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Updated Saturday, 16 October 2021

Author(s):  
Yohannes Workeaferahu Elifneh ◽  
Jagadish Brahma Goulap ◽  
Dagmawi Solomon

In this article, we explore the relationship between corporate social responsibility and profitability with particular reference to Ethiopian financial industry. In line with this, the paper investigated the practice of corporate social responsibility and its impact on profitability in two private banks in Ethiopia. The study used two sampling phases. The first one is to sample out the two banks among the sixteen private banks operated in the country and the second phase is to select number of respondents within the selected banks. According to National Bank of Ethiopia, (NBE, 2020) annual report among the sixteen private commercial banks operated in the country, six of them were operated in the industry for more than 20 years and two banks namely Dashen and United banks were randomly selected for the study. The study used questionnaires as an instrument for data collection and the Cronbach alpha test was used to test the reliability of the instrument. Correlation analysis was carried out to identify the nature of strength and direction of the relationship between the independent variables (philanthropic, ethical, legal and economic responsibilities) and the dependent variables (profitability), regression analysis was also employed to determine the degree in which the dependent variable can be predicated or explained from the independent variables. The finding reveals that ethical, philanthropic, legal and economic responsibilities of CSR dimension have a positive and significant impact on profitability of the banks. Furthermore, the overall finding of the study suggested that CSR practice of banks has a significant impact on the level of their profitability. The study recommends that banks should improve their efforts exerted towards their CSR practice in order to enhance their profitability.


Author(s):  
Khairi Salem Ahmed

This article presents a study of the state of the art of sensor networks wireless systems, which continue to develop and present a wide variety of Applications. These networks constitute a current and emerging field of study where combines the development of computers, wireless communications and devices mobile phones and integration with other disciplines such as agriculture, biology, medicine, etc. I know presents the main concept, components, topologies, standards, applications, problems and challenges, then delves into security solutions and concludes with basic simulation tools.


Author(s):  
Ikeobi Nneka Rosemary ◽  
Ayeni Akintunde Olawande

This paper assesses the effect ofidentity management reform, namely the Bank verification number (BVN) policy on fraud prevention in the Nigerian banking industry. Using secondary data obtained from annual reports of Nigerian Deposit Insurance Corporation (NDIC) from 2011 to 2018, the study employed descriptive method to analyze trend in fraud variables before and after introduction of the policy and independent t-test to test the hypotheses in the study. Findings revealed that there was an initial decrease in number of staff involved and total amount involved in fraud in the two years following BVN introduction, but which showed increases thereafter.A similar trend was revealed in various fraud types with internet banking fraud showing significant increases in frequency of cases. The results from the t-tests revealed that theBVN policy had no significant impact on fraud prevention within the period under study. It was recommended that the banking public be educated on the different types of fraud and how to protect their personal details from getting into wrong hands. There is also the need to beef up security by improving on protocols required to carry out bank transactions particularly in the area of internet banking. It was also suggested that all bank account numbers be linked to the National Identity Number (NIN) immediately in line with proposals made by the Federal Government on identity management.


Author(s):  
Nikhade H.R. ◽  
B. Ram Rathan Lal

Use of conventional materials is increasing day by day due to rapid infrastructural growth which increases the cost of materials and increases the cost of construction. Hence utilization of Sugar cane bagasse ash waste materials without causing threat to environment solves the problems of disposal and also can provide economical materials. In this study glass fiber, sugarcane bagasse ash and blast furnace slag were used and cement used for binding purpose. Different mix ratio was prepared to understand the effect of addition of glass fibre on sugar cane bagasse ash based materials under compressive loading. The mix ratio was taken 0.2 to 1.0% for the research work. Blast furnace slag was added 10% to weight of sugar cane bagasse ash. The sample were tested for compressive loading for 7, 14, 28 days respectively. The density is most important parameter of materials. It was observed that the density of materials significantly influences with addition of glass fibre. The density of materials decreases with percentage of glass fiber increase. The density of materials varies between 901.1 kg/m3 to 741.10kg/m3The compressive strength also significantly affected by percentages of glass fibre. The compressive strength ranging 82 kPa to 798 kPa. The compressive strength increases up to certain mix ratio then decrease continuously. The stiffness of sugar cane bagasse ash specimens reinforced with glass fiber at cement 20% more than 15% and 10%.The stiffness also increase with the curing period. The maximum load was observed at 0.6% mix ratio. The stress strain behavior was observed to be nonlinear.


Author(s):  
Jayesh J Jadhav ◽  
Ashish Kathale ◽  
Shreeya Rajpurohit

Profitability being one of the cardinal principles of bank lending acts as a game changer for the survival and success of private sector banks in India. In order to stay profitable, banks have to capitalise on every penny advanced to yield the expected returns. However, considering the constraints laid down by the Reserve Bank of India, banks have to maintain a minimum capital adequacy ratio, as per the current BASEL III regulations active in India. With the mergers of public sector banks, the challenge has got just tougher for the private sector banks in India. Expansion and Diversification are the key strategies adopted by the key players from the private banking sector, however, with the minimum capital adequacy ratio observed by them, it is necessary to understand its actual impact on the bank’s profitability. This research paper aims to throw light upon the linkage that capital adequacy has with the bank’s profitability. It attempts to establish a relation between the Capital Adequacy Ratio with the Net profits of the bank. For the purpose of this study, data from the past 5 years of the leading private sector banks has been collected, namely, HDFC Bank, ICICI Bank, Kotak Mahindra Bank, AXIS Bank and YES Bank. The collected data has been analysed using Pearson’s Correlation to establish a relation between the CAR Ratio & the bank’s profitability. Hypothesis testing has been further done to study the quantum of proportionate change in the profitability with a change in the CAR Ratio for private sector banks using applicable research tools. The said research tools are applied to achieve the desired results while maintaining the required quantum of accuracy. It also aims to understand the proportionate impact of changes in CAR to the bank’s profitability, which can act as a suggested measure for banks to develop a reliable framework for efficient capital management and increase overall efficiency. The results derived from the data collected and analyzed aim to pro


Author(s):  
Dayanand Trimukh Hattiambire ◽  
Prabhakar Harkal

Micro, small and medium enterprises (MSMEs) are an indispensable part of the Indian economy. In terms of Gross Value Added (GVA) and Gross Domestic Product (GDP), MSMEs accounted for about 33% and 31% of India's GVA and GDP, respectively, in the year 2019-20. Unlike large enterprises that are concentrated in the metros, MSMEs are spread across smaller and larger rural as well as urban centres of India. They are also the biggest source of employment, especially in rural India, and contribute to the rural development and industrialisation. MSMEs also act as a great social bridge as smaller enterprises are owned by socially backward classes and women than are larger enterprises. For these reasons and more, the India government has always promoted the growth and development of MSMEs through policy initiatives, technology up gradation, and via other means. Consequently, MSMEs have also grown in multi-folds in the past decades in terms of the number of enterprises in operation and the collective revenue of the sector. Several challenges affect the growth of MSMEs, however. One of these is the limited academic studies into the financial performance of MSMEs, probably due to the unavailability of adequate data. The present research attempts to fill this gap by conducting a financial performance evaluation of 51 sample MSMEs based in the district of Nanded, Maharashtra. The research utilizes Data Envelopment Analysis (DEA) to compare the financial performance of sample MSMEs selectively using the suitable variables identified by Arasu et al. (2021). Findings suggest sharp differences in the financial performance of sample units. Inefficient units are suggested to improve their return on asset, return on capital employed, and net profit margin.


Author(s):  
Hayati Yusof ◽  
Mai Farhana Mior Badrul Munir ◽  
Zulnurhaini Zolkaply ◽  
Muhammad Ashraf Anuar

COVID-19 pandemic has forced schools and academic institutions all over the world to shift to remote online learning overnight. This is the longest disruption to the traditional face-to-face (physical) classroom learning ever. As the shift was unexpected, many stakeholders including teachers, administrators, parents and the students themselves have to embrace the Sudden Screen Learning (SSL) with or without sufficient resources, strategy and plans. As a result of social distancing in order to curb the spread of the pandemic, some students struggled to catch up with online learning challenges as family incomes deteriorated. This research intended to investigate the factors that push private university students to accept and adopt the sudden, remote online learning by applying the UTAUT constructs namely Performance Expectancy (PE), Effort Expectancy (EE), Subjective Norms (SN) and Facilitating Conditions (FC), taking into account the students’ Learning Styles as well as the moderating effect of Trusting Beliefs. The expected outcomes of the research will provide useful insights to the school administrators and regulators in understanding students’ SSL actual usage behaviour, thus, devising effective e-curriculums that will adhere to the same or even better quality of education as an assurance to the future of the younger generations.


Author(s):  
Paola Parra O. ◽  
Marcos Quispe P. ◽  
Evelyn Paucara V. ◽  
Oscar Miranda Z. ◽  
Flor de María Gutierrez S.

Discussions approximately an environmental control method for deep seabed mining in the Area had been underway for some the years. Both states and scientists have known for such an environmental control method. In 2018, the International Seabed Authority has followed its first 5-year strategic plan, masking all elements of its mandate. This article examines the brand-new strategic plan integrates factors of an environmental control method and what is probably missing. It demonstrates that even as a few overlaps exist, there are numerous key gaps left via way of means of the modern strategic plan which will be stuffed via the way of means of an environmental control method. To operationalize those desires and objectives, development ought to be measurable; thus, objectives are set, reviews are assessed, and suitable responses are awarded. Many control equipment and toots are relevant for accomplishing environmental desires. To date, the ISA has taken into consideration marine spatial making plans in large part across the modern exploration settlement blocks. Other factors of environmental control, which include the necessities for baseline studies, effect assessment, post-effect tracking, and the remedy of dangerous consequences and extreme damage want to be carried out to assist well-described environmental desires and objectives. We advocate that this making plans be done for scales largethan man or woman blocks, through a Strategic Environmental Management Plan, to make certain sustainable use of ocean assets throughout the Area.


Author(s):  
K. Amritha ◽  
Harika Savitry ◽  
Shamma Parveen ◽  
K. Sai Soumya ◽  
B. Shirisha Reddy

The project is about the improvement of voltage stability of the system which has a wind farm connected to the Grid. A combination of TCSC and STATCOM is used in the controller. The controller ensures that the system receives enough reactive power to maintain stability. The simulation model is going to be inbuilt MATLAB/SIMULINK. output voltages of the system without the controller, with each component acting separately and the collaborative control effect of TCSC and STATCOM, will be compared and studied in the simulated model to prove the efficiency of the controller.


Author(s):  
Ajit Singh

Pulses are an important part of Indian daily diets. Pulses are a key commodity category of crops that supply high quantity protein to the country's mainly vegetarian population, supplementary grains proteins. India is the world's leading producer and consumer of pulses. India imports a considerable number of pulses to meet the domestic requirement of pulses. India remains responsible for almost 15 percent of the import-export, 27 percent of the total consumption of pulses at the world level, and 25 percent of the total production of the pulses every year.


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