http://202.88.229.59:8080/xmlui/handle/123456789/2151 Tue, 14 Apr 2026 23:45:23 GMT 2026-04-14T23:45:23Z http://localhost:80/jspui/retrieve/14caa641-d1f5-470d-b2d9-cb2cc351efa9/IMG_6683.JPG http://202.88.229.59:8080/xmlui/handle/123456789/2151 http://202.88.229.59:8080/xmlui/handle/123456789/2558 Title: MSME FINANCING - FACTORS AFFECTING PROCUREMENT OF FINANCE - A STUDY WITH SPECIAL REFERENCE TO KOTTAYAM DISTRICT Authors: Asst.Prof.Preetha Thomas Abstract: Micro, small and medium enterprises enjoy a distinct position in the socio- economic development of any nation; particularly a developing nation like India. In order to protect, support and promote micro, small and medium enterprises and to help them in availing finance, a number of protective and promotional measures have been undertaken. Inspite of all the impetus given the MSME sector is still limping its way into the economy. This study aims at analysing the various modes of MSME financing and the reach it gets in a district like Kottayam in Kerala. It considers if factors such as the educational qualification of the owner/ manager and size of the firm has any association on the procurement of MSME financing. The study concluded that educated entrepreneurs are more open to availing financing from MSME financing sources rather than traditional sources. Also, Small and medium entrepreneurs depend on government financing for MSME operations rather than micro units. Sat, 01 Jun 2019 00:00:00 GMT http://202.88.229.59:8080/xmlui/handle/123456789/2558 2019-06-01T00:00:00Z http://202.88.229.59:8080/xmlui/handle/123456789/2557 Title: INVESTMENT PATTERN OF MIGRATED LABOUR IN KERALA- A STUDY WITH SPECIAL REFERENCE TO KOTTAYAM DISTRICT Authors: Asst.Prof.Preetha Thomas Abstract: Kerala is a state with a large number of migrant labour from different parts of the country such as Orissa, West Bengal and Bihar. It would not be wrong to say that the development of Kerala, especially at the grass root level lies in the hands of these non-Keralite labourers. Keralities both skilled and unskilled have moved to gulf countries as a result of which the migrant labourers have dominated the labour markets of Kerala not only in the field of construction and manual labour but also in the field of agriculture and industry. Despite all these, these migrant labour live in pathetic conditions. The aim of this research is to study the income levels, standard of living and investment patterns of these migrant labourers and to study if there is any dependency between level of income and investment pattern. The study concluded that the investment pattern of migrated labour is dependent on their income levels. Fri, 01 Jun 2018 00:00:00 GMT http://202.88.229.59:8080/xmlui/handle/123456789/2557 2018-06-01T00:00:00Z http://202.88.229.59:8080/xmlui/handle/123456789/2556 Title: Equity Linked Savings Scheme: A Study on the Effect of Demographic Factors of Gender and Age on Investment Decisionswith Special Reference to Kottayam District. Authors: Asst.Prof.Preetha Thomas Abstract: An average Indian investor is risk averse and not willing to think beyond the traditional investments avenues such as fixed deposits, property, gold etc. Thefinancial markets in the country has grown by leaps and bounds in the last few yearsand has witnessed the introduction of a large number of innovative investment options with varied risk and return profilesto suit the requirement of different classes of investors. Prominent among them is the Equity Linked Savings Schemethat offers to the investor among other things tax savings under Section 80C of the Income Tax Act. Despite the numerous advantages and benefits of investing in ELSS, the volume of investment seems low. This study was carried out to find out investor perception towards ELSS and whether investment in ELSS was influenced by demographic factors such as gender and age. The study concluded that males are more open to investing in ELSS than females and youngsters invest more in ELSS than elders. .The study has also come up with a conclusion regarding the reason forthe above which are as follows: Majority of the females were found to be risk averse while the males were risk lovers and youngsters were more aware of the benefits of ELSS than elders. Fri, 01 Jun 2018 00:00:00 GMT http://202.88.229.59:8080/xmlui/handle/123456789/2556 2018-06-01T00:00:00Z