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Enhancing the Capacity of the unbanked (under banked) to consume financial services

Access to safe, easy and affordable credit and other financial services by the unbanked and vulnerable groups, disadvantaged areas and lagging sectors is recognized as a pre-condition for accelerating growth and reducing income disparities and poverty. Access to a well-functioning financial system, by creating equal opportunities, enables economically and socially excluded people to integrate better into the economy and actively contribute to development and protects them against economic shocks.

Some Aspects of Infant and Child Mortality in few States

The rate of infant and child mortality is very high among the people of India particularly those living in rural areas. This paper examines levels, trends and socio-demographic factors associated with infant and child mortality among few states. The government of India has conducted the fourth National Family Health Survey (NFHS 4) in 2015 and some partial results from a few states are now available. It is a similar type of countrywide surveys which was conducted in 1992 (NFHS 1), 1998 (NFHS 2), 2005 (NFHS 3).

EVALUATION OF THE ANTIBACTERIAL ACTIVITY OF SOME PLANT EXTRACTS ON SALMONELLA SPECIES

Salmonella is a facultative intracellular pathogen which is responsible for causing diseases ranging from gastroenteritis to typhoid fever. Multi-drug drug resistant Salmonella spp. is of serious concern that has urged scientists to find alternative medicine. The present study was designed to evaluate the antibacterial activity of methanol extracts of Casuarina equisetifolia, Euphorbia hirta, Euphorbia tirucalli and Sphaeranthus indicus against identified Salmonella species (S. typhi, S. enteritidis and S.

EFFICACY OF MULTIMEDIA IN TEACHING BIOLOGY

I hear and I forget, I see and I remember, I do and I understand

- Confucius (551 BC – 497 BC)

Computer-based multimedia is the core and main technical measure of the application of modern information technology into education. Multimedia tools are useful to develop a creative and learning atmosphere. It helps students to develop technical and research skills that they cannot acquire from reading a textbook. Therefore, the purpose of this article is to encourage the widespread use of multimedia in biology teaching.

A STUDY OF SOME URBANIZATION ASPECTS OF INDIA

Urbanization is an index of transformation from traditional rural economies to modern industrial one. It is a long term process. This paper endeavors to illuminate on the process of urbanization in India over a century with emphasis on level, tempo of urbanization and urban morphology using Indian Census data during 1901-2001. It will try to trace urban problems and related policy issues.

FINANCIAL PERFORMANCE ANALYSIS OF SOUTH GUJARAT DISTRICT CENTRAL CO-OPERATIVE BANKS (DCCBS) : A COMPARATIVE STUDY BASED ON PROFITABILITY RATIO

DCCBs a federation of primary Agricultural Credit Society. It has to undertake various activities like promotional, development, Banking Facilities, to mobilize the available resources and utilize them in the most efficient & profitable manner. This is in sharp contrast in fund management has come down considerably and is decreasing. This paper highlights to measure the financial performance of South Gujarat DCCBs on the basis of profitability ratios and give useful suggestion on it. ANNOVA test has used to generalization of hypothesis.

PERFORMANCE OF FICO MODULES OF ERP SYSTEM - SOME EMPIRICAL EVIDENCE FROM INDIAN MANUFACTURING FIRMS

The purpose of Accounting Information System (AIS) is to provide relevant and timely information for effective decision making by users of information.  In today’s information era, where most of the organizations work in Enterprise Resource planning (ERP) system environment, they implement their Accounting Information System through Financial Accounting (FI) and Cost Accounting (CO) modules, forming part of ERP system. ERP system is a management system meant to improve efficiency, agility, and profitability of business organizations in globally competitive world.

A COMPARATIVE ANALYSIS OF PROFITABILITY OF SELECTED DIAMOND COMPANIES IN INDIA

The present paper aims to comparative analysis the Profitability of the selected diamond companies by making use of Profitability ratios such Gross profit ratio, Net profit ratio, Expenses or Operating ratio Return on fixed Assets Ratio, Return on Shareholders’ Funds Ratio, Return on Capital Employed Ratio for the time spanning from 2004-2014. Short term creditors are mainly interested in the profitability position of the firms to know the promptness of company to meet its current liabilities. The result shows that among the nine selected diamond companies i.e.

AN ANALYTICAL STUDY OF PROFITABILITY MANAGEMENT OF THE SELECTED AUTOMOBILE COMPANIES IN INDIA

The Indian automobile industry has vital role to play in the world’s automobile market because the automobile industry has continued its growth trajectory over the past few years. Through the growing progress in demand, increasing of revenue, expanding middle class and young population base, skilled manpower as well as enhancement of technology, will propel India to be among the world's top five auto-producers by 2015.  “Profit is the engine that drives the business enterprise‟. Every firms or companies need to maintain sufficient profits to survive and grow in the long run.

EFFECTS OF PICTURES IN TEXTBOOKS ON STUDENTS’ CREATIVITY

One essential key element of the curriculum is the textbook which provides a clear structure for teachers and students. This paper is study based on the literature and previous research papers to explain the importance of textbooks as well as effect of pictures in the textbooks on student’s creativity. Images in the textbooks influence the learning process. Students often see pictures before reading the text and these pictures can enhance the power of imagination of the students. The findings of this study show that the pictures in textbooks can increase students’ creativity.