17 research outputs found
Financial inclusion of the deprived in India: historical perspectives
Full text linkFinancial Exclusion is considered as a global issue according to The Economist report. Fewer than 10 percent of people have access to financial services of any sort based on the report. This exclusion is not only limited to developing countries but can be seen in developed countries too. Challenges in accessing finance, resources and financial services has remained a big constraint globally. Nearly 2.7 billion people or two-thirds of the world’s population lacks access to basic financial services, such as savings or checking accounts. According, to a world report, India is one of the ten fastest growing economies in the world and the Indian economy has recorded impressive growth rates over the years. However, social groups that are not a part of the process of economic growth tend to get marginalized. This can be established by the fact that despite being the 6th largest economy in the world, one third of the world’s poor still reside in India
Factors influencing financial inclusion in India
No full textIn the modern era, financial institutions serve as facilitators of economic progress and advancement. It is, therefore, necessary that people have equitable access to these financial institutions and the services they offer especially in emerging economies like India. Notwithstanding that the Indian banking sector has grown tremendously over the years in terms of performance and outreach, a large number of people have limited or zero access to the financial services. Financial Inclusion thus emerges as a necessity for it is equally beneficial to the banks as well as to the unserved population vis-a-vis the provision of new avenues for the former and financial services for the latter. In this study, we used panel data covering Indian states over a period of five years, from 2009 to 2013, to assess the factors influencing financial inclusion in the country. This study found that distinct state-effect is prevalent among the Indian states. Further, the number of factories as a proxy for industrialization and outstanding credit as a proxy for loans and advancements significantly reveal that income and employment generating schemes must be launched by the Government of India and the Central Bank of India keeping in mind the underprivileged lot
The Efficiency of Waqf Practice in Human Resource Development: Evidence from Different Countries
Full text linkWaqf is as an Islamic charity foundation for the realization of goals through property and finance allocated to a legal foundation. In Muslim countries, there are many projects [1]that are operated through waqf benefices and assets. Waqf is often channelled to humanitarian projects, cultural, economic, health, education and training, among other social welfare projects. This paper discusses the efficiency of waqf practice in human resource development, particularly in Algeria, Bangladesh, Sudan, Morocco, Indonesia, Singapore, Kuwait and Malaysia. The significance of this paper manifests in its analysis of the waqf models practiced in the sampled countries from which the paper concludes that waqf is inefficiently managed in Indonesia, Bangladesh, Algeria and Morocco. However, waqf is efficiently practiced in Singapore, Kuwait, Sudan and Malaysia. The study raises awareness of the role of waqf in social development. It attempts to define a new approach which attempts to merge waqf models from successful countries with those in which waqf appears to be inefficient particularly in regards to its application for the development of human resources. Furthermore, the paper claims that waqf is the most suitable mechanism for poverty alleviation
EFFECT of hydrocolloids on the quality evaluation of flour based noodles from Horse Chestnut
No full textThe present study was focused to investigate the effects of hydrocolloids (guar gum and xanthan gum) at additional levels (1%, 2% and 3%) on the noodle characteristics prepared from horse chestnut flour. The qualities of noodles prepared from horse chestnut flour were compared with wheat flour based noodles in terms of cooking characteristics, textural and sensory properties. The hydrocolloid addition in noodles resulted in improvement of cooking and textural qualities in consistent to control sample. The incorporation of 3% gum significantly increased cooking properties and the firmness of cooked noodles. The results of the sensory evaluation based on a nine point hedonic scale revealed that apart from the control, noodles with 3% gum were acceptable to the panellists
EFFECT of hydrocolloids on the quality evaluation of flour based noodles from Horse Chestnut
No full textThe present study was focused to investigate the effects of hydrocolloids (guar gum and xanthan gum) at additional levels (1%, 2% and 3%) on the noodle characteristics prepared from horse chestnut flour. The qualities of noodles prepared from horse chestnut flour were compared with wheat flour based noodles in terms of cooking characteristics, textural and sensory properties. The hydrocolloid addition in noodles resulted in improvement of cooking and textural qualities in consistent to control sample. The incorporation of 3% gum significantly increased cooking properties and the firmness of cooked noodles. The results of the sensory evaluation based on a nine point hedonic scale revealed that apart from the control, noodles with 3% gum were acceptable to the panellists
Biochemical and physiological characterization of caspase activity in haloarchaea
No full textCaspases, cysteine aspartate-specific proteases, are key initiators and executioners of programmed cell death across a wide array of life. Archaea had been absent from the caspase inheritance discussion due to a notable lack of gene homologues with diagnostic domain signatures. Nonetheless, extremely high, basal caspase-like catalytic activity linked to the cellular stress response was recently demonstrated in the model haloarchaeon, Haloferax volcanii, and shown to be widespread among diverse phyla of archaeal extremophiles. In this dissertation, the catalytic specificity of observed caspase activity in H. volcanii was rigorously tested using hydrolytic assays with a diverse suite of canonical, fluorogenic protease substrates and inhibitors, with model serine and cysteine proteases serving as controls. It was demonstrated that H. volcanii possesses an extremely high level and highly specific caspase-like activity in exponentially growing cells that most closely resembles caspase-4. It is the dominant cellular proteolytic activity, is preferentially inhibited by a pan- caspase inhibitor, and has no cross-reactivity with other known protease families. Biochemical purification and in situ trapping with biotinylated fmk- and AOMK-based inhibitors, combined with genome-enabled proteomics and structural alignments were collectively used to identify the protein(s) that are associated with this caspase activity. These analyses identified a diverse suite of cellular proteins including thermosomes, proteasomes, a cell division protein, an ATPase (recently identified as an activator of proteasomal degradation), a putative nuclease, a putative aminopeptidase, elongation factor αEF-2, and an ornithine cyclodeaminase as key proteins associated with caspase activity. These findings biochemically connected caspase activity in H. volcanii to specific stress-related protein complexes, including those involved in the unfolded protein response (UPR). A subset of these candidate proteins were targeted for gene knockouts to empirically test their relationship to caspase activity, to assess their physiological roles, and link to UPR through incubations with canavanine. We show that loss of this activity or reduction from a critical threshold level has important consequences to organismal fitness, placing caspase activity in a novel cellular context. Given the deep archaeal roots of eukaryotes, we posit that it evolved as part of a cellular protein-quality control system, ensuring proper production, folding, and degradation.Ph.D.Includes bibliographical referencesby Mansha Seth Pasrich
منشایاد کے افسانوں میں رسوماتی و توہماتی عناصر
No full textMansha Yad is a name of well-known symbolic short story writer. In his specific style, he narrated and painted the real picture of both rural amp; urban life of Pakistan. In Pakistan, there is a vast difference between Rural amp; Urban communities in terms of living style, customs and standards. Comparatively rural area is not only more populated but more ignorant also. The entire atmosphere is overwhelmed by supernatural and feudalistic elements. In this article, the author tried to give a bird eye view of Mansha's stories to reach the roots of customs in a symbolic way
