Browsing by Author "Ambiga Devi, P"

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    Acceptance of Mobile Banking among Customers: An Empirical Investigation in Coimbatore
    (2013) Ambiga Devi, P
    Mobile banking is an application o f mobile computing which provides customers with the support needed to be able to bank anywhere, anytime using a mobile handheld device and a mobile service such as text messaging (SMS). Mobile banking removes space and time limitations from {banking activities such as checking account balances, or transferring money from one account to another. Mobile banking (also known as M-Banking and SMS Banking etc.) is a term used for performing balance checks, account transactions, payments etc. via a mobile device such as a mobile phone. The present study aims to identify and investigate the acceptance o f mobile banking among customers in Coimbatore City. This study based on primary data collected from 100 respondents through a questionnaire indicates the effective role to be played by the banking sector to create awareness on mobile banking among its customers and also to provide trust and security in using mobile banking.
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    An Analysis on the Performance of Women Entrepreneurs in Coimbatore District
    (2007-07-20) Jayasudha, M; Ambiga Devi, P
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    An Assessment of Poverty and Living Standards of Irulas (A Primitive Tribal Group In Tamil Nadu)
    (2011) Ambiga Devi, P
    The tribal population identified as the aboriginal inhabitants of India are seen in almost every state of India. There are some distinct backward groups among the tribal communities, who live more or less in isolation, inaccessible terrain and maintain a lifestyle that remains static through centuries. The population of these socially isolated tribal communities small in size and referred to as the primitive tribal groups (PTG) are in the lowest strata of the general tribes. In Tamil Nadu, hulas are one of the primitive tribal groups and a major scheduled tribe. Since the hulas are forest dwellers, they are quite familiar with the jungle produce, which they barter with the. other tribai communities. The present study is an attempt to study the prevalence of poverty among the hulas in the Nilgiris district. A detailed Interview schedule was prepared containing questions on the socioeconomic and demographic features of the tribals; their health details, political and general awareness. The data were collected from the selected households In the month of October of 2008. The study brings out the widespread poverty, illiteracy, malnutrition, amongst the primitive tribal communities in the Nilgiris district.
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    Awarness of Trbal Developmental Progarmmes
    (2011) Ambiga Devi, P
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    The Challenges of Technical Infrasturture in E Banking
    (2011) Ambiga Devi, P
    The internet is transforming the banking and financial industi^ in terms of the nature of core products and services and the way these are packaged, proposed, delivered and consumed (Sathye, 1999). This technological change has impacted many industries but one of the most impacted is the banking industry. To face the new challenge from competition, it is essential that banks have to be more efficient and that they have to explore new distribution channel which is less costly compared to the traditional brick and mortar bank. The current paper is an attempt to perceive the customers views on the adoption and non adoption of using internet banking (IB). The study found that the main hindrance in the adoption of IB is the security concerns that the consumers have. With the proper safety and security measures and educating the people on the importance of IB in its speedy delivery, IB will become the delivery channel of banking services.
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    Consumer Decision Process In The Adoption Of Mobile Banking
    (2012-04) Sivaranjani, V; Ambiga Devi, P
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    Customers' Perception of E-Banking: Factor Analysis
    (2010) Ambiga Devi, P
    Nowadays banks are working hard to attract customers and retain their market share by providing them with various innovative services through e-banking. The banks are combining nev/ electronic delivery channels almost everyday to their existing services. Bank services arc now just at the distance ot one click from the mouse. Though e-banking is getting popular and spreading very fast, in India most people do not know it and people who know about. It are reluctant to use it due to misconceptions like password hacking, privacy, security etc. The present study Investigates the level of awareness among the customers on the use cf e-banking and their expectations from e-hanking. From the findings of the study, it was inferred that the customers are satisfied with the quality of e-banking services. But they face technical as well as administrative and procedural problems. Further to promote e-banking services, it is of Importance that the banks must ensure quality in customer service. 'Quality in work'and 'satisfaction of the customers' are the tv/o key wo'-ds, which must be given sternest attention to promote a product.
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    Determinants of Agricultural Credit Constraint A Micro Level Analysis
    (2010) Ambiga Devi, P
    In India. < oinmcrcial l>Ai»k.s. ct>-o|>craliv«* and /CjraJ Lanks wf/i* l)je condnii for providing agficidlurr (r^^lil- l lmugh ihr U>laJ agrirnUnral rrcdii of institutional agt‘Mcirs liad inrre.tsci} fmm }{.s HHS) rrotr in 1‘J70-1971 to crorr in 2yO'L'200.S. Idl iIm: year iOO.LiOO'l, the private' wtlor ami pul>Ii( MrClor (.onimcrcial banks dit/ tiol iudiieve the* larg<’t lending (18 percent net bank, cretilt) lo ibe agri«uUufal s<‘Ctor fixed fty the Uc^ervp Hank of Imiia. Arounrt 60 jMrrcent of tfic worhiny' ^■apila} of tlnr farnters WHM not nnanccn agriciitlural sector in a (fiseipiifibrimu tnarket condition are v«:ry ltinitc
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    Determinants of Credit Allocation in Aricultural Sector in Coimbatore District
    (2012) Ambiga Devi, P; Gandhimathi, S
    The diversification of a large fraction of bank credit from the traditional sector to the priority sector is a remarkable feature of credit deployment In the post nationalization era. Due to various policy measures of the government the priority sector lending had increased considerably. The priority sector lending witnessed a growth of 18 per cent in 2010-11 over the year 2009-2010. However, the growth of agricultural advances decelerated to 9 per cent in 2010-11 as compared with the growth of 23 per cent in 2009- 2010. In 2010-11, at the aggreg(^te level, banks have lent more than 40 per cent of their Adjusted Net Bank Credit to priority sectors. The sub-target prescribed for agricuiture at 18 per cent of Adjusted Net Bank Credit was also achieved by banks in 2010- ll(Report on trend and progress of banking, 2011). The bank-wise data on priority sector advances as per cent ofANBC, ho wever, indicated that seven out of 26 public sector banks were not able to meet the priority sector lending target of 40 per cent of ANBC in 2010^ 11. Further, it is a concern that 18 out of 26 public sector banks could not meet the target set for agricultural advances in 2010-11. Among the private sector banks, only one bank could not meet the priority sector lending target'in 2010- 11. However, ten private sector banks did not meet the target set for agricultural advances in 2010-11. Foreign banks have a slightly different norm for priority sector lending as the target for them is set at 32 per cent ofANBC. Further, export credit is a part of priority sector lending of foreign banks. In 2010-11, at the aggregate level, foreign banks achieved the target of priority sector lending. However, at the bank-level, nfpw banks cniPH not meet the priority sector lending cent os compared with the industry average of 22 per cent in 2010-11 (Report on trend and progress of banking, 2011). In this backdrop, an attempt was made to identify the factors determining credit allocation in agricultural sector in Coimbatore district. The factor analysis shows that,among the ten variables, only the number of marginal farmers, the number of agricultural labourers, the number of large formers and the total area under cultivation could be selected to. represent the respective factor components. The Bankers must consider the above four factors in credit allocation to the blocks. Among these factors, only the variables such as the number of large farmers was statistically significant to influence credit allocation among blocks.
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    Determinants of Demand for Credit in Agriculture
    (2014) Ambiga Devi, P
    The present three-tier system o f co-operative institutional structure for short and r r -a um tem loans and a separate co-operative institutional set up for long term loan came to be permanently estabUsh.ec ;n the late thirties. But the co-operatives could not meet even one-tenth o f the credit needed by the farmers in 1951-52 cs estimated by All India Rural Credit Survey Committee (195152). This led to the intensification o f the co-operatives' credit activities during the hrst three five year plans. Despite intensive efforts, the institutional sources met only 18.70 per cent (co-operatives 15.5 per cent) o f credit needs o f farmers in 1961 62. In 1969, the government made a significant shift away from a single agetrcy approach to the multi-agency approach invcTrng commercial banks on a large scale iri the provision of institutional agricultural credit. Commercial banks, which were foilo'wing urban 'entered lending ) policy, were to involve in the process o f rural developmerU through their lending to the priority sector. A mandate to this effect was given by the nationalization of 14 major commercial banks in July 1969 and another six banks in April 1980. Subsequently, the regional rural banks were established in 1975 to focus special attention on the marginal and small farmers, agricultural labourers and rural artisans. Further the National Bank for Agriculture and Rural Development (NA8ARD) v/as set up in 1982 to refinance all institutional agencies such as commercial banks. Regional Rural Banks and co-operative banks. To strengthen the existing rural credit delivery system, the Service Area Approach (SAA) to rural lending was accepted as the National Policy in 1989. The kisan credit card system was introduced in 1997tomcrea'sethe flow of agricultural credit to the farmers. Due to the above policy measures, the institutional credit had increased considerably. The formal sector consisting ofco-operdth/es, commercial banks and the Regional Rural Banks is the main conduit fdr providing agricultural credit. Td conclude, higher amount of croploandemand was noticed for small farmers. The marginal farmers had demanded for higher amount o f investment Idan. Hence the size oflatid holding had negative relationship with the demand for credit. The higher the size of land had reduced the demand credit.
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    Determinants of Demand for Money (Mi) using Cointegration Approach
    (2016) Ambiga Devi, P
    Estimating the demand for money in an economy and understanding its relationship with various macroeconomic variables is an essential element in the planning of the issue and , distribution of currency (Nachane et ai, 2013). The penetration of several innovative instruments in the financial sector has changed the behavior and relationship of demand for money. Understanding the significance of estimating money demand function in this evolving financial innovation era, this paper attempts to analyze the major determinants of demand for money via Mi for India for the period 2005-06 to 2014-15. The demand for Ml was estimated applying the Johansen's Cointegration Technique and the estimated results revealed that there existed long run relationship among the explanatory variables of the function, with specific reference to debit cards that form the major substitute for cash in the country. The findings suggests that the financial innovations in the banking sector have influenced the demand for money, specifically Mi, indicating that the transaction demand for money in India is influenced by the innovations.
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    Determinants of Migration and Remittance Behaviour
    (2008-04) Anitha, N; Ambiga Devi, P
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    Determinats of Borrwing Behaviour of Farmers
    (2012) Ambiga Devi, P
    Agriculture contributed 19 percent of gross domestic product in India. Agricultural credit is the major input in agriculture (Economic Survey, 2009). There is a strong relationship between agricultural credit and agricultural production. Many of the studies had established this relationship (Feder et al, 1990, Foldz,2004). The Reserve Bank of India fixed a target lending of 18 percent net bank credit to the agricultural sector (Report on trend and progress of banking, 2009). The Approach Paper to the Eleventh Five Year Plan has set a target of 4 per cent for the agriculture sector within the overall GDP growth target of 9 per cent. In this context, the need for affordable, sufficient and timely supply of institutional credit to agriculture has assumed critical importance. In India a multi-agency approach comprising co-operative banks, scheduled commercial banks and RRBs has been followed for purveying credit to agricultural sector. The policy of agricultural credit is guided mainly by the considerations of ensuring adequate and timely availability of credit at reasonable rates through the expansion of institutional framework, its outreach and scale as also by way of directed lending. The demand for agricultural credit arises due to i) lack of simultaneity between the realisation of income and act of expenditure; ii) lumpiness of investment in fixed capital formation; and Hi) stochastic surges in capital needs and saving that accompany technological innovations. Credit, as one of the critical non-land inputs, has two-dimensions from the viewpoint of its contribution to the augmentation of agricultural growth viz., availability of credit (the quantum) and the distribution of credit. In backdrop, an attempt was made to identify the determinants of borrowing behaviour of farmers. To conclude, the per borrower crop loan was higher for the medium farmers and lower for the marginal farmers. It was found that there was positive relationship between the amount of loan and farm size except for the semi-medium and large farmers. The amount of Per borrower investment loan was found to be highest for large farmers. The estimated borrowing function explained 67 percent of the variations in the amount borrowed in terms of the socio-economic characteristics of the farmers. Of the variables taken into account, only the land size emerged as significant variable in explaining the variations in the borrowing behavior in the study area.