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The IUP Journal of Soil and Water Sciences
Focus

Indian agriculture is highly dependent on monsoon rains and its vagaries still play havoc with it. The agriculture year starts on June 1 and ends with May 31 of the next calendar year. In between it has two cropping seasons: One, Khariffcrops grown under summer monsoon and harvested in autumn or early winter; and, two, Rabicrops grown in post-monsoon season (October-November) and harvested in the early spring. The rabi crops are grown under the stored soil moisture that has been provided by summer monsoon rains. In other words, heavy precipitation under summer monsoon has an impact on crop production in the rabi season.

Against this backdrop, the authors B Preethi and J V Revadekar , of the first paper, "Impact of Summer Monsoon Precipitation on Winter Crop Yields Across India", have made an attempt to analyze the impact of the frequencies of moderate to heavy precipitation events under summer monsoon on the crop yields in rabi season. The study revealed that the crop yield during rabi season is strongly correlated with the variation in frequencies of various fixed threshold values of rainfall during summer monsoonexcess rain resulting in high yields, while drought in summer monsoon period resulting in reduced yields. However, spatial coverage varied from threshold to thresholdwith increased threshold value of rainfall, regions with positive correlation coefficients had decreased. More than the total precipitation during summer monsoon, it is the number of rainy days that had positively impacted the crop yieldsyield precipitation response curves have shown increased yield with increased frequency of rainfall. As the authors opined, the scope of the study, however, needs to be widened by taking all the weather and non-weather parameters that are known to impact crop yields for a reliable prediction of rabi yields.

In the next paper, "Soil Fertility and Plant Diversity in Sabal Forest Reserve, Borneo", Hashim N R studied the impact of anthropogenic disturbances on the soil fertility status along with composition of plant species in two different forest types in Borneo. The study revealed severe habitat degradation due to prior land use in the forest reserve. In terms of plant abundance and richness, the `logged-over' forest zones were dominated by small trees, whereas the understorey was composed of dense ferns and sedges. The author is, therefore, of the opinion that to encourage species richness and abundance in the tree plantations, authorities associated with forest management must take note of the high susceptibility soils to anthropogenic disturbances.

As nitrogenous fertilizers are subjected to several transformation losses in the rice ecosystem, `Nitrogen Use Efficiency (NUE)' continues to attract the attention of soil scientists. Against this backdrop, the authors, M Z Hussain, Shakeel A Khan, and T M Thiyagarajan, of the next paper, "Increasing Nitrogen Use Efficiency in Rice (Oryza sativa L.) with Chlorophyll Meter and Leaf Color Chart", have conducted field experiments during 1998-99 to arrive at an efficient N management system based on the leaf N status of rice plant using two cultivarsADT 36 and ASD 19. The findings revealed that application of N based on chlorophyll measurement using SPAD meter at 14 days interval or at the critical growth stages of active tillering, panicle initiation, and 10 days after panicle initiation would save 40-50% of N as compared to blanket recommendations. However, taking into consideration the cost of chlorophyll meters (SPAD meter), the authors suggest usage of Leaf Color Chart (LCC) by small farmers, though not as efficient as SPAD meter. The study also reveals that application of polymer coated N fertilizer saves 40% of N fertilizer vis-à-vis the blanket recommendation.

The authors, Amarjeet, S S Punia and Ashok Yadav, of the paper "Residual Phytotoxicity of Chlorsulfuron Applied in Wheat (Triticum aestivum L.) on Succeeding Crop of Maize (Zea mays L.)", have evaluated the phytotoxic effect of chlorsulfuron applied to control weeds in wheat crop under different irrigation schedules, on the subsequently grown maize crop. Based on their findings, the authors opine that chlorsulfuron @ 20-30 g ha_1 satisfactorily controlled weeds in wheat crop, but it is not advisable to grow maize following wheat in the fields where chlorsulfuron is applied.

In the next paper, "Rainwater Harvesting and Management Technology for New Livelihood of Submontane N-W Tract Zone Farmers of India", the authors, M S Hadda and Sanjay Arora, described various economically viable and easily adaptable rainwater harvesting techniquescost of preparation, size and capacity of water harvesting tanks, water loss, lining material usage, water productivity and the diversified uses of stored waterthat are well-suited for farmers of N-W zone of India, where precipitation rate varies from 850-1,100 mm and yet faces scarcity of water during winter season. It also discusses about the future strategies for adoption in the zone.

The last paper, "Sediment Observation in River Basins: A Case Study", by B K Purandara and A V Shivapur, presents the findings of the study carried out on sedimentation process in the river Pamba, which reveals that the sediments in the river are mainly transported as graded suspension, more by the bottom turbulence.

-- GRK Murty
Consulting Editor

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Automated Teller Machines (ATMs): The Changing Face of Banking in India

Bank Management
Information and communication technology has changed the way in which banks provide services to its customers. These days the customers are able to perform their routine banking transactions without even entering the bank premises. ATM is one such development in recent years, which provides remote banking services all over the world, including India. This paper analyzes the development of this self-service banking in India based on the secondary data.

The Information and Communication Technology (ICT) is playing a very important role in the progress and advancement in almost all walks of life. The deregulated environment has provided an opportunity to restructure the means and methods of delivery of services in many areas, including the banking sector. The ICT has been a focused issue in the past two decades in Indian banking. In fact, ICTs are enabling the banks to change the way in which they are functioning. Improved customer service has become very important for the very survival and growth of banking sector in the reforms era. The technological advancements, deregulations, and intense competition due to the entry of private sector and foreign banks have altered the face of banking from one of mere intermediation to one of provider of quick, efficient and customer-friendly services. With the introduction and adoption of ICT in the banking sector, the customers are fast moving away from the traditional branch banking system to the convenient and comfort of virtual banking. The most important virtual banking services are phone banking, mobile banking, Internet banking and ATM banking. These electronic channels have enhanced the delivery of banking services accurately and efficiently to the customers. The ATMs are an important part of a bank’s alternative channel to reach the customers, to showcase products and services and to create brand awareness. This is reflected in the increase in the number of ATMs all over the world. ATM is one of the most widely used remote banking services all over the world, including India. This paper analyzes the growth of ATMs of different bank groups in India.
International Scenario

If ATMs are largely available over geographically dispersed areas, the benefit from using an ATM will increase as customers will be able to access their bank accounts from any geographic location. This would imply that the value of an ATM network increases with the number of available ATM locations, and the value of a bank network to a customer will be determined in part by the final network size of the banking system. The statistical information on the growth of branches and ATM network in select countries.

Indian Scenario

The financial services industry in India has witnessed a phenomenal growth, diversification and specialization since the initiation of financial sector reforms in 1991. Greater customer orientation is the only way to retain customer loyalty and withstand competition in the liberalized world. In a market-driven strategy of development, customer preference is of paramount importance in any economy. Gone are the days when customers used to come to the doorsteps of banks. Now the banks are required to chase the customers; only those banks which are customercentric and extremely focused on the needs of their clients can succeed in their business today.

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Soil and Water Sciences