Pengembangan program pembelajaran pendidikan agama islam dalam meningkatkan budaya keagamaan di sdn bletok bungatan situbondo

Pengembangan budaya keagamaan di sekolah merupakan suatu kewajiban yang harus dilaksanakan oleh sekolah dengan mendesain program pendidikan agama islam yang mengarah pada pengembangan budaya keagamaan. Fokus penelitian ini adalah Bagaimana perencanaan pengembangan program pembelajaran Pendidikan Agama Islam dalam meningkatkan budaya keagamaan di SDN Bletok Bungatan Situbondo? Bagaimana pelaksanaan pengembangan program pembelajaran Pendidikan Agama Islam dalam meningkatkan budaya keagamaan di SDN Bletok Bungatan Situbondo? dan Bagaimana pengawasan pengembangan program pembelajaran Pendidikan Agama Islam dalam meningkatkan budaya keagamaan di SDN Bletok Bungatan Situbondo? Penelitian ini menggunakan pendekatan deskriptif analisis, jenis studi kasus. Teknik pengumpulan data menggunakan wawancara, observasi, dan dokumentasi. Analisis data menggunakan model interaktif dan keabsahan data menggunakan triangulasi sumber. Hasil dari penelitian ini menunjukkan: 1) Perencanaan pengembangan program pembelajaran pendidikan agama islam dalam meningkatkan budaya keagamaan di SDN Bletok Bungatan Situbondo, yaitu: penyusunan buku pintar, Penugasan anggota membuat rancangan kegiatan, nilai-nilai karakter prioritas utama, rencana strategis pendekatan botton up, perencanaan pengembangan budaya keagamaan oleh tim agama. 2) Pelaksanaan pengembangan program pembelajaran pendidikan agama islam dalam meningkatkan budaya keagamaan di SDN Bletok Bungatan Situbondo, yaitu: Roling tanggung jawab job deskription pengembangan budaya, Quality Insurence (Jaminan Mutu) pembiasaan keagamaan, Model uswah guru, pelaksanaan Budaya keagamaan. 3) Pengawasan pengembangan program pembelajaran pendidikan agama islam dalam meningkatkan budaya keagamaan di SDN Bletok Bungatan Situbondo, yaitu: pengawasan internal kinerja anggota dan eksternal melalui pengguna layanan siswa dan orang tua, evaluasi supervisor sekolah terhadap kinerja anggota, anak berkepribadian sesuai dengan nilai-nilai agama, monitoring oleh komponen sekolah dan tim agama, monitoring siswa, monitoring tingkah laku dan pembiasaan siswa, penetapan capaian dari Quality Insurence.

EDUCARE: Journal of Primary Education Educare: journal of primary education

Objective: pyrazolopyrimidines are heterocyclic molecules containing nitrogen as the main composition, and hence, they exhibit pharmacological efficacy. they are analogs of purines so that possessing wide applications in the field of medicinal chemi

Objective: Pyrazolopyrimidines are heterocyclic molecules containing nitrogen as the main composition, and hence, they exhibit pharmacological efficacy. They are analogs of purines so that possessing wide applications in the field of medicinal chemistry. The main objective of this study is to synthesize different derivatives of pyrazole-pyrimidine classes by adopting simple methodology as well as by employing green chemistry. The purpose of the synthesis of these molecules is to study the antitumor activity against Ehrlich ascites carcinoma (EAC) cell lines. Methods: After literature studies, it makes us to involve in the research of synthetic organic chemistry, especially to synthesize new compounds of pyrazolopyrimidines. We are reported solvent-free synthesis of pyrazolo [3,4-d]-pyrimidine-thiones through ethyl acetoacetate, hydrazine hydrate, thiourea, and different benzaldehydes. An ionic liquid 2-methyl-imidazolium-oxalate catalyzed the reactions under ultrasonication bath. Both conventional and ultrasonic methods were employed and comparison studies have been made. It was found that ultrasonic method completed the reaction quicker than the conventional method. All the synthesized compounds were confirmed their structures by 1 HNMR, Fourier transform infrared, 13C-NMR, and elemental analysis spectra. The compounds were tested for in vitro anticancer activity against EAC cell lines. Most compounds revealed significant anticancer activity relative to doxorubicin as a positive control with inhibitory concentration (IC50) values. Results: Ultrasonication method is a simple method under which all the reactions were completed at faster time (<7 min) compared to the convention method. Among eight molecules, 8a and 8d completed the reactions at a faster rate. We reported IC50 values of all the molecules, in which 8e and 8g were exhibited excellent potency against EAC cell lines at different concentrations .

Dr Ganesh N Yallappa Dr ganesh n yallappa

Contributions of avicenna to surgery and anesthesiology

Background: Avicenna, as the Persian physician, made a significant contribution to the field of medical sciences, especially surgery, in the 10th and 11th centuries AD. Methods: In the present paper, Avicenna's translated quoted words were shared about his surgical practice. Indexing databases of PubMed and Google Scholar were searched using keywords like Avicenna, surgery, and anesthesiology to find related papers and documents. Results: The first portion comprises some of the most commonly used simple and compound herbal preparations to produce general and local anaesthetics before the surgery and as dental anaesthetic agents. In the second portion, practices regarding surgical management for skull fractures, spinal trauma, bone fractures, cataracts, incurable urinary retention, bladder calculi, haemorrhoids, cancer, as well as endotracheal intubation and tracheostomy, have also been incorporated. Finally, it ends up with practices regarding the use of natural products as postoperative dressing for traumatic and surgical wounds and after cataract surgery. Conclusion: Based on the recent investigations, the findings of this review study will provide a brief insight into Avicenna’s Canon of Medicine and the sciences of anesthesiology and surgery.

Dr. Salman Ahmed Dr. salman ahmed

Screening and selection of potential beneficial rhizosphere fungi from medicinally important plant species in tamil nadu, india,

The problem of chemical fertilizers and pesticides can be solved by the action of plant growth promoting fungi (PGPF). The indigenous fungal isolates obtained from the rhizosphere soil can be used as they are said to solubilize the insoluble zinc, phosphorous, potassium etc. They are known to control the different fungal pathogens and thus promoting the plant growth and health. In the present study, attempt was made to isolate soil beneficial fungi from the rhizosphere soil samples of important medicinal plants such as Aegle marmelos, Azardirachta indica and Citrus limon. A total of 22 fungal isolates was isolated and screened for their efficacy on phosphate and zinc solubilization and antagonistic potential against selected plant pathogenic fungi under in vitro condition and the isolates were identified up to species level.

Dr. SARANYA DEVI K Dr. saranya devi k

Using microsoft excel in formulating poultry rations by linear programming

Formulation of the least cost rations that provides the nutrient requirements of birds is an important goal in poultry production . The aim of the present study was to create an application in the Excel program for formulation of low-cost poultry diets that provide adequate nutritional requirements using linear programming based on the Solver function of the Excel program and composition of common feed ingredients used in poultry diets (yellow corn, wheat, soybean meal , barley, wheat bran, protein concentrate, limestone, table salt, di-calcium phosphate, vitamins and minerals premix ,and vegetable oil), if their default prices are 500, 450, 750, 350, 250,1750, 250, 100, 500, 4500,and 1500) Iraqi Dinar / kg, respectively. The results showed that the Solver function in - Excel can be used to solve linear programming models such as those used for formulation of least cost poultry rations. This Microsoft Excel application is ready to use and can be used to assist researchers and students in formulating poultry rations that provide the desired nutritional requirements of poultry at the lowest cost. Key words : Application

RAFEA MOHAMMEDTAHER KHULEL Rafea mohammedtaher khulel

Content analysis of visual representations in biology textbooks across selected educational boards from asia

The aim of the present study was to explore the nature of visual representations in biology textbooks across five educational boards across Asia through quantitative and qualitative content analysis. Descriptive statistics was used during the quantitative analysis. Qualitative content analysis involved a deductive approach where visuals in these textbooks were examined and categorized into different categories based on a newly developed typology and taxonomy of visual representation (coding scheme). Under this newly developed typology and taxonomy (coding scheme), visuals in biology textbooks can be categorized into 19 different categories. The findings of the study summarized the characteristics of visual representation usage in these textbooks in terms of their prevalence, distributional differences and trends. Through this study, a new perspective on the taxonomy and classification of visual representations, especially for biology textbooks, has been proposed. Biology teachers and textbook authors can gain insights through the findings of the study. Subjects: General Science; Biology; Secondary Education

Dr T Premalatha Dr t premalatha

A protocol of drug and infusion fluid: preparation, administration, compatibility and stability in neonatal intensive unit care

Newborn or neonate denotes to an infant in the first few days after birth. They are not small children when it comes to medicinal use and formulation development. Neonates include term, post-term and preterm babies. The neonatal period for preterm newborn infants is defined as the day of birth through to the expected date of delivery plus 27 days. The majority of drugs used in sick newborns receiving intensive care are unlicensed and off-label, exposing infants to a greater risk of adverse drug reactions (ADRs). This study is extremely important due to the presence of a variety of drug information sources if used together lead to medication errors. From this point of view, this approach is suggested to eliminate or minimize these varieties. Where the most important challenges in neonatal intensive care unit (NICU) is proper and correct calculations and administration. Drug-related events in a hospital setting are the highest cause of recorded errors such as in the USA and UK

Mediterranean Journal of Pharmacy and Pharmaceutical Sciences Mediterranean journal of pharmacy and pharmaceutical sciences

Reliance, media exposure and credibility

This study discusses credibility of both the traditional and social media from the audience perspective. Numerous definitions and conceptualisations of media credibility are either source or medium based but there are also numerous measurements made on the concept that gave rise to varied findings. An attempt was made to associate the concept of credibility with media exposure, postulating that the greater use of media would mean greater credibility. Two studies were made involving a total of 4095 respondents with 1544 questionnaires distributed in April 2019, and 2551questionnaires in January 2018 to investigate the concept of credibility and its correlate with media use. The first period was before the General Elections but the April 2019 study was made after the May General Election giving an idea how credibility could have changed under a new government. The results of this study revealed that Malaysians perceived the traditional media, including TV, radio, and newspapers, were more credible than the new media (internet, online news portals, Facebook, and Twitter). TV was perceived to have the highest credibility, while Twitter, the lowest credibility. The social media suffered low credibility due to the surrounding discussions on fake news, false information, and post-truth issues. The sources of content in the traditional media are mostly known or verified, unlike that of the new media, thus paving for the poor evaluation of credibility of the new media.

Mohammed Fadel Arandas Mohammed fadel arandas

Surviving trisomy 18: a case report of a 5-year-old girl

Rationale: Trisomy 18, often known as Edwards syndrome. It is a common chromosomal disorder characterized by the presence of an extra chromosome 18. Unfortunately, survival past the first year is quite rare, and there are only a few reports of individuals living long-term without needing corrective surgery. This case sheds light on an unusual situation where a patient survived for an extended period despite having severe congenital heart defects. Patient concerns: A 5-year-old girl, already diagnosed with trisomy 18, was admitted to the hospital after experiencing a cough and diarrhea that started after she began taking a nutritional powder supplement. The patient had a history of admission to neonatal intensive care for 1 month due to transient tachypnea of the newborn, mild retractions, and grunting. Additionally, she had intrauterine growth restrictions, dysmorphic features, and hypotonia. Diagnoses: Clinical examination revealed dysmorphic features, hypoxia, and a cardiac murmur. Chest radiography reveals central infiltration with cardiothoracic ratio 60%. Genetic testing confirmed the presence of trisomy 18, and an echocardiogram showed multiple congenital defects with significant right ventricular hypertrophy. Interventions: Initial management began with administering oxygen, performing metabolic tests, and a chest x-ray. However, because of ongoing low oxygen levels linked to her heart defects and pulmonary hypertension, long-term home oxygen therapy was initiated. A comprehensive supportive care with multidisciplinary team support was the main management. Outcomes: Throughout her treatment, oxygen saturation did not exceed 85%, and the patient’s development has remained severely delayed, with no significant motor or cognitive milestones. The patient had a long life expectancy for her complex heart defects, but eventually died of cardiac arrest. Lessons: This case shows the possibility of prolonged survival in trisomy 18, even with severe congenital heart defects, emphasizing the importance of multidisciplinary management and family-centered counseling. Documenting such cases expands understanding of this syndrome and guides long-term care strategies.

Mohamad  Banat Mohamad banat

Therapeutic potential of marine peptides in prostate cancer: mechanistic insights

Prostate cancer (PCa) is the leading cause of cancer death in men, and its treatment is commonly associated with severe adverse effects. So, new treatment modalities are needed. In this context, natural compounds have been widely explored for their anti-PCa properties. Aquatic organisms contain numerous potential medications. Anticancer peptides are less toxic to normal cells and provide a productive treatment approach via multiple mechanisms, including altered cell viability, apoptosis, cell migration/invasion, suppression of angiogenesis and microtubule balance disturbances. This review sheds light on marine peptides as efficacious and safe therapeutic agents for PCa.

Dr. Salman Ahmed Dr. salman ahmed

L’usage des langues maternelles dans le français chez ahmadou kourouma et maurice bandaman : insécurité dans la littérature francophone

Les études sur la langue française la présente souvent dans des situations où elle est en contact avec les langues africaines. Elle co-apparait avec les langues africaines dans les discours romanesques. Cette co-apparition n’est pas sans conséquences pour les deux langues en contact. Certains linguistes, surtout les sociolinguistes et les didacticiens, parlent d’insécurité linguistique. Ils la lient à toutes les situations linguistiques où deux langues entrent en contact. Ngamassu (2007, p.94) dit dans ce sens que « toute situation de contact des langues est source d’insécurité linguistique, car aucun locuteur/scripteur ne peut maîtriser toutes les variétés ou niveaux d’une langue ». Cette affirmation restreint l’insécurité au locuteur ou au scripteur. Les linguistes ignorent souvent l’impact négatif du contact des langues et s’intéressent à ses conséquences positives. Cet article a porté sur les manifestations de l’insécurité linguistique dans la prose romanesque de Kourouma et Badaman. Il a permis de voir que l’usage des langues maternelles dans le français constituait une menace de disparition et d’abâtardissement de la langue française.

Assanvo

Assessment of knowledge and attitude of adverse drug reactions among healthcare professionals in bangladesh

Adverse drug reactions have increased significantly in people as many new drugs have come to the market in the last two decades. This has not only economic consequences but also causes morbidity and mortality. In Bangladesh, some incidents happened related to drug problems and it took several lives. Spontaneous reporting of adverse drug reactions can primarily control this situation and healthcare professionals can play an immeasurable role. Therefore, this study was aimed to be conducted at seven different hospitals and diagnostic centers to find out the actual scenario of adverse drug reactions among the healthcare professionals in Bangladesh to make them aware of adverse drug reactions and the reporting system, and to know about their opinion towards adverse drug reactions. However, after evaluation of the questionnaires it was found that a large number of healthcare professionals were not aware of adverse drug reactions and pharmacovigilance, especially the nurses. It was found that 13.3% of nurses did not know about adverse drug reactions and 93.3% of them had not reported any reactions. Furthermore, many healthcare professionals did not show a positive attitude towards pharmacovigilance. If proper pharmacovigilance practice cannot be started, the nation will face serious economic and health-related problems.

Mediterranean Journal of Pharmacy and Pharmaceutical Sciences Mediterranean journal of pharmacy and pharmaceutical sciences

Symmetric key cryptosystem based on randomized block cipher

Multimedia data encryption attempts to prevent unauthorized disclosure of confidential multimedia information in transit or storage. Security of multimedia files attracts more and more attention and many encryption methods have been proposed in literature. If we call a multimedia data stream (message) plaintext , the process of transforming the plaintext into unintelligible data stream is referred to as multimedia encryption (MME) where the encrypted message (data stream) is often named ciphertext. The process of transforming the ciphertext back into plaintext is termed decryption. We propose a new block cipher based on randomized key of size n × n where n is the block size and the block undergoes n 2 iterations with the plaintext. Every iteration generates the pseudo cipher text. The encryption process generate the ciphertext C with the help of the randomized key. The decryption apply the key in reverse order on the cipher text, to get back the plain text. This work deals with the problem of efficient multimedia data encryption.

S arul jothi

Artificial neural network with crow search algorithm for optimal sizing of photovoltaic system

The need for renewable energy sources in addressing global energy demands is growing, especially in Nigeria where electricity demand often exceeds supply. Solar photovoltaic (PV) systems have become a viable solution, with federal universities in Nigeria, as major electricity consumers, recognizing their potential. However, determining the right size of PV systems for individual faculties within these universities is a complex task. This study attempted to simplify this process by introducing an innovative approach to size PV systems in these faculties. The research method used the Extended Kalman Artificial Neural Network (EKF-ANN) and the Crow Search Algorithm (CSA) to enhance the accuracy of PV system sizing. Data was collected on the study site, load demand, weather conditions, system components, and operational control and systems models to establish sizing criteria. The study focused on the optimal size of a solar PV system at the Faculty of Law building, University of Port-Harcourt, and how to improve its accuracy. The results showed that using global solar insolation parameters, EKF-ANN predicted values for global temperature, flock size, and maximal iteration. This optimized system could generate surplus power for effective grid supply. The study found that the optimal size of the series-connected panels for the Faculty of Law building was 96, 83, 73, and 65 units, with corresponding insolation values ranging from 3.737 to 4.368 kW/m2. It was concluded that the combination of CSA and EKF-ANN in solar PV sizing is suitable for achieving optimal outcomes for energy storage and grid supply. Nonetheless, the study recommended additional investigation into real-time and grid-connected solutions to enhance the proposed approach's effectiveness.

FXintegrity Publishing Fxintegrity publishing

Efficacy of vilanterol-fluticasone furoate versus formoterol-budesonide combination therapy in stable asthma

The present study evaluates the efficacy of Vilanterol-Fluticasone Furoate (VI-FF) versus Formoterol-Budesonide (FM-BD) combination therapy in stable asthma. Both regimens led to significant improvements in asthma control, as evidenced by marked increases in FEV1 (% predicted) and ACT scores over time. The demographic characteristics, baseline respiratory symptoms, and treatment outcomes were similar between the groups, indicating that both strategies were equally effective for managing asthma. The findings indicate that both VI-FF once daily and FM-BD twice daily therapies enhance lung function and asthma control. Significant improvements in FEV1 (% predicted) and ACT scores were observed in both groups, as confirmed by intention-to-treat (ITT) and perprotocol (PPA) analyses. The equivalent efficacy of VI-FF and FM-BD, combined with the convenience of once-daily dosing, suggests that VI-FF may be preferable for patients who struggle with a twice-daily regimen. These findings highlight VI-FF as a convenient and reliable treatment, particularly can benefit patients with adherence challenges. In conclusion, our study's findings align well with other studies regarding demographic characteristics, baseline symptoms, exacerbation history, hospitalization history, and spirometry results. This consistency reinforces the validity and reliability of our results, suggesting that both VI-FF and FM-BD are effective options for stable asthma. The comparable efficacy supports flexibility in treatment choices, allowing for personalized asthma management. Future research should explore the long-term benefits and adherence patterns associated with these treatments to further optimize asthma management.

Dr K C Yadav Dr k c yadav

Laparoscopic cholecystectomy in situs inversus totalis, challenges from the surgeon’s perspective: a case report

Situs inversus totalis (SIT) is a rare birth defect marked by a complete reversal of the positions of abdominal and thoracic organs, resembling a mirrored image. This condition can raise challenges both in diagnosis and treatment procedures. Management of cholelithiasis in SIT patients presents difficulties due to the anatomical differences. We present a case involving a 47-year-old male patient who experienced intermittent left upper abdominal pain over the course of 4 months; the pain had worsened in the last 2 months. The pain was felt radiating to the waist and left back and was accompanied by nausea and vomiting. After clinical assessment and radiological investigations, such as thoracic X-ray and abdominal ultrasound, the patient was suspected of having cholelithiasis and SIT. The patient underwent an elective laparoscopic cholecystectomy without complications and experienced an uneventful recovery. Several intraoperative adjustments were implemented to address the technical challenges arising from the underlying anatomical variation.

Karishma Karishma

Functional literacy of alternative learning system (als) learners: basis for sustainable extension development

This study aims to determine the functional literacy acquisition of Alternative Learning System learners and make a sound basis for strategic planning and pedagogical intervention that will help promote and develop the said program. The descriptive-evaluative method of research was used in the study. The descriptive method was used to identify the respondents' profile based on (a) age, (b) gender, (c) civil status, and (d) employment status. The evaluative method was used to determine the respondents' functional literacy acquisition in (a) communication skills, (b) scientific and critical thinking skills, (c) mathematical and problem solving skills, (d) life and career skills, (e) understanding the self and society, and (f) digital citizenship (formerly digital literacy). Frequency Count and Percentage Technique was used to describe the functional literacy acquisition of the respondents. Meanwhile, a modified survey questionnaire based on the functional literacy, education and mass media survey ("National Profile of Adult Literacy and Numeracy Skills," 2004, p. 91) was used as the primary tool to gather the data. The respondents in this study were the students enrolled in ALS-Sipocot (North and South District), the school year 2019-2020. Due to COVID restrictions, other ALS learners from other municipalities were not covered as part of the study. Findings revealed that ALS learners do not yet manifest the complete acquisition of functional literacy needed to face the globalized world's challenges because their attainment of the required functional literacy skills is generally low. Moreover, the study disclosed that sex, age, civil status, and employment status affect the acquisition of functional literacy skills among ALS learners in Sipocot, Camarines Sur. Based on the results, the researcher developed an extension activity to help the ALS learners improve their functional literacy, particularly in the digital citizenship area, where they got the lowest score.

Darrel Ocampo Darrel ocampo

Methodology to investigate the impact of blindness control activities in the southern indian population

To describe the methodology used to investigate the impact of blindness control activities in the southern Indian State of Andhra Pradesh. The blindness control activities in Andhra Pradesh have been implemented since 1976 through the National Program for Control of Blindness (NPCB) by the Government of India through District Blindness Control Societies (DBCS). Besides Government eye care facilities, many local, national, international Non Governme*ntal Organizations (NGOs) and private sector eye care facilities are active in controlling blindness in the state. In the year 2002 Andhra Pradesh Right to Sight Society (APRTSS) was established as part of a global initiative of VISION 2020 The Right to Sight to coordinate the efforts of various stakeholders in eye care. The present study investigated the impact of blindness control activities in the state of AP in general and with special reference to the activities of APRTSS The study was based on the six building blocks of the health care system for all the stakeholders in eye care. The baseline data for the year 2002-03 were collected from sources such as State Blindness Control Society, District Blindness Control Societies and major stakeholders in eye care in the state and also by questionnaire to managers of eye care facilities and eye care professionals. The current data are being collected for the year 2012-2013. Interviews based on Strength, Weaknesses, Opportunities and Threat (SWOT) analysis were conducted with policy makers in the Government, Managers of the eye care facilities and NGOs. The outcomes of the study will provide information regarding the trends in blinding eye diseases, human resources and infrastructure facilities in the last decade and information on the deficiencies in eye care service delivery that may provide the basis to formulate strategies for implementation of the VISION 2020 program in the state for coming years.

srinivasa reddy pallerla Srinivasa reddy pallerla

Effectiveness of differentiated instruction in the reading comprehension level of grade-11 senior high school students

This study determined the effectiveness of Differentiated Instruction in the reading comprehension level of the Grade-11 senior high school students, school year 2016-2017. Specifically, it aims to determine the reading comprehension level of the control and the experimental groups in the pre test and post-test; identify if there is a significant difference in the reading comprehension level of the control and experimental groups in the pre-test and post-test results; and identify the strengths and weaknesses in using Differentiated Instruction. Quasi-experimental method was employed in conducting the study. The respondents were the 150 Grade-11 students of a public high school grouped as control and experimental using Parallel technique. Data sources include pre-test and post-test scores, gain scores, classroom observation form, survey questionnaire, and researcher's reflective notes. The qualitative data were analysed using template analysis style and the basic approach of comprehending, synthesizing, theorizing and re-contextualizing to identify common themes and integrating thematic pieces. Based on the classroom observations, survey and researcher's reflective notes, strengths and weaknesses of Differentiated Instruction were observed. Despite the observed and encountered challenges, the statistical analysis has revealed a significant difference between pre-test and post-test results.

Darrel Ocampo Darrel ocampo

Credit risk analysis- a case study of canara bank

All the people who need loan may turn to their local banks, credit unions or peer to peer lenders. Every lending institution has its own advantages and drawbacks. In this scenario credit risk management becomes increasingly important element as the same is concerned with managing the financial debts and safeguarding the interest of the banks. The purpose of credits given by banks is to earn interest and make profits. The important function of credit management is to decide how much credit should be given to the borrower and ensuring compliances with the credit terms of repayment and avoid Non-Performing Assets (NPA) to the banks. Credit risk is the biggest risk the bank faces by the virtue of nature of business, inherits. The ability of commercial banks to formulate and adhere to policies and procedures that promote credit quality and curtail non-performing loans is the means to survive in the stiff competition. Inability to create and build up quality loans and credit worthy customers leads to default risk and bankruptcy as well as hamper the economic growth of the country

Shaila Kamath Shaila kamath

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