Thumbnail Image

Theses

Browse

1993 - 19942
Reset filters
Subject: Others × Author: KAU × End date: 1994 × Start date: 1990 × Type: Thesis ×
Reset filters

Search Results

Now showing 1 - 2 of 2
  • Thumbnail Image
    ThesisItemOpen Access
    Resource management in urban co-operative banks in Thrissur district
    (Department of Co- operative Management, College of Co- operation and Banking,Vellanikkara, 1993) Babu, C V; KAU; Sukumaran, A
    Study on resource management in urban cooperative banks in thirssur district was conducted with the objective of examining the resource management practices of urban cooperative banks with special reference to the management of sources and use of funds, to identify problems and to suggest remedial measures thereof. Study observed that deposits constituted the lions share of total sources of funds of banks. The borrowings of the banks were negligible. Thre strong capital base of the banks helped to retain the credibility of the depositors, Reserves which contribute the major chunk of the owned funds, increased the total source of funds. The high proportion of fixed deposits in the funds mobilized caused to rise the interest liability of the banks. Since there are limits to control the interest cost, banks have to bring down their manpower and other expenses, improve revenue by the profitable deployment of funds, besides enhancing the mobilization of deposits for short periods. Among the three types of loans and advances, short term loans and advances occupied highest place. However, banks may further improve the share of short term loans in the funds deployment, which can ensure frequent recycling of funds, maximize profit and keep the liquidity needs met. The major part of investment in short term loans and advances were financed through fixed deposit mobilization. Funds were not rationally allocated from the view point of periodicity. Yielding lesser income to the banks, the investments increased enormously. The disproportionate growth of equity and debts of the banks intensified the risk exposure of funds portfolio. There had no direct relationship between risk and return of the banks and a proper risk return trade off is lacking in majority of the banks. Banks had kept excess liquid assets and liquid cash over and above the statutory requirements. This necessitated scientific evaluation of the liquidity needs to identify the funds blocked as idle and utilize the excess fund kept for profitable deployment. Credit deposit ration of the banks was below the desirable level and this affected the profitability adversely. The lending efficiency of the banks had also affected by the poor recycling of funds. Therefore, steps may be taken to improve, the credit deposit ratio, reduce mounting over dues, and ensure efficient management of risk and return which in turn calls for the scientific management of funds.
  • Thumbnail Image
    ThesisItemOpen Access
    Performance of Rubber Clones in Pullengode estate in Ernad Taluk of Malappuram district
    (Department of Plantation Crops and Spices, College of Horticulture,Vellanikkara, 1994) Ravindra Das, K; KAU; Prassannakumari Amma, S
    The study aimed at evaluating the performance of three clones of rubber viz. RRII 105, RRIM 600 and PB 235 in Ernad taluk of Malappuram district. Ten identical units in each clone were selected and details on girth and yield characters were gathered. The secondary characters such as resistance to diseases, tapping panel dryness, wind damage, yield depression during summer, dry rubber content, colour of latex etc. were studied. The study was conducted through personal visits and with the help of a pre – tested questionnaire. Some of the details were collected from the Rubber Board Regional Officer, Nilambur and from the records mainted in the Pullengode estate. The results of the study showed that the over all performance of the clones RRII 105 and RRIM 600 were satisfactory under the prevailing agro – climatic conditions in Malappuram district and in the hilly tract of Pullengode area. Available information from the estate showed that the highest yield was recorded for the clone RRII 105. It showed a fair degree of tolerance to abnormal leaf fall and pink disease than the other clones, but was susceptible to brown bast. The trees are being kept under the low frequency tapping system to control the occurrence of tapping panel dryness. The clone showed the lowest depression in yield of 16.19 per cent during summer. The clone recorded a dry rubber content of 39.65 per cent. The clone RRIM 600 occupied the second place in the overall performance and yield. The incidence of abnormal leaf fall and pink disease was not so severe. The powdery mildew and brown bast incidence were low. The yield depression during summer was 18.88 per cent. It recorded the highest dry rubber content of 39.75 per cent. Since the trees of the clone PB 235 were opened only in 1992, the yield pattern is not possible to be explained as it has not reached the stable stage. More data are required for a realistic comparison with the other clones. The susceptibility to abnormal leaf fall and powdery mildew was high. Incidence of pink disease was low. Tapping panel dryness was also not observed, perhaps being in the second year of tapping under low frequency system. The clone had light yellow latex of low dry rubber content of 31.45 per cent. In general Pullengode estate maintains the clones, RRII 105, RRIM 600 and PB 235 selected for the study under scientific and uniform conditions. The performance of the clones, except the slight variations inherant with each clone in growth, yield, susceptibility and tolerance to disease incidence, is found to be excellent. The clones are suitable for this region under the existing agro – climatic conditions and the recommended cultural practices.