Rural Perspective towards Financial Inclusion

Financial Inclusion or inclusive financing is the delivery of financial services at affordable costs to sections of disadvantaged and low-income segments of society, in contrast to financial exclusion where those services are not available or affordable. For the purpose of giving such financial services in easy and convenient way government has developed many financial plans in the rural areas. These plans are helpful for people who want to access financial services. The availability of banking and payment services to the entire population without discrimination is the prime objective of this public policy. Thus the term Financial Inclusion can be defined as the process of ensuring access to financial services and timely and adequate credit where needed by vulnerable groups such as weaker sections and low income groups at an affordable cost. The nations should takeover and remedy to reach the financial services to the weaker sections. So, this study has been undertaken to analyse the prospects of financial inclusion in rural areas.Keywords. Bank, Financial Services, Financial Inclusion, Rural Perspective.JEL. G20, G29, G30

Financial consumer protection and customer satisfaction. A relationship study by using factor analysis and discriminant analysis

This paper tries to make an attempt to study the relationship between the financial consumer protection and customer satisfaction by using factor analysis and discriminant analysis. The main objectives of the study are to analyze the financial consumer protection in commercial banks, to examine the customer satisfaction of commercial banks and to identify the factors of financial consumer protection lead customer satisfaction. There are many research work carried out on financial consumer protection and financial literacy, but the identification of factors which lead the financial consumer protection and the relationship between financial consumer protection and the customer satisfaction is very important, Particularly for banks to improve its quality and increase the customer satisfaction. Therefore this study is carried out with the aim of identifying the factors of financial consumer protection and its influence on customer satisfaction. This study is both descriptive and analytical in nature. It covers both primary and secondary data. The primary data has been collected from the customers of commercial banks using pre-tested interview schedule and the secondary data has been collected from standard books, journals, magazines, websites and so on

Analysis of E-CRM Services of Banks: From the View of Bankers

In this article the researcher has analyzed the E-CRM services of banks in Virudhunagar District in the point of view of employees. The main objective of the study is analyzing the opinion of bank employees about e-CRM services of banks in Virudhunagar District and also offers suitable suggestions on the basis of findings of the study. The data required for the study has been collected during the year 2014. This study is both descriptive and analytical in nature. This study covers both Primary data and Secondary data. The Primary data have been collected from 83 bank officials in Virudhunagar District with the help of pre–tested interview schedule and questionnaire respectively. The Secondary data have been collected from the records of banks, published books, journals, reports and circulars issued by the Reserve Bank of India, encyclopedia and through web sites. The researcher has used the percentage analysis throughout the report to express the opinion of the respondents and in order to test the opinion of the bank employees about the e-CRM services with the help of Kolmogorov Smirvo Test.&nbsp

Comparison of Customer Satisfaction in SBI and ICICI- Application of Mann-Whitney Rank Sum U-Test

Customers have become the lifeblood of any organization. Without customers, organizations would not exist let alone survive in this competitive global environment. Banks depend on sufficient and sustaining profitability to survive in the global business world. Customers are the source of banks’ profitability. By satisfying the customer, the bank is able to retain the customer and reap maximum benefits from the relationship which ultimately leads to higher profitability. Customer satisfaction has therefore evolved as a strategic business initiative which banks cannot ignore and retention of the bank customer has become one of the most important objectives of the overall marketing strategy of any bank. Customer satisfaction has been one of the main concerns of banks of late. This has been necessitated by the stiff competition in the banking industry. Banks are striving hard to offer quality services and products in a bid to maintain existing customers and woo new ones as well. Customers on the hand want the best value for their money so they are always coming around to get the best services

The effect of leaves extracts of Clitoria ternatea Linn against the fish pathogens

AbstractObjectiveTo investigate the antimicrobial activity of Clitoria ternatea(C. ternatea) against the fish pathogens viz., Pseudomonas aeruginosa(P. aeruginosa), Escherichia coli(E. coli), Klebsiella pneumonia(K. pneumonia), Bacillus subtilis(B. subtilis), Aeromonas formican(A. formicans)s, Aeromonas hydrophila(A. hydrophila) and Streptococcus agalactiae(S. agalactiae) isolated from diseased Tilapia (Oreochromis niloticus).MethodsThe extracts of C. ternatea was tested against P. aeruginosa, E. coli, K. pneumonia, B. subtilis, A. formicans, A. hydrophila and S. agalactiae by the agar well diffusion method.ResultsDifferent extracts of C. ternatea showed inhibitory effects against P. aeruginosa, E. coli, K. pneumonia, B. subtilis, A. formicans, A. hydrophila and S. agalactiae. Ethyl acetate extracts of C. ternatea showed maximum of zone of inhibition against A. formicans (18 mm), A. hydrophilia (19 mm), B. subtilis (19 mm) and P. aeruginosa (21 mm) next to that ethanol extract of C. ternatea showed A. formicans (18 mm) and E. coli (14 mm) followed by Acetone extract showed maximum zone of inhibition S. agalactiae (19 mm) and K. pneumonia (17 mm).ConclusionsThe antimicrobial activities of all the four plant extracts are comparable and their potential as alternative in the treatment of infectious by these microorganisms was present in the fish. Susceptibility testing is conducted on isolates using drugs selected on the basis of their importance to human medicine and use in fish production

Analysis of E-CRM Services of Banks: from the View of Bankers

In this article the researcher has analyzed the E-CRM services of banks in Virudhunagar District in the point of view of employees. The main objective of the study is analyzing the opinion of bank employees about e-CRM services of banks in Virudhunagar District and also offers suitable suggestions on the basis of findings of the study. The data required for the study has been collected during the year 2014. This study is both descriptive and analytical in nature. This study covers both Primary data and Secondary data. The Primary data have been collected from 83 bank officials in Virudhunagar District with the help of pre–tested interview schedule and questionnaire respectively. The Secondary data have been collected from the records of banks, published books, journals, reports and circulars issued by the Reserve Bank of India, encyclopedia and through web sites. The researcher has used the percentage analysis throughout the report to express the opinion of the respondents and in order to test the opinion of the bank employees about the e-CRM services with the help of Kolmogorov Smirvo Test

Randomized Clinical Trial of Thrice-Weekly 4-Month Moxifloxacin or Gatifloxacin Containing Regimens in the Treatment of New Sputum Positive Pulmonary Tuberculosis Patients

<div><p>Background</p><p>Shortening tuberculosis (TB) treatment duration is a research priority. This paper presents data from a prematurely terminated randomized clinical trial, of 4-month moxifloxacin or gatifloxacin regimens, in South India.</p><p>Methods</p><p>Newly diagnosed, sputum-positive HIV-negative pulmonary TB patients were randomly allocated to receive gatifloxacin or moxifloxacin, along with isoniazid and rifampicin for 4 months with pyrazinamide for first 2 months (G or M) or isoniazid and rifampicin for 6 months with ethambutol and pyrazinamide for first 2 months (C). All regimens were administered thrice-weekly. Clinical and bacteriological assessments were done monthly during treatment and for 24 months post-treatment. The Data and Safety Monitoring Board recommended termination of the trial due to high TB recurrence rates in the G and M regimens.</p><p>Results</p><p>Of 416 patients in intent-to-treat analysis, 6 (5%) of 124, 2 (2%) of 110 and 2 (2%) of 137 patients with drug-susceptible TB in the G, M and C arms respectively had unfavorable response at the end of treatment; during the next 24 months, 17 (15%) of 115, 11 (11%) of 104 and 8 (6%) of 132 patients respectively, had TB recurrence. Of 38 drug-resistant patients 1 of 8 and 3 of 26 in the G and C arms respectively had unfavourable response at the end of treatment; and TB recurrence occurred in 2 of 7 and 2 of 23 patients, respectively. The differences in TB recurrence rates between the G and C arms was statistically significant (p = 0.02). Gastro-intestinal symptoms occurred in 23%, 22% and 9% of patients in the G, M and C arms respectively, but most reactions were mild and manageable with symptomatic measures; 1% required regimen modification.</p><p>Conclusions</p><p>4-month thrice-weekly regimens of gatifloxacin or moxifloxacin with isoniazid, rifampicin and pyrazinamide, were inferior to standard 6-month treatment, in patients with newly diagnosed sputum positive pulmonary TB.</p><p>Trial Registration</p><p>Clinical Trials Registry of India <a href="http://clinicaltrials.gov/ct2/show/CTRI/2012/10/003060" target="_blank">CTRI/2012/10/003060</a></p></div

Status at end of treatment in 416 patients according to initial drug susceptibility profile (Intent – to –treat analysis).

*<p>Response could not be assessed in 7 lost patients – Gatifloxacin (4), Moxifloxacin (1), Control (2).</p>∧<p>4 patients –Treatment changed for toxicity (Seizure - 3, Cardiac –1), unfavouable bacteriological response –3.</p><p><a href="mailto:@" target="_blank">@</a> Treatment changed for pneumothorax −1, unfavouable bacteriological response −1.</p><p>$ Treatment changed for hepatotoxicity –1, unfavouable bacteriological response −4.</p