Volume 11 | Issue 2

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In order to analyze and assess the financial performance of India's top public and private sector banks and to comprehend their NPA patterns, secondary data analysis is used in this research. The Indian banking industry has been under scrutiny as a result of certain substantial changes in monetary policy. When the Reserve Bank of India (RBI) boosted interest rates to support the weakening Rupee, the cost of funds for banks has dramatically increased. A rise in non-performing assets (NPAs) and a decline in profitability could be the results of this. Bank profitability is impacted by both internal and external variables. Metrics and risk variables relevant to each bank served as a guide for their earnings. SBI leverage financial ratios were judged to be more susceptible to default than HDFC. Efficiency metrics were the primary profit-generating factors at HDFC, the largest private sector bank in India, but not at SBI. Measures of asset utilization efficiency were essentially the same for both banks. The largest public sector bank in India, SBI had significantly higher NPA ratios. The liquidity ratios turned out to be the single most significant SBI determining factor. To determine whether there was a significant difference in the NPA ratio of SBI and HDFC bank over the past three years, a two sample T test with identical variances was also performed.

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Banking Sector, SBI & HDFC, NPA, Financial Ratios, Secondary & Primary Data

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The global energy crisis and environmental pollution, which are largely the result of increased consumption of nonrenewable energy sources, have prompted researchers to investigate alternative energy technologies that can harness energy from the environment. Mechanical energy is the most prevalent type of environmental energy that can be captured and converted into usable electrical energy. Due to its high electromechanical coupling and piezoelectric coefficients, piezoelectric transduction is a superior mechanical energy harvesting mechanism when compared to electrostatic, electromagnetic, and triboelectric transduction. The scientific community is thus most interested in piezoelectric energy harvesting. Micro- and nanoscale advancements in materials and manufacturing techniques enable the fabrication of piezoelectric generators with advantageous features such as electromechanical coupling coefficient, piezoelectric coefficient, flexibility, ductility, and integrability for a variety of applications became Furthermore, as technology in the electronics industry advances, smaller devices with lower power consumption become available on the market. As a result, many electronic devices are expected to be powered by piezoelectric generators in the near future. This white paper provides an in-depth look at the current state of the art in piezoelectric energy harvesting. We review piezoelectric energy conversion principles and describe the working mechanisms and modes of operation of piezoelectric generators. Recent research on inorganic, organic, composite, and bio-inspired natural piezoelectric materials is discussed.Examine nano-, micro-, and mesoscale piezoelectric energy harvesting applications in transportation, structures, air and water applications, intelligent systems, microfluidics, biomedical, wearable and implantable electronics, and tissue regeneration.To do. Advances, limitations, and potential improvements in piezoelectric energy harvesting technology materials and applications are discussed. In summary, this review covers a wide range of piezoelectric materials used in wireless electronics for clean power delivery.

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ENERGY HARVESTING USING HUMAN FOOT

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The aim of this paper is to study the effect of Inferiority and Insecurity on Adjustment among college students. Inferiority feelings are those general human feelings of incompleteness, smallness, weakness, unawareness, and dependency included in our first experiences of ourselves in infancy and early childhood. Insecurity is an inner feeling of being threatened and/or inadequate in some way. Being insecure means feeling anxious and fearful about yourself or something in your life. Adjustment is the behavioral process by which humans and other animals maintain equilibrium among their various needs or between their needs and the obstacles of their environments. A well-adjusted person is aware of his own strength and limitation, respects himself and others, has adequate level of aspiration, has flexibility in behavior, has the capacity to deal with adverse circumstances. A sample of 60 college students was taken. Inferiority & Insecurity Questionnaire developed by Dr. G.C. Pati (1976) and Adjustment Inventory developed by H.S. Asthana (1968) were used to collect data. Correlation coefficients were calculated from the obtained data. Findings suggest that inferiority and insecurity has negative effect on adjustment among college students (r1= -0.40 and r2= -0.66).

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Inferiority, insecurity, adjustment, college students

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ARTIFICIAL INTELLIGENCE ALGORITHM BASED ONLINE APPLICATION ABSTRACT Dr.R.Jamuna, Associate Professor in Computer Science,S.R.College,Trichy-2, and Ms.P.Kiruthika Rahini, Lecturer,Department of Computer Science,S.R.College,Trichy-2 Artificial intelligence is the simulation of human intelligence process by implemented by machines, like computer systems. The interaction between computers and human being is always interesting and challenging. An automatic answer checker software checks and marks written answers just as manual checking. This software application is built to check subjective answers in an online test and allocate marks using camera after verifying the answer. The system requires you to store the original answer for the system. This facility is provided to the administrator alone. The admin may insert questions and respective subjective answers in the system. In this project the admin can login the system using his/her user name and password. After the login process the admin can add and view the student details. The admin can upload the class video link to the student. The student can login the system using his/her register number. Once student logins to the test, webcam be switched on and video played is uploaded by the admin. After completing the video, the student can view the test questions when he/she does not using the skip or exit option during playing of the video. The student can attend the test by viewing the score option. The system uses artificial intelligence concepts like depth first search or breadth first search to verify the answers and allocate the marks as human intervention of correction. In this project work the entire process so designed to be maintained and monitored by admin alone.

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Key words: Artificial intelligence, BFS, DFS, JSP, MYSQL.

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This study has been undertaken to determine the estimated number of wetland and wetland dependent birds observed during the migratory season and find out their diversity in different wetland area of Gumla district. The threats to the specific wetlands were identified and possible recommendations have been suggested. During the study estimated number of 3,784 wetland birds and wetland dependent birds belonging to 41 species and 13 families were recorded. Out of these 33 species were wetland birds (WB) and 8 species were wetland dependent birds (WDB). Out of 41 species, 17 species were resident birds (R) while 9 species was resident migrants (RM), and rest 15 species were winter migratory (WM) birds. Estimated number of 1053 were migratory birds. The maximum number of birds was observed at Sisi Katri dam /Banki Reservoir (1887) followed by Nawagain dam/ Upper Sankh Reservoir (802), Datli Dam (410), Masaria Dam (375), and the minimum number was seen at Dhan Singh dam (310). A comparison between residential status (Resident, Resident Migratory, Winter Migratory) and habits (Wetland Bird, WDB- Wetland Dependent Bird) were made for all five wetlands. The highest number of Migratory and Resident birds were observed at Sisi Katri wetland followed by Upper Sankh wetland, Masaria wetland, Datil wetland and Dhan Singh wetland. The highest number of Wetland birds were observed at Sisi Katri wetland, followed by Upper Sankh wetland, Datil wetland, Masaria wetland and Dhan Singh wetland. The maximum number of species (n =11) recorded from the study area belonged to the family Anatidae comprising of ducks and geese. This was followed by the families Ardeidae (herons, egrets, and bitterns) represented by eight species, and Alcedinidae, Motacillidae, Phalacrocoracidae, and Rallidae represented by three species, respectively. Of the rest, seven families were represented by one to two species only.

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Wetland birds, Gumla, Dhan Singh dam, Datil wetland, Masaria wetland, Sisi Katri dam /Banki Reservoir, Upper Sankh Reservoir.

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Digitisation, Improved banking services, Virtual banking, Policy measures

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Abstract Objective: Water is vital components of life support system and the quality of the water pivotal role in the maintenance of aquatic health. Sugar mill refinery effluent containing some toxic substances put forth a huge impact on watershed management and crop plants. Toxic metals are hazardous which can stimulate morphological and histological changes in finger millet (Eleusine coracana (L.) Gaertn.). Hence, the present study aimed to analyze the yield and surface morphological changes in the finger millet crop. Materials and Methods: The healthy seed of finger millet variety (CO-13) was taken. Finger millet was cropping with different concentrations (10, 25, 50, 75 & 100 %) of sugar mill effluent. The seeds irrigated with tap water were treated as control. After, the SEM images of the finger millet after growing in 10 g of sugar mill treatment, respectively. Although the SEM images show nuclear precipitation of metals, the percentage of elements in the Eleusine coracana was analyzed by EDX. Result: The highest plant growth was analysed in 10 % of sugar mill effluent concentrations. A scanning electron microscope equipped with an energy dispersive X-ray spectrometer was used to observe and analyse the morphology of the isolates incubated in the presence of Mn, Zn, P, K, Mg, Fe, Zr, S and Cu in the root and leaf of Eleusine coracana (L.) Gaertn.

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Key words: Sugar mill effluent, Eleusine coracana, SEM (EDX), Toxic substances.

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5S is one of the tools of Lean Management enabling them to organize work in an effective way. It could be implemented in all spheres of the company. The article provides the theoretical description of Lean Management and 5S and also shows a case study based on gained experience. The author also describes the problems that occurred during the implementation of the 5S.

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5s, company, operation

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Cost Reduction, Cost Control, Radialization, Organization, Profit and Budget

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Amazon is a multinational technology company which target or focuses on digital streaming, artificial intelligence, e-commerce, cloud computing and digital streaming which is totally dependent on the internet. Amazon is referred or known as one of the influential economic and cultural forces in the world and it comes under the world most valuable brands in the world which can create positives impact on any country trade. A gap has been identified following a review of studies conducted by different experts identified. The researchers looked at how internet shopping was introduced how it developed, how customers used it what they thought of it how successful it was, and any security or delivery related problems. However, there are small number of scholars had examined the problem in services. Regarding the Amazon services and its impact globally this gap has been discovered and current study was handled by it. Both primary and secondary data were used in the study. We find that 52 percent of respondents agree that transportation impacted the international trade, 18 percent of the respondents are agreed that transportation not impacted, and 30 percent of the respondents agree that sometimes its impacted. Overall, this analysis could be beneficial in understanding the factors that have contributed to Amazon's success as a global internet company, as well as the ways in which Amazon has disrupted traditional retail models and impacted local businesses in India.

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Internet company, positive impact on trade, services, transportation and local business

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Advertising is a powerful form of social and commercial communication through any of the established mass media such as the press, radio, television, and film. One of the most crucial tools of marketing communications, advertising is a strong communicative force that is highly visible and aids in the sale of goods, services, concepts, and other things. Many people think that advertising captures the demands of the moment. There are commercials everywhere, whether one likes them or not. Overcome the effect of advertising on anyone advertising literacy plays a very crucial role. It prevents society from the harmful effect of advertising. this literature review examines the concept of advertising literacy among young adults, with a focus on empirical research conducted in the past decade. Advertising literacy refers to individuals' ability to critically evaluate and understand advertising messages and has become an increasingly important topic as advertising pervades modern society. The review analyzes studies that investigate the factors that influence advertising literacy, including demographics, media use, and education level. Additionally, the review explores the impact of advertising literacy on consumer behavior and decision-making. The findings suggest that while advertising literacy varies among individuals, it can be improved through education and media literacy programs. The review concludes by highlighting the need for further research in this area, particularly about the effectiveness of advertising literacy interventions.

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TV advertisements, advertising literacy, young adults

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Customer Experience, Digital Marketing, Indian Hotels.

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Bowl shaped depression, Bundelkhand Granite, Geomorphic Unit, Urban Heat Island

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Group Cohesion, Winners, Losers

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Pride month comes as a celebratory period where the LGBT community celebrates self-expression. This also comes as a period where brands all over the world color their logos in rainbow colors to show their support for the LGBT community. However, there is much to doubt about brands' intentions as their rainbow-colored logos resort back silently as the pride month passes. This might appear immoral, unethical, and inauthentic to many LGBT community members. This research attempts to unearth the factors that lead to LGBT brand authenticity. Antecedents were subjected to multiple regression to further identify the antecedents most predictive of LGBT brand authenticity.

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Advertisement, LGBTQ, LGBT Brand Authenticity

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The majority of India's population lives in arid and semiarid regions, where precipitation is scarce, making agriculture a crucial industry. Thus, farmers have started growing pulses like chickpeas, lentils, peas, and green gram to feed people. In these areas, black gram is one of the most common crops. Yields were poor because to the lack of water and nutrients (most nutrients are inaccessible owing to strong bonding with soil particles, and most nutrients are in the air gaseous form, principally nitrogen), which were also scarce. Farmers use excessive amounts of artificial fertilizers, which boost productivity but weaken the soil and kill off the biota. Biofertilizers, such as Rhizobium strains, PSB (phosphate solubilizing bacteria), VAM (vascular arbuscular mycorrhiza), Cyanobacteria, and other microorganism fertilizers, play a crucial role in pulse crops by increasing nutrient uptake in crops through the formation of nodules in their roots, which aids in the Mineralization process and converts the unavailable form of nutrient into a usable one.

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Agriculture; Biofertilizers; fixing; pulses;

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Rev. Rhenius's Geographical Book Review

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