Impact of Credit Risk on the Profitability of Selected Commercial Banks Listed on the National Stock Exchange

This research is focusing on evaluation of the impact of credit risk on the profitability of selected commercial banks listed on National Stock Exchange. The financial ratios are taken as a proxy to evaluate credit risk and bank’s profitability. Profitability was measured through Return on Equity and Return on Assets whereas credit risk was measured by Pre-Provision Profit to Total Loans and Advances, Loan to Asset Ratio, Capital Adequacy Ratio, Credit to Deposit Ratio and Advances over Loan Funds. Based on the financial information of 2009 to 2017, the study concludes that Credit risk, as calculated from Pre-Provision Profit to Total Loans and Advances, Loan to Asset Ratio, Capital Adequacy Ratio, Credit to Deposit Ratio and Advances over Loan Funds have a non-significant relationship with profitability measured by Return on Assets whereas there is significant relationship exist only between Advances over Loan Funds and profitability measured by Return on Equity. The regression model of ROE shows the model is significant as compared to ROA model. The present study employed Auto Correlation and Durbin-Watson statistics, Unit root test & Multi-Collinearity tests to measure the robustness of time series data. Also the results of the regression analysis show that there exist a negative correlation between credit upon deposit ratio and return on equity. As per the current study, the Indian banks has to keep check on advances upon total funds ratio, as it was found most significant factor impacting the profitability of Indian banks.

Hybrid Polymeric Nanocomposites Based High Performance Oleds: A Review

This review reports the recent significant progress for achieving the synthesis of various types of polymer-based nanocomposites and understanding of the basic principle which determine their optical, electronic and magnetic properties. Some of the polymeric nanocomposite materials show remarkable electrical as well as optical properties regarding towards interest for applications in OLEDs. Nanoparticles which are basically inorganic, plays important role in the opto-electronic field. A nanoparticle with conjugate polymer matrix makes polymer nanocomposite and that nanocomposite used as an active emissive layer between the structures of optoelectronic device like OLEDs, OPVs etc. Application of such polymeric nanocomposite materials are discussed in this present communication with their success and failure, towards their optical as well as electrical properties in the fabrication of OLEDs.

A Study on Physico Chemical Water Quality Parameters of Brahmpur Pond, Buxar, Bihar

The water samples collected from the selected pond were analyzed at specific time intervals in the month of February, April and June in year 2020. The parameter studied were namely Temperature, pH, DO, TDS, TSS, Alkalinity, Hardness and Chloride. The study showed that the Shatabdi pond is unfit for drinking, bathing or household purposes. The result obtained in the present investigation revealed that the Shatabdi pond is polluted.

Role of GST in Economic Development

The Goods and Services Tax (GST) is the biggest reform in India’s indirect tax structure. GST would be applicable on the supply of goods or services as against the previous concept of tax on the manufacture and sale of goods or provision of services. It is a destination based consumption tax. GST would apply to all goods other than exempted goods i.e. alcoholic liquor for human consumption and specified petroleum products. It would apply to all services barring a few to be specified. The impact of GST would be a major game changer for the economy for accelerating the economic growth and generating more and more employment. GST helps the economy to grow in more efficient manner by ameliorating the tax accumulation as it abolishes all the tax barriers among states and integrate country via single tax rate i.e.”One tax ,one nation”. It benefits the Indian economy in many ways e.g. reducing the price for domestic necessities, uniform tax rate, reduce multiple taxes etc .GST will affect many sectors in positive or negative manner. After GST implementation some products price have been reduced like branded goods, hotels, personal hair products, soap etc. some products price have been increased like mobile bills, aerated drinks, internet, air tickets. This paper focuses on the benefits, challenges and roll of GST on Indian economic development.

Micro, Small and Medium Enterprises (MSMEs) under the threat of COVID-19 Pandemic in India: Problems, Challenges and Strategies for Revival

Due to the outbreak of epidemic COVID-19 whole world is facing two-way crisis first as COVID-19 outbreak and economic crisis. It has been drastically impacted the socio -economic, political and psychological conditions of all nations specially developing countries like India. As social distancing is the only precaution to avoid the virus, a nationwide lockdown has been imposed which has influenced almost every aspect of the global economy as well as India. The backbone of Indian Industry, Micro, Small and Medium Enterprises (MSMEs) has been affected badly for the last couple of months due to COVID-19. MSME sector has been facing huge number of problems and challenges due to this world-wide pandemic outbreak. The researcher identified the problems faced by MSMEs during the lockdown like disruptive supply chain, low demand, clean out wasted stocks and shortage of human resource. Paper also discusses the role of government initiatives and analyzed the challenges and issues facing by MSMEs in present economic scenario on the basis of extensive literature review. Outcome of the study will help to strategies formulation to revive the MSMEs to come out from the recent crisis.

Law and Human Rights

The overarching ambit of law today encompasses not only the custodian of protecting the fundamental rights of individuals but also the right to live with dignity. This dignity comes not only from ascribed rights that an individual is entitled to, but also with a right to fair survival. The current pandemic has shown not only how a microscopic virus can drive people out of employment and how environment is a supremely important factor to our survival. While health is both a duty and a right so is the Environment. Social Justice is not simply an aim of the legal system, but also a framework and fabric on which civilization is sustained. In this sense, human rights, or rather fundamental rights include more than the rights at the personal level, to even extend to those that come with a greater application. Chiefly this resides with the environment where a person is expected to live- not simply a place but a habitable safe and secure place, and with it comes the obligation to keep it protected and preserve it too. Hence the growing environmental and health concerns are equally significant domains covered under human rights. Researchers have attempted to bring a nexus between the rights and the situations that monitor rights through this paper.