Volume 8 | Issue 4 |

 Abstract

Abstract: Fixed deposits allow investors to deposit their money for a specific period for a rate of interest, which is typically higher than what is offered for a savings bank account. Fixed Deposits are popular because of its easy liquidity, reliability and high returns. Senior Citizens, who are old age, retired Government Servant, mostly withdraw monthly pension from the State Bank of India, deposit a lump sum amount of Rupees 5 to 15 lakh there in FD for a fixed period and earn a steady income by way of interest. Recently, due to enormous interest declination in fixed deposit of the bank, particularly in SBI, Senior Citizens are faced in tremendous economic problem. A sampling survey was conducted along with such 100 respondents during the year 2019-20. Opinions and views of them relating to Fixed Deposit interest earnings were recorded. Interest rates are falling. RBI rate cuts are high due to concerns over economic growth and the prevailing low inflation. To protect the real FD interest income of senior citizens they have claim to gain at least 1% more differential interest than the general people for financial security and their imperative needs in old age.

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Keywords: Senior Citizens, FD interest, repo rate, bps

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Stress is a critical phenomenon. It is a very subjective experience. It is based on experiences, temperament and environmental conditions. At a crucial stage of health care, India is at an inflexion point of breakdown of employees due to intermittent stress. The jobs high paying come up with a price of high targets resulting towards high job pressure. This leads to work relates stress which are caused due to high work demands which exceeds person�s capacity also leading to factors which make it difficult for the employees to cope up the pressure. The same pressure can be attributing to doctors as Indian healthcare is growing at an intermittent rate of 15% annually. As per medical council of India there are 9.29 Lakh doctors registered in India. With 80% average doctor availability, only 7.14 Lakh doctors may be available at any given point of time in the country. This number is both alarming and shocking as this leads to ratio of 1: 654 doctor patient ratio in country. This ratio is way below the 1:1000 doctor patient ratios as benchmarked by World Health Organization (WHO). This paper intends to measure the prevalence of job stress among doctors working in different hospitals of Jammu and Kashmir. The study is quantitative and descriptive in its nature. For the purpose of study, both secondary and primary data have been collected with the help of structured and closed - ended questionnaire from randomly selected 600 doctors working in government run hospital in Srinagar and Jammu city.

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Doctors; Stress; occupational stressors;

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Creative Commons Attribution 4.0 and The Open Definition

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Deep learning is a statistical learning made by the means of many layered artificial networks, also called deep neural networks. Artificial neural networks are essentially are graphs having their basic computational units (nodes or neurons) grouped in sets usually called layers. In order to get a functional neural network, we need to have an input layer and an output layer, and one or more intermediate hidden layers.

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Morphnet, Neural Networks, Python, TensorFlow, NumPy

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Augmented reality (AR) is a technology that has taken the world by milestone in the past few decades. It is a powerful technology that is proving itself as one of the best tools to be used in our daily life. Augmented reality is growing and finding applications in every area. There is a never-ending scope for augmented reality in this tech world, which can experience by exploring the best AR apps. AR apps have become a fast growing trend that keeps on developing and enhancing the virtual view by offering a integrated view to the real-world aspects. This paper gives an introduction to augmented reality apps.

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Augmented reality, AR works, Augmented Reality Apps

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Creative Commons Attribution 4.0 and The Open Definition

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Creative Commons Attribution 4.0 and The Open Definition

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Gandhi's Trusteeship, Economic Equality, Social Equity, Needs, Act as Trustees, Sarvodaya

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This study reviews the outcome of relationship marketing on service quality and customer satisfaction from the viewpoint of the moderating role in the banking zone in the State of Qatar. This article makes an effort to be aware of the scope of service quality which affects customer satisfaction in relationship marketing in banking services. In the business world, customers are the foundation of profit and revenue for the service organizations and progress in service quality directs to customer loyalty. Customer service is considered as an essential part of any aspect of industry and it defines the outlook of any organization. As Organizations are increasingly becoming customer focused and are obsessed by consumer demands, it is becoming evenly tough to assure and hold on to customer fidelity. The rapport with the customer is based on the guarantee that customer fulfillment is achieved through providing standard quality of service. The findings of this study will be valuable to banks to enhanced figure and focus their positions in the market and also to endow with utmost contentment to the consumers.

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Keywords: - Banking Sector, Customer Satisfaction, Customer service, Relationship Marketing, Customer Relationship Management (CRM), Customer Perception

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Pharmaceutical Validation is establishing Documented evidence which provide High degree of assurance that a specific Pharmaceutical Product or Pharmaceutical Dosage Form will consistently produce a product meeting its specification and Quality Characteristics. Validation of Pharmaceutical Product is Play an Important role in authentications, accuracy, Precision & Reproducible data of Pharmaceutical Products. In this research work a simple UV spectroscopic method has been developed for estimation of Nystatin Emulgel (topical Formulation). Nystatin estimated at 305 nm by UV spectrophotometer with the help of lamberts beer�s law in Concentration range (1-10 �g/ml). the method is performed as per ICH (International Conference Harmonization) guidelines. In this research work following parameter are performed Accuracy, Precision, Limit of Detection, Limit of Quantification, Range, Linearity, ruggedness Robustness Standard Deviation, Regression Coefficient performed with accurate Procedure respectively. This UV spectroscopic method is Accurate, Cheap, less time Consuming, less Error Techniques. Validation may be applied in form of Standardization of Pharmaceutical Product.

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Keywords: Accuracy, Emulgel, Nystatin, Pharmaceutical Validation,

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The purpose of this study is to identify the impact of leadership skills on employee performance. A sample size of 100 was used using convenience sampling technique. The study used quantitative approaches, and a questionnaire was designed. A five-point Likert scale questionnaire was used to determine the impact of leadership skills on employee performance. 55% of the respondents scored for Administrative skills. Hence from this study administrative skill is more important to become a leader followed by interpersonal skills with 23% and conceptual skills with 21%. In the contemporary competitive environment, the survival and development of institutions are required to emphasis upon the responsibilities and processes that play main role in augmenting their performance. In the prevailing situation, the main objectives for nay dynamic institutions are the development of individual capabilities and ultimately the performance of the institutions. The present study was an attempt to explore the suitable leadership skills with respect to the performance of the employees. All the three styles have significant impact upon the performance of the individuals. Interpersonal and conceptual skills do not have much difference. It means both are equally important to become a good leader. The leadership with these shared attributes will strengthen the institutions and thus the quality will be the only result.

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 Keywords

: Leadership, employee performance, administrative skills, conceptual skills, interpersonal skills

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Creative Commons Attribution 4.0 and The Open Definition

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Facial Expression Recognition, Deep Learning, Convolutional Neural Networks (CNNs), Image Classification, Human-Computer Interaction.

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Creative Commons Attribution 4.0 and The Open Definition

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With COVID-19 cases growing worldwide, business leaders are scrambling to deal with a wide variety of problems, from slumping sales and stalling supply chains to keeping employees healthy and making sure they can continue working.

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COVID-19

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