Dr.Manoj P Khttps://dyuthi.cusat.ac.in:443/xmlui/handle/purl/45812024-02-07T15:54:43Z2024-02-07T15:54:43ZLearning From Cross Country Experiences In Housing: A Micro Finance Approach For Inclusive Housing In IndiaManoj, P Khttps://dyuthi.cusat.ac.in:443/xmlui/handle/purl/45872014-08-13T20:30:29Z2008-12-01T00:00:00ZLearning From Cross Country Experiences In Housing: A Micro Finance Approach For Inclusive Housing In India
Manoj, P K
Housing is one of the primary human needs. It is second only to the need for food and
clothing. From a macro perspective, housing is an industry that can prove itself to be a
growth engine for a nation, particularly a developing nation like India. Housing has
been one of the top priorities for the various governments in India since the seventies.
The need for housing has been increasing at a phenomenal pace in India and so also
the need for housing finance. Since the growth in supply of housing could not keep
pace with the growth in its demand, housing shortage has been on the rise over the
years. Housing finance industry which was relatively dormant till the early nineties
underwent sweeping changes ever since the initiation of financial sector deregulation
measures. Financial deregulation measures brought about several changes in this
industry, the first and foremost being the fast growth rate in the industry coupled with
cutthroat competition among the industry players. This trend has been quite prominent
since the entry of commercial banks into this arena. Accordingly, there has been a
surge in the growth of retail (personal) loans segment, particularly in respect of
housing loans. This is evident from the fact that housing loans disbursed by banks as a
percentage of their total loans has increased from just 2.79% as of end-March 1997 to
as high as 12.52% as of end-March 2007. Thus, there has been an unprecedented growth rate in the disbursement of housing loans by banks, and as of 31 March 2007
the outstanding balance of housing loans by all banks in India stands at Rs.230689
Crore, as against just Rs.7946 Crore as of 31 March 1997, the growth rate being 35.82
%CAGR (for the eleven years’ period, FY 1997-‘2007). However, in spite of the
impressive growth in housing finance over the years, there are growing apprehensions
regarding its inclusiveness, i.e. accessibility to the common man, the underprivileged
sections of the society to housing finance etc. Of late, it is widely recognized that
formal housing finance system, particularly the commercial banks (CBs) – most
dominant among the players – is fast becoming exclusive in operations, with nearly
90% of the total housing credit going to the rich and upper middle income group,
primarily the salaried class. The case of housing finance companies (HFCs) is quite
similar in this regard. The poor and other marginalized sections are often deprived of
adequate credit facilities for housing purpose. Studies have revealed that urban
housing poverty is much more acute than the rural probably because of the very fast
process of urbanization coupled with constant rural to urban migration
Journal of Global Economy,
Volume 4 No 3&4, JULY-OCTOBER-DECEMBER, 2008
2008-12-01T00:00:00ZSignificance Of Product Type And Brand In The Purchasing Behaviour Of Cattle Feeds: An Empirical Study In KeralaManoj, P KJohn, M Phttps://dyuthi.cusat.ac.in:443/xmlui/handle/purl/45862014-08-13T20:30:31Z2014-03-01T00:00:00ZSignificance Of Product Type And Brand In The Purchasing Behaviour Of Cattle Feeds: An Empirical Study In Kerala
Manoj, P K; John, M P
Cattle feed industry is a major segment of animal feed industry. This industry is gradually evolving into an
organized sector and the feed manufactures are increasingly using modern and sophisticated methods that seek to
incorporate best global practices. This industry has got high potential for growth in India, given the fact that the
country is the world’s leading producer of milk and its production is expected to grow at a compounded annual
growth rate of 4 per cent. Besides, the concept of branded cattle feed as a packaged commodity is fast gaining
popularity in rural India. There can be a positive change in the demand for cattle feed because of factors like (i)
shrinkage of open land for cattle grazing, urbanization and resultant shortage of conventionally used cattle feeds,
and (ii) introduction of high yield cattle requires specialized feeds. Earlier research studies done by the present
authors have revealed the significant growth prospects of the branded cattle feed industry, the feed consumption
pattern and the relatively high share of branded feeds, feed consumption pattern based on product types (like,
pellet and mash), composition of cattle feed market and the relatively large shares of Kerala Feeds Ltd. (KFL)
and Kerala Solvent Extractions Ltd. (KSE) brands, the major factors influencing the purchasing decisions etc. As
a continuation of the earlier studies, this study makes a closer look into the significance of product types in the
buyer behavior, level of awareness about the brand and its implications on purchasing decisions, and the brandshifting
behavior and its determinants
International Journal of Business and Administration Research Review, Vol.2, Issue.4, Jan-March, 2014
2014-03-01T00:00:00ZReal Estate Development In India And The Behavior of Investors to Invest In The Real Estate Market: An Empirical InvestigationManoj, P KNasar, K Khttps://dyuthi.cusat.ac.in:443/xmlui/handle/purl/45852014-08-13T20:30:28Z2013-03-01T00:00:00ZReal Estate Development In India And The Behavior of Investors to Invest In The Real Estate Market: An Empirical Investigation
Manoj, P K; Nasar, K K
This study examines the behavioral factors that influence the Indian Investors to invest in the Real Estate Market. Among the various factors that affect the tendency of investors to invest in the real market, certain factors are greatly influenced the investors at greatest extend while others at least level. From this study it is revealed that motivation from the real estate developers and brokers (mean value- 3.46) is most influencing factor and happening of uncertain events (mean value- 1.75) is the least factor that influences the investors’ investment behavior. In this study, the behavioral factor like over confidence and the hypotheses regarding education, religion were analyzed and found that religious factor influences the Indian investors to invest in the real estate
SSIJEM VOLUME 3, ISSUE 2 [MARCH 2013]
2013-03-01T00:00:00ZICT Industry In India: A Swot AnalysisManoj, P Khttps://dyuthi.cusat.ac.in:443/xmlui/handle/purl/45842014-08-13T20:30:28Z2007-12-01T00:00:00ZICT Industry In India: A Swot Analysis
Manoj, P K
The objectives of this paper are mainly three (i) to make an overall study of the
global experiences and trends in respect of ICT industry, (ii) to study the performance
of the Indian ICT industry (including, its strengths, weaknesses, opportunities and
threats), and lastly (iii) to make constructive suggestions as to ensure superior
performance of the Indian ICT industry in the light of the latest developments and
trends in the field.
Journal of Global Economy,
Volume 3 No 5&6, October-December, 2007
2007-12-01T00:00:00Z