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CHAPTER – I INTRODUCTION AND RESEARCH DESIGN 1.1. Introduction Fishing has been a traditional occupation of a large section of the people who are residing at the seacoast all over the world. Until the turn of the last century, not much attention was paid to exploit the wealth from the sea. Human race has been depending largely on land resources for their welfare and survival. The land resources are rapidly getting depleted and it is believed that within the coming 25-30 years many raw materials that are at present obtained from land will be in short supply. 1 Therefore, attention has been drawn towards the ocean which covers 71 per cent of the earth. The sea is not only a storehouse of water but also contains enormous resources such as food, energy, minerals, petroleum etc. The sea as a biological environment is the source of food and other valuable products to the people. With increasing population and with the progress of human society, the dependence of man on sea for food has been increasing steadily. Fishery is concerned with economic exploitation of aquatic productivity. It means the capture and processing of (sea, coastal and inland) aquatic animals and plants as an occupation for profit. Fishery includes not only the business of 1 Qasim, S.Z., Diving Deep into Ocean, Yojana, 15 August, 1989, p.20.
Transcript
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CHAPTER – I

INTRODUCTION AND RESEARCH DESIGN

1.1. Introduction

Fishing has been a traditional occupation of a large section of the people

who are residing at the seacoast all over the world. Until the turn of the last

century, not much attention was paid to exploit the wealth from the sea. Human

race has been depending largely on land resources for their welfare and survival.

The land resources are rapidly getting depleted and it is believed that within the

coming 25-30 years many raw materials that are at present obtained from land will

be in short supply.1 Therefore, attention has been drawn towards the ocean which

covers 71 per cent of the earth.

The sea is not only a storehouse of water but also contains enormous

resources such as food, energy, minerals, petroleum etc. The sea as a biological

environment is the source of food and other valuable products to the people. With

increasing population and with the progress of human society, the dependence of

man on sea for food has been increasing steadily.

Fishery is concerned with economic exploitation of aquatic productivity. It

means the capture and processing of (sea, coastal and inland) aquatic animals and

plants as an occupation for profit. Fishery includes not only the business of

1 Qasim, S.Z., Diving Deep into Ocean, Yojana, 15 August, 1989, p.20.

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catching fish in the ordinary sense but also taking of shell fish and other resources

of the sea and inland waters. The important fishing grounds are found within a few

hundred miles of the coast. They lie partly on the shore-belt of shallow water

which covers the continental shelf or the submerged platform surrounding the

continents. Others are located in the elevated parts of the sea floor at some

distance from the shore. Almost all the important fishing areas are confined to the

temperate zone which may be due to the warmth of the tropical water which

favours the growth of innumerable kinds of fish. The tropical regions of the

Atlantic, Pacific and the Indian Ocean hold out great promise for fisheries.

The fisheries sector in India has been recognized as a powerful generator of

income and employment. India has emerged as the second harvester of Inland fish

in the world with the inland fish production of 2.2 million tonnes and marine fish

production of 2.7 million tonnes. India is the eight largest harvester of fish in the

world. The annual average growth rate of the sector from 1984-1985 to 1995-1996

is 5.4 per cent.2 But during 2007, the annual average growth rate is 3.24 per cent.

India with a long coastline of 8,129 k.m., 2 million Sq. k.m. of exclusive

economic zone, and 1.2 million hectares of brackish water bodies, offers vast

potential for development of fisheries. As against the estimated fishery potential of

3.9 million tonnes the country has been able to tap 2.6 million tonnes.3

2 Market Survey, Fish - A Source of Cheap and Nutritious Food”, Facts for You, Vol.28, 1997,

p.47. 3 Rama Prasad, M.V., Facts for You, Vol.23, 2003, p.23.

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Fishes are caught from every stretch of water in India. The chief sources of

supply are the coastal margins of the seas, river-estuaries, back-waters for marine

and estuarine fish, rivers for irrigation and other animals, lakes, inundated tracts,

etc., for fresh-water fish.4

Before 1960, the markets for Indian marine products were largely shifted to

neighboring countries like Srilanka, Myanmar and Singapore. This position

continued as long-as dried items dominated exports from India. When the frozen

and canned items increasingly figured in exports, the sophisticated affluent

countries like U.S., France, Australia, Canada and Japan became important buyers.

Japan is the top importer of marine products from India.5

Fishing is the traditional occupation of a community of fishermen living

along the seacoast. Fishing and allied activities constitute an industry and have

created employment opportunities for more and more people having different

skills in different fields of fisheries. It offers a wide scope to fulfill the objective of

production-cum-employment envisaged in the development plans in India. It

provides direct employment to millions of people and indirect employment

through associate works like net making, boat making, boat repairing, fish

processing, fish trade, fish transportation etc. In this context the fisheries sector is

given high priority since it has the potential of employment generation. The

4 Gopalakumar, K., Fishery Technological Research and Extension the Central Institute of

Fisheries Technology, Indian Farming, Vol.47, 1997, p.16. 5 Rama Prasad, M.V., Facts for You, Vol.18, 1998, p.16.

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marine fish and its products have very good export potential for earning

considerable amount of foreign exchange for the nation.6

Fisheries sector occupies a very important place in the socio-economic

development of the country. It has been recognized as a powerful income and

employment generator as it stimulates growth of a number of subsidiary industries

and is a source of cheap and nutritious food besides emerging as an important item

of export trade. This sector is thus an important source of livelihood for a large

section of economically backward population of the country, particularly in the

coastal areas.7

The state of Tamilnadu has a coastal length of 1076 k.m. which constitutes

15 per cent of India’s coastal line. There are 591 fishing villages in 13 coastal

districts of Tamilnadu starting from Tiruvallur district to Kanyakumari district.

The fishermen living in these coastal fishing villages are 6.79 lakh, which includes

3.58 lakh fishermen and 3.40 lakh fisherwomen during 2007-2008. The literacy

rate is 66 per cent. About 2.70 lakh marine fishermen are actively engaged in

fishing. The marine fishermen are taking out livelihood by fishing in the

continental shelf of 41,412 Sq. Km. engaging 8,500 mechanized fishing crafts and

41,000 traditional crafts. About 3.70 lakh metric tonnes of fish are caught in

Coramandal Coast, Palk Bay, Gulf of Mannar Coast throughout the year.8

6 Selvaraj, P., Seafood Export Journal, 1989, pp.23-24.

7 Shah, K.C., Action Plan to Boost Exports of Indian Marine Products, Fishing Chimes, 38(23):

1991, pp.14-16. 8 www.sipcot.com

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1.1.1. Statement of the Problem

Fishing workers, particularly in the fishing communities are the most

disadvantaged group. They have a very low status in the society. There are about

6.79 lakhs fishermen in Tamil Nadu. Of which 2.70 lakh are productively

employed in fishing and its related activities.9 Fishing workers are actively

involved in the economic activities such as making and mending of nets, fish

processing, dry fish preparation, marketing of fresh fish, dry fish and fish handling

such as sorting, weighing, gutting, icing, etc. Their contribution to the

development of small-scale fisheries is not recognised and compensated properly

due to the social and cultural discrimination against them. They have acquired a

secondary status in social life, economic activities and decision-making. A number

of socio-economic constraints limit their work productivity and role in

employment and income generating activities. They have the potential to play an

active and sometimes dominant role in fishing related activities.

In India, not much research work has been done in the field of fisheries

economics.10

The thrust of fisheries research in India so far has been centered

around biological and technological aspects, mainly the exploitation of fishery

resources. A social and economic aspect of marine fisheries research has been

9 Department of Fisheries, Tamil Nadu Marine Fisherfolk Census, Tamil Nadu, 2000, pp.1-2.

10 Selvaraj, P., Senthilathiban, R., Sundaraj, V., Perspectives of Research-Teaching and Extension

in Fisheries Economics, Symposium of Tropical Marine Living Resources, Abstract, 1988,.

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completely ignored.11

Recently there have been some contributions through micro

level studies which specifically relating to economics of fishing methods, impact

of mechanization of craft and gear making, etc.

Thoothukudi district is one of the important maritime districts of

Tamil Nadu, the fishing workers are busily engaged in all the sea shore-based

activities like sorting, weighing, salting, drying, marketing, etc. However, their

economic activities go unnoticed. There is no scientific and extensive study on the

economic activities of fishing workers. Hence, a research is required inevitably to

weed out the exploitation of the weaker section with total illiteracy living along

the coastal line. It will throw light on their real contribution for economic

development. This will also pave the way for providing proper compensation for

their activities through suitable policy measures. The present research aims at

studying the Labour Conditions of Marine Fishing Workers in Thoothukudi

District.

1.1.2. Scope of the Study

In the present research, the investigator tries to study the labour conditions

of marine fishing workers in Thoothukudi district. The study is confined to the

socio-economic status of fishing workers. It is based on their role estimated using

the data collected during 2009-2010. The sphere of this research work is also

11

Subba Rao, N., Economics of Fisheries (A Case Study of Andhra Pradesh), Delhi: Daya

Publishing House, 1986, pp.17-20.

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extended to the analysis of economic appraisal of fishing workers. This research

also attempts to build models for estimating the income, expenditure and savings

of fishing workers and also their historical background. Finally, the study also tries

to offer constructive suggestions for evolving a firm and suitable policy for

improving the conditions of fishing workers in India.

1.1.3. Objectives of the Study

The following are the important objectives of the present research study:

1. to asses the importance of marine fisheries in Tamil Nadu and to prepare

the profile of marine fisheries in Thoothukudi district specifically;

2. to determine the extent to which socio-demographic conditions that have an

impact to promote the living status of fishing workers;

3. to analyse the per capita income and demographic functionaries of the

marine fishing workers;

4. to bring out the different sources of income and the pattern of expenditure

of fishing;

5. to elucidate the pattern of expenditure and to construct consumption

function of the marine fishing workers; and

6. to find out the problem of fishing workers and to offer suitable policy

suggestions to strengthen the labour conditions of marine fishing workers.

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1.1.4. Hypotheses of the Study

The following hypotheses have been framed based on the objectives of this

study which are subjected to testing:

1. There is no income variation among different categories of fishing workers.

2. Per capita income of the fishing workers could be improved by incurring

the number of earners in the family, level of employment and productive

assets.

3. There is no significant difference in the literacy status of heads of sample

fishing workers and their per capita income.

4. The earning members of the sample fishing workers have shown a negative

influence over the level of per capita income.

5. There is no significant relationship between consumption expenditure of

fishing workers and savings in the study area.

6. There is no significant association between the income of the marine

fishing workers and source of borrowing.

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1.2. RESEARCH DESIGN

1.2.1. Methodology

Specific objectives and hypotheses of the study as stated earlier require the

use of both primary and secondary data to verify the suitability of objectives and

to test the hypothesis of the study with reality. Methods used for the collection

and analysis of data are described with the help of statistical tools. Statistical tools

of analysis and empirical models are presented in the present study.

1.2.1.a. Period of Study

This study covers the gross section data pertaining to a period of one year

from April 2009 to March 2010.

1.2.1.b. Area of the Study

Thoothukudi district of Tamil Nadu has been taken as the area of study.

The scientific procedure of this microscopic study is so designed to bring out the

maximum result with minimum permissible outlay of time and labour. Therefore,

the researcher has selected the following 12 villages out of the 21 coastal villages

in the districts of Thoothukudi viz. Vembar, Keezhavaippar, Tharuvaikulam,

Thoothukudi North, Thoothukudi South, Punnaikayal, Singhithurai,

Veerapandianpatnam, Amalinagar, Alanthalai, Manapad and Periyathalai. The

present study area is purposely selected for two reasons. First, these villages have

a large number of fishing population, fishing workers and fishing crafts with

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fishing as the major occupation. The second reason is that the researcher is

familiar with this area and is able to get the co-operation of the officials and also

fishing workers which helped him to select 600 respondents from among 14,765

active fishing workers in the study area.

1.2.1.c. Pilot Study

The researcher had attempted several visits to Vembar, Keezhavaippar,

Tharuvaikulam, Thoothukudi North, Thoothukudi South, Punnaikayal,

Singhithurai, Veerapandianpatnam, Amalinagar, Alanthalai, Manapad and

Periyathalai coastal villages of Thoothukudi district before the inception of the

present research study. A pilot study was conducted to check whether the

interview schedule contained all necessary information. The results of the pilot

study highlighted that the fishing workers were broadly divided into vallam craft

fishing workers, mechanized boat fishing workers and fibre boat fishing workers

and thus the samples were further classified as above. The homogeneity of the

vallam craft fishing workers, mechanized boat fishing workers and fibre boat

fishing workers mark significant differences in gross income among villages and

hence the samples of these villages were pooled for the purpose of analysis.

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1.2.1.d. Sampling Design

The present research has considered Thoothukudi district as the study area

since it has the lengthiest coast of Tamil Nadu and is also strategically located in

Gulf of Mannar. In addition, fishery is the major source of employment in the

costal economy and it also consists of different types of activities in fisheries

ranging from production, marketing of fishes and dried fishes, fish processing,

exporting etc. In all these, labour conditions of marine fishing workers play an

important role.

Marine fishermen population in the coastal villages in each zone of the

district and active fishermen in the coastal villages form the universe. On the basis

of the zone in the coastal line, out of the 21 marine fishermen villages, 12 villages

have been selected for the present study. The selected marine fishermen villages

are Vembar, Keezhavaippar, Tharuvaikulam, Thoothukudi North, Thoothukudi

South, Punnaikayal, Singhithurai, Veerapandianpatnam, Amalinagar, Alanthalai,

Manapad and Periyathalai. These fishermen population of these 12 fishing villages

constitute 92.09 per cent of the total marine fisherfolk population of the district of

Thoothukudi. A major share of crafts like vallam, mechanized and fibre boats are

operated in these villages apart from the traditional non-mechanised craft. The

traditional non-mechanised craft like catamaran, catamaran with outboard engine,

hand fulling wooden vallam are not given much importance in these fishing

villages after 2004 tsunami. In the present research study the major crafts like

vallam craft (wooden and plywood) mechanized boat and fibre boat have selected.

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The motorised vallam craft mentioned in the present study is called as vallam

craft.

As far as the present study is concerned, the investigator proposed to collect

the data required by adopting stratified percentage sampling technique. The total

respondents are belonging to vallam craft fishing workers, mechanized boat

fishing workers and fiber boat fishing workers. The total active fishing workers

are 14,76512

in 12 selected villages.

Since it is very difficult and time consuming to cover the entire fishing

workers in the present study, the researcher proposed to use sampling techniques.

A sample of 4.06 per cent of the fishing workers were selected randomly from

each village in the present study. Hence, a total of 600 sample respondents were

selected. Among them 200 respondents were vallam craft fishing workers, 200

were mechanized boat fishing workers and remaining 200 were fibre boat fishing

workers. It is shown in the Table 1.1. The data collected from these sample

respondents were carefully processed, edited and tabulated for analytical purposes.

12

District Hand Book, Thoothukudi District, 2008-2009, p.38.

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Table: 1.1 - Sampling Design of the Study

Sample

Villages

Total

Active

Fishing

Workers

Sample

Fishing

Workers

Vallam

Craft

Fishing

Workers

Mechanised

Boat

Fishing

Workers

Fibre

Boat

Fishing

Workers

Alanthalai 763 31 0 0 31

Amalinagar 459 19 0 0 19

Keezhavaippar 419 17 10 0 7

Manapad 1,250 51 18 0 33

Periathalai 1,372 56 0 0 56

Punnaikayal 1,877 76 47 0 29

Singhithurai 306 12 6 0 6

Tharuvaikulam 1,121 46 36 10 0

Thoothukudi North 4,429 180 75 90 15

Thoothukudi South 1,934 79 0 79 0

Veerapandianpatnam 380 15 0 11 4

Vembar 455 18 8 10 0

Total 14,765 600 200 200 200

Source: 1. Assistant Director of Fisheries Office, Thoothukudi, 2010.

2. Field Survey.

1.2.1.e. Sources of Data

This study is based on both primary and secondary data. Analyzing the

labour conditions of marine fishing workers in the study area, primary data have

been used. An interview schedule was used to collect primary data required for the

study, while selecting the fishing workers for collecting primary data, stratified

percentage random sampling technique was used. The requires secondary data

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have been used for analyzing the growth of fish production and employment

potential of fisheries in India, Tamil Nadu and Thoothukudi district from various

published and unpublished literature.

1.2.1.f. Collection of Data

This study is based on both primary and secondary data. Population figures

were taken from the Census Report. General particulars about the district and

villages were collected from the District Statistical Office, District Collector

Office, Department of Fisheries and Village Administrative Offices. The other

required secondary data were made available from various journals, periodicals,

books and websites.

The required primary data were collected from the selected households with

the help of a comprehensive pre-tested interview schedule through personal

interview method. The data were collected over a period of one financial year

commencing from 1st April 2009 to 31

st March 2010. Data were collected

personally by the investigator from the respondents who have not maintaining any

records. Therefore, care was taken at every stage of study to minimize the bias by

suitable crosschecks.

1.2.1.g. Tools for Analysis

The research tries to identify the most important economic determinants of

the various economic and social elements of the fishing workers. The study has

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adopted Chi-Square test, ANOVA, F-test, regression and other descriptive

statistics. Lorenz curve and Gini ratio are used to measure the income inequality.

Various trend models are also adopted to forecast fish production and export of

various fishery products. In this an overview of the statistical techniques are also

presented.

Chi Square test

The Chi Square statistics is a non-parametric test adopted here to test the

magnitude of the discrepancy between theoretically expected values and the

observed values. The statistics for the test of independence summarizes how close

the expected frequencies fall to the observed frequencies.

χ2

is useful to establish and measure the existence of the association

between any two attributes. This χ2

takes only positive values and is given by the

formula,

χ2 = ∑ (Oij – Eij)

2

i-j Eij

where

Oij – Observed value in the (ij)th

cell

Eij - Expected value in the (ij)th

cell

On the assumption of independence of attributes

(Ai) (Bj)

Eij = -----------

N

where,

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Ai - Total of ith

row

Bj – Total of jth

column

N – Total number of observation

If χ2

calc < Calc < χ25% for (r-1) (c-1) degrees of freedom, then it is accepted

that the two attributes A and B are independent or there is insignificant association

between them at 5 per cent level. But if χ2

calc > χ2

5% then it is accepted that, there

is significant association between them at 5 per cent. This tool is used to study the

significance of association between influencing factors and level of age, education,

occupation and income.

Average Annual Growth Rate (AAGR)

The average annual growth rate shows the average percentage change of the

base year to current year.

The formula used for this computation is:

1 Yt – Yt-1

AAGR = -----Σ --------- X 100

n Yt -1

Where Yt and Yt-1 are values for current year and base year respectively and

n is the number of years of the time series.13

13

Acharya Madnani, Applied Econometrics for Agricultural Economics, (Vdaipur: Himalaya

Publication, 1988), p.82.

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Analysis of Variance

The method of comparing mean values of the various group is called the

Analysis of Variance (ANOVA). It compares the variability of the sample mean

value about the overall mean to the variability of the sample observations about

their separate means. The test is the ratio of two estimates of the population

variance, σ2, of the measurements in the group. One of the two estimates uses the

variability between within each sample. This estimate is called with-in group

estimate of variance or simply within estimate. If H0 is true, the between estimate

tends to be equal to within estimate, apart from sampling error. Within Sum of

Squares (WSS) and Between Sum of Squares (BSS) and the respective estimate of

variances are given below.

_

WSS = Σ(Yij - Yj) 2

_

BSS = Σ(Yj - Y ) 2

∧ 2 Σ (n j -1) s j

2

σ w = -------------

N-g

_

∧ 2 Σ n j (Yj – Y )

2

σ B = -------------------

g - 1

Where,

Yij = are the individual values of the sample

____

Yj = mean of the jth

sample

_

Y = mean of the items by pooling all the samples

i = 1 to n j ; j = 1 to g ; Σ n j = N

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(N-g) = within group degrees of freedom

(g-1) = between group degrees of freedom

g = total number of samples

F – Statistics

The F-statistics for H0 is the ratio of the between estimate to the within

estimate i.e.,

Between Estimate BSS / (g - 1)

F = ------------------------ = ----------------

Within Estimate WSS / (N - g)

A significant ‘F’ value provides strong evidence against Ho and an

insignificant ‘F’ value provides no evidence against H0 at a designated level of

significance.

Regression Analysis

In the analysis of estimation of various elements of the income and

expenditure of fishermen, regression analysis is employed. Regression analysis is

concerned with the study of the dependence of one variable the dependent

variable, on one or more other variables, the explanatory variables with a view to

estimate and predict the mean population or average value of the former in terms

of the known or fixed values of the latter. A regression containing one independent

variable is known as a simple linear regression whereas a regression with more

than one explanatory variable is termed as a multiple regression.

Simple Linear Regression:

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Y t = β0 + β1 X t + u t

Multiple Linear Regression:

Y t = β0 + β1 X 1 t + β2 X 2 t + u t

is the simplest multiple linear regression with two explanatory variables. In the

above models,

Y – is the dependent variable

X1 , X11, X21 are independent variables.

β0, β1, β2, are the regression co-efficients.

Ut is the error variable

Here, Ut is assumed to follow a normal distribution with zero mean [E(Ut) =

0] and constant variance [E(Ut 2

= σ2] is popularly known as the assumption of

homogeneity. The other important assumptions are Ut is independent of the

explanatory variables. The independent variables are uncorrelated to one another

(assumption of multicollinearity) and the error values are uncorrelated with their

previous lagged values (assumption of autocorrelation).

Lorenz Curve Approach

The measure of the degree of inequality in the distribution of income of

fishermen is carried out by using Lorenz curve. Lorenz curve is given as a box

diagram and the 450

line represents the line of equal distribution. Actual

distribution is represented by their cumulative frequency curve. If the cumulative

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curve is far from the line of equality, then the inequality is higher for the

distribution.

Gini ratio co-efficient is estimated with the help of the Lorenz curve. Gini

ratio is the ratio of the area between the observed cumulative frequency curve and

the line of equality and the 450

line. The Gini ratio-nearing zero indicates less

inequality and the ratio approaching unity implies greater inequality.

Trend Analysis

Trend models that are otherwise .called deterministic models often catch

the variations observed in business and economic variables. Most frequently used

trend models are linear, logarithmic, quadratic, and exponential. The trend models

applied in this study are given below.

Linear Trend Model - Y = a + b T + u

Logarithmic Trend Model - log Y = a+b log T+u

Quadratic Trend Model - Y = a + b T +c T 2 + u

Exponential Trend Model - Y = a + b ecT

+ u

Where, T = Time variable

a, b, c = co efficients of the regression model to

be estimated

u = value of error variable

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1.2.2. Importance of the Study

This study leads to the proper recognition of the labour conditions of

marine fishing workers and to the formulation of new policies for the

remuneration of their work. This may go a long way to eradicate discrimination

and gender inequality in general and empowerment of rural fishing workers in

particular.

This study will also help the boat owners in the study area and to take

necessary steps to rectify the defects and also to adopt precautionary measures to

have a cordial relation with the fishing workers in future

The findings of this work would be of immense help to planners, policy

makers and institutions who are concerned with fisheries development,

particularly with ways and means of improving the socio-economic life of fishing

workers.

1.2.3. Limitations of the Study

This study covers the labour conditions of marine fishing workers and does

not include cost of production, internal and external marketing aspects. The

secondary data collected were restricted to the length of time. Most of the

fishermen households are illiterates and poorly educated and did not have the

practice of maintaining any records for their daily gross income, net income,

operating expenses for fishing, disposable income and consumption expenditure.

The heads of the households could furnish the information for the questions from

their memory and hence the information furnished by them was subject to the

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recall bias. However, the reliability of the data were ensured by repeated

questioning in different ways and by cross-checking with similar information

provided by other well-informed fishermen in the study area.

Moreover, the present study is basically carried out at the micro level and

limited to a sample size of 600 fishermen households in 12 coastal villages and

hence, the findings of the study can not be generalized at the macro level. With

all these limitations the generalization of the inferences of this study has been

done with maximum care. Therefore, the conclusion of this study is indicative

rather than imperative.

1.2.4. Organization of the Thesis

The study has been structured into the following chapters;

Chapter I - Introduction

It deals with the introduction, importance of the marine fisheries, the

research problem, scope, objectives, hypotheses, importance, limitations and

frame work of the study.

Chapter II - Review of Related Literature and Relevant Concepts

This chapter indicates a precise review of the previous related studies and

various concepts used in the fishery occupation.

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Chapter III – Historical background and profile of Thoothukudi Fisheries

This chapter presents an account of the historical background and profile of

Thoothukudi fisheries and fishermen.

Chapter IV - Socio – Demographic Characteristics of Sample Fishing Workers

In this chapter, an attempt has been made to deal with socio-demographic

characteristics of fishing workers in the study area.

Chapter V - Economic Appraisal of Sample Fishing Workers

This chapter elucidates the economic appraisal of fishing workers,

estimates their role in the marine fisheries and brings out their expenditure,

income, savings and indebtedness.

Chapter VI – Summary of Findings and Suggestions

A summary of work done and salient findings of the study are presented.

Suggestions and conclusion are drawn after analyzing the objectives and

hypotheses of the study.


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