Financial Inclusion of Fisher Households in Coastal Kerala-Role of Micro Finance

Dept.of Applied Economics,Cochin University of Science and Technology

House Building and Personal Finance-A Study of Salaried Employees in Kerala

School of Management Studies,Cochin University of Science and Technology

Impacts of Climate variability on Agriculture in Kerala

The study revealed that southwest monsoon rainfall in Kerala has been declining while increasing in post monsoon season. The annual rainfall exhibits a cyclic trend of 40-60 years, with a significant decline in recent decades. The intensity of climatological droughts was increasing across the State of Kerala through it falls under heavy rainfall zone due to unimodal rainfall pattern. The moisture index across the State of Kerala was moving from B4 to B3 humid, indicating that the State was moving from wetness to dryness within the humid climate.The study confirms that a warming Kerala is real as maximum, minimum and mean temperatures and temperature ranges are increasing. The rate of increase in maximum temperature was high (1.46°C) across the high ranges, followed by the coastal belt (1.09°C) of Kerala while the rate of increase was relatively marginal (0.25°C) across the midlands. The rate of increase in temperature across the high ranges is probably high because of deforestation. It indicates that the highranges and coastal belts in Kerala are vulnerable to global warming and climate change when compared to midlands.Interestingly, the trend in annual rainfall is increasing at Pampadumpara (Idukki), while declining at Ambalavayal across the highranges. In the case of maximum temperature, it was showing increasing trend at Pampadumpara while declining trend at Ambalavayal. In the case of minimum temperature it is declining at Pampadumpara while increasing in Ambalavalal.The paddy productivity in Kerala during kharif / virippu is unlikely to decline due to increasing temperature on the basis of long term climate change, but likely to decline to a considerable extent due to prolonged monsoon season, followed by unusual summer rains as noticed in 2007-08 and 2010-11.All the plantation crops under study are vulnerable to climate variability such as floods and droughts rather than long term changes in temperature and rainfall.

Studies on rainfall variability and the influence of orography and land use on the climate of Peninsular India

The present study helped to understand the trend in rainfall patterns at smaller spatial scales and the large regional differences in the variability of rainfall. The effect of land use and orography on the diurnal variability is also understood. But a better understanding on the long term variation in rainfall is possible by using a longer dataset,which may provide insight into the rainfall variation over country during the past century. The basic mechanism behind the interannual rainfall variability would be possible with numerical studies using coupled Ocean-Atmosphere models. The regional difference in the active-break conditions points to the significance of regional studies than considering India as a single unit. The underlying dynamics of diurnal variability need to be studied by making use of a high resolution model as the present study could not simulate the local onshore circulation. Also the land use modification in this study, selected a region, which is surrounded by crop land. This implies the high possibility for the conversion of the remaining region to agricultural land. Therefore the study is useful than considering idealized conditions, but the adverse effect of irrigated crop is more than non-irrigated crop. Therefore, such studies would help to understand the climate changes occurred in the recent period. The large accumulation of rainfall between 300-600 m height of western Ghats has been found but the reason behind this need to be studied, which is possible by utilizing datasets that would better represent the orography and landuse over the region in high resolution model. Similarly a detailed analysis is needed to clearly identify the causative relations of the predictors identified with the predictant and the physical reasons behind them. New approaches that include nonlinear relationships and dynamical variables from model simulations can be included in the existing statistical models to improve the skill of the models. Also the statistical models for the forecasts of monsoon have to be continually updated.

Coconut Phenology and Yield Response to Climate Variability and Change

The present investigation on “Coconut Phenology and Yield Response to Climate Variability and Change” was undertaken at the experimental site, at the Regional Station, Coconut Development Board, KAU Campus, Vellanikkara. Ten palms each of eight-year-old coconut cultivars viz., Tiptur Tall, Kuttiadi (WCT), Kasaragod (WCT) and Komadan (WCT) were randomly selected.The study therefore, reinforces our traditional knowledge that the coconut palm is sensitive to changing weather conditions during the period from primordium initiation to harvest of nuts (about 44 months). Absence of rainfall from December to May due to early withdrawal of northeast monsoon, lack of pre monsoon showers and late onset of southwest monsoon adversely affect the coconut productivity to a considerable extent in the following year under rainfed conditions. The productivity can be increased by irrigating the coconut palm during the dry periods.Increase in temperature, aridity index, number of severe summer droughts and decline in rainfall and moisture index were the major factors for a marginal decline or stagnation in coconut productivity over a period of time, though various developmental schemes were in operation for sustenance of coconut production in the State of Kerala. It can be attributed to global warming and climate change. Therefore, there is a threat to coconut productivity in the ensuing decades due to climate variability and change. In view of the above, there is an urgent need for proactive measures as a part of climate change adaptation to sustain coconut productivity in the State of Kerala.The coconut productivity is more vulnerable to climate variability such as summer droughts rather than climate change in terms of increase in temperature and decline in rainfall, though there was a marginal decrease (1.6%) in the decade of 1981-2009 when compared to that of 1951-80. This aspect needs to be examined in detail by coconut development agencies such as Coconut Development Board and State Agriculture Department for remedial measures. Otherwise, the premier position of Kerala in terms of coconut production is likely to be lost in the ensuing years under the projected climate change scenario. Among the four cultivars studied, Tiptur Tall appears to be superior in terms of reproduction phase and nut yield. This needs to be examined by the coconut breeders in their crop improvement programme as a part of stress tolerant under rainfed conditions. Crop mix and integrated farming are supposed to be the best combination to sustain development in the long run under the projected climate change scenarios. Increase in coconut area under irrigation during summer with better crop management and protection measures also are necessary measures to increase coconut productivity since the frequency of intensity of summer droughts is likely to increase under projected global warming scenario.

Environment and Climate Changes During the Late Quaternary: Inferences from Sedimentary Records of Southeastern Arabian Sea

Department of Marine Geology & Geophysics, Cochin University of Science and Technology

Weather and climate of Penisular India modulated by Extrinsic factors- Empirical and Numerical Perspectives

The Doctoral thesis focuses on the factors that influence the weather and climate over Peninsular Indias. The first chapter provides a general introduction about the climatic features over peninsular India, various factors dealt in subsequent chapters, such as solar forcing on climate, SST variability in the northern Indian Ocean and its influence on Indian monsoon, moisture content of the atmosphere and its importance in the climate system, empirical formulation of regression forecast of climate and some aspects of regional climate modeling. Chapter 2 deals with the variability in the vertically integrated moisture (VIM) over Peninsular India on various time scales. The third Chapter discusses the influence of solar activity in the low frequency variability in the rainfall of Peninsular India. The study also investigates the influence of solar activity on the horizontal and vertical components of wind and the difference in the forcing before and after the so-called regime shift in the climate system before and after mid-1970s.In Chapter 4 on Peninsular Indian Rainfall and its association with meteorological and oceanic parameters over adjoining oceanic region, a linear regression model was developed and tested for the seasonal rainfall prediction of Peninsular India.

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

Personal finance of gulf-returned Keralites

The study is about the Gulf-returned Keralites and their personal financial planning during the Gulf-period. The researcher has examined the nature of their income, expenditure, savings and investments during the Gulf-period and after their return. Even though the Gulf-returned Keralites had remitted huge amounts to Kerala, it appears that the majority of them are struggling hard to make both ends meet. The sample consists of 318 Gulf-returned Keralites selected by employing stratified random sampling technique, from 5 districts. After a pilot study, the data was collected through personal interviews using a structured schedule. In order to find out whether the respondents had personal financial planning during the Gulf-period, the researcher has evaluated 15 elements of personal financeusing a five-point-scale rating technique. The hypotheses were tested using correlation, t-test, chi-square and ANOVA, through SPSS.

Personal Finance of Gazetted Officers in Kerala

The purpose of personal financial management is achievement of personal financial freedom. It is a stage where finance will not be a hindrance against the fulfilment ofthe financial objectives of persons. After counting individual values and preferences we arrive at a standard or normal financial behaviour. Even though individuals differ in their tastes and preferences, there are a very large amount of commonality among them. The financial manager should list out the various financial objectives ofthe family. Then he should make the best choice from among the various alternatives on a priority based system. In short personal finance is concerned with the way in which a person manages his income and expenditure to achieve his personal financial objectives. Thus a proper personal financial planning is essential in every family for attaining financial discipline in the family. The fall ofthejoint family system, the growing financial responsibilities of modern families, limited chance ofincreasing income, growing population, financial insecurity of the government employees, lack of financial freedom, lack of proper personal financial practice and its awareness, the growing suicide rate on account offinancial crisis etc.,make the study a necessity

Receivable Management in Non Banking Finance Companies with Special Reference to Vehicle Financing

In the absence of entry barrier or regulatory restrictions, Non Banking Financial Companies frantically grew and accessed the public deposit without any regulatory control. The deposit of NBFCs grew from Rs. 41.9 crore in 1971 to 53116.0 crore in 1997. This growth was the result of a combined effect of increase in the number of NBFCs and increase in the amount of deposits. The deposits amazed as above was invested in various assets especially that in motor vehicles by these asset financing NBFCs. Various tactics were adopted by these NBFCs and their agents for recovering the receivable outstanding from such assets. Both central government and RBI were concerned about the protection of depositors‘ interest and various committees were set up to frame a comprehensive regulation for the functioning of these NBFCs.

A Case Study Of The Finance Of Selected Panchayats In Ernakulam District

The objectives of the present study are to inquire into the financial aspects of the selected Panchayats in Ernakulam district; , to analyse the income and expenditure pattern of selected and ‘District Panchayats'16 during 1969-70 through 1983-84; , to suggest the steps to be taken by the Panchayat for the proper utilisation of resources and for increasing the availability of resources; to suggest the additional sources of revenue for the Panchayats