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| Abstract: | Chit funds contribute to the value of financial markets in India particularly in Kerala. Chit finances with its unique features are of great significance especially as a savings cum borrowing avenue. The present study entitled “A Study of chit Finance in Kerala with special emphasis on Kerala State Financial Enterprises Ltd.” examines the socio-economic aspects of Chit schemes run by the private Chit Funds, KSFE, co-operatives, and informal Chit Funds. The study is an attempt to find the reasons for the growing popularity of Chit Funds as savings cum borrowings avenues even in the presence of various other avenues of savings and borrowings and also to understand how the Chit subscribers utilize the funds. The objectives of the present study are to examine the trends and pattern of growth of Chit Funds in the formal sector in Kerala, performance of KSFE as the only public sector Chit Fund company in India, preference for joining Chit Funds, estimate the cost and return on Chit Funds etc. is an indigenous financial instrument is complementary to modern financial techniques of savings and borrowings. KSFE is the dominant foremen in the chit business in Kerala, its weaknesses result in the non-attainment of certain objectives. Driven by the growing trend of privatization, KSFE needs to be innovative and competitive. It is also necessary that KSFE continue its leadership role by being more effective in being the harbinger of more efficiency, professionalism and good governance in the Chit Fund Industry. The growth and development of chit business by protecting the interests of both the subscribers and the foremen will therefore be most beneficial for any growing economy. |
| URI: | http://dyuthi.cusat.ac.in/purl/48 |
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| Dyuthi-T0273.pdf | (10.44Mb) |
| Abstract: | This study deals with the working of Women’s Industrial Co-operative Societies (WICS) in Kerala. The formation of women’s co-operatives was identified as a lucrative enterprise and a feasible proposition for empowerment of women through encouraging and ensuring their active participation in the process of social and economic development. The problem of unemployment of Women and poverty in India can be tackled effectively only through suitable and appropriate self-employment schemes. WICS help to supplement the income of families and thus raise the standard of living. WICS in Kerala have a significant role in the elimination of industrial backwardness and mounting employment. This study focuses its attention on the performance aspects of WICS. It also gives an introduction to the co-operative movement and review of literature on industrial co-operatives in general and women’s industrial co-operatives in particular. |
| URI: | http://dyuthi.cusat.ac.in/purl/58 |
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| Dyuthi-T0328.pdf | (6.228Mb) |
| Synopsis.pdf | (436.3Kb) |
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