Volume 12 | Issue 1

 Abstract

Islamic Banking is growing at a rapid speed and has showed unprecedented growth and expansion in last two decades in spite of mismatching of existing financial framework and business practices. The rhythm and the swiftness with which a number of Islamic Banks are coming up across the world have astonished many banking experts. Many international banks like ABN Amro, HSBC, American Express; ANZ Grindlays Bank, Chase Manhattan, Deutsche Bank, Standard Chartered Bank have already opened Islamic Banking divisions across the world especially in Middle East and North African countries (MENA),GCC Countries, Asia, Europe and USA etc. India has the third largest Muslim population in the world, which totals to around 161 million (2011census),i.e.,13-14 percent of the population. The percentage is much higher in some regions like Kerala and State of Jammu and Kashmir. Islamic Bank is a financial institution whose statutes, rules and procedures expressly state its commitment to the principles of Islamic Sharia and to the banning of the receipt and payment of interest on any of its operations. The paper will try to give an insight in to Islamic banking, the various products, present status worldwide and in India.

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Islamic Banks, Grindlays Bank, Mudharabha, Musharaka

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The current study focuses on highlighting the potentials of integrating digital literature towards the development of language skills among elementary school students. A short-term public speaking course was developed and administered via Google Classroom to study language proficiency and engagement. The study, set in the context of Kanpur, Lucknow, and Aligarh, India, aims to unveil the effectiveness of this pedagogical approach. By assessing pre and post-course language proficiency, observing participation levels, and obtaining feedback from both students and parents, the study seeks to provide valuable insights into the potential of digital tools in elementary education. This research not only addresses the specific context of public speaking education but also contributes to the broader discourse on leveraging digital literature for language development in elementary schools. As education paradigms evolve, the outcomes of this study offer practical guidance for educators, policymakers, and curriculum developers looking to enhance language learning experiences through innovative pedagogical approaches.

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 Keywords

Public speaking; ESL; Digital Literature Integration; Language Proficiency; Student Engagement.

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The growth rate of Gurugram has been tremendous in the last three decades and the city has been built on the agricultural land of the nearby villages through the landuse landcover transformation that happened within the flux of socio-economic transformations modulated by private capital. The local government provides the contextualization and path dependencies for the foundational outcomes of neoliberal policies. The regulatory function of the local government is still not less important as it regulates the private capital and restricts its reckless flourishment, modulate its momentum, guides its growth, demonstrate its own dominance, and supports its subordination but legalizes neoliberal logic. The implications of neoliberalism would have been more disastrous for the marginal section of the urban people with intra-city disparity and inequality if the policies of the local government fall under the trap of neoliberal philosophy.

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Neoliberalism; Governance; Welfare; LULC; Private Capital

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This project introduces an IoT-based garden watering system with integrated water consumption analysis, aimed at addressing the pressing need for sustainable water management in gardening. By combining advanced sensor technology, microcontrollers, and a user-friendly interface, the system offers an automated solution for monitoring and regulating the watering process based on real-time soil moisture data. The implementation of water flow sensors enables precise tracking of water consumption, facilitating data-driven insights into optimal watering practices. Through the development of a user-friendly web application, the system empowers users to remotely control and customize watering schedules, promoting efficient water usage and fostering eco-friendly gardening practices. The project underscores the significance of leveraging IoT capabilities to create a smart, data-driven solution for water conservation in gardening, highlighting its potential to contribute to sustainable environmental practices and the effective management of precious water resources.

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SmartIrrigate, GreenTech, AquaSense, IoTGardenCare, WaterSmart, ECOFlow, HydroHub, AquaLink, GardenSense, AquaSync

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Green marketing refers to holistic marketing concept which fosters environmental betterment ensures reduction of trade barriers, standardization, diminished health and safety impacts, enhanced community and employee relationships, high customer satisfaction, trust, loyalty, and elevated brand equity. Indian automobile industry is one of the primary drivers of the nation's economic prosperity. Currently, the automobile industry contributes 7.1% of India's GDP and 49% of its manufacturing GDP. The EV market is expected to grow at CAGR of 49% between 2022-2030.Government of India, and non-governmental organizations are collaborating to foster green pursuit which propels the nation toward sustainability. If strategically implemented then it may generate several commercial opportunities, green jobs, protect environment, and improve the livelihood of people (Rodger, 2016). This study titled "A STUDY ON IMPACT OF GREEN MARKETING ON BUYING BEHAVIOUR OF CONSUMERS OF AUTOMOBILE SECTOR WITH SPECIAL REFERENCE TO RAIPUR CITY", critically reviews the existing literature on green marketing strategies and collected data to understand the individual and organizational benefits derived from green marketing strategies. The findings of the study are proved by applying sound statistical modeling, states that passenger vehicle companies exhibit a heightened environmental consciousness. However, the purchasing behavior of customers for different types of passenger vehicles, such as cars, SUVs, XUVs, vans, and jeeps, varies significantly. The implications of this study highlights the need for businesses to embrace green marketing, integrate sustainability and adapt to changing consumer preferences and government initiatives. There is ample scope for businesses to grow by abiding eco-friendly practices in the Indian automobile sector.

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Green Marketing, Eco-Marketing, Environmental Marketing, Green Vehicles, and Green Automobile Companies

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: BIMSTEC came into existence in 1997 with the primary goal of improving connectivity between South Asia and Southeast Asia. The organization holds immense potential with various opportunities like easy facilitation of people-to-people connections and its advantageous geographical location. However, despite these advantages, BIMSTEC faces substantial challenges, notably political instability and the ongoing struggle to establish free trade within its framework. In this paper, we draw the conclusion that the effectiveness of this organization hinges on the concerted efforts of member countries to address these challenges. By tackling issues such as political instability and actively working towards the realization of free trade agreements, BIMSTEC can ascend to a higher level of influence and impact in the region. Additionally, we propose the idea that India, being a prominent member, should assume the role of a "big brother." By taking on a leadership role and fostering collaboration among member nations, India can play a pivotal role in steering BIMSTEC towards overcoming its challenges and realizing its full potential as a catalyst for regional connectivity and cooperation.

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BIMSTEC, INDIA, FTA.

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The purpose of this article is to give an in-depth analysis of the concept of damages. Further, an attempt is made to give a hawk-eye view of the types of damages that are considered in the present-day scenario. A special emphasis is given on the issue of Liquidated Damages and an analysis viz-a-viz the construction industry is drawn. Relevant case laws of various courts have been cited thereby explaining the evolution of the jurisdiction of damages from a contractual perspective.

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Damages, Contract, Liquidated, Penalty, Construction

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 Abstract

uccha madhyamik star ke vidhyarthiyo ki saikshik abhiruchi ka adhyayan

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uccha madhyamik star ke vidhyarthiyo ki saikshik abhiruchi ka adhyayan

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The investigation examines the numerous contributing factors to the alarming rise in infant malnutrition. Globally, malnutrition is a major health concern due to the intricate interaction between socioeconomic, dietary, and environmental factors. A holistic approach to address malnutrition is needed considering the complex interplay of these factors, according to the review. The paper provides a snapshot of the state of research on this topic and suggests possible strategies to curb the escalating trend of undernutrition in infants and toddlers. The assessment emphasizes the urgent need for a comprehensive and encompassing approach to combat malnutrition and foster optimal child growth.

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Malutrition, socioeconomic, environmental, dietary factors, rising epidemic, young children, hidden dynamics, complex interplay.

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In the present scenario the banking sector is playing vital role in the economic development of a country like India. The banks are updating themselves with the upgraded technology. The move towards the Digitalization to render the technology based services has changed the path of banks to perform the banking business operations. The present study makes an attempt to evaluate the impact of technology on the financial performance of Canara Bank using the CAMEL model. Different parameters of CAMEL model are identified to study the performance of the Bank. The study is based upon the secondary data, with an attempt to study the performance of bank in the period of Pre and Post IT Enabled era.

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Digitalization, CAMEL model, Financial Performance of Canara Bank.

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The civilization of Balochistan which covers present-day northwest Pakistan and the eastern frontiers of Iran and Afghanistan has recorded history since 650BCE. However, this article aims to discuss the most recent accounts since the invasion of the British Empire and later, accession to the Islamic State of Pakistan. This province has been in a state of conflict since the formation of the sovereign nation. While Baloch nationalists argue that it was a separate nation, Pakistan counters with its admission to British India in 1935. Human Rights violations, suppression of insurgencies, cultural fascism and extrajudicial killings are a few of the assertions against the military and government of Pakistan. With new international stages provided to Baloch nationalist voices, a study of the ongoing conflict becomes more important.

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Insurgency, Pakistan, India, Terrorism, Human Rights, History, Balochistan, Conflict, Nationalism, Military, Suppression, Fascism

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The present study was undertaken to investigate the comparison in academic stress among students of different streams of higher secondary schools in Gujarat. The study is based on primary data collected from the selected sample students consists of 1000 students from aided and un-aided higher secondary schools (XI and XII) in Anand district of Gujarat. The data were collected from randomly selected students from 13 schools in Anand district having seven schools in urban area and remaining six schools from rural area. The results of analysis of comparison of the students of different streams and academic stress scores indicate that there is no significant difference between academic stress of students of all three streams (science, commerce and arts) of higher secondary school

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Academic Stress, Streams, Students

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This research is focused on the mobile based payment services for financial inclusion and sustainability in developing countries. Owing to their differences from more usual mobile-based banking and payment services, such technology is being aggressively promoted by providers of network telecommunication companies. However, the factors influencing its sustainable acceptance remain largely unknown. Study shows Technology Acceptance Model (TAM), by reviewing the different research published on TAM and its relationship with the Sustainability on M-Payment Apps. The research study is assessed with secondary data and prospective Mobile Payment user's approach. Based on the previous research study the perceived ease-of-use is the most significant factor influencing consumers' attitudes to us M-Payment Apps for sustainable development. While perceived usefulness and influence adoption decisions, their impact is much lower. Similarly, the consumer attitudes and intentions were found to have a significant relationship with TAM. These findings will be useful to retain prevailing users and attract new ones, that ultimately helps in sustainable development.

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Keywords: M-Payment Apps, Sustainability, Technology Acceptance Model (TAM)

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This research investigates the merging of education and psychology in order to promote a holistic approach to improve learning and well-being in educational environments. The theoretical framework emphasizes the symbiotic relationship between teaching and psychological concepts, emphasizing an in-depth understanding of students' cognitive and emotional growth. The curriculum integrates evidence-based solutions to accommodate various learning styles and socio-emotional needs, resulting in a more inclusive educational experience. A focal element is teacher training, which provides educators with the tools they need to incorporate psychological insights into their teaching approaches, to create an environment suitable for both intellectual and emotional growth. Through interactive and personalized techniques, student engagement is prioritized, generating intrinsic motivation and a sense of ownership in the learning process. Methods of assessment and evaluation are matched with both academic and socio-emotional milestones, allowing for a more nuanced view of student growth. Social-emotional learning (SEL) is weaved into the curriculum, developing crucial life skills and emotional intelligence. Parental involvement is advocated as a major component, with educators and parents working together to facilitate holistic development. Recognizing the importance of surroundings on the learning experience, the school environment and culture are meant to be positive, inclusive, and conducive to well-being. Long-term goals include developing well-rounded persons with academic proficiency, emotional resilience, and a feeling of community. This integrated strategy aims to provide a happy and supportive educational environment, creating the groundwork for lifelong learning and flourishing well-being.

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Education, Psychology, Holistic approach, Symbiotic relationship, Cognitive growth, Emotional growth, Evidence-based solutions, Teacher training, Inclusive educational experience, Social-emotional learning (SEL)

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As the world grapples with the challenges of climate change and the finite nature of fossil fuels, the quest for sustainable energy sources has never been more urgent. Hybrid power generation systems, which combine multiple renewable energy sources with conventional power generation technologies, offer a promising solution to meet the increasing energy demands while reducing greenhouse gas emissions. This paper provides a comprehensive overview of hybrid power generation systems, highlighting the structure, architecture and potential for a sustainable energy future with hybrid power generation systems. We examine various hybrid system configurations, case studies, and technological advancements that have contributed to the rapid adoption of these systems. The paper concludes by emphasizing the critical role that hybrid systems can play in achieving a cleaner and more sustainable energy landscape.

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Hybrid power generation systems, Renewable energy, Sustainability, Climate change mitigation, Energy transition

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The United States has the biggest pharmaceutical market in the world .Common Technical Documents (CTDs) are required in the European Union (EU), Japan, Canada, Switzerland, and Australia, and are recommended in the United States, according to the International Conference on Harmonisation of Technical Requirements for Registration of Pharmaceuticals for Human Use (ICH). An electronic version known as the Electronic Common Technical Document (ECTD) was created concurrently with the CTD. Currently, the US, Europe, and Japan accept ECTD filings. The ECTD offers advantages over the CTD in terms of user-friendliness, archiving, and managing registration information throughout its lifecycle. For both clinical and nonclinical studies, the ECTD definition specifies the folder and content structures as well as the XML backbone and Study Tagging File. Considerations for ECTD documentation design include document granularity, templates, shell documents, and filing regional variations. An Integrated Summary of Safety and an Integrated Summary of Efficacy, for example, are mandated in the United States. The CTD offers a universally recognised structure that is internationally harmonised, removing the need to create distinct registration dossiers for distinct regulatory bodies. It is divided into five modules: Module 1 is peculiar to a particular region, whereas Modules 2, 3, 4, and 5 are meant to be shared by all regions. There is a regional component in Module 3. Pharmaceutical businesses can submit applications to regulatory agencies such as the FDA without changing the data by using the ECTD format. These days, the US, Japan, the EU, and Canada all make extensive use of it.

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CTD, eCTD, ICH M4, ANDA, Regulatory requirement, Regulatory Affairs

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This article explores the dynamic landscape of educational psychology and its profound impact on the transformation of teacher education to meet the evolving needs of 21st-century learners. In an era characterized by rapid technological advancements, cultural diversity, and unprecedented challenges, the role of teachers has become more complex and multifaceted. Educational psychologists have responded to these changes by developing innovative theories, methodologies, and pedagogical approaches that empower educators to effectively engage and support diverse learners. The article delves into key advancements in educational psychology, emphasizing their application in teacher education programs. Cognitive psychology models, socio-cultural theories, and emerging concepts such as neuroeducation are discussed in relation to their influence on instructional design and classroom management. Ultimately, the article aims to contribute to the ongoing dialogue on educational reform by offering insights into how advancements in educational psychology can inform and shape teacher education practices. By embracing these advancements, educators are better equipped to foster the critical thinking, creativity, and adaptability essential for 21st-century learners in an ever-evolving educational landscape.

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Educational Advancement, Teacher Education, Educational Psychology, Critical Thinking

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Abstract: This research paper presents a detailed socio-economic profiling of three districts--Medak, Sangareddy, and Siddipet--in the state of Telangana, India. The study examines key demographic and lifestyle factors such as age distribution, resource utilization for drinking water and cooking, educational status, earlier occupation, motivational factors for enterprise establishment, and finance sources. The data was collected from a sample of 200 individuals, providing insights into the distinctive characteristics and socio-economic dynamics of each district. The findings aim to contribute to informed policy-making and targeted interventions to foster local development.

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Keywords: socio-economic profiling, age distribution, resource utilization, educational status, earlier occupation, motivational factors, finance sources.

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ASSESS,EFFECTIVENESS,STRELNIKOVA BREATHING EXERCISE,PURSED LIP BREATHING EXERCISE,RESPIRATORY PARAMETERS,BRONCHIAL ASTHMA

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The research paper, "Karvy Stock Broking Scam: Unravelling the Complex Web," meticulously examines the multifaceted dimensions of the Karvy Stock Broking scandal. This financial debacle involved unauthorized pledging of client securities and potential misuse of funds, significantly impacting investors and eroding market trust. The study investigates the regulatory framework, emphasizing SEBI guidelines and the role of regulatory bodies in overseeing stockbrokers. It unravels the intricate layers of the scam, assessing its implications on investors' financial losses and overall sentiment. The paper delves into the regulatory responses initiated by SEBI, exploring policy changes and legal ramifications for those involved. Furthermore, it extracts valuable lessons for the financial industry, emphasizing the need for enhanced market safeguards, robust risk management practices, and increased transparency to prevent and address such fraudulent activities. Through its comprehensive analysis, the research aims to contribute to the understanding of the Karvy Stock Broking scam and provide insights into fortifying the financial ecosystem against similar threats in the future.

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Karvy Stock Broking, Financial Scam, Unauthorized Pledging, Misuse of Client Funds, SEBI Guidelines, Regulatory Oversight, Investor Impact, Market Trust Erosion, Regulatory Response, Legal Ramifications.

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