Volume 12 | Issue 3

 Abstract

Capital Adequacy ratio and NPAs are the determinant of Credit risk management.First will discuss about the term "credit risk" describes the risk associated with lending money to a customer who fails to pay the money. If the customer defaults on the loan, the bank will be at threat of losing money since it won't get the principle and interest from the borrower.Nonetheless, the goal of credit risk management is to lower risk by using CRM tools, customer analysis, etc. from Good CRM Losses can be avoided by urban cooperative banks. For this Research paper, the focus has been on urban banks because the researcher has visited a lot of urban cooperative banks, many of which do not have a CRM department. In this research paper the dependent variables are ROA and ROE, while the independent variables include the capital adequacy ratio, non-performing assets etc.In order to examine the relationship between two variables, this study used Pearson correlation.NPA and ROA have a negative relationship. Additionally, negatively connected are NPA and ROE. ROE and CAR have a favorable correlation.

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Key Words: Credit Risk, Credit risk Management, ROA, ROE,NPA, CAR

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Abstract The distinguished Commonwealth Writer Githa Hariharan was born in Coimbatore in 1954. She was raised in Manila and Bombay. In the United States, she earned her B.A. in English from Bombay University and her M.A. in Communications from Fairfield University in Connecticut. Before returning to India, she worked for the Public Broadcasting System in New York. Before writing full-time, she worked as an editor at Bombay, Chennai, and New Delhi publishing houses. Her creations showed how myth, tradition, imagination, and fable have been reinterpreted. Githa Hariharan has significantly contributed to Indian English literature since authorizing several novels and short tales.

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Commonwealth,

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The success and failure of a company is significantly influenced by the employee performance. Therefore it is crucial to regularly study and understand the mindset so it is highly important to study the mind-set of the employee frequently so that the company of employees to drive improvements within the company. In this context, this study conducted a comprehensive analysis of job descriptions at Taha Leather, a prominent company in Vaniyambadi, a rapidly significant emphasis on the role of women employees in the workforce. The researcher collected data from 200 employees through a combined interview and questionnaire method. This study considered various factors to describe the job within the Taha Leather industry. Factor analysis was employed to categorise these factors. The study concluded by identifying and naming the various factors obtained through factor analysis.

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Job Descriptions, Employee performance. Mind-set, Significant influence

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Abstract: A transdermal patch is an adhesive that has been medicated and applied to the skin to transfer a predetermined dosage of medication through the skin and into the bloodstream. Several non-invasive administrations have recently emerged as alternatives to conventional needle injections. TDDS has potential applications not only in the pharmaceutical industry but also in the skincare industry, which encompasses cosmetics. With an average adult's surface area of 2 m^2, the skin receives about 1/3 of the blood that flows through the body. Over the past few decades, the development of controlled medication delivery has gained importance in the pharmaceutical industry. Per square centimetre, there are typically 200-250 sweat ducts and 10-70 hair follicles on the surface of human body.

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KEYWORD: TDDS, the pharmaceutical industry used, skin care.

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Music is a very effective means of boosting mood and reducing stress and anxiety. Music therapy helps in improving wellbeing and mental health. According to the population census, the geriatric population is nearly 149 million in India in 2023, among which one in five suffers from mental health concerns where 75% of them have chronic stress, 50% insomnia symptoms and more than one in ten older adults have major depression. Music therapy is found to be effective in improving mental health and sleep quality among the elderly. The present study aims at evaluating and drawing a comparison between the effect of music therapy on psychological distress and depression among geriatric individuals of West Bengal. 80 geriatric individuals residing in residence and old age home of West Bengal were assessed for the study using the General Health Questionnaire (GHQ) and Geriatric Depression Scale (GDS) to measure psychological distress and depression respectively. The major findings of the study reveal that music therapy has an impact on geriatric population. Music therapy have been found to be effective in reducing psychological distress and depression among the participants.

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Geriatric population, psychological distress, depression, music therapy

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In today's fast-paced world, efficient management of canteens has become crucial to meet the demands for quick service and enhanced user experiences. Traditional manual systems are often plagued by long queues, and a lack of data-driven insights. To address these challenges, we propose a Canteen Automation System that uses mobile technology to streamline operations and provide a friction-less experience for both customers and canteen staff. This system enables users to register online, browse menu, and place orders through a dedicated Android application. It offers advantages such as automated ordering, detailed order summaries, reduced paperwork, and time efficiency. With distinct logins for students, teachers, canteen staff, and administrators, the system provides tailored functionalities to each stakeholder. Additionally, personalized recommendations based on users' order history enhance the overall user experience. In this paper, we present the design and implementation of the Canteen Automation System, outlining its key features and functionalities. We also discuss the benefits it offers to canteen operations and user satisfaction. Furthermore, we explore the potential for future enhancements and research opportunities in the realm of automated food service systems.

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Canteen automation, Online food ordering, Mobile technology, Automated ordering, Personalized recommendations

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This study has been undertaken to investigate the issues of social outcastes and exclusion in Indian society. India is a hierarchical society. Whether in north India or south India, Hindu or Muslim, urban or village, virtually all things, people, and social groups are ranked according to various essential qualities. Although India is a political democracy, notions of complete equality are rarely witnessed in daily life. Societal hierarchy is evident in caste groups, amongst individuals, and in family and kinship groups. Castes are primarily associated with Hinduism, but caste-like groups also exist among Muslims, Indian, Christians, and other religious communities. Whether it's the most densely populated and less developed state like Bihar or the synonym of literacy champion Kerala; caste system has crept in every nook and corner of society. Arundhati Roy's The God of Small Things is a bitter, poignant portrayal of caste mechanics in so called education paradise of India. Be it the Syrian Christian community or self-acclaimed communists Hindu Brahmins- all seem to bury deep in this Casteopolis or what I prefer to call Castetopia.

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Caste, Exclusion, Social Outcast, Untouchables, Casteopolis

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Mivan technology, also known as Aluminum Formwork System, is a modern construction technique that utilizes aluminum formworks to create cast-in-place concrete structures efficiently. This method replaces traditional formwork made of wood or steel with lightweight and reusable aluminum panels, resulting in faster construction cycles, improved quality, and cost-effectiveness. Mivan technology is widely used in residential, commercial, and industrial projects due to its versatility, speed, and sustainability. Mivan technology used in India and its comparative analysis with conventional formwork with its cost, time and construction efficiency

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Mivan Aluminum sheets, Formwork cost, time, comparison, speed

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In the current time, the immense growth in population creates hygienic terrain for the cities of the society with respect to the waste generation. This rapid-fire generation of waste leads to colorful contagious conditions in the terrain. As followed by the traditional external system, in our surroundings, we can see over flooding of solid waste in the scrap lockers. Solid waste operation is a vital aspect in traditional systems and it's getting dangerous in utmost populated areas. laborious labor workshop and costs are needed to manage and cover scrap lockers in real time. To maintain the cleanliness of a megacity and for real- time monitoring of trash lockers, a smart caddy medium( SBM) for smart metropolises is proposed in this paper, which is grounded on Artificial Intelligent of effects ( AIoT).The SBM works on the 3R conception, that is, Reduce, Reclaim, and Reuse. The SBM has the access to get real- time information about each caddy and avoid overloading of these lockers (1). The proposed frame reduces the labor cost and saves time and energy of the system. It also reduces the rate of complaint infections by keeping the metropolises clean. Fuzzy sense is used for decision- making in opting applicable locales in the metropolises to install trash lockers. The frame is enforced in the multiagent modeling terrain, that is, Net totem.

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Trash Bin, Smart Cities, SBM

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Intrusion detection systems (IDS) are secure for protecting computer networks, and this study suggests an efficient IDS designed specifically for small to medium-sized networks. The system combines the decision tree algorithm with a machine learning framework by blending traditional anomaly detection with signature-based techniques. This combination provides a comprehensive system for detecting and responding to suspicious activities. The system strikes a compromise between accuracy and resource utilization by using lightweight algorithms and rule-based procedures, with a focus on the decision tree algorithm. The integration improves intrusion detection accuracy and overall system performance. The system's simplicity allows for quick deployment and maintenance, making it an effective solution for network security reinforcement. Testing findings confirm its ability to identify frequent network intrusions, making it a practical and cost-effective security solution for businesses with small to medium-sized networks.

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IDS, LAN network, Machine learning, Decision tree Algorithm, Signature-based detection.

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Abstract: Governments' desire to safeguard public health led to the creation of the relatively new field of regulatory affairs (RA), also known as government affairs. RA regulates the efficacy and safety of goods like pharmaceuticals, medical devices, pesticides, veterinary medicines, cosmetics, agrochemicals, and complementary medicines. The registration of pharmaceutical items is a subject of pharmaceutical regulatory affairs. Different registration criteria for pharmaceutical products are covered by pharmaceutical drug regulatory affairs. As a result of the desire of people all over the world to protect the public health, a new profession called pharmacy was created. This profession covers not only the field of pharmacy, but also veterinary medicine, medical devices, insecticides, pesticides, agrochemicals, cosmetics, and complementary medicine.

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Keywords : Regulatory affairs, Pharmaceutical products, Medicines, Agrochemicals.

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n the digital age, where information is just a click away, one might wonder about the relevance of libraries, Given that information can be accessed instantly in the digital age, one may question the continued value of libraries--those ancient establishments that have long served as repositories of knowledge. But libraries change along with societies. One of the creative modifications that has surfaced is the idea of mobile libraries. These mobile book libraries bypass physical and social boundaries to provide literature and education directly to communities in just a click. In a time of swift technological progress and widespread internet access, mobile libraries could seem like a thing of the past. Still, these itinerant libraries of information remain indispensable for advancing reading, encouraging civic participation, and healing rifts in global communities. This in-depth essay explores the many facets of mobile libraries, including their history, relevance, influence, operating models, difficulties, innovations, and potential futures. In this article, we delve into the world of mobile libraries, exploring their significance, evolution, impact, and future prospects.

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Mobile library, innovation, challenges, librarian

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The system aims to streamline attendance tracking in diverse settings, ensuring accuracy and efficiency. Through the integration of deep learning algorithms, facial features are extracted and matched with a pre-existing database, enabling seamless identification. The proposed system offers a user-friendly interface, real-time monitoring, and reliable attendance records, addressing the limitations of traditional methods. The study highlights the potential for widespread adoption in educational institutions and corporate environments, contributing to enhanced time management and resource optimization. This system leverages advanced facial recognition algorithms to identify and authenticate individuals, eliminating the need for manual attendance marking. The abstract focuses on the integration of cutting-edge technology to enhance accuracy and efficiency in attendance management, ultimately contributing to a more automated and secure educational or organizational environment.

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Face Recognition , Face Detection , Image Processing , Automated Attendance , Python , Computer Vision , Real-Time Processing .

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The outbreak of the COVID 19 crisis has given rise to online classes that have changed the way of learning. EDUTEACH E-learning platform has been carefully designed to enhance the learning and teaching process to meet different learning styles and needs. It uses python anaconda scripts to provide a learning environment that supports personal development and learning success with an easy-to-use user interface. It provides unparalleled flexibility in training programs through prioritization, efficiency and customer reach. With good understanding, users can find, store, export, save, use and visualize information to benefit a dynamic business. EDUTEACH offers comprehensive courses and easy-to-use templates so students can easily search and enroll. By using rich online resources and classroom libraries, students can step outside the traditional classroom and embark on an independent learning journey. It also offers an alternative to traditional teaching, making quality education free and accessible to everyone.

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Learning Platform, sequential convolutional neural network, deep learning.

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In today's fast-paced and competitive world, life has become increasingly demanding and uncertain. People's lifestyles, personal and family needs, expectations, and financial planning are influenced by a variety of factors. As social beings, it is crucial for individuals to ensure their own safety and that of their families. While many consider life insurance solely in the context of death, its importance extends beyond that. Even if you lead a healthy life and anticipate a long one, there will come a point - retirement - where you will no longer be working actively. During this phase, your regular income is likely to diminish. A comprehensive life insurance policy can help address these concerns. It is imperative for individuals and families to effectively manage present and future challenges and risks. With human progress, it becomes essential to be prepared for and adept at handling both natural and man-made disasters. As living standards improve, maintaining physical and financial security becomes paramount. People seek to mitigate the potential risks to life and property. Life is invaluable, and a life insurance policy helps bridge the financial gap that may arise from the sudden loss of the primary earner in a family. Therefore, having adequate life insurance coverage is crucial for individuals and their families. The concept of insurance emerged as a means to ensure financial security by addressing this gap. Insurance has evolved from merely compensating for loss of life or property to encompassing provisions for the future, education of children, and compensation for losses due to theft, fraud, robbery, natural disasters, and other emergencies. Today, insurance is not just a financial product but a fundamental necessity in modern life and commerce.

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Life Insurance, IRDA, LIC, Growth of Insurance Sector, Government Initiative

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Abstract: The death rate due to heart disease is one of the major global causes of increased mortality. Heart diseases are also called heart and blood vessel diseases. One of the main obstacles in clinical data analysis is to detect heart disease early. This underscores the need for effective early detection and prevention strategies these statistics continue to make cardiovascular disease (CVD) as one of the world's leading killer diseases such that its earlier detection and prevention interventions are warranted. The paper examines the use machine learning models in predicting heart disease by using support vector machines (SVM). In order to develop a model, a comprehensive dataset has been used which captures different attributes of patients including demographic information, lifestyle behaviours, and past medical history. SVMs are particularly suitable for large-scale datasets characterized by high dimensions; this approach allows identifying intricate patterns within sample sets without making any assumptions about how they may relate together or why such relationships exist between items found within your data array. Moreover, this study will critically assess and contrast ML algorithms with regards their sensitivity, specificity as well as overall accuracy. The results indicate that each algorithm exhibits distinct strengths in predicting heart disease, thereby providing valuable information to clinicians and healthcare professionals in applying strategies personalized risk assessment strategy. This research contributes to ongoing efforts to leverage ML for proactive and effective cardiovascular health management.

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Keywords: Heart Disease, Cardiovascular disease(CVD), Support Vector Machines, Machine learning, Blood Pressure.

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Labour law is the most vital legislation as it regulates the industrial relations in every legal system across the globe. India's labour laws are decades old and are said to suffer from rigidities and loopholes. Therefore, the reforms were the need of the hour for the changing scenarios in the industrial structure. Taking note of the same, Parliament recently has passed the Code on Wages 2019, which has repealed four central legislations: Minimum Wages Act 1948, Payment of Wages Act 1936, Equal Remuneration Act 1976 and Payment of Bonus Act 1965. The whole idea of codifying the laws was to bring reform and uniformity. Although the Code was passed with an objective to simplify the earlier laws and reduce complexities in various aspects, but it has reproduced the flaws that were existing in repealed legislations. The primary focus of the present paper is to discuss the significance of the Code on Wages 2019 and its impact on labour and industrial relations. The authors also aim to highlight the reforms brought by the Code, the issues and challenges in the Code and suggest some recommendations.

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Labour law, Minimum wages, Equal remuneration, Bonus, Code on Wages

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Heart of darkness is a novella by polish British novelist Joseph Conrad which is between a novel and a short story in length and scope it has the genre as symbolism, colonial literature, adventure tale, frame story, almost a romance in its insistence on heroism and the supernatural and its preference for the symbolic over the realistic. Marlow,Kurtz, General Manager,Brick maker,Chief accountant, pilgrims,Cannibals,Russian trader,Helmsman,Kurtz's African mistress, Kurtz's intended,Aunt,the men aboard the Nellie are the characters involved in this novel. Marlow services as the protagonist of this novel. This novel shows economic freedom, social advancement,an escape from a life of being an employee. It seems that the darkness is infact internalised that it is part of some fundamental if ironic unsoundness. Kurtz dies uttering his last words -the hurror! Kurtz's wife asks what her fiance last words were, but Marlow can not bring himself to shatter illusions with the truth,instead , he tells her that Kurtz's last word was her name. This novel suggests that power inevitably corrupts. In this novel Marlow acts as a guide for the reader. The general manager, the Cannibals the pilgrims are accompanied Marlow on his journey up the river from a central station. The chief accountants' most notable character is his spotless white clothing

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Symbolism, supernatural, protagonist, internalised, unsoundness,wornout, inevitably,barbarian,conspiratorial

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Abstract In the life of a female, the transition from childhood to adulthood occurs during the period of adolescence, which, according to the WHO, extends from 10 to 19 years of age. It starts with the onset of menarche, a milestone in a woman's life, and denotes the beginning of her reproductive capacity as a woman. During this phase, she observes a spurt of growth and development, due to which significant changes occur in her body. Adolescence is a social concept. The adolescent period is a very difficult time for young people. Adolescence, the second decade of life, is a period of rapid growth and development when young people acquire new capacities and are faced with many new situations that create not only opportunities for progress but also a risk to health and well-being. It is the time when growth is accelerated, major physical changes take place, and the differences between boys and girls are accentuated. The specific objectives of the study were to study the socio-economic profile of the respondents, assess the menstrual knowledge of adolescent girls, and examine the attitude and practice of menstrual hygiene among adolescent girls. The present investigation was carried out in the Tirupati urban area of the Chittoor district of Andhra Pradesh. The sampling unit for the study was adolescent girls in the age group of 13 to 15 years. A total of 50 samples were selected for the study from Seven Hills High School. A simple random sampling procedure was followed in the selection of the respondents.

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Keywords: - Knowledge, Attitude, Menstrual Hygiene

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Human eyes can develop a variety of abnormalities as a result of age, injury, and illnesses including diabetes. The main causes of blindness in the globe are diabetic retinopathy, cataracts, macular degeneration, and glaucoma. Early detection and diagnosis of various eye conditions is essential for prompt treatment and stop eyesight loss. This approach can be aided by the diagnosis of many eye diseases through the analysis of medical photographs. Using deep learning, a number of eye disorders may be detected. These include acquiring images, extracting features, classifying or detecting diseases, and extracting regions of interest. In this paper, we suggested a model to identify eye illnesses as uveitis, glaucoma, crossed eyes, bulging eyes, and cataracts using deep learning methods, ResNet and VGG16. We used to get a 92% accuracy rate with ResNet50 and 79% accuracy with the VGG16 model . We can improve accuracy and detection rate while saving doctors' time by automating the detection procedure. The suggested methodology can help with early detection and efficient treatment of eye problems by being included into the healthcare system.

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 Keywords

CNN(Convolutional neural network),Eye disease prediction, Deep Learning

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