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The IUP Journal of Agricultural Economics

January'11
Focus

This issue includes five papers on diverse topics, such as diversification in the cropping pattern, resource use efficiency of dryland cultivators, price behavior of cocoon and raw silk, role of dairy cooperatives in women empowerment, and access to household amenities of the public.

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Cropping Pattern Diversification Across Assam: Variations and Causes
Resource Use Efficiency of Dryland Ragi Cultivators in DPAP-Watershed and Non-Watershed Areas: A Comparative Analysis
A Study on the Price Behavior of Cocoon and Raw Silk in Tamil Nadu
The Role of Dairy Cooperatives in Women Empowerment
Houses, Household Amenities and Living Standard in Nagaland
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Cropping Pattern Diversification Across Assam: Variations and Causes

-- Raju Mandal

Diversification of crops may prove to be an important source of augmenting agricultural growth in India, when the scope for area expansion and technological breakthrough (at least in the near future) has become largely limited. Diversification into crops as well as seasons has a special significance in the state of Assam with a view to providing a boost to agricultural production and reducing its instability, mostly caused by floods every year. The paper examines the nature of cropping pattern and extent of crop diversification in the plain districts of Assam. It investigates the possible influences of irrigation, agricultural workforce, average size of landholdings and flood on the choice of cropping pattern, and level of crop diversification in the said areas. A multiple linear regression model has been used after conducting a logit transformation of the diversification index. The study reveals that irrigation through shallow tube wells and the availability of agricultural workforce have positive and significant role in the diversification of crops in Assam. However, flood proneness limits the same by restricting the cropping season, thereby forcing the farmers to confine to staple crops rather than diversifying into high value crops.

Article Price : Rs.50

Resource Use Efficiency of Dryland Ragi Cultivators in DPAP-Watershed and Non-Watershed Areas: A Comparative Analysis

-- Sangameshwara Kademani B K

This paper focuses on access to resources and resource use efficiency and productivity of ragi cultivators in the Drought-Prone Area Program (DPAP)-watershed and non-watershed areas in Chitradurga District of Karnataka. The results reveal that the production elasticity of expenditure on seed, Farmyard Manure (FYM), chemical fertilizer, human labor and bullock labor is higher in the DPAP-watershed areas than in non-watershed areas. The gross return of ragi cultivators in the DPAP-watershed areas is comparatively higher than those in the non-watershed areas. The geometric mean level of gross return is higher in the case of beneficiaries (4,295.61) as compared to the non-beneficiaries (3,867.86). The gross return of the beneficiaries through the technical efficiency is 6.06% higher than that of non-beneficiaries. The ratios of value of marginal product to marginal fixed cost of seed, FYM, chemical fertilizer, human labor and bullock labor are higher in the DPAP-watershed areas than in the non-watershed areas.

Article Price : Rs.50

A Study on the Price Behavior of Cocoon and Raw Silk in Tamil Nadu

-- A Selvaraj and K R Vijaysanthi

The success of sericulture industry is mainly based on proper and highly efficient marketing which assures good prices to the farmers. Efficient marketing helps in minimizing wide fluctuations in cocoon prices. It is found that fluctuations are due to variations in cocoon quality, absence of quality control, intervention of middlemen and poor marketing facilities. The prices paid to the cocoons continue to hover around within a narrow range, despite the award of prices to different grades of cocoons through bidding in an open auction. Women are preferred because of their nature, patience and hard work and hence they are employed in mulberry garden or silkworm rearing in a grainage or weaving center, etc. However, their work has not always been recognized or rewarded. Though sericulture is lucrative by nature, it faces various problems in aspects of cultivation and marketing. The problems faced by sericulturists mainly relate to insufficient financial support from government agencies, climatic hazards, wide fluctuations in cocoon prices and also, to some extent, inadequacy of extension services. This study reveals problems like rearing sheds, lack of awareness, low literacy level, poor infrastructure, etc. The availability of cocoon throughout the year can ensure the extension agency and the rearer of regular buyers in the market a better price. The better price received by the silk worm farmers is the major reason for the high profitability of the enterprise. On the basis of the findings of the present study, various recommendations have been offered. If these recommendations are followed properly, it will pave the way for increased production of mulberry cocoons, leading to an increase in foreign exchange earnings, besides giving a larger employment opportunity to the farm families, silk yarn reeling silk weavers and the like in the silk industry.

Article Price : Rs.50

The Role of Dairy Cooperatives in Women Empowerment

-- Jigna Trivedi, P K Priyan and Vinay Bhinde

People of rural India face a lot of hardships to earn livelihood. A majority of them are engaged in agriculture, animal husbandry and other ancillary activities. Income from agricultural activity has been as erratic as the monsoon. Hence, rural people are forced to think of generating additional revenues. Since these people are less literate and posses limited skills, the hunt for alternate source of income is constrained to a few occupations. A majority of them choose rearing of milch cattle and selling the milk as a source of secondary income. Cattle rearing is a diversification from existing agricultural activity. Largely, rural women are engaged in this activity. These rural women, besides doing hard household chores, also undertake the taxing job of cattle rearing. They supply the milk to the well-established district cooperative dairies working successfully on the Anand model. The present paper is an effort to study the role of district cooperative dairies in helping the women to be self-reliant, self-employed, self-diligent, and empowered.

Article Price : Rs.50

Houses, Household Amenities and Living Standard in Nagaland

-- Sanjoy Das

The present study examines the status of availability of the type of houses and some important household amenities in Nagaland. The study also undertakes a comparative analysis of various issues with respect to the country as a whole, for a better understanding of the problems. The study shows that only 16.3% of total households in Nagaland have permanent houses, while almost one-third of total households has temporary houses, based on the Census 2001 data. Among the rural households in Nagaland, only 9.4% have permanent houses. However, as per the latest report of National Family Health Survey (2005-06), 20.6% of total households in the state have permanent houses. As far as, the availability of electricity, toilet and bathroom facilities is concerned, the state showed an impressive performance relative to the country, whereas the position of the state with regard to the availability of drinking water and LPG connection was not good relative to that of the country. Overall, in the case of rural households, the access to most of the basic amenities was extensively limited in comparison to the urban households.

Article Price : Rs.50
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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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Agricultural Economics