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

Attitudes and behaviour towards food attributes and organic food – a triangular methodological investigation of occasional organic consumers

Organic food is increasingly available in the conventional food retail, where organic products are offered alongside with various other types of products and compete mainly with conventional and the so-called conventional-plus products. The latter are conventional products displaying particular quality attributes on the product packaging, such as ‘no artificial additives’, or ‘from animal welfare husbandry’. Often, these quality attributes also apply to organic products. Occasional organic consumers might prefer such conventional-plus alternatives that are perceived to be ‘between’ organic and conventional products. The overall objective of this PhD thesis was to provide information about the segment of occasional organic consumers. In particular, the thesis focussed on consumer perceptions and attitudes towards the quality of, and preferences for, organic, conventional and conventional-plus products in two countries: Germany and Switzerland. To achieve these objectives, qualitative and quantitative consumer research was combined in order to explore occasional organic consumers’ perceptions and attitudes as well as to observe their preferences and buying behaviour regarding different types of food products: organic, conventional and conventional-plus products. The qualitative research showed that, depending on single criteria, organic production was both positively as well as negatively assessed by consumers. Consumer perception of organic food was found to be highly selective and primarily focussed on the final stage of the particular production process. A major problem is that consumers are still mostly unfamiliar with factors associated with organic production, have a lack of confidence, and often confuse organic with conventional products. Besides this, consumer expectations of organic products are different from the expectations of conventional products. The quantitative research revealed that attitudes strongly determine consumers’ preferences for organic, conventional and conventional-plus products. Consumer attitudes tended to differ more between organic and conventional choices rather than conventional-plus and conventional choices. Furthermore, occasional organic consumers are heterogeneous in their preferences. They can be grouped into two segments: the consumers in one segment were less price sensitive and preferred organic products. The consumers in the other segment were more price sensitive and rather preferred conventional-plus or conventional products. To conclude, given the selective and subjective nature of consumer perception and the strong focus of consumer perception on the final stage of the food production process, specific additional values of organic farming should be communicated in clear and catchy messages. At the same time, these messages should be particularly focussed on the final stage of organic food production. The communication of specific added values in relation with organic products to improve the perceived price-performance-ratio is important since conventional-plus products represent an interesting alternative particularly for price sensitive occasional organic consumers. Besides this, it is important to strengthen affirmative consumer attitudes towards organic production. Therefore, policy support should emphasise on long-term communication campaigns and education programmes to increase the consumer awareness and knowledge of organic food and farming. Since consumers expect that organic food is regionally or at least domestically produced while they less accept organic imports, policy support of domestic and regional producers is a crucial measure to fill the current gap between the increasing consumer demand of organic food and the stagnation of the domestic and regional organic food supply.

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 Perception of Subjective Surfaces

It is proposed that subjective contours are an artifact of the perception of natural three-dimensional surfaces. A recent theory of surface interpolation implies that "subjective surfaces" are constructed in the visual system by interpolation between three-dimensional values arising from interpretation of a variety of surface cues. We show that subjective surfaces can take any form, including singly and doubly curved surfaces, as well as the commonly discussed fronto-parallel planes. In addition, it is necessary in the context of computational vision to make explicit the discontinuities, both in depth and in surface orientation, in the surfaces constructed by interpolation. It is proposed that subjective surfaces and subjective contours are demonstrated. The role played by figure completion and enhanced brightness contrast in the determination of subjective surfaces is discussed. All considerations of surface perception apply equally to subjective surfaces.

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

On the incremental validity of irrational beliefs to predict subjective well-being while controlling for personality factors

Resumen tomado de la publicaci??n

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.

Objective quality of life, optimism, and social-juridical variables, as predictive ones of the subjective quality of life in disarmed Colombian persons

The goal of this research was to identify predic- tive psychosocial factors of the subjective quality of life in a group of 60 people, with ages between 19 and 57, from both sexes, included in the program of demobilization and social inclusion of the Pro- grama de la Alta Consejería para la Reintegración Social y Económica de Personas y Grupos Alzados en Armas en Colombia. this research was a predic- tive correlational descriptive study. the Question- naire of optimism/Pessimism was used to assess the optimist or pessimist trend, and, for assess the quality of life, these strategies were combined: a home visit to value the objective quality of life, the Analogous scale of subjective Quality of Life to value satisfaction and well-being, and a general format to collect socio-demographic and juridical information. Results show that some variables as perceived health, optimism, educational level, re- ligious believes, objective quality of life, type of demobilization and years spent in the armed group operating outside the law, are associated to better levels of perceived quality of life. The findings and limitations of the study are discussed.  

Las aristas subjetivas de la historia

La vida y obra de los personajes de la historia de la ciencia puede ser analizada por los historiadores a través de un prisma formado por artistas subjetivas que corresponden a sus propios pensamientos, percepción e imaginación, lo que conduce a que con frecuencia resultan imágenes distorsionadas que dan origen a mitos. El presente artículo invita al lector a reflexionar sobre las imágenes plasmadas por los historiadores, acerca de algunos protagonistas de la ciencia y de su entorno.

¿Realmente sabemos lo que hacemos cuando creemos combatir la delincuencia?

This article treats the topic of the perceptions of the delinquency that they have been formed by the inhabitants of two urban areas of the cty of Guadalajara, Mexico: the neighborhood of Analco and the colony Providence. The perceptions are defined as a social construction that propitiates the subjective configurations with those that the fellows appropriate in the daily personal experience and the way like they select the possible interpretations. This definition relates the perceptions with the sensations and the senses, but also with a lattice –can be call net, outline or copy– of symbols, senses and meanings that help them to act in and with the world. The own construction of the perceptions grants elements to link them with situations of vital importance for the fellows: space-temporary descriptions of the world, daily evaluations of the situations and, especially, with the prescriptive aspects of the life. In the sense up described, the perceptions are included inside the processes of social knowledge, located space-temporarily, as long as they depend on the senses of the fellows to capture the reality and of the previous knowledge. This is what gives floor to speak of the subjectivity, of the rationality and of the beliefs.

El trabajo en equipo en el Proceso Administrativo y de Compras en OPL Carga de Bucaramanga

El proceso administrativo y de compras de OPL Carga tiene algunas falencias entre ellas: fallas en la Comunicación entre el personal operativo, no se realizan llamadas internas usando con frecuencia el email, produciendo la saturación de solicitudes las cuales terminan sin ser resueltas en cuanto a roles se refiere, no hay enfoque de procesos en vista que no se tiene claras las tareas de cada cargo, adicionalmente no hay claridad en los subprocesos, perjudicando el proceso con el aumento de costos, pérdida de tiempo, las responsabilidades de los funcionario no todas las veces se ejecutan en el tiempo asignado, el liderazgo compartido presenta ambigüedades. Objetivos: Definir el trabajo en equipo en el proceso administrativo y de compras en OPL carga de Bucaramanga. La investigación que a realizar es de tipo descriptivo, busca descubrir las falencias o características que permiten diseñar y desarrollar un modelo de solución para los problemas del equipo de OPL Carga S.A.S. Materiales y métodos: La investigación efectuada es de tipo descriptivo, el objetivo es definir el modelo del trabajo en equipo y describir las falencias en el proceso administrativo y de compras en OPL carga de Bucaramanga, que permitan obtener un diagnóstico integral que conlleve a la implementación de estrategias de solución. Resultados: Se identificaron las falencias en los siguientes aspectos: Variable comunicación, rendimiento, destrezas complementarias, propósito significativo y meta específicas de los funcionarios en OPL carga sección administrativa. Conclusiones: El modelo de trabajo en equipo que OPL aplica es jerárquico, en el que se ofrece estabilidad, seguridad, se toman decisiones en forma piramidal, mediante la planeación de tareas, la colaboración, igualdad y respeto por los miembros, trabajando en pro de la solución de problemas. Se construyó un plano conceptual que permitió exponer la interpretación que la estudiante tiene de las teorías, investigaciones y antecedentes válidos para la comprensión del problema investigado. Área comunicacional: Coordinar acciones tendientes para que los funcionarios respondan a tiempo los emails atenientes a su trabajo. Área condiciones de trabajo: Clarificar y diseñar las reglas de comportamiento al interior de los equipos de trabajo que redunden en el mejoramiento del mismo y la búsqueda de soluciones oportunas. Área metas específicas: Procurar mediante auditorías el cumplimiento de las metas y objetivos propuestos por cada equipo de trabajo.

Relación de las condiciones de salud y trabajo con la calidad de vida laboral, en trabajadores de dos instituciones hospitalarias de Boyacá, Colombia

Introducción: La Calidad de vida en el trabajo tiene componentes objetivos y subjetivos, es la manera como se vive la cotidianidad en el ambiente laboral. Involucra condiciones de trabajo, relaciones sociales, percepciones de satisfacción o insatisfacción derivadas de la conjunción de factores en el sentido de sentirse realizado con sus propias expectativas y proyectos (1). La calidad de vida laboral puede estar directamente relacionada con las condiciones de trabajo en las que se desempeñan los trabajadores. El personal de la salud representa entre el 6 al 7% de la población económicamente activa en la Región de las Américas (2), el abordaje de su problemática debe hacerse desde la protección social en salud,enfocando acciones conducentes al mejoramiento integral de las condiciones de vida de la sociedad en general, a través de la Gestión del Recurso Humano. Métodos: Estudio transversal en 102 trabajadores que cumplen con criterios de inclusión y exclusión, sobre percepción de calidad de vida laboral y condiciones de salud y trabajo, en dos instituciones prestadoras de Servicios de salud públicas de baja complejidad de los Municipios de Samacá y Ramiriquí en Boyacá en el 2014. Resultados: Del total de los trabajadores encuestados el 64,7 % son asistenciales, el 80,4 son mujeres, el 60 % tienen contrato indirecto. 71 % devenga un salario entre 1 y 2 SMMLV. El 74 % de los trabajadores administrativos laboran ocho (8) horas diarias mañana y tarde, 44 % de los asistenciales laboran ocho (8) horas diarias mañana y tarde y 41 % cumplen jornadas de doce (12) horas diarias inclusive en la noche, en relación a seguridad e higiene hay exposiciones al ruido y a secreciones y desechos de personas o animales. El principal factor de riesgo ergonómico son los movimientos repetidos en administrativos (74,3%) y Asistenciales (76,9 %). El 93,1 % de los trabajadores perciben su salud entre excelente y buena. En cuanto a la Calidad de Vida Laboral sólo el 15% de los trabajadores expresan insatisfacción por la forma de contratación, 56% están entre satisfechos y medianamente satisfechos con el salario recibido, la satisfacción con la oportunidad de aplicar la creatividad e iniciativa en el trabajo es del 90 %, el 33 % de los trabajadores están satisfechos con la capacitación brindada por la institución y sólo el 27 % expresan siempre el respeto a los derechos laborales; Un bajo porcentaje(28 %) de los trabajadores expresan que reciben siempre de parte de usuarios o clientes muestras de reconocimiento por las actividades que realizan; la tenencia de la vivienda se ha dado por el empleo, sin embargo el porcentaje de motivación laboral más alto se da en los asistenciales (81,8 %) que en los administrativos (75,8%). Se encontró escasa asociación estadística entre las variables de Calidad de Vida y las variables de Condiciones de Trabajo y salud Discusión: En esta población la percepción de los trabajadores no refleja una insatisfacción marcada, es entonces ¿el grado de satisfacción de las necesidades humanas un indicador de la mejor o peor calidad de vida laboral? o simplemente la calidad de vida laboral depende del cubrimiento de las expectativas individuales. Este estudio es coincidente con otros en que la proporción mayoritaria de quienes trabajan en salud son mujeres, se deben focalizar acciones desde la perspectiva de género en el sector salud que hagan parte de políticas públicas y de reformas a la salud apuntando a la reducción del impacto de la carga del trabajo en la salud.