IA Critical Study of the Impact of Institutional Finance on Agriculture in Selected Villages of Ernakulam Revenue District

Vast changes have taken place in the field of institutional rural credit in India since the nationalisation of nineteen commercial banks in 1969. The supply of institutional finance to cultivators amounted to 63.2 percent of the total credit in 1981 compared to 31.2 percent in 1971. Insti tutionalisation of agricultural credit envisaged two objectives in general. One was to emancipate cultivators and farmers from the clutches of indigenous financiers and money lenders. The second was to make farmers financially capable of adopting the new technology or improved practices in agriculture so as to increase their agricultural production and thereby contributing to the development of agriculture in India. Though vast literature on Institutional Credi t and agriculture is available, no indepth and serious work examining thoroughly the cause of credit diversion has been undertaken so far. The present study is an attempt to fill up this gap. The study will be helpful to lending insti tutions, viz. Co-ope:r-atives, Commercial banks and various other insti tutional agencies in connection with their lending activity_ Also, the study will help government in .formulating proper policies that will insure a preferential treatment in favour of the most needy category of farmers and cultivators with respect to agricultural credit disbursement

“Hydro Geochemical Quality Assessment of Groundwater – A General Perspective”

People in several parts of the world as well in India countenance an immense confront to meet the basic needs of water. The crisis is not due to lack of fresh water but its availability in adequate superiority. Environmental quality objectives should be developed in order to define acceptable loads on the terrain. There has been a number of initiatives in water quality monitoring but the next step towards improving its quality hasn’t taken the required pace. Today, there is a growing need to create awareness among citizens on the different technologies available for improving the water quality. Monitoring facilitate to apprehend how land and water use distress the quality of water and assist in estimating the extent of pollution. Once these issues are recognized, people can work towards local solutions to manage the indispensable resource effectively. Ground waters are extremely precious resources and in many countries together with India they represent the most important drinking water supply. They are generally microbiologically pure and, in most cases, they do not need any treatment. This communiqué is intended to act as a channel on the various paraphernalia and techniques accessible for groundwater quality assessment and suggesting the assured precautionary measures to embark on environment management. This learning is imperative considering that groundwater as the exclusive source of drinking water in the region which not makes situation alarming but also calls for immediate attention. The scope of this work is somewhat vast. Water quality in Ernakulam district is getting deteriorated due to the fast growth of urbanization. The closure of several water bodies due to land development and construction prevents infiltration of rainwater into the ground and hence recharge the aquifers. Most of the aquifers are getting polluted from the industrial effluents and chemicals and fertilizers used in agriculture. Such serious issues require proper monitoring of groundwater and steps are to be taken for remedial measures. This study helps in the total protection of the rich resource of groundwater and its sustainability. Socio-economic aspect covered could be used for conducting further individual case studies and to suggest remedial measures on a scientific basis. The specific study taken up for 15 sites can be further extended to the sources of pollution, especially industrial and agriculture