The Impact of Microfinance: Helping to Improve Donor Effectiveness in Microfinance

Microfinance as a financial tool has also seen ups and downs. During 2011, market commentators predicted the end of India’s microfinance market but as on 31 March 2014, there were more than 74.30 lakh savings-linked SHGs, covering over 9.7 crore poor households. The total savings of these SHGs with banks amounted to ` 9897.42 crore. The number of credit-linked SHGs under the programme was 41.97 lakh. In 2011, the government of the state of Andhra Pradesh was seeking to prohibit the microloans business. After the crisis, RBI has handled the sector very vigilantly, carefully and very thoughtfully. The National Bank continued to provide 100 per cent refinance assistance to banks for financing SHGs. The SHG–Bank Linkage Programme (SHG–BLP) has expanded substantially since it was first launched on a pilot scale in 1992. The geographical spread of the movement has also been quite impressive from an essentially Andhra Pradesh – Karnataka phenomenon in the beginning now spreading to even the most remote corners of India. This paper tries to address impact of microfinance on women self help group members in comparison with non-beneficiaries of the microfinance schemes. Study found that the impact of microfinance on rural women economic condition is positive and microfinance is reforming their life

ROLE OF DEEPANA PACHANA KARMA IN MANAGEMENT OF RASAPRADOSHAJA VIKARAS

For a tree to stand erect with its branches, its roots must be strengthened by nourishing them timely such that the whole tree receives proper nourishment for its growth and development. Similarly, the Tridoshas, Saptha Dhatus and Tri-Malas are the roots strengthening this body when nourished timely. The Dosha-Dhatu-Mala in their state of normalcy enhances the strength of the body which is inferred through their respective physiological functions. This is achieved under the influence of two factors that is- Ahara and Agni. Ayurveda has endowed the function of thermogenesis and metabolism in the body to Agni. Proper functioning of Agni is responsible for all the metabolic activities in the body. Thereby, Agnimandya is said to be the root cause for all the diseases, as it results in the formation of Ama affecting the Rasavaha Srotas initially. The Ama Lakshanas resemble with the Rasapradoshaja Vikaras. Kapha Dosha is said to be the Asrayee in Rasa Dhatu and thereby the Rasa Vruddhi Lakshanas are similar to that of Kapha Vruddhi Lakshanas. So the Chikitsa as mentioned for Kapha Dosha can be implemented in Vruddhi/Kshaya of Rasa Dhatu. Shodhana without Ama-Pachana results in further complication. Therefore the line of treatment revolves around Srotoshodhana, Pachana, Agnideepana and Vatanulomana

A Method for Dynamic Characterization and Response Prediction Using Ground Vibration Test(GVT)Data for Unknown Structures.

The Objective Of This Proposed Work Is To Develop A Reliable Method For Dynamic Characterization And Prediction Of Dynamic Response Of Structures Of Known/Unknown Configurations, By Processing The Free Vibration Data Generated Experimentally From The Ground Vibration Tests (GVT)Of The Prototype Vehicles. The Methodology Would Make Use Of The Measured Dynamic Data In Terms Of Mode Shapes, Natural Frequencies, Modal Damping, Point Impedances Etc.And Generate Modal (Scaled) Stiffness And Inertia Information That Will Be Used For Prediction Of Response Characteristics Of The Prototype Structure . With These Objectives, The Present Work Develops The Mathematical Formulation Of The Method, And Demonstrates Its Reliability By Performing The Experiment On A Simple Cantilever Beam To Determine Its Dynamic Characteristics. Results On Scaled Modal Stiffness And Inertia, Generated Through The Method Using Experimental (GVT) Data Show Excellent Agreement With Those Generated By FE And Analytical Models .It Must Be Noted That A Valid Benchmarking Is Performed With The Condition That The Experimental Procedure Is 'Blind' To The Actual Stiffness And Inertia Distributions As Used In FEM Or Analytical Models . Agreement Of The Predicted Response Of The Structure With That From Direct Experiment And Those From The FE And Analytical Models Indicates That This Method Will Be A Promising Tool To Predict The Dynamic And Aeroelastic Characteristics Of Any Prototype Vehicle In The Future. Once The Reliability Of The Method Is Established,It Can Be Extended To Determine The Dynamic And Aeroelastic Characteristics Of All Aircraft For Which Dynamic Characteristics Are Available From A Ground -; Vibration Test (GVT)