Volume 10 | Issue 1

 Abstract

The Bankometer model has been developed by International Monetary Fund to identify financial soundness of banks. The Model helps to find the solvency scores of the banks to avoid insolvency issues and to measure the financial position by taking into account the contribution of each ratio in the model according to the IMF (2000) norms. The present study attempts to make comparison between top 5 public & private sector banks (Market Capitalization) on the basis of Bankometer model from a time period of 2010 -2020. The top 5 public sector banks undertaken for study are SBI, IDBI , PNB , UBI & BOB & The top 5 private sector banks undertaken for study were HDFC , Kotak Mahindra bank , ICICI , Axis & Bandhan bank. For all the banks solvency score (S) has been calculated. It was concluded from the study that the S-score of private banks is more than public banks, which implies that the financial position of private sector banks is better than public sector banks. Among the public sector banks SBI bank is the most solvent bank & Bank of Baroda held the last position , whereas among the private sector banks HDFC bank is the most solvent bank & Bandhan bank is ranked last .

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 Keywords

Bankometer model, public sector banks , public sector banks

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Creative Commons Attribution 4.0 and The Open Definition

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We know that the Internet of Things is the network of things i.e. physical objects [1]. Such as vehicles and so many things that have embedded technology such as electronic sensors software etc. The aim of this study is to develop a new era of IoT with reference to web 5.0. In this paper, I will co-relate the uses of web 5.0 with IoT and also focus on a secure system that warns us during any disasters.

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 Keywords

IOT, Internet of things web 5.0, sensor, emotional web, Future web, smart building, web 1.0, web2.0, web3.0, web 4.0.

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Creative Commons Attribution 4.0 and The Open Definition

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Snake Bite, Venom, Neurotoxic, Bungarus caeruleus

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With the inexorably universal nature of Social organizations and Cloud processing, clients are beginning to investigate better approaches to cooperate with, and misuse these creating ideal models. Interpersonal organizations are utilized to re?ect certifiable connections that permit clients to share data and structure associations between each other, basically making dynamic Virtual Organizations. We propose utilizing the pre-set up trust framed through companion connections inside a Social organization to shape a dynamic "Social Cloud", empowering companions to share assets inside the setting of a Social organization. We accept that consolidating trust associations with reasonable motivator instruments (through ?nancial installments or bargaining) could give considerably more feasible asset sharing components. This paper diagrams our vision of, and encounters with, making a Social Storage Cloud, taking a gander at conceivable market instruments that could be utilized to make a unique Cloud framework in a Social organization climate

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cloud, social networks

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The Ferro cement technology is nowadays used for various purposes like contracting houses, villas, storage tanks, slab, staircase, etc. The Ferro cement water tank is a tank made of thin wall having width of 3cm - 10cm, depending on the size and capacity of the tank. The purpose of this project is to make fibrocement tanks more durable and keep it economical, so that it can save money and also serve one's requirement. In this paper we will see some of the problems as well as solutions and methods studied in different research papers by various researchers, authors and students. The whole purpose is to understand the methods, solutions and use of fibrocement and fibrocement water tanks.

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 Keywords

chicken mesh, ferrocement , water tank , welded wire

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pH, Temperature, Internet of Things (IoT), Wi-Fi module, Turbidity

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Creative Commons Attribution 4.0 and The Open Definition

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Plasticizer, pH, Nernstian response, selectivity, Ion selective membrane electrode, Palladium, solvent effect.

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Knowledge, family planning methods, mothers, reproductive age

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Creative Commons Attribution 4.0 and The Open Definition

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Cultural consciousness is the essence of revolution. The purpose of this article is to reinvent and reexamine Freirean conscientization in this challenging era of neoliberalism. This article is dedicated to humanity. A humanistic approach towards the emancipatory learning for the masses is the core content of this article. The year2021 is a birth centenary year (1921-2021) of rebellious, pedagogical philosopher Paulo Freire of Brazil, the most internationally recognized rebellious philosopher of Latin America of 20th century.100 years ego, a legacy of love, hope and struggle had been initiated by this pedagogical rebel philosopher against poverty, oppression, ignorance, lethargy and cultural silence, especially in third world countries. One of the objectives of this article is to reveal that how humanization of education system and society at large is possible in this techno centric age. Secondly the new way to analyze the world with the Freirean spectrum of conscientization; a critical consciousness, to enable the masses to know the critical realities of their world and making response. This article also talks about revolutionary pedagogy of human existence. Which cannot be brought by any external entities be it religious, social or political. It ought to be brought by the holistic transformation from within and insight in to various layers of own consciousness. Hence this article works on the agenda of provisional and generalizable knowledge that can be used constructively in the struggle to define and redefine the world. As education is for democratic empowerment, cultural and social justice, respect for diversity and finally transformation of the masses.

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Conscientization, oppression, transformation, emancipation, , annihilation, colonization, necrophilious, Mass consciousness, cultural silence, humanocentism, human exceptionalism, alienating intellectualism, industrialization, urbanization, False consciousness.

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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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Real estate sector in India is witnessing a huge uprising in current period as it has become as one of the essential contributor in the growth of the Indian economy. The RERA Act 2016 helps to protect home buyers right as well as promote investment in real estate sector. The real estate investment trust is alternate financing to improve the liquidity in the real estate sector and easy funding mechanisms available for mid-tier developers with credibility in the market. Government disruptors to increasing the revenue for governments and funding through REITs could help facilitate other key real estate policy implementations. Small investors also disruptors through as real estate capital intensive, REITs allow investment at lower ticket size thereby available for the masses, transparent investment climate with oversight from professionally trained management also easy entry and exit in the real estate sectors. Exist opportunity for institutional investors like developers and financial institutions for alternate financing mechanisms also REITs would play a great role in attracting large institutional long-term investors such as pensions and insurance funds. (KPMG, Disruptions in real estate in India , 2019)

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REIT,RERA,RATIO,ANOVA

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Kisan Credit Card Scheme is an instrument of short-term credit in India. It was introduced by the National Bank for Agriculture and Rural Development (NABARD), on the recommendation of the R.V Gupta Committee in 1998. This paper attempted to estimate the analytic study of Kisan Credit Card (KCC) in Himachal Pradesh by using of secondary data published by the Central Bank (RBI) and NABARD. For identify annual growth rate, a compound annual growth rate has been used, variability has been checked by using coefficient of variation by applying mean and standard deviation. The main objective of the study is to find the number of beneficiaries of KCC in Himachal Pradesh, the amount of credit sanctioned under the KCC scheme, and suggestions to improve the KCC scheme in the state.

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Kisan Credit Card, Agriculture credit, NABARD, Compound Annual Growth.

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Creative Commons Attribution 4.0 and The Open Definition

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TheLearningsysteminindiaisinaperiodoftransition,withsignificant changesandreformstakingplaceacrosstheboard.Withtheuseof informationandcommunicationtechnologies,thisisnowachievable.Inall spheresoflife,informationandcommunicationtechnology(ICT)have becomewidespread.TheusageofICThasradicallytransformedthe practicesandproceduresofpracticallyallformsofbusinessand governanceoverthelasttwenty-fiveyears.Educationisaverysocial activity,andgreateducationhasalwaysbeenassociatedwithstrong teacherswhohavealotofone-on-onetimewithstudents.ICTineducation allowsformorestudent-centeredlearningenvironments.However,withthe worldrapidlyshiftingtowarddigitalmediaandinformation,thefunctionof ICTineducationisbecomingincreasinglyimportant.ICTineducation allowsformorestudent-centeredlearningenvironments.However,asthe worldrapidlymovestowarddigitalmediaandinformation,theroleofICTin educationisgrowinginimportance,andthisimportancewillcontinueto increaseanddevelopinthetwenty-firstcentury.Thisstudyprovidesa literatureanalysisontheuseofICTsineducation,whichwillbenefitusin understandingtheICTaidsthatcanassiststakeholdersindeliveringhighqualityeducation.Thispaperwillassistusincomprehendingthenotionof informationandcommunicationtechnology(ICT)andhowitcanbenefit theteachingandlearningprocess.

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 Keywords

Technology,ICT,QualityofEducation,TLC.

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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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Color therapy, mental health, and well-being

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Creative Commons Attribution 4.0 and The Open Definition

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Renewable energy sources have gained popularity as a result of their reduced environmental impact and ability to meet increasing energy demands. The changeability and instability of renewable sources of energy are their defining characteristics.Hybrid power conditioners are designed to handle the various disadvantages of traditional energy sources. Through the use of storage and backup batteries, they can reduce their consumption and provide better reliability. The concept of this system is to use the fuzzy logic controller (FLC) to regulate the flow of power and keep the steady voltage at the point where common coupling occurs. The battery bank is also designed with an interface to the controller.

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Sustainable Energy Resources, Energy management, Fuzzy Logic,modeling

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With the prevalence of new media technology, Internet has been the dominant factor. Education has evolved from residing with the gurus traditionally, to classroom learning system, and the online learning in the present COVID-19 era. The transition towards technology-driven learning has been challenging for the teachers and instructors significantly higher than the students, given the preparation required for taking a virtual class in terms of content and technology wise. There are several prominent factors altering the course of digital learning, specifically the adaptability of the teachers towards the gadgets, Internet, software applications and other digital tools utilized in the online learning system, which the present study makes an attempt to study.

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 Keywords

Media Education, Academics, Education, Journalism Education

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With the outburst of the Covid-19 Pandemic, the entire globe witnessed a deadly crisis, which bought an abrupt halt in every sector (especially education) of the economy with revised lockdown impositions and shut down of infrastructure resources. The pandemic vividly disturbed the primary and higher education sector and was not allowed to conduct regular classroom studies. The sustainability of the traditional classroom education/schooling model and the continuation of academic years became a challenge for colleges and universities across the globe. The advent of new media tools and technologies enabled students and universities to gradually conduct virtual classes without letting the academic years of the student suffer due to the global glitch. Rather, the new media added up to educational opportunities for the masses and not just the students in times of pandemic. The research aims to study the role and responsibility of new media in carrying out a balance between the learning and training priorities in India. It further seeks to study the drastic changes of education (e-learning) with the functioning of new media, enhancing and sustaining the education sector in the extremely challenging situation of the global pandemic, Covid-19.

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Creative Commons Attribution 4.0 and The Open Definition

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Higher Education, New Media Tools, Students, Media Education, Academics,

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The Panje wetland is supported by diverse life forms. A few decades back heavy industrialization and consequent urbanization had occurred in Navi- Mumbai as well as in Uran city. Both are the fast growing and developing cities. The growing population, industrialization, development of concrete jungles has adverse effect on environment. The wetlands are not exceptional from it. Wetland supports good diversity of mangroves and birds including Flamingos. It is necessary to keep in check on the avifauna and flora of these places to note down the effect of surrounding development on them. These observations suggest that in spite of the poor status of wetland there were quite few numbers of migratory birds, reptiles, insects, and fishes. If proper measures are not undertaken, within short duration no wetland will be seen in these areas. It is possible to revive the wetland ecosystem if remedial measures such as reduction of sewage and solid wastes at source, landfilling, proper water supply from sea, plantation of mangroves, and prevention of mud in runoff are implemented. The local fishermen can be encouraged to practice mangrove based productive activities

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biodiversity , flora , fauna ,

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Creative Commons Attribution 4.0 and The Open Definition

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Mycoflora, cattle shed, Aspergillus spp, Penicillium spp.

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Creative Commons Attribution 4.0 and The Open Definition

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Index Terms: Social Competence, Intellectual Disabilities, Severity, Age, Gender

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