"A Study Of The Performance Of The "Jeevan Saathi" And "Jeevan Mitra” Policies Offered By The L.I.C."

The main benefit of Jeevan Saathi policy is that, it is a joint life policy which covers the life of both husband and wife under a single policy. And they also get double benefit if any one of them dies during the term of the policy. The Jeevan Mitra policy is a single life policy, the main advantage of which is that the dependents get double benefit in case of normal death and triple benefit in case of accidental death during the term of policy. so both the policies have their own attractions but when compared with the annual sales of other policies, the additional increase in the sales of these policies are decreasing. It is a fact finding study concerned with market performance of these two policies by conducting a survey among the Jeevan Saathi and Jeevan Mitra policy holders, and a thorough analysis of the various information or data collected from them. This study is an attempt to present an integrated picture of the main features of the policy holders who have bought these policies, the major factors responsible for making them purchase these policies, the various difficulties faced by them at present and further modification needed in the plans of these policies according to the opinion of policy holders. For increasing accuracy of the conclusions, information is also collected from Agents and Development Officers by using interview schedule. The main purpose of this study is to draw attention of LIC to introduce new plans of policies taking into consideration the drawbacks or defects of the existing policies and present needs of policy holders. It will also help to make new plans in order to suit the needs of more people who want to buy life insurance policies

A Study of the impact of ISO 9001:2000 on Quality Management Practices in Selected Organisations in Kerala

The research work which was carried out to study the impact of ISO 9001: 2000, in selected organisations in Kerala, spread over various types of activities, such as fabrication of aero space hardware, glass ware, construction industries, health care units etc, encompassing, government and private enterprises, public sector undertakings, small and medium scale industries and research and development establishments. The ambience, work culture and collaboration prevalent in these organisations were varying on account of the environment in which they have been working. Fifty percent of the organizations selected for the study had obtained the ISO 900 I: 2000-certification since seven years or more. The process of study undertaken could invoke interest in the respondents, when a brief explanation on the purpose and need of the study was given to them prior to conducting the survey. There has been total cooperation from the management and the employees of all the organisations for the conduct of the study. Personal discussions were held with the senior management to draw their total support and involvement for the study.

Development Planning at the State Level in India - A Case Study with Reference to Kerala, 1957-'84

This thesis entitled “Development planning at the state level in india a case study with reference to kerala1957-84.Planning in India is a concurrent subject with the Centre and the States having well-defined domains of jurisdiction with regard to planning functions and sources of resource mobilisation.The genesis of the lack of academic interest in state level planning is in the widely held belief that in the extent scheme of Centre-State economic relations, the states have little scope for initiative in planning.Both at the theoretical and empirical levels, Kerala has attached very great importance to planning.It has been the localeof wide and deep discussions on the various dimensions of planning.In Kerala's development process, the leading sector consists of social services such as education and public healthOne point that needs special emphasis in this regard is that the high demand for education in Kerala cannot be attributed to the Keralites' ‘unique urge‘ for education. Rather, it is related to the very high level of unemployment in the state (Kerala has the highest level of unemployment in the country.In resource allocation under the Five Year Plans, Kerala attached the highest weightage to power generation, hydro-electric projects being the major source of power in the state. Nearly one-fourth of the plan resources has been claimed by hydro-electric projects.In the agricultural sector, Kera1a's level of productive use of electric power is one of the lowest.As is evident.from above, planning in Kerala has not enabled us to solve the basic problems of the state. More 'scientific' planning in the sense of applying mre sophisticated planning techniques is obviously not the answer. It, on the contrary, consists of more fundamental changes some of which can be brought about through an effective use of measures well within the power of the State Government.

lntemet utilization and academic activities of faculty members in the universities of Kerala : an analytical study

This thesis Entitled Internet Utilization and Academic Activities of Faculty Members in the Universities of kerala: an analytical study. Today, scientific research is throwing up new discoveries, inventions and vistas by the hour. We are witnessing a veritable knowledge explosion. It is important for members of university faculty members to keep abreast of it for giving up-t-date information to their students about the new development in the subject of their study. The internet is an invaluable tool for achieving it. Most of the universities have sufficient internet facility, but the accessibility to all the faculty members is not adequate. University Libraries also provides standard supplementary service in the internet area. This study indicates differential level of awareness and utilization of the internet services by the faculty members in the areas of teaching, research and publication. However the overall impression is that the awareness and utilization is inadequate. This point to the urgent need to devise programs and schemes to promote internet utilization among the faculty members. The suggestions indicate the key areas that deserve attention by policy makers and administrators. Thanks to the internet, every new development in every field of study is just a click away for faculty members, research scholars and students.

A study of the co-operative banking system in kerala

The co-operative credit structure in a state set up consists of 3 tiers — Primary Societies at the base, District Co-operative Banks at the middle and State Cooperative Bank at the top. But, some societies at the primary level are governed by, in addition to Co-operative Societies Act, the Banking Regulation Act. Thus they are under dual control. In addition, they are working under the direct purview of Reserve Bank of India. The scope of this study is restricted to such Primary Societies, District Co-operative Banks and State Co-operative Bank. For the evaluation of the working of Co-operative Banks, the board of directors and staff were interviewed with the help of pre-constructed and pre-tested interview schedules. However, the share holders and customers were not interviewed mainly because almost all respondents were reluctant to provide copies of an exhaustive list of share holders and non-share holder customers, for the purpose of maintaining secrecy. This being an individual work, it was found physically and financially very difficult to extend the study so as to cover the share holders and non-share holder customers. Limitations of time were also responsible for restricting this study. The period of study was restricted to 1980-'81 to 1983-'84 as the data relating to earlier periods were firstly not available from all banks and secondly the prior data was considered out of date for the purpose of the study.

Intervariability of Phosphorus Speciation in Selected Mangrove Ecosystems Around the Greater Cochin

Mangrove forests are best developed on tropical shorelines where there is an extensive intertidal zone, with an abundant supply of fine-grained sediment. It receives a mixture of liable and refractory organic and inorganic phosphorus compounds from the overlying water and the surrounding landmasses. Organic phosphorus is not available for mangrove plant nutrition. While inorganic phosphate represents the largest potential pool of plant-available and which are bound in the form of Ca, Fe and Al phosphate. It deals with the scientific investigations on mangrove systems in the Kerala coastline and to investigate nutrient distribution of mangrove ecosystems of greater Cochin area. It discusses the description of study areas such as Murikkumpadam-Vypeen Island and Aroor. Then it deals with the spatial and seasonal distribution of dissolved ammonia, nitrite, nitrate, inorganic phosphate, organic phosphate and the total phosphorus in surface waters of mangrove fringed creeks. Then it discusses the geochemical compositions of mangrove-fringed sediments and also the chemical speciation of phosphorus in sediment cores.

Fabrication and characterisation of polymer optical fibers for smart sensing and optical amplification

The thesis presented the fabrication and characterisation of polymer optical fibers in their applications as optical amplifier and smart sensors.Optical polymers such as PMMA are found to be a very good host material due to their ability to incorporate very high concentration of optical gain media like fluorescent dyes and rare earth compounds. High power and high gain optical amplification in organic dye-doped polymer optical fibers is possible due to extremely large emission cross sections of oyes. Dye doped (Rhodamine 6G) optical fibers were fabricated by using indigenously developed polymer optical fiber drawing tower. Loss characterization of drawn dye doped fibers was carried out using side illumination technique. The advantage of the above technique is that it is a nondestructive method and can also be used for studying the uniformity in fiber diameter and doping. Sensitivity of the undoped polymer fibers to temperature and microbending were also studied in its application in smart sensors.Optical amplification studies using the dye doped polymer optical fibers were carried out and found that an amplification of l8dB could be achieved using a very short fiber of length lOcm. Studies were carried out in fibers with different dye concentrations and diameter and it was observed that gain stability was achieved at relatively high dye concentrations irrespective of the fiber diameter.Due to their large diameter, large numerical aperture, flexibility and geometrical versatility of polymer optical fibers it has a wide range of applications in the field of optical sensing. Just as in the case of conventional silica based fiber optic sensors, sensing techniques like evanescent wave, grating and other intensity modulation schemes can also be efficiently utilized in the case of POF based sensors. Since polymer optical fibers have very low Young's modulus when compared to glass fibers, it can be utilized for sensing mechanical stress and strain efficiently in comparison with its counterpart. Fiber optic sensors have proved themselves as efficient and reliable devices to sense various parameters like aging, crack formation, weathering in civil structures. A similar type of study was carried out to find the setting characteristics of cement paste used for constructing civil structures. It was found that the measurements made by using fiber optic sensors are far more superior than that carried out by conventional methods. More over,POF based sensors were found to have more sensitivity as well.

Isolation, purification and characterization of Protease Inhibitor from Moringa oleifera Lam.

Protease inhibitors are one of the most important tools of nature for regulating the proteolytic activity of their target proteases. They are synthesized in biological systems and they play a critical role in controlling a number of diverse physiological functions. The current investigation focused on the isolation, purification and characterization of a novel protease inhibitor from Moringa oleifera. The results obtained during the course of study opens new perspectives for the utilization of protease inhibitor from Moringa oleifera for various pharmaceutical, agricultural and food industries. The biological and physicochemical properties exhibited by the novel protease inhibitor from Moringa oleifera clearly testify its suitability for the development as a drug for application in pharmaceutical industries such as anticoagulant agent or biocontrol agent in agriculture and even as a food preservant. There is a scope for further research on the structure elucidation and protein engineering towards a wide range of further applications. Detailed structure/function analysis of these proteins is important to facilitate their use in genetic engineering for various applications.

Seasonal ramification in the biochemical composition of organic matter in Chalakudy river-estuary

The present study which is the first of its kind in this region is an attempt to generate adequate information on the relative abundances, the seasonal and spatial variations as well as on the source and fate of organic compounds found associated with the dissolved, particulate and sedimentary compartments of Chalakudy river system. The study aimed at investigating variations, the relative proportion of dissolved, particulate and sedimentary fractions of these materials as well as the pollution extent so as to be able to comment on the present condition of this river-estuarine system. This thesis focuses attention on the role of biogeoorganics in modifying the ecological and environmental condition of the dissolved, particuIate and sediment compartments with their minute variability subjected to various physical, chemical and biogeochemical processes. A scheme of study encompassing all these objectives provides the frame work for the present investigation.

A Study On Vortex Knots

In this thesis an attempt is made to study vortex knots based on the work of Keener . It is seen that certain mistakes have been crept in to the details of this paper. We have chosen this study for an investigation as it is the first attempt to study vortex knots. Other works had given attention to this. In chapter 2 we have considered these corrections in detail. In chapter 3 we have tried a simple extension by introducing vorticity in the evolution of vortex knots. In chapter 4 we have introduced a stress tensor related to vorticity. Chapter 5 is the general conclusion.Knot theory is a branch of topology and has been developed as an independent branch of study. It has wide applications and vortex knot is one of them. As pointed out earlier, most of the studies in fluid dynamics exploits the analogy between vorticity and magnetic induction in the case of MHD. But vorticity is more general than magnetic induction and so it is essential to discuss the special properties of vortex knots, independent of MHD flows. This is what is being done in this thesis.

Response of Eastern Arabian Sea to Extreme climatic Events with Special Reference to Selected Pelagic Fishes

The thesis attempts to study the changes in oceanographic parameters associated with extreme climatic events,the influence of oceanographic as well as meteorological parameters on fishes.The characteristics of major pelagic fishes of southwest coast of India(Oil sardine and Indian mackerel) have been described here.A description on study area and period of study is also described .The impact of extreme climatic events on the oceanographic variability of Eastern Arabian Sea.The extreme climatic event,the Indian Ocean Dipole associated with EI Nino Southern Oscillation is taken into consideration.The variability in oil sardine and mackerel landings of southwest coast of India during the study period.The trend analysis of the landings has been done and also a prediction model is applied for the landings.The influence of environmental parameters on oil sardine as well as mackerel fishery has been explained .With regression analysis ,the significant relation between environmental parameters and fish landings are also been recognized.The prediction of landings is done with these environmental parameters.

Fish habitats and species assemblage in the selected rivers of Kerala and investigation on life history traits of Puntius carnaticus(Jerdon,1849)

This thesis entitled Fish habitats and species assemblage in the selected rivers of kerala and investigation on life history traits of puntius carnaticus (JERDON,1849). Ecology is a new and exceedingly complex field of study, even though its concept was recognized by the Apostles in their use of the phrase ‘all flesh is grass.central role to play both in order to understand better the biodiversity phenomenon and to be able to draw up clear guidelines for careful resource management. In a review by WWF, IUCN and UNEP on the ways of conserving genetic diversity of freshwater fish it was recommended that the best way to conserve species diversity is to conserve habitat.The habitat studies in freshwater ecosystems are very essential for the proper understanding and management of human impact on fish diversity, to study the relationship between habitat variables and fish species assemblage structure, quantification of ecosystem degradation, habitat quality and biotic integrity of the ecosystems, development of habitat suitability index (I-ISI) models and classification of river reaches based on their physico-chemical properties. Therefore in the present study an attempt was made to assess the biodiversity potential and the relationship between habitat variables and fish species assemblage structure in six major river systems of Kerala which would be very useful in impressing upon the seriousness of habitat degradIn the present study, in Kabbini river system 15 locations encompassing between 721 946m above MSL were surveyed.ation and biotic devastation undergone in the major river systems of Kerala.During the present study the Habitat Quality Score (HQ) developed by the Ohio EPA was applied for the first time in India.The result of the present study revealed that, among various variables analysed, altitude has a very significant influence in deciding the fish diversity in six major river systems of Kerala. The fish diversity studied on the basis of Shanon-Weiner and Simpson diversity indices revealed that even though some minor variations occur with the suitability and complexity of habitats, the altitude showed inverse relationship with fish diversity.The present study revealed that the National Policy on the interlinking of rivers would permanently alter the HSI indices of the above mentioned fish species, which are now solely protected by the individuality of the rivers where their limited occurrence was notice.

Post Environmental Evaluation of the Rajjaprabha Dam in Thailand

This thesis Entitled Post-Environmental Evaluation of The Rajjaprabha Dam In Thailand. This post evaluation of environmental consequences of Rajjaprabha dam IS conducted ten years after its commencement. The Rajjaprabha dam project was planned and implemented as a multipurpose project, mainly for hydropower production, flood protection, fisheries, recreation and irrigation. The project includes the dam and reservoir with a 240 MW hydropower plant located about 90 km upstream from Surat Thani province, and irrigation systems covering the coastal plain in Surat Thani. The upstream storage reservoir (with about 5,639 mcm storage) and the hydropower plant had already been implemented. The first phase of irrigation system covers an area of 23,100 hectares. The second phase is envisaged to cover about 50,000 hectares. This study was conducted with the following objectives: (I) to assess all existing environmental resources and their values with the help of input-output analysis (2) to findout the beneficial impacts of the project (3) to evaluate the actual positive effects vis-a-vis the estimated effects before the project was implemented and (4) to identify all significant changes in relatives to the impacts previously assessed. The study area includes the Phum Duang river basin of about 4,668 km2 (placed on the areas that are upstream and downstream to the damsite), The duration of study is limited to 10 years after the dam has become operational i.e. from 1987-1997. The results of the study reveal that there is no significant changes in climatic and ground water resources, with respect to the study area inspte of the fact that the physical and chemical properties of the soil have slightly changed. Sedimentation in the reservoir does not have much effect on the function of the dam.

Studies on the, Physical Aspects of the Mud Banks along the Kerala Coast

A detailed survey of the present knowledge on the physical aspects of the mud banks has been presented in chapter 1.The physical geographical and geological aspects of the kerala coast, the shore-line and the sea bed and the various views on the formation,movements and dissipation of the mud banks have been discussed.The scope of the present work and a description of the area of study have also been given in this chapter. The horizontal and vertical distribution and the seasonal variations of the concentration of suspended matter in the mud bank region are discussed in chapter 3.it is seen that the mud bank reses above the bottom in the form of a ridged ,irregular,solid come with a flat top. Chapter vi deals with waves and currents in the region of the mud bank. The orientation of the breakers on either side of the mud bank suggests the possibility of formation of opposing alongshore currents and convergence of energy caused by wave refraction.The distribution of currents during the formative nature and dissipating stages of the mud bank show that the converging alongshore currents give rise to offshore flows

Biodegradation of phenolic compounds in different ecosystems in Cochin

The purpose of this study is to determine the ability of specifically adapted bacteria to degrade phenol and to quantify the rate of biodegradation at. Different concentrations by mixed as well as individual isolates. Regular quantitative analysis of phenolics and aerobic phenololytic heterotrophs from five different ecosystems were done during 1990-1991, and the ability of microorganisms isolated from those areas, to utilize phenol, o-cresol and orcinol was also studied. In addition, data on environmental parameters like temperature, dissolved oxygen, salinity, pH, organic carbon and nutrients were also collected during the period of study The present study is one of its first kind in natural aquatic environment and has aimed to bring out some idea about the potential phenol biodegrades in such environments where the phenol concentration is beyond permitted level.