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

Librarians' perceptions on the use of electronic resources at Catalan academic libraries: results of a focus group

The aim of this paper is to expand on previous quantitative and qualitative research into the use of electronic information resources and its impact on the information behaviour of academics at Catalan universities.

A study of information-seeking behavior and user perceptions of academic researchers

The purpose of this paper is to examine the information-seeking behavior of science and social science research scholars, including service effectiveness, satisfaction level on different type of sources and various methods adopted by the scholars for keeping up to dateData were gathered using a questionnaire survey of 200, randomly selected, PhD students of science and social science departments of four universities in Kerala, IndiaAlthough similarities exist between social science and science PhD students with regard to information-seeking behavior, there are significant differences as well. There is a significant difference between science and social science scholars on the perception of the adequacy of print journals and database collection which are very relevant to the research purposes. There is no significant difference between science and social science scholars on the perception of the adequacy of e-journals, the most used source for keeping up to date. The study proved that scholars of both the fields are dissatisfied with the effectiveness of the library in keeping them up to date with latest developments

Farmers’ knowledge and perceptions of potato pests and their management in Uganda

As we initiate entomological research on potato (Solanum tuberosum L.) in Uganda, there is need to understand farmers’ knowledge of existing insect pest problems and their management practices. Such information is important for designing a suitable intervention and successful integrated pest management (IPM) strategy. A farm household survey using a structured questionnaire was conducted among 204 potato farmers in six districts of Uganda (i.e., Kabale, Kisoro, Mbale, Kapchorwa, Mubende, and Kyegegwa) during August and September 2013. Diseases, insect pests, price fluctuations, and low market prices were the four highest ranked constraints in potato production, in order of decreasing importance. Cutworms (Agrotis spp.), aphids (Myzus persicae (Sulzer)), and potato tuber moth (Phthorimaea operculella (Zeller)) were the three most severe insect pests. Ants (Dorylis orantalis Westwood), whiteflies (Bemisia tabaci (Gennadius)), and leafminer flies (Liriomyza huidobrensis (Blanchard)) were pests of moderate importance. Major yield losses are predominantly due to late blight (Phytophthora infestans (Mont.) de Bary) and reached 100% without chemical control in the districts of Kabale, Kisoro, Mbale, and Kapchorwa. On average, farmers had little to moderate knowledge about pest characteristics. The predominant control methods were use of fungicides (72% of respondents) and insecticides (62% of respondents). On average, only 5% of the 204 farmers knew about insect pests and their natural enemies. This lack of knowledge calls for training of both farmers and extension workers in insect pest identification, their biology, and control. Empowering farmers with knowledge about insect pests is essential for the reduction of pesticide misuse and uptake of more environmentally friendly approaches like IPM. Field surveys would need follow-up in order to assess the actual field infestation rates and intensities of each insect pest and compare the results with the responses received from farmers.

The Personal tutorial guidance sessions in the framework of the teaching-learning field of the Bologna process: University of Minho (first cycle) courses students’ perceptions

The Bologna Process defends the adoption of a higher education in teaching-learning methodologies that – in contraposition to the previous model based on the transmission of knowledge, which for being essentially theoretical, gives the student a passive role in the knowledge construction process – allows a (pro) active, autonomous and practical learning, where the student acquires and develops his competences. The personal tutorial guidance sessions are included in the teaching contact hours. This abstract presents a study about the University of Minho (first cycle) Courses Students’ perceptions of the personal tutorial guidance sessions’ relevance in the scope of the learning-teaching process, so as to confirm if the implementation/implantation of the commonly called tutorial (type) education, as an approach to an active, autonomous and practical learning, is sensed by the learners themselves

The Challenges of didactics on scholar inclusion: specialized teachers perceptions

This study is a section of the GP-FOREESP - Formation of Human Resources and Learning in Special Education Group’s agenda. This Group is engaged in the development of researches with the intent to contribute on the process to universalize the access to school as well as on the improvement of education system that is currently available to the target population of Special Education. Nowadays, the inclusion process subject has been prioritized by that research group, as they consider that, along with other reasons, the efforts to establish an inclusive education system would be the unique alternative to solve the problem regarding the access to school, which is currently limited, and also to improve the quality on special education, since the level presented in the country is low. Guided by such premise, the present work is a supplementary project developed within the group extent to generate knowledge on school inclusion matter

Student expectations and perceptions of feedback in Chemistry

These documents show the outcomes of surveys conducted by David Read in the School of Chemistry to find out about our students' expectations and perceptions of feedback, with a view to enhancing our provision and ensuring that student learning is maximised.

Condiciones de trabajo y morbilidad percibidas entre mineros de carbón en Guachetá, Colombia

Introducción: En Colombia la investigación sobre condiciones de trabajo y salud en minería carbonífera es escasa y no considera la percepción de la población expuesta y sus comportamientos frente a los riesgos inherentes. Objetivo: Determinar la asociación entre las condiciones de trabajo y morbilidad percibidas entre trabajadores de minas de carbón en Guachetá, Cundinamarca. Materiales y métodos: Se realizó un estudio transversal con 154 trabajadores seleccionados aleatoriamente del total registrado en la alcaldía municipal. Se indagó sobre características sociodemográficas, condiciones de trabajo y salud en las minas. Se estimaron prevalencias de los trastornos respiratorios, osteomusculares y auditivos, y se exploraron las asociaciones entre algunas condiciones de trabajo y los eventos con prevalencia superior a 30% de forma bivariada y múltiple, con regresiones Poisson con varianza robusta. Resultados: Los trabajadores fueron en su mayoría hombres, con edades entre 18 y 77 años de edad. Los problemas de salud más frecuentemente reportados fueron dolor lumbar (46,10%), dolor del miembro superior (40,26%), dolor del miembro inferior (34,42%), trastornos respiratorios (17,53%) y problemas auditivos (13,64%). Existen diferencias importantes en la percepción dependiendo de la antigüedad laboral y las condiciones subterráneas o no del trabajo. Conclusión: Los riesgos más reconocidos por los trabajadores son los relacionados con trastornos osteomusculares, al parecer por ser más evidentes en su cotidianidad. Las acciones en salud ocupacional podrán considerar estos hallazgos en sus planes de prevención de la enfermedad en las minas del carbón colombianas.

Representaciones sociales de la medicina complementaria y alternativa (MCA) para el cáncer en estudiantes universitarios de carreras de ciencias de la salud

Se realizó un estudio cualitativo exploratorio con estudiantes de carreras de Ciencias de la Salud con el objetivo de comprender las representaciones sociales que tienen acerca de la Medicina Complementaria y Alternativa (MCA) para el cáncer. Se desarrollaron grupos focales y la información obtenida fue analizada a través del Análisis Temático e interpretada con base en la Teoría de las Representaciones Sociales. Se encontraron diversas representaciones sociales asociadas con la definición, los objetivos, los tratamientos, la eficacia, las fuentes de información y el origen de la MCA. En conclusión se evidenció una alta tendencia a la aceptación y a la manifestación de una actitud positiva, aunque ambivalente frente a la MCA, además de un desconocimiento por la diferenciación conceptual entre este tipo de Medicina y la Medicina Popular. La cultura y las creencias sociales predominan en las representaciones sociales que tienen los estudiantes de la MCA para el cáncer, pese a su formación académica.

An analysis of Turkish prospective teachers' perceptions about technology in education. 'Análisis de la percepción de futuros profesores turcos sobre tecnología en educación'.

Resumen tomado de la publicación

Students' perceptions of the prevalence, forms and causes of child abuse in Edo State, Nigerian. 'Percepci??n de los estudiantes acerca de la prevalencia, formas y causas de abuso a menores en Edo, Nigeria'

Resumen basado en el de la publicaci??n

Mathematics, computers in Mathematics, and gender : public perceptions in context. 'Matemáticas, ordenadores en Matemáticas y género : percepciones públicas en contexto'.

Resumen basado en el de la publicación

Interpreting students??? perceptions in fluid mechanics learning outcomes

Resumen basado en el de la publicaci??n

''Cashless'' transactions : perceptions of money in mobile payments

A limited number of ‘cashless transaction’ studies addressed the issue that the mode of payment affects perceptions of money and purchase behaviour, the majority of the research is in the area of the credit card payment mode. Credit card based research has shown that when a credit card based payment is used, the volume, value and type of products purchased increase. Whether this is due to the credit element or to the ‘cashless or mobile’ element of the transaction is not known. The notion that the tangibility of cash influences perceptions of money is not novel, but it is untested. This discussion paper suggests that under conditions of cash, there is awareness (conscious/unconscious) that a possession of value transferred and this perception may well have a direct impact on people’s perception of money and their spending behaviour.

Perceptions of the impacts of genetically modified cotton varieties: a case study of the cotton industry in Gujarat, India

The paper reports the findings of a study designed to consider the impact of the adoption of Bt cotton on markets, businesses, and institutional arrangements in India. Given that evidence to date suggests that widespread adoption of Bt cotton by farmers is likely to increase production, this study aims to assess possible implications for markets (access to inputs, prices of inputs and outputs, etc.) and local industries and to identify potential winners and losers. The results suggest that there are impacts on the cotton industry following from the release of Bt hybrids, and so far the impacts are most noticeable "upstream" (i.e., the input suppliers), where companies are rapidly moving away from the sale of bollworm insecticide and attempting to sell Bt seeds. Seed companies are looking for partnerships with Monsanto, the owner of the Bt gene. One reason that companies are keen to move away from insecticide is so they can avoid the need for credit supply to their customers. Seed purchase is not normally through credit, whereas insecticide purchase is. Issues for companies "downstream" (gins, textile manufacturers) relate more to the better quality of Bt cotton and the need for adequate segregation of Bt and non-Bt cotton.