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

Diversification In Employment Structure And Status Of Rural Women Workers In Ernakulam District

The basic objective of the present study has been to observe the process and pattern of employment diversification among the rural women workers in Ernakulam district. The evidences are that the women workers in the rural areas of the state are being increasingly diversified into the tertiary sector. The clear cut evidence for the fact that in Kerala non-agricultural employment of rural women is increasing with more and more of them getting diversified into the tertiary sector. The women get more self esteem and recognition in terms of the work being done by them. In the urban areas of the state as a poverty eradicating measure the Kerala government has already introduced a new scheme under the banner of Kudumbasree. Another fact noticed in the study that the sectoral shift of women workers has posed a grave problem to the agricultural sector. The reluctance of workers to do manual jobs on land and the prevalence of high wages among the agricultural labours has left many a cultivable area fallow or has induced farmers to shift to less labour –intensive crops. The situation is expected to worsen in future as even the high wages fail to attract the young generation to this sector. To conclude the study has fulfilled all its objectives, viz; highlighting the rural employment structure in Kerala, examining the process, pattern, determinants and consequences of diversification among rural women workers in the sample villages. Being the first of its kind at the micro level in the state it contributes to the available literature in the area enriching the database that is crucially lacking for devising projects at the village and block-level. There exists ample scope for future research of similar nature in an urban background where the secondary data-sources are hinding towards a reversal of trends from non-agriculture to agriculture.

Environmental Resources Assessment of Cochin

In the case of urban centres of the developing countries, corrective measures for the environmental consequences of spontaneous or wrongly planned developments are often prohibitively costly. Hence environmentally planned development alone appears to be the solution for which, a compre-hensive assessment of all the resources is an essential pre—requisite. An under-standing of the prevailing environmental conditions is essential for the effective management and execution of programmes for sustainable development. The present work is a modest attempt at assessing the environmental resources of Cochin, the industrial and business capital of Kerala and a fast developing metropolis.

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