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M. Sc. Dissertations

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2004 - 20072
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Subject: Home Science × End date: 2007 ×
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    ThesisItemOpen Access
    Procurement and utilization of credit facilities by rural women in Hisar district
    (CCSHAU, 2007) Raksha; Goel, Rita
    Around the world, women’s economic conditions are adversely affected by their lack of access to productive resources. A women’s economic position directly affects her ability to purchase, needed improvements in health, housing and education for herself and her family, her position and bargaining power in the family and community as well as her ability to act against violence in her home and her world. Credit being an entry point for development, increased access to credit for women is justified on all three grounds of equity, need and prudent banking. Though credit was recognized as an important plank of strategy for women in development right from 1975, no full proof credit system is yet developed, for delivering credit to poor women for self employment or enterprise development. To understand the credit behaviour of women, the present study was conducted in Hisar district, Haryana state. A sample of 100 rural women who procured credit was selected randomly to know the procurement, utilization and repayment pattern of credit. Personal, economic, communication and psychological variables were taken as independent variables, whereas, knowledge about the credit agencies, procurement of the credit, utilization of the credit and repayment of the credit were studied as dependent variables. The background information of the respondents revealed that majority of them were middle aged, illiterate, belonged to medium caste, had small nuclear family , medium family education status, agriculture as main family occupation. Low income, and land holding and herd size. They had low to medium communication and psychological profile. Study revealed that majority get information about credit from the neighbours, relatives and friends. Maximum credit was given by the State Bank of India and the scheme was Haryana Women Development Cooperation (HWDC). Cent per cent respondents conceptualized credit as a help to rural masses and the main reason for the procurement of credit was starting entrepreneurship. Majority completely utilized the credit but do not repay at time due to natural calamities. The overall constraints faced by respondents in procurement was educational, for utilization, it was insufficient amount and for repayment, communication was the major constraint. For constraints, they suggested that there should be awareness programme, procurement procedure should be easy, interest rate should be low etc. Occupation, risk orientation and economic motivation were significantly associated with the procurement behavior and innovation proneness was significantly associated with the repayment behavior of the respondents.
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    ThesisItemOpen Access
    Development and nutritional evaluation of value added products from mothbean [Vigna aconitifolia (Jacq.) Marechal]
    (CCSHAU, 2004) Dahiya, Deepti; Boora, Pinky
    Value added matthi, papad, wadi, biscuit, sev and noodles were prepared using mothbean (varieties RMO-423 and RMO-435), fenugreek (variety Hisar Sonali) and spinach (variety S-23) in different proportions. The most acceptable ones were analysed for their nutritional value and shelf value. Chemical analysis of raw ingredients and the products prepared was done for their proximate composition, sugars, β-carotene, in vitro protein and starch digestibility, bioavailability of minerals and for antinutrients. Matthiprepared by supplementation with mothbean, fenugreek and spinach were found better for their protein, fat, ash, fibre, total calcium, iron and zinc content. However, the supplementation also increased the antinutrients significantly. Fenugreek and spinach also increased β-carotene content in matthi and all other products. In vitro protein digestibility of supplemented matthiincreased significantly. Proximate composition, protein and starch digestibility and HCl-extractability of minerals of supplemented papadwas similar to that of control. However, antinutritional factors calcium and iron content were increased on supplementation with mothbean, fenugreek and spinach. Protein content in wadi increased with mothbean. Fenugreek and spinach increased antinutrients ash, fibre, calcium and β-carotene content in wadi. Protein and starch digestibility were at par with control. HCl-extractability of calcium increased in supplemented wadi. Proximate composition of biscuits was found improved in all combinations for protein, ash, fibres, calcium and iron. Antinutrients increased while protein and starch digestibility decreased significantly in supplemented biscuits. HCl-extractability of calcium, iron and zinc increased after supplementation. Supplemented sev were found better in their proximate composition. Antinutrients were found increased in sevsupplemented with fenugreek and spinach. Mineral content and their HCl-extractability increased after supplementation of sev. Proximate composition and sugar content were not changed in case of noodles after supplementation. Protein and starch digestability also remained unchanged. Calcium, iron and their HCl-extractability were found increased. Shelf life of biscuits and matthi was found quite satisfactory upto one month. It was good for papad, wadi, sevand noodles even upto two months. Fresh fenugreek and spinach leaves may be converted into dry powder which may be used round the year for preparing different value added products in combination with mothbean. Supplemented products have better acceptability due to their better nutritional quality. Therefore these value added products should be included in the diet of vulnerable groups due to their better nutritional quality.