The document discusses financial inclusion through Karad Urban Co-Operative Bank over a 10 year period from 2010-2020. Some key findings include:
- Bank membership increased from 43,746 to 75,206 with an annual growth rate of 71.92% and compound growth rate of 6%.
- Bank branches increased from 50 to 64 with an annual growth rate of 28% and compound growth rate of 2%.
- Loans and advances increased from Rs. 76,505 lakhs to Rs. 175,197 lakhs with an annual growth rate of 129%.
- Priority sector lending increased from Rs. 46,718 lakhs to Rs. 74,474 lakhs, remaining over 42% of
Financial Analysis of Axis Bank Services (MBA Finance)Avinash Labade
If any have Need Project Report please call +919011888598 and i will provide only Word File.
and
Project Cost is Rs 500/- Per Project
Send Me Payment Phone Pay or Google Pay
Credit management & npa of co operative bank ltd.1jitharadharmesh
This document provides an overview of the banking industry and system in India. It discusses the different types of banks in India including nationalized banks, private banks, cooperative banks, and specialized banking institutions. It also outlines the structure of the Indian banking system, which consists of scheduled commercial banks, regional rural banks, cooperative banks, and other specialized institutions. The document was submitted as part of a project report on conducting a financial statement analysis of Rajkot District Cooperative Bank in India.
FORECAST ANALYSIS ON SOUTH INDIAN BANK LIMITED WITH SPECIFIC REFERENCE TO ITS...VARUN KESAVAN
South Indian Bank Limited (SIB) is a major private sector bank headquartered at Thrissur in Kerala, India. South Indian Bank has 839 branches, 4 service branches, 45 ext. counters and 20 Regional Offices spread across more than 27 states and 3 union territories in India. It has set up 1307 ATMs and 5 Bulk Note Acceptor/Cash Deposit Machines all over India.
CASE STUDY ON SBI
BRIEF EXPLAINATION OF THE CASE
POST-SBI-VRS SCENARIO
SBI-VRS is not as per expectation of management .. because
STRATEGIES FOR PROPER STAFF COST REDUCTION
Lessons from the case…
CONCLUSION
Institutional shareholders in bangladeshAbdullahais16
The document discusses institutional shareholders in the capital market of Bangladesh. It analyzes data from 303 listed companies across 19 industry sectors on the Dhaka Stock Exchange to examine institutional shareholding. On average, institutional shareholders make up 16.81% of company share capital. Mutual funds have the highest average institutional shareholding at 30.53%. Other sectors with high institutional ownership include tannery, service and real estate, pharmaceuticals, ceramics, and engineering. Many companies have no institutional investors. The shortage of institutional shareholders is hindering the development of Bangladesh's capital market.
The Reserve Bank of India regulates the Indian banking industry. Until 1991, the industry was heavily regulated but reforms since then have liberalized and intensified competition. Today the industry includes public and private sector banks, co-operative banks, long-term lending institutions, non-bank finance companies, and more. In recent years growth has been consistent but high inflation in 2013 impacted some public sector banks' profitability. Rising incomes and economic growth are expected to continue driving growth in the banking sector.
A Study of Agriculture Loan of Kotak Mahindra Bank (MBA Finance)Avinash Labade
Kotak Mahindra Bank is one of India's leading private sector banks, with a history dating back to 1984. The document provides details about a project report submitted by Avinash Dilip Labade to Savitribai Phule Pune University on "A Study of Agricultural Loan" for Kotak Mahindra Bank Shrirampur Branch. The 3-page report includes sections on the certificate, declaration, acknowledgements, index, and executive summary of the project report. It discusses the objectives, methodology, theoretical background, data analysis, findings, conclusions and suggestions of the study on agricultural loans provided by Kotak Mahindra Bank.
This document discusses various techniques of financial analysis used to analyze financial statements, including ratio analysis. It provides background on ratio analysis and defines key financial ratios such as current ratio, quick ratio, debt equity ratio, proprietary ratio, net profit ratio, and capital turnover ratio. Ratio analysis of Punjab National Bank from 2011-2015 is then presented, calculating and interpreting various ratios to analyze the bank's financial performance and position over those years. The ratios indicate the bank has maintained strong liquidity and an increasing equity position over time.
Financial Analysis of Axis Bank Services (MBA Finance)Avinash Labade
If any have Need Project Report please call +919011888598 and i will provide only Word File.
and
Project Cost is Rs 500/- Per Project
Send Me Payment Phone Pay or Google Pay
Credit management & npa of co operative bank ltd.1jitharadharmesh
This document provides an overview of the banking industry and system in India. It discusses the different types of banks in India including nationalized banks, private banks, cooperative banks, and specialized banking institutions. It also outlines the structure of the Indian banking system, which consists of scheduled commercial banks, regional rural banks, cooperative banks, and other specialized institutions. The document was submitted as part of a project report on conducting a financial statement analysis of Rajkot District Cooperative Bank in India.
FORECAST ANALYSIS ON SOUTH INDIAN BANK LIMITED WITH SPECIFIC REFERENCE TO ITS...VARUN KESAVAN
South Indian Bank Limited (SIB) is a major private sector bank headquartered at Thrissur in Kerala, India. South Indian Bank has 839 branches, 4 service branches, 45 ext. counters and 20 Regional Offices spread across more than 27 states and 3 union territories in India. It has set up 1307 ATMs and 5 Bulk Note Acceptor/Cash Deposit Machines all over India.
CASE STUDY ON SBI
BRIEF EXPLAINATION OF THE CASE
POST-SBI-VRS SCENARIO
SBI-VRS is not as per expectation of management .. because
STRATEGIES FOR PROPER STAFF COST REDUCTION
Lessons from the case…
CONCLUSION
Institutional shareholders in bangladeshAbdullahais16
The document discusses institutional shareholders in the capital market of Bangladesh. It analyzes data from 303 listed companies across 19 industry sectors on the Dhaka Stock Exchange to examine institutional shareholding. On average, institutional shareholders make up 16.81% of company share capital. Mutual funds have the highest average institutional shareholding at 30.53%. Other sectors with high institutional ownership include tannery, service and real estate, pharmaceuticals, ceramics, and engineering. Many companies have no institutional investors. The shortage of institutional shareholders is hindering the development of Bangladesh's capital market.
The Reserve Bank of India regulates the Indian banking industry. Until 1991, the industry was heavily regulated but reforms since then have liberalized and intensified competition. Today the industry includes public and private sector banks, co-operative banks, long-term lending institutions, non-bank finance companies, and more. In recent years growth has been consistent but high inflation in 2013 impacted some public sector banks' profitability. Rising incomes and economic growth are expected to continue driving growth in the banking sector.
A Study of Agriculture Loan of Kotak Mahindra Bank (MBA Finance)Avinash Labade
Kotak Mahindra Bank is one of India's leading private sector banks, with a history dating back to 1984. The document provides details about a project report submitted by Avinash Dilip Labade to Savitribai Phule Pune University on "A Study of Agricultural Loan" for Kotak Mahindra Bank Shrirampur Branch. The 3-page report includes sections on the certificate, declaration, acknowledgements, index, and executive summary of the project report. It discusses the objectives, methodology, theoretical background, data analysis, findings, conclusions and suggestions of the study on agricultural loans provided by Kotak Mahindra Bank.
This document discusses various techniques of financial analysis used to analyze financial statements, including ratio analysis. It provides background on ratio analysis and defines key financial ratios such as current ratio, quick ratio, debt equity ratio, proprietary ratio, net profit ratio, and capital turnover ratio. Ratio analysis of Punjab National Bank from 2011-2015 is then presented, calculating and interpreting various ratios to analyze the bank's financial performance and position over those years. The ratios indicate the bank has maintained strong liquidity and an increasing equity position over time.
Punjab National Bank, Ratio Analysis and Industry Analysis. Radhika Bhukania
- The document provides an insight into the financials of Punjab National Bank (PNB), the 3rd largest public sector bank in India.
- It outlines PNB's history since its founding in 1894 and traces its growth over time through acquisitions and expanding operations internationally.
- The document analyzes various ratios like current ratio, net profit ratio, net interest margin, and debt-equity ratio to evaluate PNB's financial performance over the past 3 years compared to other major public sector banks. It finds that PNB's ratios are generally in line with industry averages.
- Non-performing assets have increased for PNB but its capital adequacy and liquidity remain adequate compared to requirements set by the Reserve
The document discusses investment trends at Islami Bank Bangladesh Limited (IBBL) from 2009-2013. It analyzes key metrics such as deposits, investments, and modes of investment. Deposits and investments grew steadily over this period at annual growth rates of 17-25% and 16-24% respectively. The most common forms of investment were Murabaha, which increased from 53% to 59% of total investments, and HPSM, which declined from 35% to 26% over the period. The document provides detailed analysis on the performance of various banking activities and investment schemes of IBBL during 2009-2013.
The State Bank of India (SBI) traces its origins back to 1806 with the establishment of the Bank of Calcutta. Over the decades, other presidency banks were established and eventually amalgamated into the Imperial Bank of India in 1921. The government of India took ownership of the Imperial Bank of India in 1955 and renamed it the State Bank of India. Today, SBI is the largest bank in India by assets and has a wide range of banking services both within India and internationally. As a responsible corporate citizen, SBI is actively involved in various corporate social responsibility initiatives through schemes like community service banking and SBI Youth for India fellowship.
The document provides information about Axis Bank's products and services. It describes various retail banking facilities like ATMs, internet banking, loans, and cash management services. The cash management services help corporate customers in managing receivables through collection solutions and payments through options like bulk payments. It also discusses managing resources through liquidity management and managing taxes using CBDT and CBEC collection services.
The document provides an introduction and background to a study on the sanctioning of term loans. It discusses the importance of the financial system and SME sector for economic development. The objectives of the project are to study the credit appraisal process for sanctioning term loans and working capital loans, understand the CMA data and financial analysis, and learn about the procedures at Bank of Baroda. It outlines the methodology, scope, limitations and structure of the banking industry in India. The major players, operations, and drivers of growth of the banking sector are also summarized.
project report on different post office saving schemesPrakhar Mittal
This document provides an introduction and overview of post office savings schemes in India. It discusses the various types of post office savings options available, including monthly income schemes, public provident funds, national savings certificates, savings accounts, time deposits, senior citizen savings schemes, and recurring deposit accounts. It also reviews literature from other authors that have studied post office savings schemes and investor preferences in India.
11.financial inclusion and performance of rural co operative banks in gujaratAlexander Decker
This document summarizes a research study on financial inclusion and the performance of rural cooperative banks in Gujarat, India. The study found that only 34% of India's population has access to basic banking services, ranking the country 50th out of 100 in financial inclusion. It assessed the level of financial inclusion in rural Gujarat through surveys of 200 villagers. Key findings included that 83% had bank accounts but were not fully using available services. Reasons for lack of inclusion included lack of necessary documents, banking procedures, and financial illiteracy. While regional rural banks and primary agricultural credit societies had good rural coverage, most were running at a loss with high non-performing assets. The study recommends that commercial banks expand into
The document summarizes the proposed merger between IndusInd Bank and Bharat Financial Inclusion. Key points include:
- Bharat Financial Inclusion shareholders will receive IndusInd Bank shares as consideration for merging Bharat Financial into IndusInd Bank. Bharat Financial's operations will become a wholly owned subsidiary of IndusInd Bank.
- The merger aims to create a large network across India focusing on livelihood financing and provide synergies like a lower cost of funding and access to Bharat Financial's large customer base and liability franchise.
- Estimated synergies include reduction in cost of funds, capital release, fee income opportunities, and ability to offer additional financial products to customers
Summer Internship Report for Agri-Business(Priority Sector Lending) at Kotak ...GagZz23696
The target segment for any bank mostly consists of business houses and the area where exchange of goods and services takes place. After nationalization of banks and recent regulations put upon by RBI has limited the profitable opportunities of the banking companies by expanding the banks to rural and under developed areas. It necessitated the branches of bank located near big potential areas to improve their profitability so as to maintain the normal overall profit level in a respectable percentage with regard to competitors.
The Azadpur and Nayabazar mandis are the two potential markets located in New Delhi are the targeted markets from which KMBL intends to intensify its measures to earn more and more profits. As the market deals with traders who deal in retailing and exporting of agricultural products which are mostly perishable, there is a heavy demand for bankers providing fund based working capital financing facilities. So the number of products of working capital and their services has become a deciding a factor for the dealers in the market for choosing the banker.
The document discusses several mergers that have occurred in the Indian banking sector between 2004-2014. It provides details of four notable mergers:
1) In 2004, Global Trust Bank merged with Oriental Bank of Commerce. This increased OBC's branch network and allowed it to gain customers, but also lowered profits initially.
2) In 2008, Centurion Bank of Punjab merged with HDFC Bank. This expanded HDFC's network significantly but also came with challenges of integrating a bank with poorer asset quality.
3) In 2010, ICICI Bank merged with Bank of Rajasthan to strengthen its presence in northern and western India but had to address BOR's non-performing loans.
4) In
This presentation is a outlook of the performance of Islami bank Bangladesh Limited. The presentation includes evaluation of fundamental criteria that a bank needs to analyze to check its performance.
This document is a project report submitted for the partial fulfillment of an MBA degree. It examines NPA (non-performing asset) management in SBI (State Bank of India). The report includes certificates by the student and supervisor. It also includes a synopsis that outlines the objectives, significance and methodology of the study. The objectives are to understand NPAs, examine SBI's NPA position, understand the impact of NPAs on banks, identify reasons for loan default, and suggest measures to reduce NPAs. The significance is that high NPAs reduce bank profitability. The methodology involves a sample survey of bank officials and analysis of secondary data on SBI's NPA levels and ratios over time.
This document provides an overview of a project report on the financial statement analysis of three major banks in India - ICICI, Axis, and HDFC banks - from 2007-2008 to 2011-2012. It includes an introduction outlining the objectives, scope, research methodology, and limitations of the project. It also provides background context on the Indian economy, history of banking in India, and profiles of the three banks analyzed. The document outlines the various chapters that will be included in the full report, such as the accounting policies, tools for financial statement analysis, analysis and interpretation of financial data for the banks, and conclusions.
The document discusses a proposed merger between Bank of India (BOI) and Dena Bank. It analyzes the financial and operational synergies of combining the two banks. A valuation of both banks is performed using a discounted cash flow method. The results suggest the merged entity will have a larger branch network, stronger rural presence, and improved financial metrics like cost of funds and net NPA ratio. The merger aims to create a stronger, more efficient public sector bank.
Merger & Acquisition of HDFC Bank with Centurian Bank of PunjabRohan Solanki
The slides show the details of the largest merger in Indian banking sector between HDFC Bank and CBoP.
The benifits and the side effects of the merger are also highlighted in the following presentation
The document is a report on the practical training completed by Vaibhavi Yogesh Shah at Kotak Mahindra Bank Ltd from May 14, 2013 to June 15, 2013. It provides an overview of Kotak Mahindra Bank, including its vision, history, products and services offered such as savings accounts, current accounts, and loans. The report also describes the various branches, awards received, and milestones achieved by Kotak Mahindra Bank since its establishment in 1985.
This document is a project report on interpreting financial performance and investment opportunities in the banking sector, with a focus on ICICI Bank and State Bank of India. It was prepared by Ahi Bhushan Mukherjee for Finvision Capital Market Pvt. Ltd. The report analyzes the financial performance and technical indicators of ICICI Bank and SBI to determine investment recommendations. Based on the majority of technical indicators, the report recommends a long-term buy on SBI with a target price and stop loss provided.
Financial Performance Analysis of Banking Sector in Indiaijtsrd
The banking sector is the backbone of our economy. It offers a wide range of financial services. The banking industrys growth is dependent on the publics traditional services, such as deposits and loans. The banking sector has a direct impact on economic development. Customer service, deposit and loan facilities, and financial results are all factors that affect the banks ability to grow. The following paper covers the financial performance analysis of the public sector banks. Financial Performance analysis of Selected Public and private Sector Bank State Bank of India, ICICI bank and HDFC bank during the Periods of 5 Financial year 2018 to 2022 . This study based on entirely on secondary data and tools used to Ratio analysis selected public sector banks. Based on the data review the study found that private banks outperformed public sector banks. In the private sector, HDFC Bank outperformed ICICI Bank. Among public sector banks, SBI was observed to be very stable and to offer consistent returns to investors. Dr. Prem Parihar "Financial Performance Analysis of Banking Sector in India" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-7 | Issue-4, August 2023, URL: https://www.ijtsrd.com/papers/ijtsrd59672.pdf Paper Url:https://www.ijtsrd.com/management/accounting-and-finance/59672/financial-performance-analysis-of-banking-sector-in-india/dr-prem-parihar
Cooperative is one of the oldest and effective systems
in terms of development of human civilization. Cooperative
institutions are organized and managed on the principle of
cooperation, self-help and mutual help. There are different
types of cooperative institutions functioning in India. As far as
the institutional credit structure is concerned, cooperatives
play a significant role in this regard. Cooperative credit
institutions are spread all over India and are providing their
services at the grass root level. As main portion of the
population in India lives in rural areas so it is important to
strengthen the cooperative credit institutions in these areas.
The major advantage of the institutions is their strong branch
network which covers entire area of the country. This paper
attempts to study the Co-operative Banking in India. The
paper mainly focuses on the branch networking, capital,
advances, deposits, borrowing, loans issued and outstanding
performance of these banks in India. Basically we have studied
the growth and performance of Co-operative Banks in India.
The study is based on secondary data. The data required for
the study has been collected from RBI annual reports,
Journals, reports on trend and progress of banking in India,
Annual Reports of NAFSCOB etc.
The document provides information about Komal Pandya's summer internship project at Rajkot Nagrik Shakari Bank. It includes a 1-2 sentence summary of each main section, which are:
1) An overview of the bank's history dating back to 1953 and details about its growth over time with increasing deposits, advances, and profits.
2) Details of Komal Pandya's research project on creating awareness about debt instruments at the bank, including the objectives, methodology, data collection and analysis.
3) A list of the bank's main products and services offered to customers such as demand drafts, money transfers, check collection, current accounts and more.
Punjab National Bank, Ratio Analysis and Industry Analysis. Radhika Bhukania
- The document provides an insight into the financials of Punjab National Bank (PNB), the 3rd largest public sector bank in India.
- It outlines PNB's history since its founding in 1894 and traces its growth over time through acquisitions and expanding operations internationally.
- The document analyzes various ratios like current ratio, net profit ratio, net interest margin, and debt-equity ratio to evaluate PNB's financial performance over the past 3 years compared to other major public sector banks. It finds that PNB's ratios are generally in line with industry averages.
- Non-performing assets have increased for PNB but its capital adequacy and liquidity remain adequate compared to requirements set by the Reserve
The document discusses investment trends at Islami Bank Bangladesh Limited (IBBL) from 2009-2013. It analyzes key metrics such as deposits, investments, and modes of investment. Deposits and investments grew steadily over this period at annual growth rates of 17-25% and 16-24% respectively. The most common forms of investment were Murabaha, which increased from 53% to 59% of total investments, and HPSM, which declined from 35% to 26% over the period. The document provides detailed analysis on the performance of various banking activities and investment schemes of IBBL during 2009-2013.
The State Bank of India (SBI) traces its origins back to 1806 with the establishment of the Bank of Calcutta. Over the decades, other presidency banks were established and eventually amalgamated into the Imperial Bank of India in 1921. The government of India took ownership of the Imperial Bank of India in 1955 and renamed it the State Bank of India. Today, SBI is the largest bank in India by assets and has a wide range of banking services both within India and internationally. As a responsible corporate citizen, SBI is actively involved in various corporate social responsibility initiatives through schemes like community service banking and SBI Youth for India fellowship.
The document provides information about Axis Bank's products and services. It describes various retail banking facilities like ATMs, internet banking, loans, and cash management services. The cash management services help corporate customers in managing receivables through collection solutions and payments through options like bulk payments. It also discusses managing resources through liquidity management and managing taxes using CBDT and CBEC collection services.
The document provides an introduction and background to a study on the sanctioning of term loans. It discusses the importance of the financial system and SME sector for economic development. The objectives of the project are to study the credit appraisal process for sanctioning term loans and working capital loans, understand the CMA data and financial analysis, and learn about the procedures at Bank of Baroda. It outlines the methodology, scope, limitations and structure of the banking industry in India. The major players, operations, and drivers of growth of the banking sector are also summarized.
project report on different post office saving schemesPrakhar Mittal
This document provides an introduction and overview of post office savings schemes in India. It discusses the various types of post office savings options available, including monthly income schemes, public provident funds, national savings certificates, savings accounts, time deposits, senior citizen savings schemes, and recurring deposit accounts. It also reviews literature from other authors that have studied post office savings schemes and investor preferences in India.
11.financial inclusion and performance of rural co operative banks in gujaratAlexander Decker
This document summarizes a research study on financial inclusion and the performance of rural cooperative banks in Gujarat, India. The study found that only 34% of India's population has access to basic banking services, ranking the country 50th out of 100 in financial inclusion. It assessed the level of financial inclusion in rural Gujarat through surveys of 200 villagers. Key findings included that 83% had bank accounts but were not fully using available services. Reasons for lack of inclusion included lack of necessary documents, banking procedures, and financial illiteracy. While regional rural banks and primary agricultural credit societies had good rural coverage, most were running at a loss with high non-performing assets. The study recommends that commercial banks expand into
The document summarizes the proposed merger between IndusInd Bank and Bharat Financial Inclusion. Key points include:
- Bharat Financial Inclusion shareholders will receive IndusInd Bank shares as consideration for merging Bharat Financial into IndusInd Bank. Bharat Financial's operations will become a wholly owned subsidiary of IndusInd Bank.
- The merger aims to create a large network across India focusing on livelihood financing and provide synergies like a lower cost of funding and access to Bharat Financial's large customer base and liability franchise.
- Estimated synergies include reduction in cost of funds, capital release, fee income opportunities, and ability to offer additional financial products to customers
Summer Internship Report for Agri-Business(Priority Sector Lending) at Kotak ...GagZz23696
The target segment for any bank mostly consists of business houses and the area where exchange of goods and services takes place. After nationalization of banks and recent regulations put upon by RBI has limited the profitable opportunities of the banking companies by expanding the banks to rural and under developed areas. It necessitated the branches of bank located near big potential areas to improve their profitability so as to maintain the normal overall profit level in a respectable percentage with regard to competitors.
The Azadpur and Nayabazar mandis are the two potential markets located in New Delhi are the targeted markets from which KMBL intends to intensify its measures to earn more and more profits. As the market deals with traders who deal in retailing and exporting of agricultural products which are mostly perishable, there is a heavy demand for bankers providing fund based working capital financing facilities. So the number of products of working capital and their services has become a deciding a factor for the dealers in the market for choosing the banker.
The document discusses several mergers that have occurred in the Indian banking sector between 2004-2014. It provides details of four notable mergers:
1) In 2004, Global Trust Bank merged with Oriental Bank of Commerce. This increased OBC's branch network and allowed it to gain customers, but also lowered profits initially.
2) In 2008, Centurion Bank of Punjab merged with HDFC Bank. This expanded HDFC's network significantly but also came with challenges of integrating a bank with poorer asset quality.
3) In 2010, ICICI Bank merged with Bank of Rajasthan to strengthen its presence in northern and western India but had to address BOR's non-performing loans.
4) In
This presentation is a outlook of the performance of Islami bank Bangladesh Limited. The presentation includes evaluation of fundamental criteria that a bank needs to analyze to check its performance.
This document is a project report submitted for the partial fulfillment of an MBA degree. It examines NPA (non-performing asset) management in SBI (State Bank of India). The report includes certificates by the student and supervisor. It also includes a synopsis that outlines the objectives, significance and methodology of the study. The objectives are to understand NPAs, examine SBI's NPA position, understand the impact of NPAs on banks, identify reasons for loan default, and suggest measures to reduce NPAs. The significance is that high NPAs reduce bank profitability. The methodology involves a sample survey of bank officials and analysis of secondary data on SBI's NPA levels and ratios over time.
This document provides an overview of a project report on the financial statement analysis of three major banks in India - ICICI, Axis, and HDFC banks - from 2007-2008 to 2011-2012. It includes an introduction outlining the objectives, scope, research methodology, and limitations of the project. It also provides background context on the Indian economy, history of banking in India, and profiles of the three banks analyzed. The document outlines the various chapters that will be included in the full report, such as the accounting policies, tools for financial statement analysis, analysis and interpretation of financial data for the banks, and conclusions.
The document discusses a proposed merger between Bank of India (BOI) and Dena Bank. It analyzes the financial and operational synergies of combining the two banks. A valuation of both banks is performed using a discounted cash flow method. The results suggest the merged entity will have a larger branch network, stronger rural presence, and improved financial metrics like cost of funds and net NPA ratio. The merger aims to create a stronger, more efficient public sector bank.
Merger & Acquisition of HDFC Bank with Centurian Bank of PunjabRohan Solanki
The slides show the details of the largest merger in Indian banking sector between HDFC Bank and CBoP.
The benifits and the side effects of the merger are also highlighted in the following presentation
The document is a report on the practical training completed by Vaibhavi Yogesh Shah at Kotak Mahindra Bank Ltd from May 14, 2013 to June 15, 2013. It provides an overview of Kotak Mahindra Bank, including its vision, history, products and services offered such as savings accounts, current accounts, and loans. The report also describes the various branches, awards received, and milestones achieved by Kotak Mahindra Bank since its establishment in 1985.
This document is a project report on interpreting financial performance and investment opportunities in the banking sector, with a focus on ICICI Bank and State Bank of India. It was prepared by Ahi Bhushan Mukherjee for Finvision Capital Market Pvt. Ltd. The report analyzes the financial performance and technical indicators of ICICI Bank and SBI to determine investment recommendations. Based on the majority of technical indicators, the report recommends a long-term buy on SBI with a target price and stop loss provided.
Financial Performance Analysis of Banking Sector in Indiaijtsrd
The banking sector is the backbone of our economy. It offers a wide range of financial services. The banking industrys growth is dependent on the publics traditional services, such as deposits and loans. The banking sector has a direct impact on economic development. Customer service, deposit and loan facilities, and financial results are all factors that affect the banks ability to grow. The following paper covers the financial performance analysis of the public sector banks. Financial Performance analysis of Selected Public and private Sector Bank State Bank of India, ICICI bank and HDFC bank during the Periods of 5 Financial year 2018 to 2022 . This study based on entirely on secondary data and tools used to Ratio analysis selected public sector banks. Based on the data review the study found that private banks outperformed public sector banks. In the private sector, HDFC Bank outperformed ICICI Bank. Among public sector banks, SBI was observed to be very stable and to offer consistent returns to investors. Dr. Prem Parihar "Financial Performance Analysis of Banking Sector in India" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-7 | Issue-4, August 2023, URL: https://www.ijtsrd.com/papers/ijtsrd59672.pdf Paper Url:https://www.ijtsrd.com/management/accounting-and-finance/59672/financial-performance-analysis-of-banking-sector-in-india/dr-prem-parihar
Cooperative is one of the oldest and effective systems
in terms of development of human civilization. Cooperative
institutions are organized and managed on the principle of
cooperation, self-help and mutual help. There are different
types of cooperative institutions functioning in India. As far as
the institutional credit structure is concerned, cooperatives
play a significant role in this regard. Cooperative credit
institutions are spread all over India and are providing their
services at the grass root level. As main portion of the
population in India lives in rural areas so it is important to
strengthen the cooperative credit institutions in these areas.
The major advantage of the institutions is their strong branch
network which covers entire area of the country. This paper
attempts to study the Co-operative Banking in India. The
paper mainly focuses on the branch networking, capital,
advances, deposits, borrowing, loans issued and outstanding
performance of these banks in India. Basically we have studied
the growth and performance of Co-operative Banks in India.
The study is based on secondary data. The data required for
the study has been collected from RBI annual reports,
Journals, reports on trend and progress of banking in India,
Annual Reports of NAFSCOB etc.
The document provides information about Komal Pandya's summer internship project at Rajkot Nagrik Shakari Bank. It includes a 1-2 sentence summary of each main section, which are:
1) An overview of the bank's history dating back to 1953 and details about its growth over time with increasing deposits, advances, and profits.
2) Details of Komal Pandya's research project on creating awareness about debt instruments at the bank, including the objectives, methodology, data collection and analysis.
3) A list of the bank's main products and services offered to customers such as demand drafts, money transfers, check collection, current accounts and more.
certificate of paper publication hariharan3900hariharan n
The document analyzes the financial performance of HDFC Bank over a 5-year period from 2016 to 2020 using ratio analysis. Key findings include:
- HDFC Bank's current ratio was above 2 each year, indicating good liquidity and ability to meet short-term obligations. The current ratio increased each year during the period.
- The cash position ratio was also above the ideal level of 0.75 each year, further suggesting strong liquidity. The cash position ratio increased in 2018-2019 but decreased slightly in 2019-2020.
- Overall, ratio analysis found HDFC Bank's short-term solvency and liquidity positions to be sound over the 5-year study period, with ratios generally
GROWTH OF INCOME AND EXPENDITURE ANALYSIS FOR DCCB IN THE DELTA REGIONIAEME Publication
The co-operative movement is a socio-economic movement, and a co-operative society is managed by its members with democratic principles. Co-operation can be understood, and the same may be explained as a society of the members, for the members and by the members. Thus, a co-operative society is formed, regulated and directed by an association of its members, applying the rules of democracy to serve both its members and the community as a whole. This paper has mainly focused on the Thanjavur District, which covers the majority of the delta region in Tamil Nadu. In this district, two DCCBs are selected, namely, Kumbakonam Central Co-operative Bank (KCCB) and Thanjavur Central Co-operative Bank (TCCB), for the study. This research paper is exclusively made from the growth trend of income and expenditure analysis of both KCCB and TCCB. Finally, some common observations are made from the analysis of the DCCBs.
presentation of Saima binte yusuf of patuakhali.pptxsyedrayhan000
This document contains a presentation on the credit management of Dhaka Bank Limited. It begins with welcoming remarks and introduces the presenter and topic of the presentation. The presentation objectives are to analyze the theoretical aspects and procedures of Dhaka Bank's credit management and conduct a comparative performance analysis. It will utilize secondary data sources and analytical tools like trend and comparative analysis. An overview of Dhaka Bank provides background before examining credit types, management processes, and comparative performance metrics like loans over time. Major findings note trends in credit disbursement and classified loans. Recommendations include maintaining growth, diversifying lending sectors and regions, and controlling non-performing loans.
Internship report on js bank by labeeda faridLabeeda Farid
I am student of MBA 1.5 Regular in University of Sargodha session 2014-2016.I have done my internship in JS Bank Rabwah Branch in 2015. This is my internship report on JS Bank as required by the University of Sargodha and JS Bank.
The document discusses the financial performance of commercial banks in India. It provides background on commercial banks and their role in India's financial system. It then reviews previous literature on assessing bank performance and financial ratios. The document also includes a table showing the consolidated balance sheet of public sector banks in India for 2019-20, with capital, reserves, deposits, loans and other line items. Overall, the document examines the financial performance of commercial banks through analyzing their income, expenditures and consolidated balance sheets.
FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN INDIA
Dr.C. PARAMASIVAN Assistant Professor
G.RAVICHANDIRAN Ph.D. Full Time Research Scholar
PG & Research Department of Commerce Periyar E.V.R.College (Autonomous), Tiruchirappalli620023. (Affiliated to Bharathidasan University, Tiruchirappalli, India)
A STUDY ON FINANCIAL PERFORMANCE OF BDCC BANK LTD.ijtsrd
Co-operative banking system is basically an imported concept but it has come to occupy a pivotal and prominent role in the economic liberation of millions of people of our nation. It has emerged as a social and healthy banking institution providing need-based quality banking services essentially to the middle and lower middle classes and the marginalized sections of the society those who consists 75percent of our country. Co-operative Banks have assisted in boosting the growth rate of Indian economy by providing a fillip to agricultural production in the country by making available cheap and hassle free agricultural finance. A healthy co operative banking system is essential for Indian economy striving to achieve growth and remain stable in competitive global business environment. In this juncture the performance of these institutions has been than satisfactory and is deteriorating rapidly. On the other hand some institutions doing their services remarkably. In this way BDCC bank Ltd in Banaskantha district renders its services and meeting the credit requirement of rural, semi urban and urban customers. With this back ground data have been collected and analyzed the financial performance and operational efficiency of Banaskantha District Central Co-operative Bank Ltd (BDCC Bank). Prof. Kesarisinh S. Parmar"A STUDY ON FINANCIAL PERFORMANCE OF BDCC BANK LTD." Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-1 | Issue-6 , October 2017, URL: http://www.ijtsrd.com/papers/ijtsrd2527.pdf http://www.ijtsrd.com/management/accounting-and-finance/2527/a-study-on-financial-performance-of-bdcc-bank-ltd/prof-kesarisinh-s-parmar
What are the Stimulating Factors Affecting NPL in Banking Sector of Banglades...ijtsrd
A well organized, well structured and developed financial sector ensures efficient allocation of financial resources and perks up the competitiveness of the private sector, thereby promoting investment and growth in the real sector. The thrust of the development is to improve the regulatory and governance environment and to enhance the ability of bank owners, management and regulators, and the markets themselves to provide for better governance and regulation to achieve the objectives. In this perspective, improvement of the situation of non performing loan is important. A high volume of non performing loan can never be a boon for the economy. Credit to economy is the main source for financial support of business. On the other side, banks have limited investment tools for their deposits. This study present results from an econometric analysis, favorably Random Effect Model, using pooled panel data collected from the central bank of Bangladesh categorizing four sectors of banking based on the pattern of ownership. Based on the analysis of the bank specific microeconomic factors, which are selected on the availability from reliable sources, used as the regressors, it is observed that the liquidity and the management soundness is more significantly affect the Non performing loan NPL in Bangladesh. Therefore, the recommendation is placed towards formulation policy instruments in favor of solvency rather liquidity. In addition to that, the improvement of managerial efficiency must be sought as well. Ratna Biswas | Mohammed Nazrul Islam | Chanu Gopal Ghosh ""What are the Stimulating Factors Affecting NPL in Banking Sector of Bangladesh? Evidence from Econometric Exercises"" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-2 , February 2020, URL: https://www.ijtsrd.com/papers/ijtsrd29861.pdf
Paper Url : https://www.ijtsrd.com/economics/financial-economics/29861/what-are-the-stimulating-factors-affecting-npl-in-banking-sector-of-bangladesh-evidence-from-econometric-exercises/ratna-biswas
The document discusses the credit appraisal process at Indian Bank. It begins with receiving a loan application which includes documents like balance sheets, KYC papers, registration details, MOA, AOA and property details. Then a pre-sanction visit is conducted and checks are performed on defaulter lists and credit reports. Property documents are obtained from empaneled advocates and valuers. A financial assessment is done and a proposal is prepared. The proposal goes through sanctioning approval by appropriate authorities before documentation, agreements, mortgages and loan disbursement. Key steps in the process include the application form, top sheet, sanction letter and appraisal.
A Dissertation Report On Service Quality Dimension Impact On Customer Satisfa...Tony Lisko
This document is a dissertation report submitted by Akuthota Sankar Rao for the partial fulfillment of the requirements for a Master's degree in Business Administration. The dissertation examines the impact of service quality dimensions on customer satisfaction at regional rural banks in Orissa, India. It provides background on regional rural banks in India, outlines the objectives and methodology of the study, and presents an analysis of data collected from customers of two branches of Utkal Grameen Bank in Rourkela. The results of the analysis indicate that factors like attention to customer complaints, accessibility of the bank, cleanliness, speed of service, and staff knowledge have a positive impact on customer satisfaction at the bank.
Role of banks in financial inclusion of solapur districtShivaji Shinde
This document discusses the role of banks in promoting financial inclusion in Solapur District of Maharashtra, India. It provides background on various government initiatives and policies to promote financial inclusion. It also discusses specific measures taken by the Reserve Bank of India to improve credit access for poorer sections. The document contains detailed data and graphs analyzing the branch networks and loan portfolios of different banks in Solapur District from 2007-2012. It shows which banks have the highest deposits, advances, priority sector lending and in specific sectors like agriculture. It also provides taluka-wise analyses of the top 5 banks in each taluka for the period of 2011-2012.
Changing Issues Related to Declining of Non-Performing Assets in Banksijtsrd
This paper explores an empirical approach to the analysis of Non Performance Assets NPAs of public, private, and foreign sector banks in India. the NPAs are considered as an important parameter to judge the performance and financial health of banks. The level of NPAs is one of the drivers of financial stability and growth of the banking sector. This paper aims to find the fundamental factors which impact NPAs of banks. A model consisting oftivo types of factors, viz., macroeco nomie factors and bank specific parameters, is developed arid the behavior of NPAs of the three categories of banks is observed. The empirical analysis assesses how macroeconomic factors and bank specific parameters affect NPAs of a particular category of banks. The results show that movement in NPAs over the years can be explained well by the factors considered in the model for the public and private sector banks. The other important results derived from the analysis include the finding that banks exposure to priority sector lending educes NPAs. The Impact of competitive culture of public,, private, and foreign sector banks in India with in themselves helpes in declining of NPAs from banks. Dr. Mohan S. Rode "Changing Issues Related to Declining of Non-Performing Assets in Banks" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-1 , December 2019, URL: https://www.ijtsrd.com/papers/ijtsrd29684.pdf Paper URL: https://www.ijtsrd.com/management/other/29684/changing-issues-related-to-declining-of-non-performing-assets-in-banks/dr-mohan-s-rode
Merger of Banks with Reference to Central Government Schemeijtsrd
The Banking Companies Acquisition and Transfer of Undertakings Acts of 1970 and 1980 provide that the Central Government, in consultation with the Reserve Bank of India RBI , may make a scheme, inter alia, for the amalgamation of any nationalised bank with any other nationalised bank or any other banking institution Various committees, including Narasimhan Committee 1998 constituted by RBI, Leeladhar Committee 2008 chaired by RBI Deputy Governor, and Nayak Committe 2014 constituted by RBI, have recommended consolidation of Public Sector Banks PSBs given underlying benefits synergies. Taking note of this and potential benefits of consolidation for banks as well as public at large through enhanced access to banking services, Government, with a view to facilitate consolidation among public sector banks to create strong and competitive banks, serving as catalysts for growth, with improve risk profile of the bank, approved an approval framework for proposals to amalgamate PSBs through an Alternative Mechanism AM . AM, after consulting RBI, in its meeting held on 17.9.2018, approved that Bank of Baroda, Vijaya Bank and Dena Bank may consider amalgamation of the three banks. Banks have since considered amalgamation and the Board of Dena Bank has recommended the same, while Boards of Bank of Baroda and Vijaya Bank have given in principle approval therefor. RBI has furnished bank wise total income of PSBs and private sector banks in the financial year FY 2017 18 in this regard, which is given in Annexure.Over the last four and half years, Government has pursued a comprehensive approach for addressing non performing assets NPA issues. Key elements are as under Recognising NPAs transparently Forbearance has been ended and stressed assets classified as NPAs under the Asset Quality Review AQR in 2015 and subsequent recognition by banks. Further, restructuring schemes that permitted such forbearance have been discontinued in February 2018. As a result, as per RBI data, Standard Restructured Assets SRAs of Scheduled Commercial Banks SCBs have declined from the peak of 6.5 in March 2015 to0.49 in September 2018.Resolving and recovering value from stressed accounts through clean and effective laws and processes A fundamental change has been effected in the creditor debtor relationship through the Insolvency and Bankruptcy Code, 2016 IBC and debarment of wilful defaulters and connected persons from the resolution process. A sizeable proportion of the gross NPAs of the banking system are at various stages of resolution in National Company Law Tribunal NCLT . To make other recovery mechanisms as well more effective, Securitisation and Reconstruction of Financial Assets and Enforcement of Securities Interest SARFAESI Act has been amended to provide for three months imprisonment in case borrower does not provide asset details, and for lender getting possession of mortgaged propertywithin30 days, and six new Debts Recovery Tribunal DRTs have been established. As a resu
The document summarizes major scams, irregularities, and heists in the Bangladeshi banking sector over the past decade. It details several instances where state-owned, private, and foreign commercial banks embezzled funds totaling billions of taka through fraudulent loans and money laundering. In response, the Anti-Corruption Commission filed cases against bank officials and borrowers, while the Bangladesh Bank appointed observers or conducted audits at troubled banks. Overall, widespread corruption and mismanagement have undermined the stability and performance of the banking sector.
A Study on Funds Flow Analysis at Siflon Drugs, Anantapurijtsrd
Fund flow analysis can reveal the strength and weakness in utilization of available fund for business purpose. Fund flow statement is one of the valuable tools of management to evaluate the uses of funds by the organization. Funds flow statement is a statement which discloses the analytical information about the different sources of a fund and the application of the same in an accounting cycle. This study is based on secondary data for 5 years viz., 2016 2017, 2017 2018, 2018 2019,2019 2020, 2020 2021 annual reports and website . This study will provide to know various inflows and outflows of funds. P. Snigdha Mounika | Dr. P. Basaiah "A Study on Funds Flow Analysis at Siflon Drugs, Anantapur" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-6 | Issue-6 , October 2022, URL: https://www.ijtsrd.com/papers/ijtsrd51922.pdf Paper URL: https://www.ijtsrd.com/management/other/51922/a-study-on-funds-flow-analysis-at-siflon-drugs-anantapur/p-snigdha-mounika
Liquidity Management of Standard Bank Limited: A Study on CDA Avenue Branch,...Md. Erfanul Hoque
This document summarizes a study on the liquidity management of Standard Bank Limited in Bangladesh. It discusses Standard Bank's liquidity position and ratios from 2013-2016. The bank maintained adequate reserves to meet regulatory requirements but faced some short-term liquidity gaps. The study recommends that Standard Bank improve its liquidity management strategies and policies to better deal with liquidity risks and disruptions. Diversifying funding sources and maintaining sufficient high-quality liquid assets were also suggested.
- Assist customers with basic banking needs like deposits, withdrawals, account opening etc.
- Process basic transactions like fund transfers, cheque clearances etc.
- Handle cash management and reconciliation.
- Provide customer service and address queries.
Probationary Officer:
- Analyze financial data and evaluate loan applications.
- Approve or decline loans based on credit worthiness of customers.
- Monitor loan accounts and ensure timely repayment.
- Cross-sell bank's products and acquire new customers.
- Handle corporate/retail banking functions.
Manager:
- Manage a branch/department and oversee day-to-day operations.
- Achieve business and revenue targets.
- Develop
Similar to Financial Inclusion through Karad Urban Co Operative Bank, Karad (20)
‘Six Sigma Technique’ A Journey Through its Implementationijtsrd
The manufacturing industries all over the world are facing tough challenges for growth, development and sustainability in today’s competitive environment. They have to achieve apex position by adapting with the global competitive environment by delivering goods and services at low cost, prime quality and better price to increase wealth and consumer satisfaction. Cost Management ensures profit, growth and sustainability of the business with implementation of Continuous Improvement Technique like Six Sigma. This leads to optimize Business performance. The method drives for customer satisfaction, low variation, reduction in waste and cycle time resulting into a competitive advantage over other industries which did not implement it. The main objective of this paper ‘Six Sigma Technique A Journey Through Its Implementation’ is to conceptualize the effectiveness of Six Sigma Technique through the journey of its implementation. Aditi Sunilkumar Ghosalkar "‘Six Sigma Technique’: A Journey Through its Implementation" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd64546.pdf Paper Url: https://www.ijtsrd.com/other-scientific-research-area/other/64546/‘six-sigma-technique’-a-journey-through-its-implementation/aditi-sunilkumar-ghosalkar
Edge Computing in Space Enhancing Data Processing and Communication for Space...ijtsrd
Edge computing, a paradigm that involves processing data closer to its source, has gained significant attention for its potential to revolutionize data processing and communication in space missions. With the increasing complexity and data volume generated by modern space missions, traditional centralized computing approaches face challenges related to latency, bandwidth, and security. Edge computing in space, involving on board processing and analysis of data, offers promising solutions to these challenges. This paper explores the concept of edge computing in space, its benefits, applications, and future prospects in enhancing space missions. Manish Verma "Edge Computing in Space: Enhancing Data Processing and Communication for Space Missions" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd64541.pdf Paper Url: https://www.ijtsrd.com/computer-science/artificial-intelligence/64541/edge-computing-in-space-enhancing-data-processing-and-communication-for-space-missions/manish-verma
Dynamics of Communal Politics in 21st Century India Challenges and Prospectsijtsrd
Communal politics in India has evolved through centuries, weaving a complex tapestry shaped by historical legacies, colonial influences, and contemporary socio political transformations. This research comprehensively examines the dynamics of communal politics in 21st century India, emphasizing its historical roots, socio political dynamics, economic implications, challenges, and prospects for mitigation. The historical perspective unravels the intricate interplay of religious identities and power dynamics from ancient civilizations to the impact of colonial rule, providing insights into the evolution of communalism. The socio political dynamics section delves into the contemporary manifestations, exploring the roles of identity politics, socio economic disparities, and globalization. The economic implications section highlights how communal politics intersects with economic issues, perpetuating disparities and influencing resource allocation. Challenges posed by communal politics are scrutinized, revealing multifaceted issues ranging from social fragmentation to threats against democratic values. The prospects for mitigation present a multifaceted approach, incorporating policy interventions, community engagement, and educational initiatives. The paper conducts a comparative analysis with international examples, identifying common patterns such as identity politics and economic disparities. It also examines unique challenges, emphasizing Indias diverse religious landscape, historical legacy, and secular framework. Lessons for effective strategies are drawn from international experiences, offering insights into inclusive policies, interfaith dialogue, media regulation, and global cooperation. By scrutinizing historical epochs, contemporary dynamics, economic implications, and international comparisons, this research provides a comprehensive understanding of communal politics in India. The proposed strategies for mitigation underscore the importance of a holistic approach to foster social harmony, inclusivity, and democratic values. Rose Hossain "Dynamics of Communal Politics in 21st Century India: Challenges and Prospects" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd64528.pdf Paper Url: https://www.ijtsrd.com/humanities-and-the-arts/history/64528/dynamics-of-communal-politics-in-21st-century-india-challenges-and-prospects/rose-hossain
Assess Perspective and Knowledge of Healthcare Providers Towards Elehealth in...ijtsrd
Background and Objective Telehealth has become a well known tool for the delivery of health care in Saudi Arabia, and the perspective and knowledge of healthcare providers are influential in the implementation, adoption and advancement of the method. This systematic review was conducted to examine the current literature base regarding telehealth and the related healthcare professional perspective and knowledge in the Kingdom of Saudi Arabia. Materials and Methods This systematic review was conducted by searching 7 databases including, MEDLINE, CINHAL, Web of Science, Scopus, PubMed, PsycINFO, and ProQuest Central. Studies on healthcare practitioners telehealth knowledge and perspectives published in English in Saudi Arabia from 2000 to 2023 were included. Boland directed this comprehensive review. The researchers examined each connected study using the AXIS tool, which evaluates cross sectional systematic reviews. Narrative synthesis was used to summarise and convey the data. Results Out of 1840 search results, 10 studies were included. Positive outlook and limited knowledge among providers were seen across trials. Healthcare professionals like telehealth for its ability to improve quality, access, and delivery, save time and money, and be successful. Age, gender, occupation, and work experience also affect health workers knowledge. In Saudi Arabia, healthcare professionals face inadequate expert assistance, patient privacy, internet connection concerns, lack of training courses, lack of telehealth understanding, and high costs while performing telemedicine. Conclusions Healthcare practitioners telehealth perceptions and knowledge were examined in this systematic study. Its collection of concerned experts different personal attitudes and expertise would help enhance telehealths implementation in Saudi Arabia, develop its healthcare delivery alternative, and eliminate frequent problems. Badriah Mousa I Mulayhi | Dr. Jomin George | Judy Jenkins "Assess Perspective and Knowledge of Healthcare Providers Towards Elehealth in Saudi Arabia: A Systematic Review" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd64535.pdf Paper Url: https://www.ijtsrd.com/medicine/other/64535/assess-perspective-and-knowledge-of-healthcare-providers-towards-elehealth-in-saudi-arabia-a-systematic-review/badriah-mousa-i-mulayhi
The Impact of Digital Media on the Decentralization of Power and the Erosion ...ijtsrd
The impact of digital media on the distribution of power and the weakening of traditional gatekeepers has gained considerable attention in recent years. The adoption of digital technologies and the internet has resulted in declining influence and power for traditional gatekeepers such as publishing houses and news organizations. Simultaneously, digital media has facilitated the emergence of new voices and players in the media industry. Digital medias impact on power decentralization and gatekeeper erosion is visible in several ways. One significant aspect is the democratization of information, which enables anyone with an internet connection to publish and share content globally, leading to citizen journalism and bypassing traditional gatekeepers. Another aspect is the disruption of conventional media industry business models, as traditional organizations struggle to adjust to the decrease in advertising revenue and the rise of digital platforms. Alternative business models, such as subscription models and crowdfunding, have become more prevalent, leading to the emergence of new players. Overall, the impact of digital media on the distribution of power and the weakening of traditional gatekeepers has brought about significant changes in the media landscape and the way information is shared. Further research is required to fully comprehend the implications of these changes and their impact on society. Dr. Kusum Lata "The Impact of Digital Media on the Decentralization of Power and the Erosion of Traditional Gatekeepers" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd64544.pdf Paper Url: https://www.ijtsrd.com/humanities-and-the-arts/political-science/64544/the-impact-of-digital-media-on-the-decentralization-of-power-and-the-erosion-of-traditional-gatekeepers/dr-kusum-lata
Online Voices, Offline Impact Ambedkars Ideals and Socio Political Inclusion ...ijtsrd
This research investigates the nexus between online discussions on Dr. B.R. Ambedkars ideals and their impact on social inclusion among college students in Gurugram, Haryana. Surveying 240 students from 12 government colleges, findings indicate that 65 actively engage in online discussions, with 80 demonstrating moderate to high awareness of Ambedkars ideals. Statistically significant correlations reveal that higher online engagement correlates with increased awareness p 0.05 and perceived social inclusion. Variations across colleges and a notable effect of college type on perceived social inclusion highlight the influence of contextual factors. Furthermore, the intersectional analysis underscores nuanced differences based on gender, caste, and socio economic status. Dr. Kusum Lata "Online Voices, Offline Impact: Ambedkar's Ideals and Socio-Political Inclusion - A Study of Gurugram District" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd64543.pdf Paper Url: https://www.ijtsrd.com/humanities-and-the-arts/political-science/64543/online-voices-offline-impact-ambedkars-ideals-and-sociopolitical-inclusion--a-study-of-gurugram-district/dr-kusum-lata
Problems and Challenges of Agro Entreprenurship A Studyijtsrd
Noting calls for contextualizing Agro entrepreneurs problems and challenges of the agro entrepreneurs and for greater attention to the Role of entrepreneurs in agro entrepreneurship research, we conduct a systematic literature review of extent research in agriculture entrepreneurship to overcome the study objectives of complications of agro entrepreneurs through various factors, Development of agriculture products is a key factor for the overall economic growth of agro entrepreneurs Agro Entrepreneurs produces firsthand large scale employment, utilizes the labor and natural resources, This research outlines the problems of Weather and Soil Erosions, Market price fluctuation, stimulates labor cost problems, reduces concentration of Price volatility, Dependency on Intermediaries, induces Limited Bargaining Power, and Storage and Transportation Costs. This paper mainly devoted to highlight Problems and challenges faced for the sustainable of Agro Entrepreneurs in India. Vinay Prasad B "Problems and Challenges of Agro Entreprenurship - A Study" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd64540.pdf Paper Url: https://www.ijtsrd.com/other-scientific-research-area/other/64540/problems-and-challenges-of-agro-entreprenurship--a-study/vinay-prasad-b
Comparative Analysis of Total Corporate Disclosure of Selected IT Companies o...ijtsrd
Disclosure is a process through which a business enterprise communicates with external parties. A corporate disclosure is communication of financial and non financial information of the activities of a business enterprise to the interested entities. Corporate disclosure is done through publishing annual reports. So corporate disclosure through annual reports plays a vital role in the life of all the companies and provides valuable information to investors. The basic objectives of corporate disclosure is to give a true and fair view of companies to the parties related either directly or indirectly like owner, government, creditors, shareholders etc. in the companies act, provisions have been made about mandatory and voluntary disclosure. The IT sector in India is rapidly growing, the trend to invest in the IT sector is rising and employment opportunities in IT sectors are also increasing. Therefore the IT sector is expected to have fair, full and adequate disclosure of all information. Unfair and incomplete disclosure may adversely affect the entire economy. A research study on disclosure practices of IT companies could play an important role in this regard. Hence, the present research study has been done to study and review comparative analysis of total corporate disclosure of selected IT companies of India and to put forward overall findings and suggestions with a view to increase disclosure score of these companies. The researcher hopes that the present research study will be helpful to all selected Companies for improving level of corporate disclosure through annual reports as well as the government, creditors, investors, all business organizations and upcoming researcher for comparative analyses of level of corporate disclosure with special reference to selected IT companies. Dr. Vaibhavi D. Thaker "Comparative Analysis of Total Corporate Disclosure of Selected IT Companies of India" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd64539.pdf Paper Url: https://www.ijtsrd.com/other-scientific-research-area/other/64539/comparative-analysis-of-total-corporate-disclosure-of-selected-it-companies-of-india/dr-vaibhavi-d-thaker
The Impact of Educational Background and Professional Training on Human Right...ijtsrd
This study investigated the impact of educational background and professional training on human rights awareness among secondary school teachers in the Marathwada region of Maharashtra, India. The key findings reveal that higher levels of education, particularly a master’s degree, and fields of study related to education, humanities, or social sciences are associated with greater human rights awareness among teachers. Additionally, both pre service teacher training and in service professional development programs focused on human rights education significantly enhance teacher’s knowledge, skills, and competencies in promoting human rights principles in their classrooms. Baig Ameer Bee Mirza Abdul Aziz | Dr. Syed Azaz Ali Amjad Ali "The Impact of Educational Background and Professional Training on Human Rights Awareness among Secondary School Teachers" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd64529.pdf Paper Url: https://www.ijtsrd.com/humanities-and-the-arts/education/64529/the-impact-of-educational-background-and-professional-training-on-human-rights-awareness-among-secondary-school-teachers/baig-ameer-bee-mirza-abdul-aziz
A Study on the Effective Teaching Learning Process in English Curriculum at t...ijtsrd
“One Language sets you in a corridor for life. Two languages open every door along the way” Frank Smith English as a foreign language or as a second language has been ruling in India since the period of Lord Macaulay. But the question is how much we teach or learn English properly in our culture. Is there any scope to use English as a language rather than a subject How much we learn or teach English without any interference of mother language specially in the classroom teaching learning scenario in West Bengal By considering all these issues the researcher has attempted in this article to focus on the effective teaching learning process comparing to other traditional strategies in the field of English curriculum at the secondary level to investigate whether they fulfill the present teaching learning requirements or not by examining the validity of the present curriculum of English. The purpose of this study is to focus on the effectiveness of the systematic, scientific, sequential and logical transaction of the course between the teachers and the learners in the perspective of the 5Es programme that is engage, explore, explain, extend and evaluate. Sanchali Mondal | Santinath Sarkar "A Study on the Effective Teaching Learning Process in English Curriculum at the Secondary Level of West Bengal" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd62412.pdf Paper Url: https://www.ijtsrd.com/humanities-and-the-arts/education/62412/a-study-on-the-effective-teaching-learning-process-in-english-curriculum-at-the-secondary-level-of-west-bengal/sanchali-mondal
The Role of Mentoring and Its Influence on the Effectiveness of the Teaching ...ijtsrd
This paper reports on a study which was conducted to investigate the role of mentoring and its influence on the effectiveness of the teaching of Physics in secondary schools in the South West Region of Cameroon. The study adopted the convergent parallel mixed methods design, focusing on respondents in secondary schools in the South West Region of Cameroon. Both quantitative and qualitative data were collected, analysed separately, and the results were compared to see if the findings confirm or disconfirm each other. The quantitative analysis found that majority of the respondents 72 of Physics teachers affirmed that they had more experienced colleagues as mentors to help build their confidence, improve their teaching, and help them improve their effectiveness and efficiency in guiding learners’ achievements. Only 28 of the respondents disagreed with these statements. With majority respondents 72 agreeing with the statements, it implies that in most secondary schools, experienced Physics teachers act as mentors to build teachers’ confidence in teaching and improving students’ learning. The interview qualitative data analysis summarized how secondary school Principals use meetings with mentors and mentees to promote mentorship in the school milieu. This has helped strengthen teachers’ classroom practices in secondary schools in the South West Region of Cameroon. With the results confirming each other, the study recommends that mentoring should focus on helping teachers employ social interactions and instructional practices feedback and clarity in teaching that have direct measurable impact on students’ learning achievements. Andrew Ngeim Sumba | Frederick Ebot Ashu | Peter Agborbechem Tambi "The Role of Mentoring and Its Influence on the Effectiveness of the Teaching of Physics in Secondary Schools in the South West Region of Cameroon" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd64524.pdf Paper Url: https://www.ijtsrd.com/management/management-development/64524/the-role-of-mentoring-and-its-influence-on-the-effectiveness-of-the-teaching-of-physics-in-secondary-schools-in-the-south-west-region-of-cameroon/andrew-ngeim-sumba
Design Simulation and Hardware Construction of an Arduino Microcontroller Bas...ijtsrd
This study primarily focuses on the design of a high side buck converter using an Arduino microcontroller. The converter is specifically intended for use in DC DC applications, particularly in standalone solar PV systems where the PV output voltage exceeds the load or battery voltage. To evaluate the performance of the converter, simulation experiments are conducted using Proteus Software. These simulations provide insights into the input and output voltages, currents, powers, and efficiency under different state of charge SoC conditions of a 12V,70Ah rechargeable lead acid battery. Additionally, the hardware design of the converter is implemented, and practical data is collected through operation, monitoring, and recording. By comparing the simulation results with the practical results, the efficiency and performance of the designed converter are assessed. The findings indicate that while the buck converter is suitable for practical use in standalone PV systems, its efficiency is compromised due to a lower output current. Chan Myae Aung | Dr. Ei Mon "Design Simulation and Hardware Construction of an Arduino-Microcontroller Based DC-DC High-Side Buck Converter for Standalone PV System" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd64518.pdf Paper Url: https://www.ijtsrd.com/engineering/mechanical-engineering/64518/design-simulation-and-hardware-construction-of-an-arduinomicrocontroller-based-dcdc-highside-buck-converter-for-standalone-pv-system/chan-myae-aung
Sustainable Energy by Paul A. Adekunte | Matthew N. O. Sadiku | Janet O. Sadikuijtsrd
Energy becomes sustainable if it meets the needs of the present without compromising the ability of future generations to meet their own needs. Some of the definitions of sustainable energy include the considerations of environmental aspects such as greenhouse gas emissions, social, and economic aspects such as energy poverty. Generally far more sustainable than fossil fuel are renewable energy sources such as wind, hydroelectric power, solar, and geothermal energy sources. Worthy of note is that some renewable energy projects, like the clearing of forests to produce biofuels, can cause severe environmental damage. The sustainability of nuclear power which is a low carbon source is highly debated because of concerns about radioactive waste, nuclear proliferation, and accidents. The switching from coal to natural gas has environmental benefits, including a lower climate impact, but could lead to delay in switching to more sustainable options. “Carbon capture and storage” can be built into power plants to remove the carbon dioxide CO2 emissions, but this technology is expensive and has rarely been implemented. Leading non renewable energy sources around the world is fossil fuels, coal, petroleum, and natural gas. Nuclear energy is usually considered another non renewable energy source, although nuclear energy itself is a renewable energy source, but the material used in nuclear power plants is not. The paper addresses the issue of sustainable energy, its attendant benefits to the future generation, and humanity in general. Paul A. Adekunte | Matthew N. O. Sadiku | Janet O. Sadiku "Sustainable Energy" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd64534.pdf Paper Url: https://www.ijtsrd.com/engineering/electrical-engineering/64534/sustainable-energy/paul-a-adekunte
Concepts for Sudan Survey Act Implementations Executive Regulations and Stand...ijtsrd
This paper aims to outline the executive regulations, survey standards, and specifications required for the implementation of the Sudan Survey Act, and for regulating and organizing all surveying work activities in Sudan. The act has been discussed for more than 5 years. The Land Survey Act was initiated by the Sudan Survey Authority and all official legislations were headed by the Sudan Ministry of Justice till it was issued in 2022. The paper presents conceptual guidelines to be used for the Survey Act implementation and to regulate the survey work practice, standardizing the field surveys, processing, quality control, procedures, and the processes related to survey work carried out by the stakeholders and relevant authorities in Sudan. The conceptual guidelines are meant to improve the quality and harmonization of geospatial data and to aid decision making processes as well as geospatial information systems. The established comprehensive executive regulations will govern and regulate the implementation of the Sudan Survey Geomatics Act in all surveying and mapping practices undertaken by the Sudan Survey Authority SSA and state local survey departments for public or private sector organizations. The targeted standards and specifications include the reference frame, projection, coordinate systems, and the guidelines and specifications that must be followed in the field of survey work, processes, and mapping products. In the last few decades, there has been a growing awareness of the importance of geomatics activities and measurements on the Earths surface in space and time, together with observing and mapping the changes. In such cases, data must be captured promptly, standardized, and obtained with more accuracy and specified in much detail. The paper will also highlight the current situation in Sudan, the degree to which survey standards are used, the problems encountered, and the errors that arise from not using the standards and survey specifications. Kamal A. A. Sami "Concepts for Sudan Survey Act Implementations - Executive Regulations and Standards" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd63484.pdf Paper Url: https://www.ijtsrd.com/engineering/civil-engineering/63484/concepts-for-sudan-survey-act-implementations--executive-regulations-and-standards/kamal-a-a-sami
Towards the Implementation of the Sudan Interpolated Geoid Model Khartoum Sta...ijtsrd
The discussions between ellipsoid and geoid have invoked many researchers during the recent decades, especially during the GNSS technology era, which had witnessed a great deal of development but still geoid undulation requires more investigations. To figure out a solution for Sudans local geoid, this research has tried to intake the possibility of determining the geoid model by following two approaches, gravimetric and geometrical geoid model determination, by making use of GNSS leveling benchmarks at Khartoum state. The Benchmarks are well distributed in the study area, in which, the horizontal coordinates and the height above the ellipsoid have been observed by GNSS while orthometric heights were carried out using precise leveling. The Global Geopotential Model GGM represented in EGM2008 has been exploited to figure out the geoid undulation at the benchmarks in the study area. This is followed by a fitting process, that has been done to suit the geoid undulation data which has been computed using GNSS leveling data and geoid undulation inspired by the EGM2008. Two geoid surfaces were created after the fitting process to ensure that they are identical and both of them could be counted for getting the same geoid undulation with an acceptable accuracy. In this respect, statistical operation played an important role in ensuring the consistency and integrity of the model by applying cross validation techniques splitting the data into training and testing datasets for building the geoid model and testing its eligibility. The geometrical solution for geoid undulation computation has been utilized by applying straightforward equations that facilitate the calculation of the geoid undulation directly through applying statistical techniques for the GNSS leveling data of the study area to get the common equation parameters values that could be utilized to calculate geoid undulation of any position in the study area within the claimed accuracy. Both systems were checked and proved eligible to be used within the study area with acceptable accuracy which may contribute to solving the geoid undulation problem in the Khartoum area, and be further generalized to determine the geoid model over the entire country, and this could be considered in the future, for regional and continental geoid model. Ahmed M. A. Mohammed. | Kamal A. A. Sami "Towards the Implementation of the Sudan Interpolated Geoid Model (Khartoum State Case Study)" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd63483.pdf Paper Url: https://www.ijtsrd.com/engineering/civil-engineering/63483/towards-the-implementation-of-the-sudan-interpolated-geoid-model-khartoum-state-case-study/ahmed-m-a-mohammed
Activating Geospatial Information for Sudans Sustainable Investment Mapijtsrd
Sudan is witnessing an acceleration in the processes of development and transformation in the performance of government institutions to raise the productivity and investment efficiency of the government sector. The development plans and investment opportunities have focused on achieving national goals in various sectors. This paper aims to illuminate the path to the future and provide geospatial data and information to develop the investment climate and environment for all sized businesses, and to bridge the development gap between the Sudan states. The Sudan Survey Authority SSA is the main advisor to the Sudan Government in conducting surveying, mappings, designing, and developing systems related to geospatial data and information. In recent years, SSA made a strategic partnership with the Ministry of Investment to activate Geospatial Information for Sudans Sustainable Investment and in particular, for the preparation and implementation of the Sudan investment map, based on the directives and objectives of the Ministry of Investment MI in Sudan. This paper comes within the framework of activating the efforts of the Ministry of Investment to develop technical investment services by applying techniques adopted by the Ministry and its strategic partners for advancing investment processes in the country. Kamal A. A. Sami "Activating Geospatial Information for Sudan's Sustainable Investment Map" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd63482.pdf Paper Url: https://www.ijtsrd.com/engineering/information-technology/63482/activating-geospatial-information-for-sudans-sustainable-investment-map/kamal-a-a-sami
Educational Unity Embracing Diversity for a Stronger Societyijtsrd
In a rapidly changing global landscape, the importance of education as a unifying force cannot be overstated. This paper explores the crucial role of educational unity in fostering a stronger and more inclusive society through the embrace of diversity. By examining the benefits of diverse learning environments, the paper aims to highlight the positive impact on societal strength. The discussion encompasses various dimensions, from curriculum design to classroom dynamics, and emphasizes the need for educational institutions to become catalysts for unity in diversity. It highlights the need for a paradigm shift in educational policies, curricula, and pedagogical approaches to ensure that they are reflective of the diverse fabric of society. This paper also addresses the challenges associated with implementing inclusive educational practices and offers practical strategies for overcoming barriers. It advocates for collaborative efforts between educational institutions, policymakers, and communities to create a supportive ecosystem that promotes diversity and unity. Mr. Amit Adhikari | Madhumita Teli | Gopal Adhikari "Educational Unity: Embracing Diversity for a Stronger Society" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd64525.pdf Paper Url: https://www.ijtsrd.com/humanities-and-the-arts/education/64525/educational-unity-embracing-diversity-for-a-stronger-society/mr-amit-adhikari
Integration of Indian Indigenous Knowledge System in Management Prospects and...ijtsrd
The diversity of indigenous knowledge systems in India is vast and can vary significantly between different communities and regions. Preserving and respecting these knowledge systems is crucial for maintaining cultural heritage, promoting sustainable practices, and fostering cross cultural understanding. In this paper, an overview of the prospects and challenges associated with incorporating Indian indigenous knowledge into management is explored. It is found that IIKS helps in management in many areas like sustainable development, tourism, food security, natural resource management, cultural preservation and innovation, etc. However, IIKS integration with management faces some challenges in the form of a lack of documentation, cultural sensitivity, language barriers legal framework, etc. Savita Lathwal "Integration of Indian Indigenous Knowledge System in Management: Prospects and Challenges" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd63500.pdf Paper Url: https://www.ijtsrd.com/management/accounting-and-finance/63500/integration-of-indian-indigenous-knowledge-system-in-management-prospects-and-challenges/savita-lathwal
DeepMask Transforming Face Mask Identification for Better Pandemic Control in...ijtsrd
The COVID 19 pandemic has highlighted the crucial need of preventive measures, with widespread use of face masks being a key method for slowing the viruss spread. This research investigates face mask identification using deep learning as a technological solution to be reducing the risk of coronavirus transmission. The proposed method uses state of the art convolutional neural networks CNNs and transfer learning to automatically recognize persons who are not wearing masks in a variety of circumstances. We discuss how this strategy improves public health and safety by providing an efficient manner of enforcing mask wearing standards. The report also discusses the obstacles, ethical concerns, and prospective applications of face mask detection systems in the ongoing fight against the pandemic. Dilip Kumar Sharma | Aaditya Yadav "DeepMask: Transforming Face Mask Identification for Better Pandemic Control in the COVID-19 Era" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd64522.pdf Paper Url: https://www.ijtsrd.com/engineering/electronics-and-communication-engineering/64522/deepmask-transforming-face-mask-identification-for-better-pandemic-control-in-the-covid19-era/dilip-kumar-sharma
Streamlining Data Collection eCRF Design and Machine Learningijtsrd
Efficient and accurate data collection is paramount in clinical trials, and the design of Electronic Case Report Forms eCRFs plays a pivotal role in streamlining this process. This paper explores the integration of machine learning techniques in the design and implementation of eCRFs to enhance data collection efficiency. We delve into the synergies between eCRF design principles and machine learning algorithms, aiming to optimize data quality, reduce errors, and expedite the overall data collection process. The application of machine learning in eCRF design brings forth innovative approaches to data validation, anomaly detection, and real time adaptability. This paper discusses the benefits, challenges, and future prospects of leveraging machine learning in eCRF design for streamlined and advanced data collection in clinical trials. Dhanalakshmi D | Vijaya Lakshmi Kannareddy "Streamlining Data Collection: eCRF Design and Machine Learning" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd63515.pdf Paper Url: https://www.ijtsrd.com/biological-science/biotechnology/63515/streamlining-data-collection-ecrf-design-and-machine-learning/dhanalakshmi-d
How to Manage Your Lost Opportunities in Odoo 17 CRMCeline George
Odoo 17 CRM allows us to track why we lose sales opportunities with "Lost Reasons." This helps analyze our sales process and identify areas for improvement. Here's how to configure lost reasons in Odoo 17 CRM
How to Add Chatter in the odoo 17 ERP ModuleCeline George
In Odoo, the chatter is like a chat tool that helps you work together on records. You can leave notes and track things, making it easier to talk with your team and partners. Inside chatter, all communication history, activity, and changes will be displayed.
LAND USE LAND COVER AND NDVI OF MIRZAPUR DISTRICT, UPRAHUL
This Dissertation explores the particular circumstances of Mirzapur, a region located in the
core of India. Mirzapur, with its varied terrains and abundant biodiversity, offers an optimal
environment for investigating the changes in vegetation cover dynamics. Our study utilizes
advanced technologies such as GIS (Geographic Information Systems) and Remote sensing to
analyze the transformations that have taken place over the course of a decade.
The complex relationship between human activities and the environment has been the focus
of extensive research and worry. As the global community grapples with swift urbanization,
population expansion, and economic progress, the effects on natural ecosystems are becoming
more evident. A crucial element of this impact is the alteration of vegetation cover, which plays a
significant role in maintaining the ecological equilibrium of our planet.Land serves as the foundation for all human activities and provides the necessary materials for
these activities. As the most crucial natural resource, its utilization by humans results in different
'Land uses,' which are determined by both human activities and the physical characteristics of the
land.
The utilization of land is impacted by human needs and environmental factors. In countries
like India, rapid population growth and the emphasis on extensive resource exploitation can lead
to significant land degradation, adversely affecting the region's land cover.
Therefore, human intervention has significantly influenced land use patterns over many
centuries, evolving its structure over time and space. In the present era, these changes have
accelerated due to factors such as agriculture and urbanization. Information regarding land use and
cover is essential for various planning and management tasks related to the Earth's surface,
providing crucial environmental data for scientific, resource management, policy purposes, and
diverse human activities.
Accurate understanding of land use and cover is imperative for the development planning
of any area. Consequently, a wide range of professionals, including earth system scientists, land
and water managers, and urban planners, are interested in obtaining data on land use and cover
changes, conversion trends, and other related patterns. The spatial dimensions of land use and
cover support policymakers and scientists in making well-informed decisions, as alterations in
these patterns indicate shifts in economic and social conditions. Monitoring such changes with the
help of Advanced technologies like Remote Sensing and Geographic Information Systems is
crucial for coordinated efforts across different administrative levels. Advanced technologies like
Remote Sensing and Geographic Information Systems
9
Changes in vegetation cover refer to variations in the distribution, composition, and overall
structure of plant communities across different temporal and spatial scales. These changes can
occur natural.
ISO/IEC 27001, ISO/IEC 42001, and GDPR: Best Practices for Implementation and...PECB
Denis is a dynamic and results-driven Chief Information Officer (CIO) with a distinguished career spanning information systems analysis and technical project management. With a proven track record of spearheading the design and delivery of cutting-edge Information Management solutions, he has consistently elevated business operations, streamlined reporting functions, and maximized process efficiency.
Certified as an ISO/IEC 27001: Information Security Management Systems (ISMS) Lead Implementer, Data Protection Officer, and Cyber Risks Analyst, Denis brings a heightened focus on data security, privacy, and cyber resilience to every endeavor.
His expertise extends across a diverse spectrum of reporting, database, and web development applications, underpinned by an exceptional grasp of data storage and virtualization technologies. His proficiency in application testing, database administration, and data cleansing ensures seamless execution of complex projects.
What sets Denis apart is his comprehensive understanding of Business and Systems Analysis technologies, honed through involvement in all phases of the Software Development Lifecycle (SDLC). From meticulous requirements gathering to precise analysis, innovative design, rigorous development, thorough testing, and successful implementation, he has consistently delivered exceptional results.
Throughout his career, he has taken on multifaceted roles, from leading technical project management teams to owning solutions that drive operational excellence. His conscientious and proactive approach is unwavering, whether he is working independently or collaboratively within a team. His ability to connect with colleagues on a personal level underscores his commitment to fostering a harmonious and productive workplace environment.
Date: May 29, 2024
Tags: Information Security, ISO/IEC 27001, ISO/IEC 42001, Artificial Intelligence, GDPR
-------------------------------------------------------------------------------
Find out more about ISO training and certification services
Training: ISO/IEC 27001 Information Security Management System - EN | PECB
ISO/IEC 42001 Artificial Intelligence Management System - EN | PECB
General Data Protection Regulation (GDPR) - Training Courses - EN | PECB
Webinars: https://pecb.com/webinars
Article: https://pecb.com/article
-------------------------------------------------------------------------------
For more information about PECB:
Website: https://pecb.com/
LinkedIn: https://www.linkedin.com/company/pecb/
Facebook: https://www.facebook.com/PECBInternational/
Slideshare: http://www.slideshare.net/PECBCERTIFICATION
How to Make a Field Mandatory in Odoo 17Celine George
In Odoo, making a field required can be done through both Python code and XML views. When you set the required attribute to True in Python code, it makes the field required across all views where it's used. Conversely, when you set the required attribute in XML views, it makes the field required only in the context of that particular view.
This presentation was provided by Steph Pollock of The American Psychological Association’s Journals Program, and Damita Snow, of The American Society of Civil Engineers (ASCE), for the initial session of NISO's 2024 Training Series "DEIA in the Scholarly Landscape." Session One: 'Setting Expectations: a DEIA Primer,' was held June 6, 2024.
2. International Journal of Trend in Scientific Research and Development (IJTSRD) @ www.ijtsrd.com eISSN: 2456-6470
@ IJTSRD | Unique Paper ID – IJTSRD42356 | Volume – 5 | Issue – 4 | May-June 2021 Page 717
Limitations of the Study
1. The present study is limited to Karad Urban Co-operative Bank only.
2. The present study is based on the secondary data for the period from 2011-12 to 2019-20.
Financial Inclusion of Karad Urban Co-operative Bank
Due to professional management, dynamic leadership the Bank made the tremendous progress in last a decade. It was
conferred with the "Scheduled Status" as mark of its financial health and confidenceofthepublic.TheShriParshwanathCo-op.
Bank was merged in the Bank in Dec. 2007 with its 10 branches. Thus Bank's network is increased to 48 branches; also staff
strength is increased by 124. This opportunity has given the Bank rare distinction of being the first bank attehsil level toeffect
merging of other bank. It is this important event that deserves a very special mention in the history of the Bank. During the
study period of 10 years from 2010-2020 total number of branches reached to 64 and staff 822 in 7 major districst of Satara,
Sangli, Kolhapur, Pune Ratnagiri, Raigad and Mumbai etc.
Table no.1
Particulars Members
Branches+HO+
Extension
Counter
Staff
Share
Capital
Reserves & other
funds
Owned
funds
Deposits
2010-11 43746 50 588 3286.8 5127.47 8414.27 116326.92
2011-12 48909 50 589 3962.89 5980.37 9943.25 140734.13
2012-13 53176 50 694 4729.69 7290.56 7290.56 166697.86
2013-14 58237 50 699 5592.06 9743.84 9743.84 197020.57
2014-15 64154 50 704 6580.12 11255.06 11255.9 230435.17
2015-16 66673 50 697 7682.52 12708.24 20390.76 255347.66
2016-17 68233 50 689 8469.28 14952.24 23421.51 285047.78
2017-18 73903 64 874 9204.42 27261.85 36466.27 286079.3
2018-19 74622 64 845 9666.03 23516.64 33186.67 275359.55
2019-20 75206 64 822 9820.9 21324.96 31145.86 275405.17
SD(Population) 10642.48 6.42 93.38 2297.24 7323.29 10733.22 60340.57
Average 62685.90 54.20 720.10 6899.47 13916.12 19125.89 222845.41
CV 16.98 11.84 12.97 33.30 52.62 56.12 27.08
AGR 71.92 28.00 39.80 198.80 315.90 270.16 136.75
CGR 0.06 0.02 0.03 0.12 0.15 0.14 0.09
SD(Sample) 11218.16 6.76 98.43 2421.50 7719.42 11313.81 63604.55
Source - Annual reports of the bank.
The Table 1 explains that, the numbers of members of KUC Bank were increased from 43746 to75206 during 2010-2011 to
2019-2020. The Annual Growth Rate of members was 71.92% and Compound Growth Rate was 6%, it indicates that the
number of members increased 71.92% during last 10 years but the relative % of increased (CGR) member was 6%. The AGR
and CGR of branches were increased by 28% and 2% respectively during same period. Total staffoftheBank was588in2010-
2011, in annually increased by 39.80% and reached at 822 at the end of March 2020. The bank has been given the priority to
social diversified staff for financial inclusion. The CGR and Coefficient of variation of the numbers of Staff in the Bank was 3%
and 12.97 respectively during the study period. In 2010-11, the share capital of the Bank was Rs. 3286.8 lakhs. It increased by
9820.9 lakhs at the end of March 2020. The S.D., C.V and CGR of share capital were 2297.24,33.30and12% respectivelyduring
the same years. Table further shows that the share capital of the Bank was increased tremendouslyaftercelebrating100years
of bank.
Reserve and other funds of the Bank were increased by 15% during the last 10 years and reached at Rs.21324.96 lakhs at the
end of March 2020. The Own funds was also increased from Rs.8414.27 lakhs to Rs. 31145.86 lakhs, the CGR was 14% during
the 2010-11 to 2019-2020. The deposits were increased from Rs. 116326.92 lakhsto275405.17lakhs.i.eCV27.08 andCGR by
9%.
Table no. 2
Particulars
Loans and
advances
Priority
sector
advances
Investment
Working
Capital
Net
Profit
before
Tax
Overdues
Doubtful
debts
Bad &
doubtful
debts
reserve
2010-11 76505.04 46718.02 30165.47 131420.59 1029.72 2302 73.08 2108.61
2011-12 92602.3 50721.83 37117.67 156129.32 1716.74 3132.5 172.1 2311.67
2012-13 107342.27 51375.38 49001.93 188289.03 2061.56 3693.3 165.72 2615.67
2013-14 122873.17 61419.78 63803.04 220099.15 947.37 3898.01 249.91 3099.36
2014-15 144098.77 66838.14 72266.18 257101.49 1802.62 4617.18 244.78 4251.8
2015-16 163950.97 69346.93 77709.84 286689.84 2031.81 6589.86 8585.93 5307.79
2016-17 174556.67 65089.12 98465.27 328438.96 4403.58 7995.12 11647.46 6674.3
2017-18 182835.49 68668 121613.83 344661.05 -2954.5 13660.75 17489.33 13757.05
2018-19 180708.99 76052 115869.7 340851.47 3316.45 17174.32 17248.39 12928.99
2019-20 175197.15 74474.76 102552.03 331594.23 3138.12 14915.56 17486.16 11962.92
3. International Journal of Trend in Scientific Research and Development (IJTSRD) @ www.ijtsrd.com eISSN: 2456-6470
@ IJTSRD | Unique Paper ID – IJTSRD42356 | Volume – 5 | Issue – 4 | May-June 2021 Page 718
SD(Population) 37564.39 9731.22 30626.37 76334.44 1868.10 5182.61 7619.09 4402.56
Average 142067.08 63070.40 76856.50 258527.51 1749.35 7797.86 7336.29 6501.82
CV 26.44 15.43 39.85 29.53 106.79 66.46 103.85 67.71
AGR 129.00 59.41 239.96 152.32 204.75 547.94 23827.42 467.34
CGR 0.09 0.05 0.13 0.10 0.12 0.21 0.73 0.19
SD(Sample) 39596.34 10257.60 32283.03 80463.57 1969.15 5462.95 8031.22 4640.70
Source- Annual Reports of the Banks
Table 2 explains that, the loans and advances provided to the various sections of the society, it indicates financial inclusion by
the Bank. In 2010-11 the loans and advances of Rs.76505.04 lakhs was provided by the Bank. Itincreased withAGR 129%and
reached at Rs. 755197.15 lakhs in the 2019-20. In order to ensure timely and efficient loan disbursement, similarly with an
intention to adopt legitimate professional approach, Loan sanctioning powers were delegated to officersatvariouslevels.The
Board has appraised the said working and was liberal to enhance the delegation powers. Since the policy was found to be
effective and useful, it is decided that the same will be continued. The amount of loans andadvancesgrantedto prioritysectors
was also increased from Rs.46718.02 lakhs to Rs.74774.76 lakhs during the last 10 years. Its proportion to total loan granted
was more than 42% in the same period it express the high financial inclusion for weaker section of the society. Bank had
invested sizeable amount and NDS, the advanced system was introduced from August 22, 2007 to foster the trading
transactions and make treasury operations more efficient. The Bank‟s investment in various items was increased from Rs.
30165.41lacks and reached at Rs.102552.03 lakhs at the end of the March 2020. After making all the statutory and incometax
provisions the Net profit of Karad Urban Co-op. Banks was increased from Rs.1029.72 lakhs to Rs.3138.12 lakhs during2010-
11 to 2019-20, and CGR was recorded of 12 %. On the other hand the Overdues, Doubtful and loss advances and Bad and
doubtful debts reserves were also increased by 21%, 73% and 19% respectivelyduringstudyperiod.Thefinancial inclusionof
acquired bank in span of 10 years was much better and impressive to contribute the profit of Rs.3831.18 lakhs at the end of
March 2020. There was loss to bank only in financial year 2017-18 of 2954.5 lakhs which was filled-up by upcoming years.
Table no. 3
Particulars
Audit
class
Dividend
Growth rate of
deposits
Growth rate of
Advances
% of priority sector
advances
% of over
dues
2010-11 A 9 9.12 15.7 61.92 3.01
2011-12 A 10 20.98 21.04 54.75 3.38
2012-13 A 10 18.45 15.92 47.86 3.44
2013-14 A 8 18.19 14.47 49.99 3.17
2014-15 A 10 16.96 17.27 46.38 3.2
2015-16 A 7 10.81 13.75 42.31 4.02
2016-17 A 12 11.63 6.49 39.71 4.58
2017-18 B 0 0.36 4.74 39.34 7.47
2018-19 A 0 -3.75 -1.16 41.60 9.5
2019-20 A 0 -0.02 -3.05 41.21 8.51
SD(Population) 4.50 8.33 7.80 22 2.35
Average 6.60 10.27 10.52 46.50 5.03
CV 68.16 81.05 74.17 22.6 46.82
AGR -100.00 -100.22 -119.43 -2.73 182.72
CGR -1.00 #NUM! #NUM! -0.52 0.11
SD(Sample) 4.74 8.78 8.22 27 2.48
Source- Annual Reports of the Bank
Table 3 elaborates that the Audit class obtained and distribution of dividend of the Karad Urban Co-op. Bank during last 10
years. Thirty branches having business above Rs. 10 crores were covered under monthly audit by Concurrent Auditors and 9
branches having business above Rs. 25 crores were subject to weekly audit. Remaining9brancheswerecoveredunderBank‟s
internal Audit and Inspection department. The Bank has been obtained "A" audit class and provideddividendof7 %to12%to
members during study period exceptionally for year 2017-18 to 2019-20.therefore theCGR isnegative(-1%).Thegrowthrate
of advances and deposits ranges between -3.75% to 20.98% and -1.16% to 21.04 % respectively. Its average was10.27% and
10.52 % during the 2010-11 to 2019-20. The S.D. and C.V. of growth rate of advances provided and deposits accepted by the
Karad Urban Co-op. Bank were 7.80 and 74.17 and, 8.33,81.05 respectivelyduringsameperiod.Outoftotal advances,theBank
provided about 39.34 % to 61.92%.advances to the priority sectors during study period.
Table no. 4
Item 2015-16 2016-17 2017-18 2018-19 2019-20
Total Income (Rs) 29741.96 34137.10 33637.40 34266.70 33213.15
Total Expenditure (Rs) 26439.19 28094.67 28933.30 32124.95 31130.05
Gross Profit (Rs) 3303.10 6042.43 4704.35 4555.10 4838.00
Net Profit (Rs) 1179.81 2753.58 -3119.50 2141.75 2083.09
Gross NPA% 6.79% 8.48% 10.17% 13.15% 13.77%
#Net NPA % 3.67% 4.85 4.30% 7.19% 8.5%
#CD Ratio% 64.19% 63.40% 63.19% 65.63% 63.61%
# CRAR% 11.22% 16.86% 12.87% 15.62% 16.58%
Source- Annual reports of bank
4. International Journal of Trend in Scientific Research and Development (IJTSRD) @ www.ijtsrd.com eISSN: 2456-6470
@ IJTSRD | Unique Paper ID – IJTSRD42356 | Volume – 5 | Issue – 4 | May-June 2021 Page 719
Table 4 analyses that, the total income includes interest received and other income of Karad Urban Co-operative Bank wasRs.
29741.96 lakhs in 2015-16. It increased threefold and reached at Rs. 33213.15 lakhs in the year 2019-20. But the total
expenditure includes interest on deposits and borrowing, Staff salaries and allowances and establishment expenses etc was
increased about fourfold during the same period. The Gross profit and Net profit were increased from Rs.2.73 crores and Rs.
0.36 crores to Rs. 12.4crores and Rs. 5.34 crores respectively during 2015-16 to 2019-20. The Bank deserves its StrongStatus
through compliance and achievements of prudential norms (exceptionally there is loss in 2017-18, which was recovered
through profits of upcoming two years. The gross NPA of the bank was 6.79 % and Net NPA was 3.67%.in the year 2015-
16.There was also significant achievement in reducing the cost of acquisition. The capital Adequacy Ration of the Bank was
higher than the norms of RBI highest in year 2016-17i.e 16.86% and CD ratio was about 63 % in the study period. Bank has
succeeded in strengthening the capital base and ultimately achieved the CRAR 16.58% well above the benchmark in the year
2019-20.
Computerization
In keeping with the technology developments in banking
sector, the bank had computerized all the branches
providing quick and delightful service to its valued
customers. It is very much gainful to weaker section of the
society. Computerization was initiatedin1989,inphases the
bank did all the branches computerized. The Bank provide
small collection and receipt print device to its Pigmy Agents,
so agents can collect small deposit from
customer/borrowers door step. It is significantcontribution
of the bank to financial inclusion of the society. TheBank has
vision for centralized data storage for Any Where Any Time
Banking through Core Banking Solutions. Many factors
actively contributed to the success of moderning stages like
due diligence report, immediate approval from regulators,
software change, data migration implemented by Banks I.T.
team etc. In addition to the business growth, one indirect
benefit, gained out of merging process, lies in the fact that,
now the Bank would be in a position to relocate the existing
branches of merged banks, This achievement is theoutcome
of dedicated hardwork oftopmanagement;properplanning,
skilful execution, and loyalty of customers and of course the
blessings and supportofshareholders.Thebestachievement
and memorable event in the financial inclusion of the Bank
that The bank was awarded with, “Padmbhushan
Vasantdada Patil Award 2006-07” for Best Urban Co-op.
Bank in Western Maharashtra by The Maharashtra StateCo-
op. Bank Association, Mumbai. Again in 2019 The Best CEO
Award "Late Baburaoji Deshmukh" was honoured to CA
Dililp Mahadev Gurav a CEO of the bank. 43 ATMs are
established at different cities of the bank. The bank has
celebrated its 100 years in 2016-17 with great enthusiasm.
To develop financial discipline amongst borrowers and
thereby allowing rebate in interest rate, a Credit Rating
System was introduced since many years. The concept was
emphasized on high scale and Customer Meets were
organized at Karad, Kolhapur, Sangli and Pune. The Bank
received good response and inputs to fine tune its policies
and practices, ultimately it helps to retain the best clients
and improve the asset quality.
Management of the Bank for Financial Inclusion
With a view to encourage the talent of top management and
have interaction with regulators, the Bank has arranged a
training program targetedat boardmembers,executivesand
managers at Head Office time to time. The activities of Staff
Training & Research Centre. RBI has selected the Bank as
Nodal Bank for Satara district, considering the
infrastructural facilities of the Bank. Innovative concept of
Insurance Business Partner was the mainthemeoflastthree
-tie up with New India Assurance, United India Insurance
and Bajaj Alliance General Insurance A conference
exclusively for Co-Op. Banks, Credit Societies and other high
value customers was arranged to address various business
related issues, customer needs and expectations.Nearly118
representatives participated in the conference and Banks
officers had a fruitful interaction with them. Since the group
business is mantra of rapid growth, the theme Business
Partner was well appreciated and conference achievedgood
success in terms of sustaining healthy competition and to be
customer centric.
It is very important to maintain the profitability in highly
competitive spread and thinned business margin. For other
income various avenues were worked out and bank has
made tie-up arrangement with Max NewYork LifeInsurance
since 2008 and exteded with other three companies.
Social Activities -
Many social activities are organised by bank every year like-
Swachata Abhiyan, Health talk of Dr. Dixit, Half Marathon,
Entrepreneurship DevelopmentShibir,RangoliCompetition,
Surynamaskar Spardha at Karad City Etc. In mid of 2020
pendemic covid was strucked to all over world. During this
year COVID19 Regulatory Package was declared for banks
for- Income Recognition, Asset Classification (IRAC) and
Provisioning etc. The quantitative disclosuresasrequired by
the above referred RBI circular dated April 17, 2020 are
given below: In accordance with the RBI guidelines relating
to COVID-19 Regulatory Package dated March 27, 2020 and
April 17, 2020, the Bank would be granting a moratorium of
three months on the payment of all installments and / or
interest, as applicable, falling due between March 1, 2020
and May 31, 2020 to all eligible borrowers classified as
Standard, even if overdue, as on February 29, 2020. For all
such accounts where the moratorium is granted, the asset
Disclosure with respect to 'The Depositor Education and
Awareness Fund Scheme, 2014' (DEAF) as per RBI Circular
dated 27/05/2014.
Conclusions
Due to professional management, dynamic leadership the
Karad Urban Co-op. Bank made the financial inclusioninlast
a decade. It was conferred with the "Scheduled Status" as
mark of its financial health and confidence of the public. The
CGR of share capital, Reserve Fund Own Fund was higher
than the Deposits of the Bank. The CGR of number of
Branches and employment generation waslessascompared
to Membership and Business turnover of the Bank during
2010-11 to 2019-20. The Gross profit and Net profit were
increased from Rs.1029.72 crores and Rs.3138.12 crores
respectively during 2010- 11to 2019-20
References-
[1] *Annual Reports of the Banks
[2] * website of the bank