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EVALUATION OF CREDIT RISK MANAGEMENT IN DISTRICT CENTRAL CO-OPERATIVE BANKS - A STUDY 5 DCCBS IN GUJARAT STATE

A number of financial institutions have collapsed or experienced financial problems due to inefficient credit risk management systems. The study seeks to evaluate the extent to which failure to effectively manage credit risk led to DCCBs in Gujarat for the year 2007-08 to 2011-2012. It also seeks to establish other factors that led to the banking crisis and to outline the components of an effective credit risk management system. The study found that the failure to effectively manage credit risk contributed to a greater extent to the banking crisis.

AN OVERVIEW - INCOME MANAGEMENT

Financial management within the company is a hard nut to crack for many of the business activities runners. Managing money is tough concept whether it’s budgeting, buying insurance, planning for retirement or savings. Careless and selfish uses causes to live in financial bondage. If reserved a bit of extra consciousness on the money matters, maintaining a healthy financial family is a possible task. Sound financial management requires formulation of a realistic budget. The involvement of each and every member in family is responsible for an effective family financial management.

CUSTOMER'S PERCEPTION ABOUT ORGANIZED RETAIL STORES: A CASE STUDY OF SURAT CITY

In this study an attempt has been made to determine the factors which customers keep in mind when they buy products from the organized retail stores. Customers prefer the organized retail stores keeping in view its convenience in term of product range, multiple choice, offer and schemes, less than MRP etc. Offer and schemes, less than MRP and more varieties under one roof are combined attributes that customers like about the organized retail stores. Customers expect free home delivery from the stores.

A STUDY OF RESPONSES OF STUDENT-TEACHERS ON BACHELOR OF EDUCATION PROGRAMME AT SARDAR PATEL UNIVERSITY

The quality of an education system depends to a large measure on securing a fair number of well qualified and educated, well-equipped, contented and updated teachers. For creating effective teacher, we need an effective teacher training programme. The entire emphasis should be on preparing good, knowledgeable and trained teachers for schools. The B.Ed. programme is a professional course and this course includes different types of curricular and co-curricular activities. The purpose of this programme is to prepare effective and trained teachers for the school system. B. Ed.

RABINRANATH TAGORE'S CHANDALIKA: A THEMATIC STUDY

The Tagore family was a leading follower of Brahma Samaj, a new religious sector in the 19th century. Rabindranath Tagore develop an early love for literature, and had begun reading biographies, poems, history, Sanskrit and several others by the age of 12. Tagore is essentially a river-poet so far as his love for nature is concerned. The theme of the play Chandalika is the realization by a chandal girl that she is a human being like others, and that it is a mistaken on her part to think herself beneath the notice of human beings who belong to upper castes.

STRUCTURAL CHARACTERIZATION OF COBALT DOPED TIO2 PREPARED BY SOLID STATE REACTION METHOD

Cobalt doped Titanium Dioxide (TiO2) were synthesized by a standard solid-state reaction method. The formation of the single-phase compound and its structural parameters were investigated by X-Ray diffraction (XRD) followed by refinement using Xpowder and Scanning Electron Microscope (SEM) techniques. A better agreement between the observed and calculated XRD patterns was obtained by performing the refinement with a structural model using the space group I 41/amd. SEM image shows a spherical uniform shape of the particles.

PRECONCENTRATION OF HEAVY MINERALS FROM BEACH AND DUNE SANDS BY USING ADVANCED AIR CYCLONE

This paper deals with the results of pre concentration studies to recover total heavy minerals from beach and dune sand samples collected from marine drive of Konark –Puri by using an advanced air cyclone in combination of Dry High Intensity Magnetic Separator (DHIMS). The sample contains 16.7% Total Heavy Minerals (THM) and 83.3% of light minerals. Out of 16.7% THM, pyriboles are about 0.32%.

YASMINE GOONERATNE'S A CHANGE OF SKIES: A STUDY IN DIASPORIC EXPERIENCE

Etymologically, the term ‘diaspora’ is derived from the Greek term ‘diasperien’. ‘Dia’ means ‘across’ and ‘sperien’ means ‘to sow or scatter seeds’. Currently, the term, ‘diaspora’ is referred to those displaced communities which have been dislocated from their homeland through migration, immigration or exile. They are the hordes of displaced persons and communities moving across the globe. ‘Diaspora’, therefore, suggests dislocation from a geographical location of origin and relocation in another territory or country.

IN-SILICO PROTEIN STRUCTURE PREDICTION:HOMOLOGY MODELLING-A REVIEW

Proteins are chains of amino acid joined by hydrogen bond. The linear chain forms secondary structures through hydrogen bond between amino acid in the linear chain. Through further interactions among amino acid groups the secondary structures fold to form three dimensional structures. Thus the structure of protein is largely determined by amino acid sequence. So efforts are made to predict the structure of protein.

APPRAISAL OF WATER AND SOIL QUALITY OF TAPI WITH REFERENCE TO HEAVY METAL SURAT, GUJARAT

In the present study heavy metals (Zn, Cu, Cd and Pb) were detected in water and soil taken from Tapi. Samples were collected monthly from three different stations for the periods of six months (July 2008 to Oct 2008).The present study is included the period before and after Ganpati visarjan. Heavy metals were determined using AAS according to Standard methods (APHA 2005).Concentration of heavy metals in water and soil was fluctuating with respect to temperature and pH.