Determinants of Consumer Purchase Decisions of Health Insurance in Kerala

This research work was to study the level of awareness of consumers about health insurance concept and market, consumer perceptions about health insurance providers, schemes and various factors that influence buying decision of health insurance. There is need to bring entire age group – high risk and low risk under health insurance cover. Widening the cover of health insurance calls for indepth understanding of consumer thinking and extensive marketing efforts based on that. Hence the study of consumer perceptions and the impact of different contributing factors on consumer purchase decision assume significance to the marketer. Understanding the consumer thinking on health insurance will also be of relevance to governmental/non governmental agencies, as affordable health care to all is a policy objective of the government and new schemes are being launched in this area.

‘Driving Forces of Investment Decisions in Mutual Funds’

Unfortunately, in India it is a fact that most of the investors are not interested in mutual funds. Those who are investing, they are investing only very small amounts. But what is important to be noted here is that when compared to other financial instruments, investments in mutual funds are safer and also yields more returns on the investment portfolio. Moreover as an investment avenue mutual fund is available for those investors who are not willing to take any exposure directly in the security market. It also helps such investors to build their wealth over a period of time. At the retail level, investors are unique and are highly heterogeneous, and the mutual fund schemes' selection will also differ depends on their expectations. Hence, investors’ expectation is a very important factor in this regard that needs to be analysed by all the investment houses. Hence, the factors that drive the investment decisions of individual investors to meet their expectations by investing money in mutual funds need an in-depth analysis. These driving forces include the preference of investors on mutual fund compared to various available avenues of financial investments, risk attitude of investors, influence of characteristics of instruments of mutual funds on investors, the investment specific attitudes of investors, and influence of qualities of fund management on investors. The success of any mutual fund, a popular means of investment, depends on how effectively an Asset Management Company has been able to understand the level of influence of these factors on the decision of investors to invest in mutual funds. For a substantial growth in the mutual fund market, there must be a high level precision in the design and marketing of the products of mutual funds taking into account these driving forces by the Asset Management Companies. Therefore, there is a need to conduct a detailed study on investments in mutual funds in this direction. A review of available literature also revealed that no detailed study on mutual funds has so far been attempted in this direction; hence the present study on Driving Forces of Investment Decisions in Mutual Funds is undertaken.

Web Presence Of The Engineering College Libraries In Kerala: An Analysis Of Content

Websites of academic institutions are the prime source of information about the institution. Libraries, being the main provider of information for the academics, need to be represented in the respective homepages with due importance. Keeping this in mind, this study is an attempt to understand and analyze the presence and presentation of libraries of Engineering Colleges (EC) in Kerala in their respective websites. On the basis of the reviewed literature and an observation of libraries of nationally important institutions imparting technical education in India, a set of criteria were developed for analyzing the websites/web pages. Based on this an extensive survcy of the websites of ECs were done. The collected data was then analyzed using Microsoft Excel. The library websites were then ranked on the basis of this analysis. It was observed that majority of the websites of ECs in Kerala have least representation of their respective libraries. Another important observation is that even the highest scoring libraries satisfy only half of the criteria listed for analysis.

E-Resources in the Engineering College Libraries of Kerala: Problems towards Sustainable Collection Development

Electronic resources have become a vital part of an academic library especially in universities and higher education institutions. The availability of electronic resources and the acceptance of the fonnat among the academics are rising day by day. As far as engineering students are concerned, they are much techno-savy and are more used to electronic resources. So it has become necessary for the libraries of engineering institutions to subscribe and provide access to electronic resources to satisfy its user community. Many studies have identified that academics are much preferring online journals and databases than their print counter-parts

Polymer-Plastics Technology and Engineering

Fine (approximately 18 nm) particles of nickel ferrite were synthesized by the sol-gel technique, and their structural properties were evaluated by X-ray diffraction. Neoprene-based rubber ferrite composites were prepared by incorporating these nickel ferrite powders in the rubber matrix according to a specific recipe. The cure characteristics were analyzed, and the samples were molded into particular shapes whose properties were determined according to ASTM standards. Magnetization studies were carried out using a Vibrating Sample Magnetometer. This study indicates that neoprene rubber-based flexible magnets with desired magnetic properties and appropriate mechanical properties can be prepared by incorporating an adequate amount of nanoscale nickel ferrite particles within the rubber matrix

Integrating TPM and QFD for improving quality in maintenance engineering

To provide maintenance engineering community with a model named “Maintenance quality function deployment” (MQFD) for nourishing the synergy of quality function deployment (QFD) and total productive maintenance (TPM) and enhancing maintenance quality of products and equipment.The principles of QFD and TPM were studied. MQFD model was designed by coupling these two principles. The practical implementation feasibility of MQFD model was checked in an automobile service station.Both QFD and TPM are popular approaches and several benefits of implementing them have been reported worldwide. Yet the world has not nourished the synergic power of integrating them. The MQFD implementation study reported in this paper has revealed its practical validity

Re-Engineering Towed Arrays for Quality Enhancement - Network Based Towed Array

The Towed Array electronics is a multi-channel simultaneous real time high speed data acquisition system. Since its assembly is highly manpower intensive, the costs of arrays are prohibitive and therefore any attempt to reduce the manufacturing, assembly, testing and maintenance costs is a welcome proposition. The Network Based Towed Array is an innovative concept and its implementation has remarkably simplified the fabrication, assembly and testing and revolutionised the Towed Array scenario. The focus of this paper is to give a good insight into the Reliability aspects of Network Based Towed Array. A case study of the comparison between the conventional array and the network based towed array is also dealt with

Gender Bias and Caste Exclusion in Engineering Admission: Inferences from the Engineering Entrance Examination in Kerala

The major problem of the engineering entrance examination is the exclusion of certain sections of the society in social, economic, regional and gender dimensions. This has seldom been taken for analysis towards policy correction. To lessen this problem a minor policy shift was prepared in the year 2011 with a 50–50 proportion in academic marks and entrance marks. The impact of this change is yet to be scrutinized. The data for the study is obtained from the Nodal Centre of Kerala functioning at Cochin University of Science and Technology under the National Technical Manpower Information System and also estimated from the Centralized Allotment Process. The article focuses on two aspects of exclusion based on engineering entrance examination; gender centred as well as caste-linked. Rank order spectral density and Lorenz ratio are used to cognize the exclusion and inequality in community and gender levels in various performance scales. The article unfolds the fact that social status in society coupled with economic affordability to quality education seems to have significant influence in the performance of students in the Kerala engineering entrance examinations. But it also shows that there is wide gender disparity with respect to performance in the high ranking levels irrespective of social groups

Resource Sharing Among Engineering College Libraries Affiliated To Mahatma Gandhi University, Kerala: A Proposed Model

There are around 150 engineering colleges (ECs) in Kerala under the government, aided and self financing (S.F.) sectors. While the college libraries in the government and aided sectors receive several grants, the libraries of S.F. colleges are solely run by their own funds. The rising costs of scholarly publications and strict AICTE stipulations regarding libraries and their collection, pose great difficulties to the libraries in all sectors in finding adequate budgets to provide quality services. Library cooperation/resource sharing helps to overcome this problem to a considerable extent. The present study analysed the facilities and services of the ECs affiliated to M.G.University, Kerala to identify whether there is a need for resource sharing (RS) among these libraries. The satisfaction of the users with their library resources and services were also ascertained. The study put forward a model for RS and the opinion of the librarians and users regarding the same were collected. Structured questionnaires were used to collect the required data. The study revealed that a wide gap exist between the libraries with respect to their facilities and services and many of the S.F. libraries have better infrastructure when compared to the government and aided college libraries. Majority of the respondents opined that RS is necessary to satisfy their information needs. The model of RS proposed by the study was widely accepted by the librarians and users. Based on the opinions and suggestions of the respondents, the study developed the potential model for resource sharing- the Virtual Resource Sharing Centre (VRSC).

Low-Cost Micromechanically Tunable Optical Devices: Strained Resonator Engineering, Technological Implementation and Characterization

The rapid growth of the optical communication branches and the enormous demand for more bandwidth require novel networks such as dense wavelength division multiplexing (DWDM). These networks enable higher bitrate transmission using the existing optical fibers. Micromechanically tunable optical microcavity devices like VCSELs, Fabry-Pérot filters and photodetectors are core components of these novel DWDM systems. Several air-gap based tunable devices were successfully implemented in the last years. Even though these concepts are very promising, two main disadvantages are still remaining. On the one hand, the high fabrication and integration cost and on the other hand the undesired adverse buckling of the suspended membranes. This thesis addresses these two problems and consists of two main parts: • PECVD dielectric material investigation and stress control resulting in membranes shape engineering. • Implementation and characterization of novel tunable optical devices with tailored shapes of the suspended membranes. For this purposes, low-cost PECVD technology is investigated and developed in detail. The macro- and microstress of silicon nitride and silicon dioxide are controlled over a wide range. Furthermore, the effect of stress on the optical and mechanical properties of the suspended membranes and on the microcavities is evaluated. Various membrane shapes (concave, convex and planar) with several radii of curvature are fabricated. Using this resonator shape engineering, microcavity devices such as non tunable and tunable Fabry-Pérot filters, VCSELs and PIN photodetectors are succesfully implemented. The fabricated Fabry-Pérot filters cover a spectral range of over 200nm and show resonance linewidths down to 1.5nm. By varying the stress distribution across the vertical direction within a DBR, the shape and the radius of curvature of the top membrane are explicitely tailored. By adjusting the incoming light beam waist to the curvature, the fundamental resonant mode is supported and the higher order ones are suppressed. For instance, a tunable VCSEL with 26 nm tuning range, 400µW maximal output power, 47nm free spectral range and over 57dB side mode suppresion ratio (SMSR) is demonstrated. Other technologies, such as introducing light emitting organic materials in microcavities are also investigated.

Szenarien zur zukünftigen Stromversorgung, kostenoptimierte Variationen zur Versorgung Europas und seiner Nachbarn mit Strom aus erneuerbaren Energien

Sowohl die Ressourcenproblematik als auch die drohenden Ausmaße der Klimaänderung lassen einen Umstieg auf andere Energiequellen langfristig unausweichlich erscheinen und mittelfristig als dringend geboten. Unabhängig von der Frage, auf welchem Niveau sich der Energiebedarf stabilisieren lässt, bleibt dabei zu klären, welche Möglichkeiten sich aus technischer und wirtschaftlicher Sicht in Zukunft zur Deckung unseres Energiebedarfs anbieten. Eine aussichtsreiche Option besteht in der Nutzung regenerativer Energien in ihrer ganzen Vielfalt. Die Arbeit "Szenarien zur zukünftigen Stromversorgung, kostenoptimierte Variationen zur Versorgung Europas und seiner Nachbarn mit Strom aus erneuerbaren Energien" konzentriert sich mit der Stromversorgung auf einen Teilaspekt der Energieversorgung, der zunehmend an Wichtigkeit gewinnt und als ein Schlüssel zur nachhaltigen Energieversorgung interpretiert werden kann. Die Stromversorgung ist heute weltweit für etwa die Hälfte des anthropogenen CO2-Ausstoßes verantwortlich. In dieser Arbeit wurden anhand verschiedener Szenarien Möglichkeiten einer weitgehend CO2–neutralen Stromversorgung für Europa und seine nähere Umgebung untersucht, wobei das Szenariogebiet etwa 1,1 Mrd. Einwohner und einen Stromverbrauch von knapp 4000 TWh/a umfasst. Dabei wurde untersucht, wie die Stromversorgung aufgebaut sein sollte, damit sie möglichst kostengünstig verwirklicht werden kann. Diese Frage wurde beispielsweise für Szenarien untersucht, in denen ausschließlich heute marktverfügbare Techniken berücksichtigt wurden. Auch der Einfluss der Nutzung einiger neuer Technologien, die bisher noch in Entwicklung sind, auf die optimale Gestaltung der Stromversorgung, wurde anhand einiger Beispiele untersucht. Die Konzeption der zukünftigen Stromversorgung sollte dabei nach Möglichkeit objektiven Kriterien gehorchen, die auch die Vergleichbarkeit verschiedener Versorgungsansätze gewährleisten. Dafür wurde ein Optimierungsansatz gewählt, mit dessen Hilfe sowohl bei der Konfiguration als auch beim rechnerischen Betrieb des Stromversorgungssystems weitgehend auf subjektive Entscheidungsprozesse verzichtet werden kann. Die Optimierung hatte zum Ziel, für die definierte möglichst realitätsnahe Versorgungsaufgabe den idealen Kraftwerks- und Leitungspark zu bestimmen, der eine kostenoptimale Stromversorgung gewährleistet. Als Erzeugungsoptionen werden dabei u.a. die Nutzung Regenerativer Energien durch Wasserkraftwerke, Windenergiekonverter, Fallwindkraftwerke, Biomassekraftwerke sowie solare und geothermische Kraftwerke berücksichtigt. Abhängig von den gewählten Randbedingungen ergaben sich dabei unterschiedliche Szenarien. Das Ziel der Arbeit war, mit Hilfe unterschiedlicher Szenarien eine breite Basis als Entscheidungsgrundlage für zukünftige politische Weichenstellungen zu schaffen. Die Szenarien zeigen Optionen für eine zukünftige Gestaltung der Stromversorgung auf, machen Auswirkungen verschiedener – auch politischer – Rahmenbedingungen deutlich und stellen so die geforderte Entscheidungsgrundlage bereit. Als Grundlage für die Erstellung der Szenarien mussten die verschiedenen Potentiale erneuerbarer Energien in hoher zeitlicher und räumlicher Auflösung ermittelt werden, mit denen es erstmals möglich war, die Fragen einer großräumigen regenerativen Stromversorgung ohne ungesicherte Annahmen anhand einer verlässlichen Datengrundlage anzugehen. Auch die Charakteristika der verschiedensten Energiewandlungs- und Transportsysteme mussten studiert werden und sind wie deren Kosten und die verschiedenen Potentiale in der vorliegenden Arbeit ausführlich diskutiert. Als Ausgangsszenario und Bezugspunkt dient ein konservatives Grundszenario. Hierbei handelt es sich um ein Szenario für eine Stromversorgung unter ausschließlicher Nutzung erneuerbarer Energien, die wiederum ausschließlich auf heute bereits entwickelte Technologien zurückgreift und dabei für alle Komponenten die heutigen Kosten zugrundelegt. Dieses Grundszenario ist dementsprechend auch als eine Art konservative Worst-Case-Abschätzung für unsere Zukunftsoptionen bei der regenerativen Stromversorgung zu verstehen. Als Ergebnis der Optimierung basiert die Stromversorgung beim Grundszenario zum größten Teil auf der Stromproduktion aus Windkraft. Biomasse und schon heute bestehende Wasserkraft übernehmen den überwiegenden Teil der Backup-Aufgaben innerhalb des – mit leistungsstarker HGÜ (Hochspannungs–Gleichstrom–Übertragung) verknüpften – Stromversorgungsgebiets. Die Stromgestehungskosten liegen mit 4,65 €ct / kWh sehr nahe am heute Üblichen. Sie liegen niedriger als die heutigen Preisen an der Strombörse. In allen Szenarien – außer relativ teuren, restriktiv ”dezentralen” unter Ausschluss großräumig länderübergreifenden Stromtransports – spielt der Stromtransport eine wichtige Rolle. Er wird genutzt, um Ausgleichseffekte bei der dargebotsabhängigen Stromproduktion aus erneuerbaren Quellen zu realisieren, gute kostengünstige Potentiale nutzbar zu machen und um die Speicherwasserkraft sowie die dezentral genutzte Biomasse mit ihrer Speicherfähigkeit für großräumige Backup-Aufgaben zu erschließen. Damit erweist sich der Stromtransport als einer der Schlüssel zu einer kostengünstigen Stromversorgung. Dies wiederum kann als Handlungsempfehlung bei politischen Weichenstellungen interpretiert werden, die demnach gezielt auf internationale Kooperation im Bereich der Nutzung erneuerbarer Energien setzen und insbesondere den großräumigen Stromtransport mit einbeziehen sollten. Die Szenarien stellen detaillierte und verlässliche Grundlagen für wichtige politische und technologische Zukunftsentscheidungen zur Verfügung. Sie zeigen, dass bei internationaler Kooperation selbst bei konservativen Annahmen eine rein regenerative Stromversorgung möglich ist, die wirtschaftlich ohne Probleme zu realisieren wäre und verweisen den Handlungsbedarf in den Bereich der Politik. Eine wesentliche Aufgabe der Politik läge darin, die internationale Kooperation zu organisieren und Instrumente für eine Umgestaltung der Stromversorgung zu entwickeln. Dabei kann davon ausgegangen werden, dass nicht nur ein sinnvoller Weg zu einer CO2–neutralen Stromversorgung beschritten würde, sondern sich darüber hinaus ausgezeichnete Entwicklungsperspektiven für die ärmeren Nachbarstaaten der EU und Europas eröffnen.

Offline Emergence Engineering For Agent Societies

Many examples for emergent behaviors may be observed in self-organizing physical and biological systems which prove to be robust, stable, and adaptable. Such behaviors are often based on very simple mechanisms and rules, but artificially creating them is a challenging task which does not comply with traditional software engineering. In this article, we propose a hybrid approach by combining strategies from Genetic Programming and agent software engineering, and demonstrate that this approach effectively yields an emergent design for given problems.

Applicability of Emergence Engineering to Distributed Systems Scenarios

Genetic Programming can be effectively used to create emergent behavior for a group of autonomous agents. In the process we call Offline Emergence Engineering, the behavior is at first bred in a Genetic Programming environment and then deployed to the agents in the real environment. In this article we shortly describe our approach, introduce an extended behavioral rule syntax, and discuss the impact of the expressiveness of the behavioral description to the generation success, using two scenarios in comparison: the election problem and the distributed critical section problem. We evaluate the results, formulating criteria for the applicability of our approach.