Microfinance Facility for Rural Women Entrepreneurs in Pakistan: An Empirical Analysis

Since 1990, microfinance has gained universal recognition as an essential and useful tool to address the economically productive poor and provide them with a way to come out of the vicious circle of poverty, by delivering loans and credit on flexible terms in contrast to commercial banks. Many studies from different parts of the world have shown significant economic and social uplift of recipients (both men and women) of microfinance programs. However, in recent years, some studies argue against the positive influence of microfinance and stresses that microfinance is commercialized, and it has become more of a profit generation activity than uplifting of the economically productive poor, which is one of many core objective of microfinance organizations. Many empirical studies have been done to know the effects of microfinance on the welfare of households. They are well documented, e.g., in Bangladesh and India, but only a few studies assess the microfinance effect on rural female entrepreneurs of Pakistan. The present study was carried out to empirically analyze the outcome of microfinance on Pakistan’s female entrepreneurs. Women’s empowerment is gauged using income and consumption as welfare indicators. The difference in difference method is applied to investigate the effects of microfinance on its recipients, which is considered a useful tool to tackle the selection bias problem. Our study result shows that microfinance programs that target women not just only increase income and consumption of female borrowers, making them financially stable, but in fact, many local stakeholders also get benefited from it, and in turn, it creates opportunities for the whole local community. However, our results also show that it does not reach to the poorest of poor women (extremely poor) and thus does not serve the purpose of many of its core objectives, i.e., poverty reduction of extremely poor and henceforth should not be relied upon in this perspective

Assessment of Microbial Load of Milk Shakes Available in Various Educational Institutes of Lahore

Background: A milkshake is a delicious and non-carbonated refreshment produced using dairy, frozen flavour related item. The growth of microbes is inevitable in milk shakes when proper hygienic conditions were not maintained. These microbes may produce toxins which are harmful and may lead to food poisoning. This study was established to calculate total plate count (Staphylococcus aureus, Total coliform and Salmonella) present in Apple and Banana milk shakes. Study Design: The samples from 25 different public and private educational institutes were collected to analyse using pour plate method to determinate total microbial load in apple and banana milk shake. Results and Discussion: Total plate count in August was significantly higher than in November. In August TPC range of banana shake was between 2.3x107-7.2x107 cfu/ml and respectively in November range between 2.1 x107-6.7 x107cfu/ml. In August TPC range of apple shake between 2.2x107-7.5x107 cfu/ml and respectively in November range between 2.08 x107-6.5 x107cfu/ml. The S. aureus in banana milk shake were positive 19 (76%) in the month of August and 15 (60%) were also positive in the month of November. The S. aureus in apple milk shake were found to be positive 18 (72%) during August and 16 (64%) were also positive during November. The Total coliform count in apple milk shake was positive 16 (64%) in August and 14 (56%) were also positive in November. The total positive coliforms were 15 (64%) in August and 14 (56%) were also positive in November. Conclusion: The findings of the present study showed a much higher prevalence of microbial load in banana and apple. We suggested that in most of the samples, the total bacterial load was much higher than recommended by the Gulf standard. So these drinks are not fit for consumption

The State of AI-Empowered Backscatter Communications: A Comprehensive Survey

The Internet of Things (IoT) is undergoing significant advancements, driven by the emergence of Backscatter Communication (BC) and Artificial Intelligence (AI). BC is an energy-saving and cost-effective communication method where passive backscatter devices communicate by modulating ambient Radio-Frequency (RF) carriers. AI has the potential to transform our way of communicating and interacting and represents a powerful tool for enabling the next generation of IoT devices and networks. By integrating AI with BC, we can create new opportunities for energy-efficient and low-cost communication and open the door to a range of innovative applications that were previously not possible. This paper brings these two technologies together to investigate the current state of AI-powered BC. We begin with an introduction to BC and an overview of the AI algorithms employed in BC. Then, we delve into the recent advances in AI-based BC, covering key areas such as backscatter signal detection, channel estimation, and jammer control to ensure security, mitigate interference, and improve throughput and latency. We also explore the exciting frontiers of AI in BC using B5G/6G technologies, including backscatter-assisted relay and cognitive communication networks, backscatter-assisted MEC networks, and BC with RIS, UAV, and vehicular networks. Finally, we highlight the challenges and present new research opportunities in AI-powered BC. This survey provides a comprehensive overview of the potential of AI-powered BC and its insightful impact on the future of IoT

Phytochemical screening of Bixa orellana and preliminary antidiabetic, antibacterial, antifibrinolytic, anthelmintic, antioxidant, and cytotoxic activity against lung cancer (A549) cell lines

Bixa orellana (B. Orellana) is a frequently utilized plant that has grown in significance in pharmaceutical applications. The leaves extract of B. orellana was used in the current study for preliminary phytochemical analysis in terms of both quantitative and qualitative, which indicates the presence of phenols, alkaloids, and flavonoids. Furthermore, the extract demonstrated antifungal activity at 30 mm zone of clearance against Candida albicans and antibacterial activity at 16 mm zone of clearance against Bacillus nakamuria by well diffusion method against different strains. The plant extract showed a MIC of 20 µg/mL and MBC of 157.11 µg/mL against E. coli by ELISA and broth dilution method, respectively. To evaluate the phytochemicals in the extract, further purification of the extract by TLC, column chromatography, and component analysis by GC–MS, which reported 18 components, and UV spectrum were performed. A number of therapeutic applications for the extract were observed, including antidiabetic activity (anti-glucosidase) of 98.34% inhibition at 100 µg/mL, anti-lipase of 100% inhibition at 100 µg/mL, and anti-amylase activity of 100% inhibition at 100 µg/mL, antioxidant activity (anti-DPPH activity) of 59.74% inhibition at 100 µg/mL, anthelmintic at 1 min by 1000 µg/mL, antifibrinolytic at 20 secs by 1000 µg/mL and cytotoxic activity against A549 lung cell lines, wherein, the cell viability was below 40 % at the highest dose (100 µg/mL), with an IC50 value of 39.9 µg/mL

Environmentally friendly production, characterization, and evaluation of ZnO NPs from Bixa orellana leaf extract and assessment of its antimicrobial activity

Zinc oxide nanoparticles (ZnO NPs) are establishing themselves as an important class of nanomaterials due to their exceptional physicochemical properties and wide range of applications. Due to their affordability, lack of toxicity, and strong biocompatibility, ZnO NPs find extensive use in the field of biomedicine. ZnO NPs are promising in biomedicine, especially for their ability as anticancer and antimicrobial agents. The ecologically sustainable preparation of metallic NPs using different plant extracts is a viable alternative to more conventional synthesis methods. The present study investigates the effects of changing the physical conditions on ZnO NPs synthesis from Bixa orellana (B. orellana) extract using the precipitation method. Confirmation and characterization of the ZnO NPs were achieved by analytical techniques. EDS results verified that highly pure ZnO NPs were synthesized. X-ray diffraction analysis verified the crystal nature of the synthesized NPs and their crystalline particle size of 82.66 nm. The XRD graphs strongly indicate the formation of wurtzite ZnO due to the presence of the (100), (002), and (101) planes. The antibacterial activity was assessed through the utilization of agar disc diffusion. The findings revealed that ZnO NPs exhibited significant efficacy in inhibiting the growth of both Gram-positive and Gram-negative bacteria. The zone of inhibition with the greatest diameter (22 mm) was reported for the bacterial strain B. cereus. The present investigation provides evidence that B. orellana leaves extract is capable of producing ZnO NPs, which play a crucial role in its antibacterial action. Additional investigation is necessary to validate the role of diverse phytochemicals in the synthesis of ZnO NPs and their applications in diverse fields such as agriculture, cosmetics, food, and healthcare

Etikonomi : jurnal ekonomi volume 21 (1) 2022

ii, 212 hlm, 29,5 x 21 c