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

Point Process Algorithm: A New Bayesian Approach for Planet Signal Extraction with the Terrestrial Planet Finder

The capability of the Terrestrial Planet Finder Interferometer (TPF-I) for planetary signal extraction, including both detection and spectral characterization, can be optimized by taking proper account of instrumental characteristics and astrophysical prior information. We have developed the Point Process Algorithm (PPA), a Bayesian technique for extracting planetary signals using the sine-chopped outputs of a dual nulling interferometer. It is so-called because it represents the system being observed as a set of points in a suitably-defined state space, thus providing a natural way of incorporating our prior knowledge of the compact nature of the targets of interest. It can also incorporate the spatial covariance of the exozodi as prior information which could help mitigate against false detections. Data at multiple wavelengths are used simultaneously, taking into account possible spectral variations of the planetary signals. Input parameters include the RMS measurement noise and the a priori probability of the presence of a planet. The output can be represented as an image of the intensity distribution on the sky, optimized for the detection of point sources. Previous approaches by others to the problem of planet detection for TPF-I have relied on the potentially non-robust identification of peaks in a "dirty" image, usually a correlation map. Tests with synthetic data suggest that the PPA provides greater sensitivity to faint sources than does the standard approach (correlation map + CLEAN), and will be a useful tool for optimizing the design of TPF-I.Comment: 17 pages, 6 figures. AJ in press (scheduled for Nov 2006

Highly Collimated Jets and Wide-Angle Outflows in HH46/47: New Evidence from Spitzer IR Images

We present new details of the structure and morphology of the jets and outflows in HH46/47 as seen in Spitzer infrared images from IRAC and MIPS, reprocessed using the ``HiRes'' deconvolution technique. HiRes improves the visualization of spatial morphology by enhancing resolution (to sub-arcsec levels in IRAC bands) and removing the contaminating side lobes from bright sources. In addition to sharper views of previously reported bow shocks, we have detected: (i) the sharply-delineated cavity walls of the wide-angle biconical outflow, seen in scattered light on both sides of the protostar, (ii) several very narrow jet features at distances 400 AU to 0.1 pc from the star, and, (iii) compact emissions at MIPS 24 micron coincident with the jet heads, tracing the hottest atomic/ionic gas in the bow shocks.Comment: 11 pages, 4 Figures, Accepted for publication in ApJ(Letters

A Herschel [C II] Galactic plane survey II: CO-dark H2 in clouds

ABRIDGED: Context: HI and CO large scale surveys of the Milky Way trace the diffuse atomic clouds and the dense shielded regions of molecular hydrogen clouds. However, until recently, we have not had spectrally resolved C+ surveys to characterize the photon dominated interstellar medium, including, the H2 gas without C, the CO-dark H2, in a large sample of clouds. Aims: To use a sparse Galactic plane survey of the 1.9 THz [C II] spectral line from the Herschel Open Time Key Programme, Galactic Observations of Terahertz C+ (GOT C+), to characterize the H2 gas without CO in a statistically significant sample of clouds. Methods: We identify individual clouds in the inner Galaxy by fitting [CII] and CO isotopologue spectra along each line of sight. We combine these with HI spectra, along with excitation models and cloud models of C+, to determine the column densities and fractional mass of CO-dark H2 clouds. Results: We identify 1804 narrow velocity [CII] interstellar cloud components in different categories. About 840 are diffuse molecular clouds with no CO, 510 are transition clouds containing [CII] and 12CO, but no 13CO, and the remainder are dense molecular clouds containing 13CO emission. The CO-dark H2 clouds are concentrated between Galactic radii 3.5 to 7.5 kpc and the column density of the CO-dark H2 layer varies significantly from cloud-to-cloud with an average 9X10^(20) cm-2. These clouds contain a significant fraction of CO-dark H2 mass, varying from ~75% for diffuse molecular clouds to ~20% for dense molecular clouds. Conclusions: We find a significant fraction of the warm molecular ISM gas is invisible in HI and CO, but is detected in [CII]. The fraction of CO-dark H2 is greatest in the diffuse clouds and decreases with increasing total column density, and is lowest in the massive clouds.Comment: 21 pages, 19 figures, accepted for publication in A&A (2014

Radiation Magnetohydrodynamics Simulation of Proto-Stellar Collapse: Two-Component Molecular Outflow

We perform a three-dimensional nested-grid radiation magneto-hydrodynamics (RMHD) simulation with self-gravity to study the early phase of the low-mass star formation process from a rotating molecular cloud core to a first adiabatic core just before the second collapse begins. Radiation transfer is handled with the flux-limited diffusion approximation, operator-splitting and implicit time-integrator. In the RMHD simulation, the outer region of the first core attains a higher entropy and the size of first core is larger than that in the magnetohydrodynamics simulations with the barotropic approximation. Bipolar molecular outflow consisting of two components is driven by magnetic Lorentz force via different mechanisms, and shock heating by the outflow is observed. Using the RMHD simulation we can predict and interpret the observed properties of star-forming clouds, first cores and outflows with millimeter/submillimeter radio interferometers, especially the Atacama Large Millimeter/submillimeter Array (ALMA).Comment: 13 pages, 5 figures, submitted to ApJ

Spitzer observations of the HH 1/2 system. The discovery of the counterjet

We present unpublished Spitzer IRAC observations of the HH 1/2 young stellar outow processed with a high angular resolution deconvolution algorithm, that produces sub-arcsecond (~ 0.6 - 0.8”) images. In the resulting mid-infrared images, the optically invisible counterjet is detected for the first time. The counterjet is approximately half as bright as the jet at 4.5 µm (the IRAC band that best traces young stellar outows) and has a length of ~ 10”. The NW optical jet itself can be followed back in the mid-IR to the position of the exciting VLA 1 source. An analysis of the IRAC colors indicates that the jet/counterjet emission is dominated by collisionally excited H_2 pure rotational lines arising from a medium with a neutral Hydrogen gas density of ~ 1000-2000 cm^(-3) and a temperature ~ 1500 K. The observed jet/counterjet brightness asymmetry is consistent with an intrinsically symmetric outow with extinction from a dense, circumstellar structure of ~ 6” size (along the outow axis), and with a mean visual extinction, A_V ~ 11 mag