Volume 9 | Issue 5 |

 Abstract

Financial inclusion is defined as the availability and equality of opportunities to access financial services. It refers to a process by which individuals and businesses can access appropriate, affordable and timely financial products and services. These include banking, loan, equity and insurance products. Financial inclusion efforts typically target those who are unbanked and under banked and directs sustainable financial services to them. Financial inclusion is understood to go beyond merely opening a bank account. A normal perception is that, the concept of financial inclusion emerged and became prominent only after 2005. But a careful analysis of commercial banks nationalization process which took place during 1969, has already sown the seeds of financial inclusion in our country. The process of nationalization was inevitable, so as to safeguard the Indian economy from the evils of financial arrangements of our country, which were prevalent during that time. There was a high concentration of commercial banks only to few places and loans and advances were given only to a handful of people. There was absolutely no standarisation of guidelines, which are supposed to be followed, while lending a loan or an advance. During that situation, nationalizing them (a process in which, the ownership and control was transferred from private to government) was the only solution. But a careful analysis of the achievement observed after nationalization reveals the fact that, the process of nationalization also carried the seeds of financial inclusion, bringing those unbanked people under the ambit of banking services. This paper tries to analyse the causes, the process and achievement of nationalization scheme, which took place in India, during 1969.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Financial Inclusion, Banks nationalization, Unbanked, Loans and banking services.

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Random Forest, Cronic Disease

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Creative Commons Attribution 4.0 and The Open Definition

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The Electric Power System is divided into many different sections. One of which is the transmission system, where power is transmitted from generating stations and substations via transmission lines into consumers. A smart GSM based fault detection and location system was used to adequately and accurately indicate and locate the fault had occurred. This will ensure a shorter response time for technical crew to rectify these faults and thus help save transformers from damage and disasters. The system automatically detects faults, analyses and classifies these faults and then, calculates the fault distance from the control room using an impedance-based algorithm method. Finally, the fault information is transmitted to the control room. In conclusion, the time required to locate a fault is drastically reduced, as the system automatically and accurately provides accurate fault location information. By using this project, we can detect the faults of three phase transmission lines one can monitor the Temperature, Voltage, Current by means of GSM modem by sending message.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Global System for Mobile Communication.

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Mahasweta Devi is a Bengali writer, who devoted her life to fight against the injustice and inequality of the poor and tribal people, She got various awards. She has written more than one hundred novels and short stories in Bengali which are translated into English. Mahasweta Devi in her works draws our attention towards the life of tribal people, Dalit and Marginalized citizens with a focus on women. In Douloti - Mahasweta Devi focuses on how the capitalist have used Adivasi women bodies to make money. They are sold from one person to another like commodity. Mahasweta Devi compares the body of women to land. where the land lord ploughs and ploughs the land to make profit. The bonded slavery system is everywhere in India they are called by different name in different states, but the system is slavery.

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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

 Abstract

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Zero Budget Natural Farming, Bijamrita, Jeevamrita, FYM, Biofertilizer, Wheat

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Estimation or assessment of default a debt could be a crucial method that ought to be allotted by banks to assist them to assess if a loan somebody may be a defaulter at a later section in order that they method the applying and judge whether or not to approve the loan or not. Banks have already been creating an attempt to try to this through utilization of FICO score and credit Reports. In this project, using Machine learning techniques, we focus on dealing with imbalance data problem to enhance the performance of loan default and loan approves prediction. Artificial intelligence will facilitate modernize the standards for loan applications and permit banks to try to higher loan management. Equifax, one of the three major credit bureaus, determined through a recent research study that financial institutions sometimes deny good borrowers based on these FICO criteria artificial intelligence can help modernize the criteria for loan applications and allow banks to do better loan management

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Keywords: Machine Learning, loan, credit, Imbalance data, prediction, etc.

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Trend Analysis , Ratio Analysis , Comparative Statement

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Customer Satisfaction, Customer Loyalty, Service Quality, Corporate Image And Homecare Products.

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

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Creative Commons Attribution 4.0 and The Open Definition

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Key words: COVID 19, mental health, anxiety, stress and Pandemic

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Since the dawn of time, Indian agriculture has been plagued by a variety of destructive problems such as weeds, fungi, and insect pests, all of which have resulted in a rapid decrease in yields. Weeds compete with crop plants, reducing crop yields by 5 to 50 percent. Insect pests are farmers' worst enemies because they eat crops, stored grains, and serve as a vector for livestock diseases. Various fungi ruin agricultural and horticultural crops, causing economic losses and posing a health risk to consumers due to mycotoxins created by the fungi. Chemicals are used to monitor many of these bio agents, but their widespread use has resulted in weed, fungus, and pest resistance, as well as higher costs, residual toxicity levels, resulting in fertile lands being infertile and poisonous. The best solution for this is to use indigenous traditional methods of control used by farmers, such as plants that were once common all over the world but have nearly disappeared in developed countries due to the introduction and use of modern synthetic chemicals, and are now restricted to only a few regions of developing countries. Plant extracts, according to various reports, contain a variety of bioactive components that can regulate many of these crop-destroying agents. The aim of this paper is to summarize the results of using plant extracts to monitor plant bio agents. Plant extracts are cheap, environmentally friendly, readily available, and are therefore recommended for sustainable agricultural production

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Diseases, Pest, Weeds, Chemicals, Resistance, Plant extracts, Sustainable Agriculture.

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Creative Commons Attribution 4.0 and The Open Definition