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.

Women and political change in kerala since independence

even after 45 years of independence, it is seen that women are still left cum the periphery cnf the political process. Effective and meaningful participation of women in politics remains elusive for most of them. The representation of women in the state legislatures and in both Houses of Parliament has been very marginal. The percentage of women members in the LokSabha to the total membership of the body has never touched a two-digit figure so far. Within these 45 years, India could field only five women as Union Cabinet Ministers. In the case of the various states also, the position of women's participation in political activities is not very different. On the whole, it is seen that in independent India the role played by women in the electoral politics of the country or in the day to day activities of the different political parties is very" ineffective and insignificant. The present study was undertaken to make an assessment of women's involvement in the political process of Kerala since independence. This small state in the southernmost part of India claims ‘that it possesses certain. unique features in its social fabric that makes it different from the rest of the country as far as the place of women in society is concerned.

A STUDY ON POLITICAL CONSCIOUSNESS IN HINDI NOVELS SINCE 1960

HINDI

THE CHANGING CONCEPT OF POLITICAL VALUES IN THE HINDI NOVELS OF POST-SIXTIES

Hindi