A Study Of Chit Finance In Kerala With Special Emphasis On Kerala State Financial Enterprises Ltd.

Chit funds contribute to the value of financial markets in India particularly in Kerala. Chit finances with its unique features are of great significance especially as a savings cum borrowing avenue. The present study entitled “A Study of chit Finance in Kerala with special emphasis on Kerala State Financial Enterprises Ltd.” examines the socio-economic aspects of Chit schemes run by the private Chit Funds, KSFE, co-operatives, and informal Chit Funds. The study is an attempt to find the reasons for the growing popularity of Chit Funds as savings cum borrowings avenues even in the presence of various other avenues of savings and borrowings and also to understand how the Chit subscribers utilize the funds. The objectives of the present study are to examine the trends and pattern of growth of Chit Funds in the formal sector in Kerala, performance of KSFE as the only public sector Chit Fund company in India, preference for joining Chit Funds, estimate the cost and return on Chit Funds etc. is an indigenous financial instrument is complementary to modern financial techniques of savings and borrowings. KSFE is the dominant foremen in the chit business in Kerala, its weaknesses result in the non-attainment of certain objectives. Driven by the growing trend of privatization, KSFE needs to be innovative and competitive. It is also necessary that KSFE continue its leadership role by being more effective in being the harbinger of more efficiency, professionalism and good governance in the Chit Fund Industry. The growth and development of chit business by protecting the interests of both the subscribers and the foremen will therefore be most beneficial for any growing economy.

Women Industrial Cooperatives- An Analysis of Its Structure, Performance and Growth in Kannur District

In the present study made an attempt to analyse the structure, performance and growth of women industrial cooperatives in kannur district, Kerala. The study encompasses all women industrial cooperatives registered at the district industries center, kannur and that currently exist. The women industrial cooperatives are classified into two ie; group with network and another group without network. In Kannur there are 54 units working as women industrial cooperatives. One of the main problems the women cooperatives face is the lack of working capital followed marketing problem. The competition between cooperatives and private traders is very high. The variables examined to analyse the performance of women industrial cooperatives in Kannur showed that there exists inter unit differences in almost all the variables. The financial structure structure shows that the short term liquidity of women cooperatives in Kannur favour more the units which have political networks; but the long term financial coverage is seen to be highly geared in this group, not because of a decline is net worth but due to highly proportionate increase in financial liabilities in the form of borrowings. The encouragement given by the government through financial stake and other incentives has been the major factor in the formation and growth of women cooperatives. As a result both productivity and efficiency improves in the cooperatives. In short the present study helped to capture the impact, role and dynamics of networking in general and socio political network in particular in relation to intra and inter unit differences on the structure, growth and performance of women industrial cooperatives societies in Kannur district

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.

Industrial Growth in Madhya Pradesh: Structure and Economic Backwardness

It examine the aspects of Madhya Pradesh’s industrial structure which throw light on the development, viability and the efficiency of not only the over all industrial sector but also some of the selected industries of the state. The major objectives of are to examine the nature and characteristics of economic backwardness in Madhya Pradesh in an inter-state comparative framework and to analyse the pace and pattern of industrial growth in Madhya Pradesh against the backdrop of liberalization. To explore the industrial structure of Madhya Pradesh using the major structural ratios and industry mix. This study has underlined some structural as well as region specific constraints to the accelerated growth of the manufacturing industry in Madhya Pradesh. The industrial structure of Madhya Pradesh is concentrated and lop-sided. This is evidenced by the dominancy of single industry, basic metal and alloys. A diversified industrial structure is essential for promoting interdependent growth of the manufacturing industry based on the inter-industry linkages and agglomeration. The thesis gives a broad spectrum of regional disparities in development and evidence for Madhya Pradesh’s backwardness also portrayed and reflects the changing industrial structure of the state.

Efficiency in Central Public Sector Enterprises in Kerala

For the analysis of productivity, capacity utilisation and profitability the data relating to the manufacturing central public sector enterprises in Kerala have been collected from the published annual reports of the companies, public enterprises surveys of Bureau of Public Enterprises (BPE), Economic Review of State Planning Board (SPB) and statistical review of central government enterprises by Centre for Monitoring Indian Economy (CMIE). Primary data have been collected by conducting personal interview with the high and middle level executives.