A Study on the Water Retention Characteristics of Soils and their Improvements

Soil moisture plays a cardinal role in sustaining eclological balance and agricultural development – virtually the very existence of life on earth. Because of the growing shortage of water resources, we have to use the available water most efficiently by proper management. Better utilization of rainfall or irrigation management depends largely on the water retention characteristics of the soil.Soil water retention is essential to life and it provides an ongoing supply of water to plants between periods of irrigation so as to allow their continued growth and survival.It is essential to maintain readily available water in the soil if crops are to sustain satisfactory growth. The plant growth may be retarded if the soil moisture is either deficient or excessive. The optimum moisture content is that moisture which leads to optimum growth of plant. When watering is done, the amount of water supplied should be such that the water content is equal to the field capacity that is the water remained in the saturated soil after gravitational drainage. Water will gradually be utilized consumptively by plants after the water application, and the soil moisture will start falling. When the water content in the soil reaches the value known as permanent wilting point (when the plant starts wilting) fresh dose of irrigation may be done so that water content is again raised to the field capacity of soil.Soil differ themselves in some or all the properties depending on the difference in the geotechnical and environmental factors. Soils serve as a reservoir of the nutrients and water required for crops.Study of soil and its water holding capacity is essential for the efficient utilization of irrigation water. Hence the identification of the geotechnical parameters which influence the water retention capacity, chemical properties which influence the nutrients and the method to improve these properties have vital importance in irrigation / agricultural engineering. An attempt in this direction has been made in this study by conducting the required tests on different types of soil samples collected from various locations in Trivandrum district Kerala, with and without admixtures like coir pith, coir pith compost and vermi compost. Evaluation of the results are presented and a design procedure has been proposed for a better irrigation scheduling and management.

Service provider switching: a study on the switching process in retail banking

In a business environment that is characterized by intense competition, building customer loyalty has become a key area of focus for most financial institutions. The explosion of the services sector, changing customer demographics and deregulation and emergence of new technology in the financial services industry have had a critical impact on consumers’ financial services buying behaviour. The changes have forced banks to modify their service offerings to customers so as to ensure high levels of customer satisfaction and also high levels of customer retention. Banks have historically had difficulty distinguishing their products from one another because of their relative homogeneity; with increasing competition,the problem has only intensified with no coherent distinguishing theme. Rising wealth, product proliferation, regulatory changes and newer technologies are together making bank switching easier for customers. In order to remain competitive, it is important for banks to retain their customer base. The financial services sector is the foundation for any economy and plays the role of mobilization of resources and their allocation. The retail banking sector in India has emerged as one of the major drivers of the overall banking industry and has witnessed enormous growth. Switching behaviour has a negative impact on the banks’ market share and profitability as the costs of acquiring customers are much higher than the costs of retaining. When customers switch, the business loses the potential for additional profits from the customer the initial costs invested in the customer by the business get . The Objective of the thesis was to examine the relationship among triggers that customers experience, their perceptions of service quality, consumers’ commitment and behavioral intentions in the contemporary India retail banking context through the eyes of the customer. To understand customers’ perception of these aspects, data were collected from retail banking customers alone for the purpose of analysis, though the banks’ views were considered during the qualitative work carried out prior to the main study. No respondent who is an employee of a banking organization was considered for the final study to avoid the possibility of any bias that could affect the results adversely. The data for the study were collected from customers who have switched banks and from those who were non switchers. The study attempted to develop and validate a multidimensional construct of service quality for retail banking from the consumer’s perspective. A major conclusion from the empirical research was the confirmation of the multidimensional construct for perceived service quality in the banking context. Switching can be viewed as an optimization problem for customers; customers review the potential gains of switching to another service provider against the costs of leaving the service provider. As banks do not provide tangible products, their service quality is usually assessed through service provider’s relationship with customers. Thus, banks should pay attention towards their employees’ skills and knowledge; assessing customers’ needs and offering fast and efficient services.