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Fintech, Sustainability and Financial Inclusion – Establishing the Link Among the Trio: A Research Model
Get PDFThis paper studies the impact of attitude towards fintech adoption on sustainable financial inclusion of a population in the extended TAM model. Judgmental sampling technique has been used for data collection using a structured self-administered questionnaire based on five-point Likert scale. The data collected is then statistically analysed using SPSS and AMOS software. Results reaffirmed that the independent variables like perceived usefulness, perceived ease of use, perceived social equity, responsible financial practices and trust have a positive impact on the attitude towards fintech adoption, which in turn has a significant positive impact on sustainable financial inclusion. Also, it was revealed that perceived risk has a significant negative impact on the attitude towards fintech adoption. These findings shall be helpful in policy and strategy formulation of the government and fintech firms in accordance to united nations sustainable development goals and world bank financial inclusion initiatives. The work is limited to a certain geography and do not include demographic characteristics like gender, income level, financial literacy, living conditions which may be further studied
Traditional isolation of fungal species in fish culture ponds
Get PDFBackground: In Iraq, fish ponds have increasingly grown in last decade as important source of protein tomaintaining of human healthy; however, contamination of water is a serious threat to aquaculture systemscausing severe economic losses.Aim: Traditional identification of the main fungal pathogens in fish ponds existed in different areas in Wasitprovince (Iraq)Materials and methods: Totally, 148 water samples were collected equally from 37 fish ponds located in fivemain areas (Al-Kut, Al-Suwaira, Al-Aziziyah, Al-Numaniyah, and Al-Hay) in Wasit province (Iraq) during June-July(2024). Then, all samples were filtered, cultured using three different media; Sabouraud CycloheximideChloramphenicol Agar, Potato Dextrose Agar, and Malt Extract Agar, and the grown colonies of fungal isolateswere purified and characterized morphologically and microscopically.Results: An overall 75.68% water samples and 83.78% of fish ponds were showed contaminated with at least onefungus. Regarding study areas, fungal contamination of water samples was increased significantly in Al-Hay anddecreased significantly in Al-Numaniyah and Al-Suwaira; whereas in fish ponds of study areas, significantincreases of fungal contamination was shown in Al-Aziziyah, Al-Numaniyah, Al-Hay, and Al-Kut; but decreased inAl-Suwaira. Also, a total of 12 different species and genera were detected among the study samples, whichinvolving 382 fungal colonies; in which, significant increases were reported in Aspergillus niger and Penicilliumsp.; while significant decreases were seen in Trichophyton mentagrophytres, Helminthosporium sp., Mucor sp.,and Trichoderma sp. when compared to values of other fungal colonies; Cladosporium sp., Rhizopus stolonifer,Microsporium cani, Fusarium solani, Candida albicans, and Alternaria alternate. Among study areas, significantincreases of fungal colonies were detected in Al-Kut and reduced in Al-Aziziyah. In relation to each area,significant increases in percentage of fungal colonies were seen in Helminthosporium sp. in Al-Kut; Alternariaalternate in Al-Suwaira; Trichophyton mentagrophytres in Al-Aziziyah; Trichoderma sp. in Al-Numaniyah; andFusarium solani and Microsporium cani in Al-Hay.Conclusions: Our findings revealed the presence of apparent fungal contamination in fish ponds existed in Wasitprovince suggesting the importance of national studies to investigating and controlling the fungal contaminationand their diseases to ensure continued high-quality growth of fish in aquaculture production industry
Sustainable Polymers: A Review of Green Synthesis and Applications
Get PDFSustainable polymers are revolutionizing materials science by providing eco-friendly alternatives to traditional petroleum-based plastics. These polymers aim to reduce environmental challenges like plastic pollution, carbon emissions, and resource depletion. This review explores the advances in green synthesis methods, such as bio-based monomers, biocatalysis, green solvents, and metal-free catalysis, that reduce dependence on fossil fuels and promote biodegradability. Some of the most prominent materials discussed are PLA and PHA, which come from renewable feedstocks such as agricultural waste and non-food biomass. Although much promise is being held by these materials, scaling up, cost-effectiveness, and mechanical performance are significant challenges to their use. In the pharmaceuticals industry, polymers have revolutionized drug delivery systems, for example, by controlled drug release, improving their biocompatibility, and reducing side effects. Controlled biodegradation has been achieved through synthetic polymers such as PLGA and PEG, and natural polymers, like chitosan and alginate, give biodegradability with biological system compatibility. Examples of advanced drug delivery technologies include stimuli-responsive and mucoadhesive polymers, which show their great flexibility in targeted therapy. The findings emphasize the need for interdisciplinary collaboration to overcome economic and performance challenges in green polymer synthesis. Future directions include optimizing enzyme-based processes, diversifying feedstocks, and integrating sustainable lifecycle assessments. These advancements are pivotal in ensuring sustainable polymers' adoption in a circular economy while addressing pharmaceutical and industrial needs
Algal Synthesis of Selenium Nanoparticles: A Green Approach to Biomedical Solutions
Get PDFThe green synthesis of selenium nanoparticles with algae is a sustainable and eco-friendly method. Algae have highly active compounds that serve as natural reducing agents by which inorganic selenium converts into selenium nanoparticles This process takes place via metabolic pathways, both intracellular and extracellular, that allow selenium ions to be reduced into stable nanoscale particles. UV-Vis spectroscopy, scanning electron microscopy (SEM), transmission electron microscopy (TEM), X-ray diffraction (XRD), and dynamic light scattering (DLS) are used to characterize the size, shape, crystalline structure, and surface properties of algae-derived SeNPs. These SeNPs show impressive antioxidant, antibacterial, and anticancer properties, thus showing potential as candidates for many biological applications such as drug delivery, wound healing, and cancer therapy. In addition, their biocompatibility and biodegradability reduce the threat of toxicity, thus making them more amenable to therapeutic applications than chemically synthesized nanoparticles. The paper discusses the advantages of algae use for the synthesis of SeNPs, indicates procedures of characterization as well as possible biological usage of SeNPs and further expands on the troubles of the scaling up green synthesis procedure and the future need for further research toward the improvement of their application at the clinic level, resulting in an overall view of additional possibilities for medicine
META ANALYTIC INSIGHTS: FLUID AND ELECTROLYTE RESUSCITATION IN ORAL AND MAXILLOFACIAL SURGERY-A PARADIGM SHIFT IN POST OPERATIVE CARE
Get PDFProper management of fluid and electrolytes is a critical component of post-operative care for patients recovering from oral and maxillofacial surgery. These patients are often susceptible to fluid imbalances due to factors like blood loss, surgical stress, pain, and changes in nutritional intake. This review examines the physiological shifts in fluid and electrolyte balance that occur after these surgeries, while highlighting key strategies for effective management. Emphasis is placed on assessing hydration status, preventing dehydration, correcting electrolyte imbalances, and addressing potential complications such as hyponatremia and hyperkalemia. The review also explores fluid replacement techniques, including intravenous and oral rehydration, and offers recommendations for ongoing monitoring and individualized treatment adjustments. Ensuring proper fluid and electrolyte balance is essential to improving recovery outcomes, reducing complications, and promoting healing in post-operative oral and maxillofacial patients
Needs Assessment and Training Methodologies for Medical Practitioners towards Emerging Digital Technology
Get PDFTechnological adoption in healthcare sector is critical in enhancing operational efficiency, improving patient outcomes and accelerating clinical research. In this case, it is important that medical practitioners have become skilled in the use of skills and tools for making appropriate decisions in the fast-paced environment that shifting in this case. This abstract examines the various training methods aimed at equipping medical staff with the ability to apply and comprehend digital technologies. Such methods involve the use of digital learning environments, simulation, and hands-on training as well as other mixed approaches whereby video technology is combined with conventional teaching that involves face to face content delivery. At the same time, talks and joint learning environments help to foster their exchanges and solving concrete tasks. This way, the realism of training opportunities is often the focus to make sure that medical professionals are able to work with these tools. Technologies including digital imaging technologies, telemedicine, electronic health records (EHR), and artificial intelligence (AI) in diagnoses are technologies that medical practitioners have to familiarize themselves with. Also addressed are range of training approaches that though can improve their technical capabilities, also concern the ethical, privacy, and security issues related to this
From Dam to Tap in Mumbai: Real- Time Water Quality Monitoring using IOT and Machine Learning
Get PDFThis research explores water supply from dams to households at real-time monitoring of the quality of the water with IoT sensors and subsequent machine learning. It ensures that water supplied from dams to reservoirs and further to household service remains pure even after its supply. The methodology includes the collection of water at the Bhandup Complex for purification and its subsequent distribution to 26 service reservoirs throughout Mumbai. For training and testing different machine learning algorithms, namely SVM, Random Forest, and LightGBM, data from these reservoirs and purified water in the Bhandup Complex are used. LightGBM achieved high accuracy on the other algorithms and achieved an accuracy of 97.5% on purified water and 75.5% on the corresponding reservoir water. Real-time monitoring of water quality by IoT sensors in houses can give information on pH, turbidity, TDS, and many other parameters. It can help trace out specific areas of contamination in the water distribution network further. Major Findings for the present study comprised the reliability of AquaSage to predict water quality and the presence of potential points of pollution, thereby ensuring that the water supply from the treatment plant would be safe for consumption.This technology brings to light the major life improvements for the citizens of public health through prompt intervention and the provision of timely water quality. Thanks to their features, one of which is the possibility of an early stage of knowing that contamination exists, they are also cutting the risk of waterborne diseases by limiting the growth of bacteria and such, so they are a great way to help sustainable water management also. On the other hand, the research shows some limitations. The data for dams and reservoirs, based on BMC's provided ranges, covers only five years and is static, not real-time. Efficiency of hardware sensors may decrease over time, and the newest scaling is possible only at households, but not in society or at building level. With this in mind, the major benefits of the study come in terms of creating an IoT infused machine learning algorithm for monitoring the projects in real-time and therefore using a user-friendly system that empowers citizens to ensure water safety. Practical implications involve eliminating the threats of waterborne illnesses in the city through giving the city dwellers an honest mechanism to avail clean water supply.The real-time monitoring features of AquaSage also prove useful for precautionary measures against contamination and sustainable water management. Later studies should focus on refining precision in forecasting, additional sensor integration, extended performance testing, user interface optimization, and use cases in aquaculture and industrial on-site water quality monitoring. More scope for the improvement of water treatment processes include full system automation and integration into water purification efforts
Effect of fermented wild plant leaf extract on crop growth and productivity of Tomato (Lycopersicon esculentum L)”
Get PDFTwelve different wild plant leaves were collected ie Azadirachta indica,Annona squamosa Gnidia glauca (Fres.) Gilg,Ricinus communis , Cascabela thevetia,Clitoria ternatea, Ailanthus excels ,Parthenium hysterophorus, Calotropis procera,Vachellia leucophloea,Gelshendi were selected and all collected plant Leaves soaked in 250 liters of water and 25 to 30 liters of cow urine was added along with 10 gm dried tobacco leaves were added to prevent insects as well as 2 to 3 kg of lime was added then all the mixture kept for fermentation for 2 months and after 15 days of time interval the spraying of formulation was given with seven different concentrations (10%, 20%, 40%, 60%, 80% and , 100% ) including control. In this present investigation it was found that highest Average plant height (78.9cm) was recorded in theT4 (40% conc.),Average number of branches(24.3) , Average number of Leaves(197.6), Average number of flower bud (10.3), Average number of fruits(19) and Average number of fruits(483.3)followed by T5 (60% conc.) Average plant height (77.9) , Average number of branches(22.6), Average number of Leaves(185.6) Average number of flower bud (11) , Average weight of fruits( 16.3 gm.) and Average number of fruits(413gm)
 
A COMPREHENSIVE REVIEW ON MICROPROPAGATION OF BACOPA MONNIERI L.
Get PDFBacopa monnieri L. Pennell, is an important medicinal plant and is commonly known as Neer-brahmi that belongs to the family Scrophulariaceae. Bacopa is growing through vegetative propagation in nature. Bacopa is a well-known drug in Ayurveda and contain a variety of chemical compounds that can be used as medicines. It is used for increases intelligence & improves memory. Brahmi is also used for antioxidant, anti-inflammatory and anti-hepatotoxic activites. Presently, Bacopa raw materials huge demand in the market, particularly in medicinal industries. But, naturally propagation of Bacopa not sufficient to provided commercial demand. So, to overcome this problem resolved through by using micropropagation techniques to sufficient for the production of important secondary metabolites. Microprogation is useful for rapid propagation and conservation of medicinally important plants with increased production of bioactive compounds. Now this review article, we study and observed for the combination of on MS medium with auxin and cytokine (BAP, IAA, IBA, NAA, Kinetin, 2,4-D) for callus, shoot and root formation for cultivation of better propagation of Bacopa monnieri
EXPLORING THE THERAPEUTIC BENEFITS OF PARTHENIUM HYSTEROPHORUS: ANTIOXIDANT AND ANTICANCER PERSPECTIVES
Get PDFParthenium hysterophorus is a highly invasive annual herb with significant medicinal properties. Traditionally, it has been used to treat various infectious and degenerative diseases. All parts of the plant act as a bitter tonic, febrifuge, emmenagogue, and antidysenteric. It has strong antibacterial, antifungal, antiviral, anti-parasitic, and anthelmintic effects due to its rich bioactive compounds, including flavonoids, polyphenols, alkaloids, terpenes, and pseudoguaianolides. Flavonoids, in particular, provide antioxidative, hepatoprotective, cardioprotective, anti-inflammatory, antiviral, and anticancer benefits. Despite its medicinal value, Parthenium hysterophorus is one of the world’s most invasive weeds, rapidly colonizing agricultural lands, forests, and disturbed habitats. It produces thousands of seeds each season, spreading aggressively in abandoned areas, roadsides, and irrigation canals, disrupting ecosystems. Recent research highlights its potential in cancer treatment. Zinc oxide nanoparticles (ZnO NPs) derived from the plant show strong antimicrobial and anticancer effects. These nanoparticles selectively kill cancer cells by inducing oxidative stress, mitochondrial damage, and apoptosis while sparing healthy cells. Enhanced ZnO-Ag nanoparticles are even more effective at lower doses, offering promise for cancer therapies, especially where conventional treatments fail. The plant’s flower extract, rich in flavonoids and pseudoguaianolides, may help inhibit tumor Growth and trigger cancer cell death. Exploring its medicinal properties could lead to new plant-based cancer treatments. Additionally, developing sustainable, affordable methods to produce safe nanoparticles for medical use may provide a solution for utilizing this invasive species in a beneficial way