Customer perceptions of Banking Products and Services in Kerala with reference to Specific Customer Segments in the Urban Area

As of 1999. the state of Kerala has 3210 offices of scheduled commercial banks (SCBS). In all, there are 48 commercial banks operating in Kerala, which includes PSBs, OPBs, NPBS. FBs, and Gramin Banks. The urban areas give a complete picture of the competition in the present day banking scenario with the presence of all bank groups. Semi-urban areas of Kerala have 2196 and urban areas have 593 as on March 1995.“ The study focuses on the selected segments ofthe urban customers in Kerala which is capable of giving the finer aspects of variation in customer behaviour in the purchase of banking products and services. Considering the exhaustive nature of such an exercise, all the districts in the state have not been brought under the purview of the study. Instead. three districts with largest volume of business in terms of deposits, advances, and number of offices have been short listed as representative regions for a focused study. The study focuses on the retail customer segment and their perceptions on the various products or services offered to them. Non Resident Indians (NRIs), and Traders and Small—ScaIe Industries segments have also been included in the study with a view to obtain a comparative picture with respect to perception on customer satisfaction and service quality dimensions and bank choice behaviour. The research is hence confined to customer behaviour and the implications for possible strategies for segmentation within the retail segment customers

Spatio-Temporal Changes in the Wetland Ecosystem of Cochin City using Remote Sensing and GIS

Urban developments have exerted immense pressure on wetlands. Urban areas are normally centers of commercial activity and continue to attract migrants in large numbers in search of employment from different areas. As a result, habitations keep coming up in the natural areas / flood plains. This is happening in various Indian cities and towns and large habitations are coming up in low-lying areas, often encroaching even over drainage channels. In some cases, houses are constructed even on top of nallahs and drains. In the case of Kochi the situation is even worse as the base of the urban development itself stands on a completely reclaimed island. Also the topography and geology demanded more reclamation of land when the city developed as an agglomerative cluster. Cochin is a coastal settlement interspersed with a large backwater system and fringed on the eastern side by laterite-capped low hills from which a number of streams drain into the backwater system. The ridge line of the eastern low hills provides a welldefined watershed delimiting Cochin basin which help to confine the environmental parameters within a physical limit. This leads to an obvious conclusion that if physiography alone is considered, the western flatland is ideal for urban development. However it will result in serious environmental deterioration, as it comprises mainly of wetland and for availability of land there has to be large scale filling up of these wetlands which includes shallow mangrove-fringed water sheets, paddy fields, Pokkali fields, estuary etc.Chapter 1 School 4 of Environmental Studies The urban boundaries of Cochin are expanding fast with a consequent over-stretching of the existing fabric of basic amenities and services. Urbanisation leads to the transformation of agricultural land into built-up areas with the concomitant problems regarding water supply, drainage, garbage and sewage disposal etc. Many of the environmental problems of Cochin are hydrologic in origin; like water-logging / floods, sedimentation and pollution in the water bodies as well as shoreline erosion

“Urban Water Supply Management: A Study Of Centralised And Community Based Systems In Calicut City

Studies in urban water supply system are few in the state of Kerala. It is a little researched area. In the case of water pricing a number of studies are available. In Kerala state, exception to Jacob John’s study on “Economics of Public Water Supply System”, which is a case study of Trivandrum Water Supply System in 1997, no exhaustive research work has so far come out in this field. loreover no indepth research study has come up, so far, relating to household ater demand analysis and the distribution system of urban piped water supply. he proposed study is first of its kind, which focuses on the distributional and Iailability problems of piped water supply in an urban centre in Kerala state. Hence there is a felt need for enquiring into the sufficiency of )table water supplied to people in urban areas and the efficiency maintained in roviding the scarce resource and preventing its misuse by the consumers. It is in llS backdrop that this study was undertaken and its empirical part was conducted |Calicut city in the state of Kerala. Study is confined to the water supply system ithe city of Calicut