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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.

The Impact of Mergers and Acquisition Transaction on the Stock Performance in India

Every economy has their strength and weakness. Three major economies in the world namely US economy, Russian economy and Asian economy had also seen recession problems. some economy recover with some systematic strategy but some are not. due to this the company operating within the country and oversea companies need to face the trouble. in this dilemma some manage their operation but some failed. some enter into mergers and acquisitions to survive in the market. recently in India. the economy has witnessed outstanding activity in mergers and acquisition.

The presidential election in USA: An Astrological point of view

The month of November will be the most auspicious day for the citizen of United State of America in the year of 2016. Major developing countries will look after and worried for the event of the election. The country like America is following the presidential ruling. The process of election is in the Nation is very much complicated and undergoes many stages. One fine morning, I being Astrologer, thought that why the prediction should not be made on the topic of the Presidential election in USA. Who will win the prestigious election? Mr. Donald Trump or Mrs. Hillary Clinton?

Variation in Soil organic carbon within Highland Grasslands of Langtang National Park, Nepal

Grasslands are areas where the vegetation is dominated by grasses and supports indigenous or introduced vegetation and has potential to be grazed (Adams et al. 2009). Grasslands occupy approximately 51% of terrestrial surface of the earth (Prentice et al. 1992) and the important source of atmospheric carbon dioxide (CO2) sequestration. During photosynthesis the vegetation in grassland assimilate atmosphere carbon into its tissues and part of it is added to soil as soil organic carbon (SOC).

A Reading of Samanth Subramanian’s Following Fish: Travels around the Indian Coast: Indian Context and Culture

Fishing is a major industry in coastal states of India that provides employment to over 14 million people in recent times. According to the statistics, India has 8,118 kilometres of marine coastline, 3,827 fishing villages, and 1,914 traditional fish landing centres. India's fresh water rivers and canals, minor and major reservoirs, ponds and lakes, flood plain wetlands and water bodies makes India a major supplier of fish in the global market. In such country, fish is the centre of not only food but also of memory, culture, economy, history and society for some people.

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.

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.

VALUE EDUCATION – NEED OF THE MODERN TIME

Today’s modern time is the time of globalization. Aptitude of our youth is toward western life -style and culture is natural. This aptitude is not only limited to youth, almost everybody in country is running a blind race of cut throat competition to accumulate more money and things of leisure and pleasure. In recent years increase in percentage of crimes committed by youth especially adolescents has created a line of concern on the face of parents. Root cause of the problem lies in the quality of education we are providing to our child.

A STUDY OF EMOTIONAL INTELLIGENCE OF HIGHER SECONDARY SCHOOL STUDENTS IN RELATION TO CERTAIN VARIABLES

The present study was conducted to investigate the emotional intelligence of higher secondary school students of Anand district. A sample of 820 participants was selected from secondary school of Anand district using stratified random sampling method. Among them 471 were boys and 349 girls were selected. Emotional Intelligence scale constructed and standardized by Dr. Pallaviben Patel and Dr. Hiteshbhai Patel was used to measure Emotional intelligence of the students. The data were analyzed using t-test. The urban students were having high emotional intelligence than the rural students.