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Lal, Tarsem
- Investigating Occupation-Wise Perception of Customers towards Access to Cooperative Banking Services
Abstract Views :154 |
PDF Views:3
Authors
Neetu Andotra
1,
Tarsem Lal
1
Affiliations
1 P.G. Dept. of Commerce, University of Jammu, Jammu & Kashmir, IN
1 P.G. Dept. of Commerce, University of Jammu, Jammu & Kashmir, IN
Source
International Journal on Customer Relations, Vol 4, No 1 (2016), Pagination: 5-11Abstract
The present paper aims at investigating the occupation-wise perception of customers towards access to cooperative banking services. The study is both expressive and evaluative in nature. In order to investigate the perception of customers towards access to cooperative banking services, both primary and secondary data has been collected. The primary data have been collected from 540 customers of cooperative banks operating in three northern states of India i.e J&K, Himachal Pradesh, and Punjab. The technique of factor analysis has been used through SPSS (version 17.00) with Principal Component Analysis along with varimax rotation for summarisation of the total data into minimum factors. Secondary information was collected from published sources i.e books, journals, files, cooperative bulletins, organisational reports, annual drafts of Planning and Statistical Department (Government of J&K, Himachal Pradesh, and Punjab), RBI reports, magazines, and Internet. ANOVA has been applied for data analysis. The results of the study shows that there exits significant means difference between perception of customers towards access to Cooperative banking services.Keywords
ANOVA, SPSS, Varimax Rotation, RBI, Banking Services, Access, Perception.
- Measuring Age-Wise Perception of Different Beneficiaries Regarding Access to Financial Services through Cooperative Banks
Abstract Views :141 |
PDF Views:4
Authors
Neetu Andotra
1,
Tarsem Lal
1
Affiliations
1 P.G. Dept. of Commerce, University of Jammu, Jammu & Kashimr, IN
1 P.G. Dept. of Commerce, University of Jammu, Jammu & Kashimr, IN
Source
Journal of Commerce and Accounting Research, Vol 5, No 2 (2016), Pagination: 23-32Abstract
The present study is undertaken to measure empirically the age-wise perception of different respondents regarding access to financial services through cooperative banks. In order to fulfil the objectives of the study, the primary data are collected personally from beneficiaries of the four cooperative banks covered under financial inclusion drive of RBI operating in Jammu region viz. The Citizen Cooperative Bank, The Jammu Central Cooperative Bank, Devika Urban Cooperative Bank Ltd., and Women Cooperative Credit Bank. The responses are collected using a self-developed questionnaire sub-divided into socio-economic variables and specific information regarding access to financial services. For comparison, responses from beneficiaries of cooperative banks operating in neighbouring tehsils of Himachal Pradesh and beneficiaries of cooperative banks from the state of Punjab are collected.The findings of the study reveal that there exists no significant difference between the perceptionsof beneficiaries belonging to different age groups regarding the access to financial services through cooperative banks.Keywords
Financial Services, Cooperative Banks, Access, Perception, Financial Inclusion, RBI.- Impact of Temporal Change of Land Use and Cropping System on Some Soil Properties in Northwestern Parts of Indo-Gangetic Plain
Abstract Views :157 |
PDF Views:54
Authors
Affiliations
1 ICAR-National Bureau of Soil Survey and Land Use Planning, Regional Centre Delhi, IARI Campus, New Delhi 110 012, IN
2 ICAR-National Bureau of Soil Survey and Land Use Planning, Amravati Road, Nagpur 440 033, IN
1 ICAR-National Bureau of Soil Survey and Land Use Planning, Regional Centre Delhi, IARI Campus, New Delhi 110 012, IN
2 ICAR-National Bureau of Soil Survey and Land Use Planning, Amravati Road, Nagpur 440 033, IN
Source
Current Science, Vol 111, No 1 (2016), Pagination: 207-212Abstract
Soil series representing different physiographic units were studied to know the impact of temporal change in land use and cropping system on some soil properties in the northwestern parts of the Indo-Gangetic Plain. The dynamics in land use and cropping system for the period 1983-84, 1996-97 and 2007-2008 and change in soil properties for the period 1983 and 2008 were studied. In Singhpur soil series developed on Shiwalik hills, the soil organic carbon (SOC) content decreased from 0.69% in 1983 to 0.40% in 2008 on account of increased deforestation and soil erosion. However, no significant changes were observed in soil pH and electrical conductivity (EC). In Manjuwal (upper piedmont plain) and Mandiani series (lower piedmonts) slight changes in SOC, pH, EC and calcium carbonate were found. In Naura series (normal soils), occurring in the old flood plain, SOC content of surface soils increased to >1.0% in 2008 compared to 0.41% in 1983 because of shifting of cropping system of maize-wheat to high biomass-producing cropping system (rice-wheat, rice-potato/mustard/peas/sunflower) and addition of fertilizers under high management practices. The soil pH and EC decreased slightly during 1983 to 2008. Similar results were also observed in Bhaura series (salt-affected soils) and Bairsal series in recent flood plains. Thus, the land use and cropping system in less-intensive cultivated areas of Shiwalik hills and piedmonts do not have much influence on the soil properties. However, in intensively cultivated areas of old and recent flood plains, where high biomass-producing rice-wheat system replaced wheat-maize system, the soil properties had changed to a large extent.Keywords
Land-Use Dynamics, Physiographic Units, Rice–Wheat Cropping System, Soil Quality Parameters.Full Text
- Empirically Testing Income-Wise Perception of Different Beneficiaries Regarding Access to Financial Services through Cooperative Banks
Abstract Views :219 |
PDF Views:1
Authors
Affiliations
1 P.G. Dept. of Commerce, University of Jammu, Jammu, IN
1 P.G. Dept. of Commerce, University of Jammu, Jammu, IN
Source
International Journal of Banking, Risk and Insurance, Vol 5, No 1 (2017), Pagination: 10-17Abstract
The present study aims at empirically testing the perception of different respondents belonging to various income groups, regarding the access to financial services through cooperative banks. In order to fulfil the objectives of the study, both primary and secondary data are collected. The primary data are collected personally from beneficiaries of cooperative banks covered under financial inclusion drive of RBI operating in Jammu region and beneficiaries of cooperative banks operating in neighbouring tehsils of Himachal&Punjab. The responses are collected using a self-developed schedule sub-divided into socio-economic variables and specific information regarding access to financial services. The findings of the study, reveals that there exists significant difference between the perception of beneficiaries belonging to different income groups regarding the access to financial services through cooperative banks.Keywords
Income, Data, Financial Services, Cooperative Banks, Access, Perception, Financial Inclusion, RBI.References
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- Perception of Rural Households Towards Availability of Cooperative Banking Services in Northern States of India
Abstract Views :204 |
PDF Views:0
Authors
Affiliations
1 Department of Commerce, University of Jammu, IN
1 Department of Commerce, University of Jammu, IN
Source
International Journal of Banking, Risk and Insurance, Vol 7, No 2 (2019), Pagination: 20-33Abstract
Purpose: The purpose of this paper is to measure the perception of rural households towards the availability of cooperative banking services.
Design/methodology/approach: To accomplish the objectives of the study, the primary data were collected from 237 beneficiaries of cooperatives banks functioning in three northern states of India, i.e., J&K, Himachal Pradesh, and Punjab using purposive sampling. The data were collected during the month January to July 2017. Statistical techniques like EFA, CFA and One-way ANOVA were applied for scale validation and data analysis.
Findings: The results of the study revealed that beneficiaries with different demographic profiles differ significantly in their perceptions with regard to availability of banking services in northern states of India.
Originality/Value: The study makes contribution towards financial inclusion literature and fulfils the research gap to some extent by analysing the perception of rural households towards the availability of banking services in northern states of India. The present study can also provide guiding principles to policymakers and other stakeholders of cooperative banks to formulate tactical policies which can helps them in providing pecuniary services to rural and urban households equally at the national and intercontinental level.
Keywords
Cooperatives, Financial Services, Perception, CFA, One-Way ANOVA.References
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