A Study of Credit Guarantee Fund Trust for Micro and Small Enterprises with particular reference to Bank of Baroda in state of Kerala

While the quantum of advances from the public sector banks (PSBs) to the MSEs has increased over the years in absolute terms, from Rs.46, 045 crore in March 2000 to Rs.1, 85,208 crore in March 2009, the share of the 7credit to the MSE sector in the Net Bank Credit (NBC) has declined from 12.5 per cent to 10.9 per cent. Similarly, there has been a decline in the share of micro sector as a percentage of Net Bank Credit (NBC) from 7.8 per cent in March 2000 to 4.9% in March 2009. (TKA.Nair, 2010)9.The major reasons for low availability of bank finance to this sector are high risk perception of the banks in lending to MSEs and high transaction costs in processing of loan applications of MSEs. The problem is more serious for micro enterprises requiring small loans and the first generation entrepreneursThe thesis studies the divergence in guidelines by, CGTMSE, RBI & Bank of Baroda on collateral free lending and analyses the awareness of MSE about CGTMSE lending. The researcher tries to assess the problems faced by borrowers in availing advance under CGTMSE from Bank of Baroda, Kerala.

Sedimentological and Geotechnical Studies of Coastal Sediments of Central Kerala.

All over the world, several Quaternary proxy data have been used to reconstruct past sea levels, mainly radiocarbon or OSL dating of exposures of marine facies or shore line indicators (e.g. Carr et al., 2010) as well as paleoenvironmental indicators in lagoon or estuary sediments (e.g. Baxter and Meadows, 1999). Estuaries and deltas develop at river mouths during transgressive and regressive phases, respectively (Boyd et al., 1992). In particular, the postglacial Holocene sea-level rise has contributed importantly to the estuary-to-delta transition (Hori et al. 2004). By analyzing radiocarbon ages of the basal or near-basal sediments of the world’s deltas, Stanley and Warne (1994) showed that delta initiation occurred on a worldwide scale after about 8500–6500 years BP and concluded that the initiation was controlled principally by the declining rate of the Holocene sea-level rise. Worldwide there were different regional sea-level changes since the last glacial maximum (LGM) (Irion et al., 2012). Along the northern Canadian coast, for example, sea level has been falling throughout the Holocene due to the glacial rebound of the crust after the last glaciation (Peltier, 1988). This is comparable to the development in Scandinavia (Steffen and Kaufmann, 2005) where sea level drops today. From about Virginia/USA to Mexico there is a constant sea-level rise similar to the Holocene sea-level development of the southern North Sea (e.g. Vink et al., 2007). From the border of Ceará/Rio Grande do Norte down to Patagonia, indicators of Holocene sea level point to a level that was up to 5 m higher than today's mean sea level (Angulo et al., 1999; Martin et al., 2003; Caldas et al., 2006a, b)