculatus (Bloch)”

Fishes are one of the most important members of the aquatic food chain, and through them some toxicants may reach human beings as well. The selection of organisms for toxicity test is mainly based on certain criteria like its ecological status, position within the food chain, suitability for laboratory studies, genetically stable, uniform populations and adequate background data on the organism (Buikema et al., 1982). The species selected for the present study Etroplus maculatus satisfy most of the above protocols. Rechten (1980) opined it as a laboratory favorite of fish researchers. However, there are difficulties in the rise of fishes for pollution assessment impact. Most important of these is our limited understanding of the mechanism of toxicity. The interpretation of the significance or specificity of a measured biological response could there for become difficult. Not withstanding these limitations, attempts have been made to the normal haematology and to analyze the impact of heavy metal at realistic levels to the experimental media, on the haematology, and enzymatic activity and histology of Etroplus maculatus

A framework for translating English text into Malayalam using statistical models

A methodology for translating text from English into the Dravidian language, Malayalam using statistical models is discussed in this paper. The translator utilizes a monolingual Malayalam corpus and a bilingual English/Malayalam corpus in the training phase and generates automatically the Malayalam translation of an unseen English sentence. Various techniques to improve the alignment model by incorporating the morphological inputs into the bilingual corpus are discussed. Removing the insignificant alignments from the sentence pairs by this approach has ensured better training results. Pre-processing techniques like suffix separation from the Malayalam corpus and stop word elimination from the bilingual corpus also proved to be effective in producing better alignments. Difficulties in translation process that arise due to the structural difference between the English Malayalam pair is resolved in the decoding phase by applying the order conversion rules. The handcrafted rules designed for the suffix separation process which can be used as a guideline in implementing suffix separation in Malayalam language are also presented in this paper. Experiments conducted on a sample corpus have generated reasonably good Malayalam translations and the results are verified with F measure, BLEU and WER evaluation metrics