Browsing by Author "VIJAYAKUMAR, H.S."
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ThesisItem Open Access MANAGEMENT OF CREDIT DISTRIBUTION TO AGRICULTURE SECTOR BY KCC BANK(UNIVERSITY OF AGRICULTURAL SCIENCES GKVK BANGALORE, 1999-08-30) PALLERI, KASHINATH N.; VIJAYAKUMAR, H.S.Institutional credit being a powerful means to improve agriculture, in modern agriculture, credit is a crucial input. Among the various financial Institutions the co operatives have emerged as a major source for agricultural credit. In Karnataka most of the DCCB's are operationally sick and suffering from inefficient and ineffective credit management. The management of credit distribution to Agriculture sector by KCC bank has been studied as it is one of the largest lending institutions in Dharwad district. The study is based on the secondary data for 10 years (1986-87 to 1996-97). Tabular analysis and compound growth rate were used for analyses of the data. The deposit mobilization of KCC bank indicated a three fold increase and the rate of growth in total deposits indicated an increase by 13.88 per cent the total cost incurred in mobilizing deposits was Rs. 11.03 per Rs.100 which included both non-interest cost (Re. 0.48) and interest cost (Rs. 10.55). There was substantial increase in the total funds for lending. The study showed that proportion of agricultural advances in the total bank lending had increased during study period. The total number of beneficiaries also showed increasing trend. The non-interest cost incurred in lending Rs. 100 by the bank was Rs. 1.07. The percentage of overdues of loans was more than 50 per cent in 7 years out of 10 years and the growth rate of recovery was 23.68 per cent. The cost of recovery of loans was Re. 0.68 on recovery of every Rs. 100 it has lent. On an average, the bank spends Rs. 10.43 on every Rs. 100 lent and the average interest earned from lending was Rs. 12.46. Thus there was a profit margin of Rs. 2.02 per Rs. 100 lent. The bank incurred a loss of 0.53 per cent for Rs. 100 lent in the category of loans of less than Rs. 25000. The poor recovery performance and lending in the category below Rs. 25000 of the bank need to be revitalized.ThesisItem Open Access MARKETING OF POTATO IN NORTH KARNATAKA -AN ECONOMIC ANALYSIS(UNIVERSITY OF AGRICULTURAL SCIENCES GKVK BANGALORE, 1998-08-19) MITRANNAVAR, D. H.; VIJAYAKUMAR, H.S.Potato is one of the major constituents of our foods with very high dietary value. It forms one of the principal crops of the area selected for the study. In view of the low returns to farmers on account of exploitation by marketing agencies and other problems faced by farmers in marketing of potato, this study was taken up in Belgaum and Dharwad districts of North Karnataka. The objective of the study were to identify the marketing channels, to estimate price spread and to analyse the relationship between arrivals and prices. Belgaum and Hubli regulated markets in the respective districts were selected for the study and four villages from each district^ were randomly selected. A sample of 60 farmers were selected from four villages. The necessary data from farmers was collected by personal interview method. The data was also collected from the selected market functionaries operating in these two markets. The secondary data was collected from Agricultural Produce Market Committies of Belgaum and Hubli, the data pertains to the reference year 1994-95. The following are the conclusions drawn from the results obtained from the study. Of the two marketing channels identified, channel-I (producer-seller-commission agent-cumwholesellers- retailer-consumer) was the important channel through which majority of the producer-sellers sold their produce and got highest share in the consumer's rupee. in both the selected areas, of the per unit total marketing cost, packing charges constituted a major share. The price spread was greater in channel-I compared to channel-II.The retailers and village merchant secured larger part of marketing margin in channel-I and channel-II, respectively, A negative relationship between prices and arrivals was found in Hubli market while it was positive in Belgaura market. The findings of the study Implies that there is a need for improving the infrastructural facility like, storage, grading and transportation facilities in view of the problems faced by producer and sellers as well. The farmers-sellers had incurred higher marketing cost per quintal of potato in Hubli (Rs.34.00) area than that of producer-sellers of Belgaura areap (Rs.33.24), it warrants that proper marketing infrastructural facilities are needed to farmers of Hubli market area. The price spread has also indicated that the channel-ll was superior than that of channel-l because of its better performance by securing highest producer's share in the consumers rupee to the extent of 84.07 per cent to 87,61 per cent in Hubli market and Belgaum market respectively. In view of this the future marketing policy of the apex institutions like NAFED, MARKFED and HOPCOMS should aim aim to provide better marketing infrastructural facilities for the producer-sellers in securing the highest share of consumer's rupee in potato crop.