Online Thesis Search Results

Title
CERTIFICATE
DECLARATION
CONTENTS
ACKNOWLEDGEMENT
List of Tables
List of Diagrams, Graphs and Charts
List of Abbreviations
I. The Importance of Finance and Credit in the Economy
1.1 Nature and Scope of Business
1.2 Kinds of Business
1.3 Public Finance vs. Business Finance
1.4 Meaning of Finance
1.5 Factors Influencing the Choice of Finance
1.5.1 Flexibility
1.5.2 Accessibility
1.5.3 Control
1.5.4 Need for Finance
1.5.5 Kinds of finance
1.5.6 Supply of Finance
1.5.7 Sources of Capital Funds
1.6 Credit and its Instruments
1.7 Importance of Borrowings
1.7.1 Meaning of Money Market
1.7.2 Characteristics of lndian Money Market
1.7.3 Characteristics of Unorganised Money Market
1.7.4 Meaning of Indigenous Financial Agencies
1.7.5 Differences between indigenous financial agencies andorganised financial institutions
II. Property Finance
2.1 Introduction
2.1.1 The Structure of the Investment Market
2.2 Financial Structures
2.3 The Finance Function
2.3.1 Types of Funds
II.1 Cash flow
2.3.2 Equity Funds
2.3.3 Creditor Capital
2.3.4 Mortgage Loans
2.3.5 Mortgage Varieties
2.3.6 Blanket Mortgage
2.3.7 Package Mortgage
2.3.8 Transactions Involving Mortgaged Property
2.4 Other Financing Forms
2.4.1 Land Contracts
2.4.2 Leases
2.4.3 Net Leases
2.4.4 Long-Term Leases
2.4.5 Sale and Leaseback
2.4.6 Leases as Collateral
2.4.7 Short-Term Financing
2.4.8 Construction Loans
2.4.9 Gap Financing
2.5 Term Loans
2.6 The Flow of Funds
2.6.1 The Role of Personal Savings
2.6.2 Sources of Property Finance
2.7 Property Companies
2.7.1 Funding of property development by property companies
III. Review of the Kerala Economy
3.1 The State of Kerala
3.2 Economic Aspects in Larger Perspective
3.2.1 (a) The State Domestic Product
III.1. State-wise growth of Net State Domestic Product 1980-81 to 1997-98
3.2.2 (b) Remittance Incomes and State Domestic Product
3.2.3 Agricultural Performance in Kerala
3.2.4 Cropping Pattern
3.2.5 Agricultural Income
III.2. Growth of Agricultural Income in Kerala from 1993-94 to 2000-01
III.3. Land use pattern in Kerala during 1998-99 and 1999-00
3.2.6 Land Use
III.1. Land use pattern (1999-2000)
3.3 Crop-wise Analysis
3.3.1 Rice
III.4. Area, Production and Productivity of Rice in Kerala and India
III.2. Area, production and productivity of Rice in Kerala
3.3.2 Coconut
III.5. Area, Production and Productivity of Coconut in Kerala and India
III.3. Area, production and productivity of coconut in Kerala
3.3.3 Pepper
3.3.4 Cashew
III.6. Area, Production and Productivity of Pepper in Kerala and India
III.7. Area, Production and Productivity of Cashew in Kerala and India
III.4. Area under cashew in Kerala and India
3.3.5 Plantation Crops
3.3.6 Rubber
III.8. Price trend of rubber during 2000-01
3.3.7 Coffee
III.5. Price movement of natural rubber (RSS 4) in Kerala
3.3.8 Tea
3.4 Current Problems of Agriculture in Kerala
3.4.1 Low Profitability
3.4.2 Shortage of Farm Labourers
III.9. Index Number of prices Received and prices paid by farmers 1986 to 2000
3.4.3 Conversion of Agricultural Land for other uses
3.4.4 Abnormal Increase in Land Prices
3.5 Keralas Industrial Backwardness
3.5.1 The Evolving Industrial Structure in Kerala, Historical Perspective
3.5.2 The Nature of Industrial Entrepreneurship
3.5.3 Structure of Manufacturing
3.6 Tertiary Sector in the Kerala Economy
3.7 Economic Recession
IV Review of Literature
Studies on Institutional Credit in Kerala
Indigenous Financial Agencies
Housing Finance
V. Research Design
5.1 Increasing Use of Land for Non-Agricultural Purpose
V.1. Density of Population in Kerala 1951 to 2001 (District-wise)
V.1. Increase in Density of population in Kerala 1951-2001
5.2 Statement of the Problem
5.3 Selective Crlteria
V.2. District-wise sectoral distribution of NDP at factor cost
V.3. Classification of Districts based on contribution of Tertiary sector to NDP
V.4. Kottayam District at a glance
V.5. Idukki District at a glance
V.6. Ernakulam District at a glance
5.4 Objectives
5.5 Hypotheses
5.6 Methodology and Data Base
5.7 Thrust Areas of the study
5.8 Selection of the sample
5.9 Analysis of Data
5.10 Limitations
VI. Financial Scenario in Kerala and the Real Estate Sector
6.1 Financial Institutions in lndia
6.3 Credit and Finance in Kerala
6.4 Bank Finance In Kerala
VI.1. Keralas Banking Statistics as on 31 March 2001
6.5 Credit and Credit Deposit Ratio
VI.2. Deposits, Credit and Credit-Deposit Ratios of Public Sector Banks
VI.3. Details of Agency-wise Broad Sector-wise Flow of Ground Level Credit (GLC)
VI.4. District-wise / Sector-wise PLP Projections / SAP targets / GLC (SAP) achievements during the year 1997-98 to 2001-2002
6.7 Agricultural Finance
VI.5. Operations of Kerala State Co-operative Bank Ltd.
VI.6. Purpose-wise outstanding loans in the Kerala State Co-operative Bank Ltd. as on 31st March 1996 to 2000
VI.7. Selected indicators of the Credit operations of the Primary Agricultural Credit societies
VI.8. Annual Long Term Loan Disbursement and Debentures Floated by Kerala State Co-operative Agricultural Rural Development Bank.
VI.9. Purpose-wise classification of Long Term Loans issued by Primary Co-operative Agriculture & Rural Development Banks
VI.10. Annual Credit flow to agriculture and total priority sector in Kerala during 1997-98 to 1999-2000
VI.11. Flow of credit to priority sector and Agriculture as a proportion of credit and deposit (in percentage)
6.8 Estimated Demand
VI.12. Estimated Demand for Houses by 2007-08
VI.13. Houses constructed by major government Agencies in Kerala (1991-2000)
VI.14. Houses assisted and Repaired by Local Bodies
VI.15. Assistance to House Construction by Different Agencies / Government Departments in Kerala (1997-2000)
VI.16. Category-wise assistance by Kerala State Co-operative Housing Federation
6.9 Private Financing Firms in Kerala
VII. Credit and Housing Finance - The Kerala Experience
7.1 The field of housing finance
7.2 Housing Loan
7.2.1 Amount of Housing Loan
7.2.2 Purpose of Housing Loans
7.2.3 Term of Housing Loans
7.2.4 Rate of Interest
VII.1. Rates of Interest (September 2002)
7.2.5 Amount of Equated Monthly Instalment (EMI)
VII.2. EMI for a loan of Rs. 1, 00,000 for different Interest Rates
7.2.6 Nature of the Rate of Interest
7.2.7 Nature of Additional Charges Imposed (as a percentage of the loan amount)
7.3 Applying for the Loan
7.3.1 Different stages in the Granting of the Loan
7.3.2 Security
7.3.3 Documents to be Submitted
7.4 Housing Finance: The Demand Side
VII.3. Classification of Borrowers according to age
VII.1. Distribution of respondents on the basis of age
VII.4. Classification of borrowers according to their family size
VII.2. Distribution of respondents on the basis of family size
VII.5. Classification of borrowers according to their gross Annual Income
VII.3. Distribution of respondents on the basis of gross annual income
VII.6. Classification of borrowers on the basis of their main source of income
VII.4. Distribution of respondents on the basis of their main sources of income
VII.7. Major sources of the margin money
VII.8. Classification of borrowers on the basis of the loan period
VII.5. Distribution of respondents on the basis of the percentage of loans
VII.9. Classification of borrowers on the basis of Fixed rate or Floating rate
VII.10. Floating rates offered by 17 major HFIs with EMI and effective rate
VII.11. Fixed rates offered by 16 major HFIs with EMI and effective rates
7.5 Classification of the Borrowers According to the Housing Finance Institutions
VII.12. Classification of borrowers according to HFIs
VII.6. Classification of borrowers according to HFIs
7.6 Housing Finance -The Supply Side
7.6.1 Falling Interest Rates in the Home Loan Sector
VII.7. Sliding interest rates for housing loans
7.6.2 Leading Players in the Housing Finance Market
7.6.3 HDFC
VII.13. Financial Highlights of HDFC
7.6.4 lClCl Home Finance
7.6.5 State Bank of lndia
7.7 Non-Credit factors
7.7.1 Exorbitant Stamp Duty and Registration charges
7.7.2 Tax incentives for property finance
7.7.3 Interest on Borrowed Capital
VII.14. Tax advantages of availing a housing loan: An illustration
VII.15. Impact of Tax Savings on Rates of Borrowings for Different Levels of Borrowings
7.7.5 Rent Laws are Unfriendly to the Investors
7.8 Findings and Recommendations
7.9 Findings of the Study
7.9.1 Increasing Use of Land for Non-Agricultural Purposes
7.9.2 Speculations in Real Estate have led to Asset Creation
7.9.3 Rise in the Physical Quality of Life
7.9.4 Promotion of Real Estate Leading to Promotion of Tourism
7.9.5 Demonstration Effect of Investment in Housing
7.9.6 Direct Taxes have provided incentives for development
7.9.7 Fixed vs Floating Rates of Interest
7.9.8 HFls Preference for Regular Income Earners
7.9.9 Non-Credit Factors as Impediments
7.9.10 Exorbitant Rates of Stamp duties
7.9.11 Major Players in the Housing Finance Market
7.10 Recommendations
BIBILIOGRAPHY
APPENDICES
APPENDIX - l. Interview schedule for respondents who have availed housing loans
APPENDIX - II. The Kerala Buildings Lease Bill, 2002