Volume 12 | Issue 3 |

 Abstract

Capital Adequacy ratio and NPAs are the determinant of Credit risk management.First will discuss about the term "credit risk" describes the risk associated with lending money to a customer who fails to pay the money. If the customer defaults on the loan, the bank will be at threat of losing money since it won't get the principle and interest from the borrower.Nonetheless, the goal of credit risk management is to lower risk by using CRM tools, customer analysis, etc. from Good CRM Losses can be avoided by urban cooperative banks. For this Research paper, the focus has been on urban banks because the researcher has visited a lot of urban cooperative banks, many of which do not have a CRM department. In this research paper the dependent variables are ROA and ROE, while the independent variables include the capital adequacy ratio, non-performing assets etc.In order to examine the relationship between two variables, this study used Pearson correlation.NPA and ROA have a negative relationship. Additionally, negatively connected are NPA and ROE. ROE and CAR have a favorable correlation.

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Key Words: Credit Risk, Credit risk Management, ROA, ROE,NPA, CAR

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Abstract The distinguished Commonwealth Writer Githa Hariharan was born in Coimbatore in 1954. She was raised in Manila and Bombay. In the United States, she earned her B.A. in English from Bombay University and her M.A. in Communications from Fairfield University in Connecticut. Before returning to India, she worked for the Public Broadcasting System in New York. Before writing full-time, she worked as an editor at Bombay, Chennai, and New Delhi publishing houses. Her creations showed how myth, tradition, imagination, and fable have been reinterpreted. Githa Hariharan has significantly contributed to Indian English literature since authorizing several novels and short tales.

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Commonwealth,

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The success and failure of a company is significantly influenced by the employee performance. Therefore it is crucial to regularly study and understand the mindset so it is highly important to study the mind-set of the employee frequently so that the company of employees to drive improvements within the company. In this context, this study conducted a comprehensive analysis of job descriptions at Taha Leather, a prominent company in Vaniyambadi, a rapidly significant emphasis on the role of women employees in the workforce. The researcher collected data from 200 employees through a combined interview and questionnaire method. This study considered various factors to describe the job within the Taha Leather industry. Factor analysis was employed to categorise these factors. The study concluded by identifying and naming the various factors obtained through factor analysis.

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Job Descriptions, Employee performance. Mind-set, Significant influence

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Abstract: A transdermal patch is an adhesive that has been medicated and applied to the skin to transfer a predetermined dosage of medication through the skin and into the bloodstream. Several non-invasive administrations have recently emerged as alternatives to conventional needle injections. TDDS has potential applications not only in the pharmaceutical industry but also in the skincare industry, which encompasses cosmetics. With an average adult's surface area of 2 m^2, the skin receives about 1/3 of the blood that flows through the body. Over the past few decades, the development of controlled medication delivery has gained importance in the pharmaceutical industry. Per square centimetre, there are typically 200-250 sweat ducts and 10-70 hair follicles on the surface of human body.

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KEYWORD: TDDS, the pharmaceutical industry used, skin care.

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Music is a very effective means of boosting mood and reducing stress and anxiety. Music therapy helps in improving wellbeing and mental health. According to the population census, the geriatric population is nearly 149 million in India in 2023, among which one in five suffers from mental health concerns where 75% of them have chronic stress, 50% insomnia symptoms and more than one in ten older adults have major depression. Music therapy is found to be effective in improving mental health and sleep quality among the elderly. The present study aims at evaluating and drawing a comparison between the effect of music therapy on psychological distress and depression among geriatric individuals of West Bengal. 80 geriatric individuals residing in residence and old age home of West Bengal were assessed for the study using the General Health Questionnaire (GHQ) and Geriatric Depression Scale (GDS) to measure psychological distress and depression respectively. The major findings of the study reveal that music therapy has an impact on geriatric population. Music therapy have been found to be effective in reducing psychological distress and depression among the participants.

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Geriatric population, psychological distress, depression, music therapy

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In today's fast-paced world, efficient management of canteens has become crucial to meet the demands for quick service and enhanced user experiences. Traditional manual systems are often plagued by long queues, and a lack of data-driven insights. To address these challenges, we propose a Canteen Automation System that uses mobile technology to streamline operations and provide a friction-less experience for both customers and canteen staff. This system enables users to register online, browse menu, and place orders through a dedicated Android application. It offers advantages such as automated ordering, detailed order summaries, reduced paperwork, and time efficiency. With distinct logins for students, teachers, canteen staff, and administrators, the system provides tailored functionalities to each stakeholder. Additionally, personalized recommendations based on users' order history enhance the overall user experience. In this paper, we present the design and implementation of the Canteen Automation System, outlining its key features and functionalities. We also discuss the benefits it offers to canteen operations and user satisfaction. Furthermore, we explore the potential for future enhancements and research opportunities in the realm of automated food service systems.

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Canteen automation, Online food ordering, Mobile technology, Automated ordering, Personalized recommendations

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This study has been undertaken to investigate the issues of social outcastes and exclusion in Indian society. India is a hierarchical society. Whether in north India or south India, Hindu or Muslim, urban or village, virtually all things, people, and social groups are ranked according to various essential qualities. Although India is a political democracy, notions of complete equality are rarely witnessed in daily life. Societal hierarchy is evident in caste groups, amongst individuals, and in family and kinship groups. Castes are primarily associated with Hinduism, but caste-like groups also exist among Muslims, Indian, Christians, and other religious communities. Whether it's the most densely populated and less developed state like Bihar or the synonym of literacy champion Kerala; caste system has crept in every nook and corner of society. Arundhati Roy's The God of Small Things is a bitter, poignant portrayal of caste mechanics in so called education paradise of India. Be it the Syrian Christian community or self-acclaimed communists Hindu Brahmins- all seem to bury deep in this Casteopolis or what I prefer to call Castetopia.

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Caste, Exclusion, Social Outcast, Untouchables, Casteopolis

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Mivan technology, also known as Aluminum Formwork System, is a modern construction technique that utilizes aluminum formworks to create cast-in-place concrete structures efficiently. This method replaces traditional formwork made of wood or steel with lightweight and reusable aluminum panels, resulting in faster construction cycles, improved quality, and cost-effectiveness. Mivan technology is widely used in residential, commercial, and industrial projects due to its versatility, speed, and sustainability. Mivan technology used in India and its comparative analysis with conventional formwork with its cost, time and construction efficiency

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Mivan Aluminum sheets, Formwork cost, time, comparison, speed

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In the current time, the immense growth in population creates hygienic terrain for the cities of the society with respect to the waste generation. This rapid-fire generation of waste leads to colorful contagious conditions in the terrain. As followed by the traditional external system, in our surroundings, we can see over flooding of solid waste in the scrap lockers. Solid waste operation is a vital aspect in traditional systems and it's getting dangerous in utmost populated areas. laborious labor workshop and costs are needed to manage and cover scrap lockers in real time. To maintain the cleanliness of a megacity and for real- time monitoring of trash lockers, a smart caddy medium( SBM) for smart metropolises is proposed in this paper, which is grounded on Artificial Intelligent of effects ( AIoT).The SBM works on the 3R conception, that is, Reduce, Reclaim, and Reuse. The SBM has the access to get real- time information about each caddy and avoid overloading of these lockers (1). The proposed frame reduces the labor cost and saves time and energy of the system. It also reduces the rate of complaint infections by keeping the metropolises clean. Fuzzy sense is used for decision- making in opting applicable locales in the metropolises to install trash lockers. The frame is enforced in the multiagent modeling terrain, that is, Net totem.

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Trash Bin, Smart Cities, SBM

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Intrusion detection systems (IDS) are secure for protecting computer networks, and this study suggests an efficient IDS designed specifically for small to medium-sized networks. The system combines the decision tree algorithm with a machine learning framework by blending traditional anomaly detection with signature-based techniques. This combination provides a comprehensive system for detecting and responding to suspicious activities. The system strikes a compromise between accuracy and resource utilization by using lightweight algorithms and rule-based procedures, with a focus on the decision tree algorithm. The integration improves intrusion detection accuracy and overall system performance. The system's simplicity allows for quick deployment and maintenance, making it an effective solution for network security reinforcement. Testing findings confirm its ability to identify frequent network intrusions, making it a practical and cost-effective security solution for businesses with small to medium-sized networks.

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 Keywords

IDS, LAN network, Machine learning, Decision tree Algorithm, Signature-based detection.

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