Drought Climatology of Indo-Gangetic Region of India Using Remote Sensing and Crop Growth Simulation Models

Department of Atmospheric Sciences, Cochin University of Science and Technology

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

Rainfall Climatology over Middle East Region and its Variability

A better understanding of the rainfall climatology of the Middle East region identifying the mechanisms responsible for the rain producing systems is essential for effective utilization of the water resources over the arid region. A comprehensive analysis on the rainfall climatology of the Middle East region is carried out to bring out the spatial and temporal variation of rainfall and mechanisms responsible for the rain events. The study was carried out utilizing rainfall, OLR, wind and humidity data sets procured from TRMM, NOAA and NCEP-NCAR. Climatology of annual rainfall brings out two areas of alarmingly low rainfall in the Middle East region: one in Egypt, Jordan and adjoining areas and the other in the southern part of Saudi Arabia. Daily rainfall analysis indicates that northern region gets rainfall mainly during winter and spring associated with the passage of Mediterranean low pressure systems whereas rain over the southern region is caused mainly by the monsoon organized convection, cross equatorial flow and remnants of low pressure systems associated with the monsoon during the summer season. Thermodynamic structure of the atmosphere reveals that the region does not have frequent local convection due to insufficient moisture content. The sinking motion associated with the sub tropic high pressure system and subsidence associated with the Walker circulation are responsible for maintaining warm and dry air over the region.

“Urban Water Supply Management: A Study Of Centralised And Community Based Systems In Calicut City

Studies in urban water supply system are few in the state of Kerala. It is a little researched area. In the case of water pricing a number of studies are available. In Kerala state, exception to Jacob John’s study on “Economics of Public Water Supply System”, which is a case study of Trivandrum Water Supply System in 1997, no exhaustive research work has so far come out in this field. loreover no indepth research study has come up, so far, relating to household ater demand analysis and the distribution system of urban piped water supply. he proposed study is first of its kind, which focuses on the distributional and Iailability problems of piped water supply in an urban centre in Kerala state. Hence there is a felt need for enquiring into the sufficiency of )table water supplied to people in urban areas and the efficiency maintained in roviding the scarce resource and preventing its misuse by the consumers. It is in llS backdrop that this study was undertaken and its empirical part was conducted |Calicut city in the state of Kerala. Study is confined to the water supply system ithe city of Calicut