Evaluate the Reason and Overall Satisfaction of Consumers to Buying Health Insurance Products

The current study (article) investigated why people purchase health insurance products and why they do not, as well as how satisfied consumers are with insurance products overall following claim settlement. A systematic questionnaire was used to gather data from 140 respondents, and reliability tests, cross-tabulation, the Mann-Whitney U test, the Kruskal-Wallis test, weighted average means, and percentage analysis were employed. The study's key finding suggested that one motivation is to safeguard against the rising cost of healthcare, while lack of awareness is the cause of not purchasing it. The null hypothesis is fail-to-reject, indicating that there is no discernible difference between the means of overall service satisfaction with respect to demographic factors and the 77.2% of respondents who are satisfied with their health insurance policy

An Analytical Study of Selected Development Banks in India

The economic development of any country depends on the extent to which its financial system efficiently and effectively mobilizes and allocates resources. After the Second World War, Industrialized and less developed countries have tried to bridge long-term financing needs through the creation of national development banks for finance so, the researcher wanted to know about financial parameters related to developmental banks and to study an analytical study of selected banks. The researcher has used components like Deposits, Investments, Loans and Advances, Borrowings, Fixed assets, and other assets to an analysis of performance. The researcher has selected the period of study 6(six) years which are 2014-15 to 2019-20. The researcher has used the ANOVA test for the analysis of the performance of selected Development Bank in India. The researcher has found the highest amount of deposit has been found in NABARD and SIDBI and EXIM on second and third rank respectively. The trend of deposit in SIDBI, NABARD shows a continued upward trend, but in EXIM bank deposits shows decreasing level by comparing to the base year. During the period of study in 2018 trend of deposits decreased by 9.27 in EXIM bank. By applying ANOVA deposits of three selected development banks found 8.49 is calculated value and 3.68 is table value at the 5% level of significance, so, the null hypothesis is rejected it means there is a significant difference in the Deposits and other finding included in the research paper

Shipbuilding disputes: influence of industry norms on law and contracts

Disputes continue to beset English law governed shipbuilding contracts to this day, despite the fact that English law’s characterisation of the shipbuilding contract and relationship have been established since the late 19th Century. For English law to develop such that shipbuilding disputes do not occur in future, this thesis argues that lawmakers and judges must give due regard to shipbuilding industry norms. In order to do so, this thesis will firstly demonstrate that there is a disparity between how English law characterises all shipbuilding contracts and relationships, and the variety of shipbuilding contracts, relationships and projects found in the industry. It is thus argued that reconciliation of this void between law and industry is contingent upon the law having regard for industry norms. This thesis will then examine the causes of shipbuilding disputes, before exploring the judicial remedies available to parties following dispute - both if shipbuilding contracts continue to be characterised as sale of goods provisions under English law, and if legislators decide otherwise. The context of remedies will in turn be used to demonstrate how industry norms can influence both the judicial remedies issued by judges and arbitrators, and the contractual remedy clauses which parties insert into their contracts to resolve or mitigate shipbuilding disputes

Water bioengineering techniques for efficient water harvesting system

Construction of check dam is the first step towards field water harvesting. Check dams stop water flow and raise it up to their height. Average annual rainfall is higher than what is needed for the country, still we face water crisis in major parts of India. Therefore, the need to develop economically viable techniques to manage the available water. Present practice in our country is to construct a check dam in brick masonry, rubble masonry or reinforced cement concrete. These are rigid in nature and may be subjected to uneven settlement, cracking etc resulting in failures. This paper proposes an alternative to such type of structures. An “Eco-friendly flexible check dam – A case study” with Bioengineering techniques has been described. The results are compared with conventional check dams and they indicate that saving on construction cost is approximately 55% with the new alternative suggested, with more water storage

Cost Allocation in Investment Arbitration: Back Toward Diversification

In 2006, the Thunderbird tribunal, operating under the UNCITRAL Arbitration Rules, called for the harmonization of cost-allocation approaches in commercial and investment arbitration. Subsequent tribunals appear to be heeding Thunderbird's call paving a trend in favor of the so-called "costs follow the event" (CFtE) approach and its variations. Generally, this approach prescribes the shifting of arbitral costs and reasonable legal fees to the unsuccessful party (or based on parties' relative success) and has historically been prevalent in commercial arbitration. By contrast, the more traditional approach in investment arbitration has been to share the costs of arbitration equally, save for special circumstances, with each party covering its own legal fees (traditional approach). In the wake of what appears to be an emerging trend in favor of a default CFtE custom, it is time to revisit the idea of whether a single harmonized approach to cost allocation is really appropriate. We suggest that it most likely is not

投资仲裁的成本分摊：回归多元化

在2006年，雷鸟法庭，根据联合国国际贸易法委员会仲裁规则“，呼吁在商业及投资仲裁的协调成本分配方法。随后的法庭似乎要听从雷鸟的呼叫铺路赞成所谓的“成本按照事件”（CFTE）方法及其变化趋势。一般来说，这个办法规定了仲裁费用和合理的法律费用转移到败诉方（或各方的相对成功的基础上），历来盛行于商事仲裁。相比之下，更传统的方法在投资仲裁一直共享同样仲裁费用，除特殊情况下，与各党覆盖它自己的法律费用（传统方法）。在唤醒这似乎是一个新兴的趋势，有利于一个默认CFTE定做，它是一个单一的统一的方法，成本分摊是否真的是合适的时间来重新审视这一观点。我们表明，它最有可能是没有的

Global Foreign Exchange: Cracking the Code

The Foreign Exchange Global Code comes to the fore against a backdrop of ethical drift, which has affected the foreign exchange markets of late. In précising recent market scandals, this article outlines why the Code is needed, before assessing the drafts which emerged out of the Code’s first and second developmental phases in May 2016 and May 2017, respectively. Under particular scrutiny is their substantive content, the parties which contributed to their drafting and also the strategies being proposed for the Code’s implementation

Review of Cash Flow Statement of Selected Companies of Steel Industry (Tata Steel and Sail)

The main objective of this study is to assess the ability of the enterprise to generate cash and cash equivalents of the industry. The researcher has selected two companies on the basis of the judgemental sampling method and the researcher has used for the data analysis like mean, trend analysis, and pair “t” test. The researcher has found out the review of the cash flow statement of TATA Steel and SAIL shows the cash inflow and cashes outflow of both the companies, which represents similar solvency and liquidity of both the companies. Thus, investors can invest in both companies because both companies have a sound cash position. So, it should be easy to identify the best investment option for investors. The cash flow statements of the selected two industries of steel sectors have been analysed using different parameters. The selected steel industries are TATA Steel and Steel Authority of India Limited (SAIL). The comparative evaluation of the cash flow statement describes the various variables of cash inflows and outflows of cash of both the industries and the similarity in inflows and outflows of cash. There are 12 variables that were very similar and the data of both the industries were available for the study period. From the analysis, it is concluded that both industries have more similarities in the cash inflow and cash outflow of cash flow statement

Practicing security: securitisation of transboundary rivers by hydrocrats in Himalayan South Asia

This paper examines the intersection of regional geopolitics and the governance of transboundary rivers using the case studies of multipurpose reservoirs in Himalayan South Asia. It uncovers the various ways Indian hydrocracy uses its institutional and technical expertise to strengthen India’s centrality in Nepal’s water and hydropower sectors. The practices of security undertaken by the hydrocrats are classified as structural, institutional, and statutory acts. By focusing on practices of an epistemic community like hydrocrats, this paper addresses longstanding weaknesses of the securitisation theory of being elitist and ignoring the agency of mid-level bureaucrats. It also highlights the constructivist nature of international politics. The findings contribute empirically to securitisation theory’s ‘Paris School’ of thought