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Non-Performing Assets - Content Analysis and Suggestions for Resolution 不良资产--内容分析和解决建议
Pub Date : 2024-02-02 DOI: 10.32628/ijsrst24254411
Dr. Parmod Kumar Sharma, Dr. Babli Dhiman
Non-performing assets also known as Bad Loans have played havoc with financials of Scheduled Commercial Banks (SCBs) in India from 2015 to 2022. The NPAs started piling up after an abnormal growth in advances of these banks in the developmental phase unleashed by the Government of India after the 2008 Global crises. The period witnessed a rise in manufacturing and infrastructure project financing imbued with over optimism of promoters for success and profitabilty. Banks vied with one another to share a piece of pie for opportunities in sectors like Iron and Steel, Mining, Aviation and Road Construction. The spurt in advances of banks also witnessed a simultaneous rise in their bad loans. NPAs have impacted negatively the financial performance of various Indian banks over the years (Sharma & Dhiman 2023). Though Non-Performing Assets cannot be wiped off completely from the advances portfolio of the banks yet it is important to control this critical parameter of financial performance of the banking sector. Management of NPAs is significant for bank profitability and growth of the economy. Bad debts or NPAs are not always created due to the fault of a bank. Though managements of different banks try their best to reduce NPAs but due to various macroeconomic, borrower related and at times bank related specific factors it is not possible to eliminate these altogether from the banking book. However prudent board policies, proper pre-sanction appraisal of borrowers and post sanction forensic audit of disbursements to large borrowers by the banks can go a long way in curbing the menace of bad loans.
从 2015 年到 2022 年,不良资产(又称不良贷款)对印度在册商业银行(SCBs)的财务状况造成了严重破坏。2008 年全球危机后,印度政府启动了发展阶段,这些银行的预付款出现异常增长,之后不良贷款开始堆积。在此期间,由于发起人对成功和盈利过于乐观,制造业和基础设施项目融资增加。银行争相在钢铁、矿业、航空和道路建设等行业分一杯羹。银行贷款激增的同时,不良贷款也在增加。多年来,不良资产对印度各家银行的财务业绩产生了负面影响(Sharma & Dhiman,2023 年)。虽然不良资产不能从银行的贷款组合中完全抹去,但控制银行业财务业绩的这一关键参数非常重要。不良资产管理对银行的盈利能力和经济增长意义重大。坏账或净资产损益并不总是由于银行的过失造成的。尽管不同银行的管理层都在尽力减少呆账或坏账,但由于各种宏观经济因素、借款人相关因素以及有时与银行相关的特定因素,要从银行账簿中完全消除呆账或坏账是不可能的。然而,审慎的董事会政策、对借款人进行适当的批准前评估以及银行对大额借款人的批准后付款进行法证审计,可以在很大程度上遏制不良贷款的威胁。
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引用次数: 0
Effect of Feature Scaling Pre-processing Techniques on Machine Learning Algorithms to Predict Particulate Matter Concentration for Gandhinagar, Gujarat, India 特征缩放预处理技术对机器学习算法预测印度古吉拉特邦甘地纳格尔颗粒物浓度的影响
Pub Date : 2024-02-01 DOI: 10.32628/ijsrst52411150
Zalak L. Thakker, Sanjay H. Buch
Particulate matter (PM) has widely been recognized as the primary factor responsible for air pollution, posing significant health hazards, particularly cardiovascular and respiratory diseases. Major sources of particulate matter include construction sites, power plants, industries and automobiles, landfills and agriculture, wildfires and brush/waste burning, industrial sources, wind-blown dust from open lands, pollen, and fragments of bacteria. Even though various studies have been carried out to predict particulate matter concentration, there are only a handful of papers that focus on the data scaling pre-processing aspect and how it affects the prediction. For the study, Gandhinagar Smart City Development Limited, Gandhinagar, Gujarat has provided Air Quality data from 26-1-2022 to 16-01-2023. The provided data has several challenges such as missing data, inconsistent data, and mixed data (numerical and categorical). Data pre-processing is an essential step in machine learning regression problems. Data pre-processing techniques include missing value handling, data scaling, outlier detection, feature selection/engineering, and imputation. So, this paper aims to identify the effect of the data scaling pre-processing technique to predict the concentration of Particulate Matter (PM10) for Gandhinagar, Gujarat. Data scaling will be performed based on whether data are normally distributed or not. Four data scaling techniques such as Normalizer, Robust Scaler, Min-Max Scaler, and Standard Scaler in combination with six machine learning algorithms such as Multiple Linear Regressor, Support Vector Regressor, K-Nearest Neighbour regressor, Decision Tree Regressor, Random Forest Regressor, and XGBoost Regressor were compared to identify best prediction model for Particulate Matter (PM10) concentration.
人们普遍认为,颗粒物质(PM)是造成空气污染的主要因素,对人体健康,尤其是心血管疾病和呼吸系统疾病造成严重危害。颗粒物的主要来源包括建筑工地、发电厂、工业和汽车、垃圾填埋场和农业、野火和灌木丛/垃圾焚烧、工业来源、空地上的风吹尘、花粉和细菌碎片。尽管已经开展了各种研究来预测颗粒物浓度,但只有极少数论文关注数据缩放预处理方面及其对预测的影响。在这项研究中,古吉拉特邦甘地纳加尔智能城市发展有限公司提供了从 2022 年 1 月 26 日至 2023 年 1 月 16 日的空气质量数据。所提供的数据存在缺失数据、不一致数据和混合数据(数字和分类)等问题。数据预处理是机器学习回归问题中必不可少的一步。数据预处理技术包括缺失值处理、数据缩放、离群点检测、特征选择/工程和估算。因此,本文旨在确定数据缩放预处理技术对预测古吉拉特邦甘地纳加尔的颗粒物质(PM10)浓度的影响。数据缩放将根据数据是否呈正态分布来进行。将归一化、稳健缩放、最小-最大缩放和标准缩放等四种数据缩放技术与多重线性回归器、支持矢量回归器、K-最近邻回归器、决策树回归器、随机森林回归器和 XGBoost 回归器等六种机器学习算法相结合进行比较,以确定颗粒物(PM10)浓度的最佳预测模型。
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引用次数: 0
The Synthesis, Characterization, and Biological Activities of Some Novel Schiff Bases Derived From 3-Acetyl-4-Hydroxy-2H-Chromen-2-One And 2-Aminooxadiazole Derivatives Have Been Investigated 研究了由 3-乙酰基-4-羟基-2H-色烯-2-酮和 2-氨基恶二唑衍生物衍生的一些新型席夫碱的合成、表征和生物活性
Pub Date : 2024-02-01 DOI: 10.32628/ijsrst52411174
Jadhav Rajpal L., Ubale Sanjay B.
A set of five novel Schiff’s bases (5a-e) incorporating coumarin-1, 3, 4-oxadiazole derivative were synthesized through condensation reaction of 3-acetyl-4-hydroxy-2H-chromen-2-one with 2-aminooxadiazole derivatives as heterocyclic aromatic amines. The novel structures of these compounds were confirmed based on their elemental analysis and spectral data. All these investigated derivatives were tested against bacterial species S. aurous, E. coli, S. typhi, B. substilis using the Agar cup method, and against fungal species A. niger, P. chrysogenum, F. moneliforme and A. flavus using poison plate method. Schiff bases incorporating coumarin and 1,3,4-oxadiazole moieties have shown notable efficacy against both bacterial and fungal strains.
通过 3-acetyl-4-hydroxy-2H-chromen-2-one 与 2-aminooxadiazole 衍生物作为杂环芳香胺的缩合反应,合成了一组包含香豆素-1,3,4-恶二唑衍生物的五种新型希夫碱(5a-e)。根据元素分析和光谱数据,确认了这些化合物的新结构。采用琼脂杯法,对所有这些衍生物进行了抗细菌性病菌 S.aurous、大肠杆菌、伤寒杆菌、亚乙基杆菌的测试;采用毒板法,对真菌性病菌 A.niger、P.chrysogenum、F.moneliforme 和 A.flavus 进行了测试。含有香豆素和 1,3,4-恶二唑分子的希夫碱对细菌和真菌菌株都有显著疗效。
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引用次数: 0
The Effect of Variable Heat Flux on Unsteady Laminar MHD Boundary Layer Flow and Heat Transfer Due to a Stretching Sheet 可变热通量对拉伸薄板引起的非稳态层流 MHD 边界层流动和传热的影响
Pub Date : 2024-02-01 DOI: 10.32628/ijsrst52411161
Ajaykumar M, A. H. Srinivasa
The purpose of this research is to look into the solution technique for obtaining MHD velocity and temperature profiles. In the presence of a changing heat flux, the unsteady laminar boundary layer flow and heat transfer of a viscous incompressible fluid across a stretching sheet are numerically investigated. The unsteadiness is thought to be generated by a sudden increase in the surface temperature and a time-dependent stretching velocity. The flow and heat transfer partial differential equations were numerically solved using an implicit finite difference scheme and a quasi-linearization technique. Both velocity and temperature rise with time and magnetic field, according to the findings. The computed results are compared to previous work that has been published. Variable heat flux (VHF) conditions have also been taken into account.
本研究的目的是探讨获得 MHD 速度和温度曲线的求解技术。在热通量不断变化的情况下,对粘性不可压缩流体在拉伸片上的非稳态层流边界层流动和传热进行了数值研究。不稳定性被认为是由表面温度的突然升高和随时间变化的拉伸速度产生的。采用隐式有限差分方案和准线性化技术对流动和传热偏微分方程进行了数值求解。研究结果表明,速度和温度均随时间和磁场而上升。计算结果与之前发表的研究成果进行了比较。此外,还考虑了可变热通量(VHF)条件。
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引用次数: 0
Pomegranate Powerhouse : A Synthesis of Scientific Insights into Its Nutraceutical Marvels and Biomedical Applications 石榴的力量:对其营养奇迹和生物医学应用的科学见解综述
Pub Date : 2024-02-01 DOI: 10.32628/ijsrst52411170
Ranjana N, Haripriya S, Mahalakshmi Sundarapandian
This comprehensive literature review on pomegranate plants thoroughly examines the various aspects, including traditional uses, nutritional composition, bioactive compounds present in each part of the plant, and their potential activity on human health. The chemical composition of the pomegranate peel and the toxicology of the plant are also discussed. This review also contributes to the understanding of the various pharmacological actions of the pomegranate plant parts. The pharmacological actions of pomegranate include antibacterial activity, antiviral activity, anticancer activity, antioxidant properties, antimicrobial activity, anti-diabetic activity, dermatological activity, and furthermore.
这篇关于石榴植物的综合性文献综述深入研究了石榴植物的各个方面,包括传统用途、营养成分、植物各部分中的生物活性化合物及其对人体健康的潜在作用。此外,还讨论了石榴皮的化学成分和植物毒理学。本综述还有助于了解石榴植物各部分的各种药理作用。石榴的药理作用包括抗菌活性、抗病毒活性、抗癌活性、抗氧化特性、抗微生物活性、抗糖尿病活性、皮肤病活性,以及其他作用。
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引用次数: 0
Effect of Feature Scaling Pre-processing Techniques on Machine Learning Algorithms to Predict Particulate Matter Concentration for Gandhinagar, Gujarat, India 特征缩放预处理技术对机器学习算法预测印度古吉拉特邦甘地纳格尔颗粒物浓度的影响
Pub Date : 2024-02-01 DOI: 10.32628/ijsrst52411150
Zalak L. Thakker, Sanjay H. Buch
Particulate matter (PM) has widely been recognized as the primary factor responsible for air pollution, posing significant health hazards, particularly cardiovascular and respiratory diseases. Major sources of particulate matter include construction sites, power plants, industries and automobiles, landfills and agriculture, wildfires and brush/waste burning, industrial sources, wind-blown dust from open lands, pollen, and fragments of bacteria. Even though various studies have been carried out to predict particulate matter concentration, there are only a handful of papers that focus on the data scaling pre-processing aspect and how it affects the prediction. For the study, Gandhinagar Smart City Development Limited, Gandhinagar, Gujarat has provided Air Quality data from 26-1-2022 to 16-01-2023. The provided data has several challenges such as missing data, inconsistent data, and mixed data (numerical and categorical). Data pre-processing is an essential step in machine learning regression problems. Data pre-processing techniques include missing value handling, data scaling, outlier detection, feature selection/engineering, and imputation. So, this paper aims to identify the effect of the data scaling pre-processing technique to predict the concentration of Particulate Matter (PM10) for Gandhinagar, Gujarat. Data scaling will be performed based on whether data are normally distributed or not. Four data scaling techniques such as Normalizer, Robust Scaler, Min-Max Scaler, and Standard Scaler in combination with six machine learning algorithms such as Multiple Linear Regressor, Support Vector Regressor, K-Nearest Neighbour regressor, Decision Tree Regressor, Random Forest Regressor, and XGBoost Regressor were compared to identify best prediction model for Particulate Matter (PM10) concentration.
人们普遍认为,颗粒物质(PM)是造成空气污染的主要因素,对人体健康,尤其是心血管疾病和呼吸系统疾病造成严重危害。颗粒物的主要来源包括建筑工地、发电厂、工业和汽车、垃圾填埋场和农业、野火和灌木丛/垃圾焚烧、工业来源、空地上的风吹尘、花粉和细菌碎片。尽管已经开展了各种研究来预测颗粒物浓度,但只有极少数论文关注数据缩放预处理方面及其对预测的影响。在这项研究中,古吉拉特邦甘地纳加尔智能城市发展有限公司提供了从 2022 年 1 月 26 日至 2023 年 1 月 16 日的空气质量数据。所提供的数据存在缺失数据、不一致数据和混合数据(数字和分类)等问题。数据预处理是机器学习回归问题中必不可少的一步。数据预处理技术包括缺失值处理、数据缩放、离群点检测、特征选择/工程和估算。因此,本文旨在确定数据缩放预处理技术对预测古吉拉特邦甘地纳加尔的颗粒物质(PM10)浓度的影响。数据缩放将根据数据是否呈正态分布来进行。将归一化、稳健缩放、最小-最大缩放和标准缩放等四种数据缩放技术与多重线性回归器、支持矢量回归器、K-最近邻回归器、决策树回归器、随机森林回归器和 XGBoost 回归器等六种机器学习算法相结合进行比较,以确定颗粒物(PM10)浓度的最佳预测模型。
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引用次数: 0
A Review on High Performance Thin Layer Chromatography 高效薄层色谱法综述
Pub Date : 2024-02-01 DOI: 10.32628/ijsrst52411163
Miss. Payal Badhe, Dr. Vijaya Barge
A common excellent replacement for GC and HPLC is High-Performance Thin Layer Chromatography (HPTLC), an improved and automated technique of thin-layer chromatography (TLC) that provides better separation performance and detection limits. Applications of HPTLC include the study of biological materials and phytochemicals, the measurement of herbal medications and active components, formulation fingerprinting, and the identification of adulterants in formulations. Using HPTLC, chemicals of forensic importance can be located. It is more sensitive and feasible to run many samples in a little period of time by using a small volume of solvent. It is one of the more intricate instrumental procedures, utilizing every feature available in thin-layer chromatography.
高性能薄层色谱法(HPTLC)是气相色谱法和高效液相色谱法的常用优秀替代品,它是薄层色谱法(TLC)的一种改进型自动化技术,具有更好的分离性能和检测限。HPTLC 的应用包括研究生物材料和植物化学物质、测量中草药和活性成分、制剂指纹图谱以及鉴定制剂中的掺假物质。使用 HPTLC 可以找到对法医具有重要意义的化学物质。它的灵敏度更高,而且只需少量溶剂就能在短时间内检测大量样品。它是较为复杂的仪器程序之一,利用了薄层色谱法的所有功能。
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引用次数: 0
The Examination of different Air Constituents to Ascertain Pune City's Air Quality 通过检测不同的空气成分来确定浦那市的空气质量
Pub Date : 2024-02-01 DOI: 10.32628/ijsrst52411164
Dr. Nidhi Mishra
The city of Pune experiences poor air quality, leading to research of various air constituents in order to assess the overall quality of the air. Significant pollutants such as PM2.5, PM10 (RSPM), NO2, O3, SO2, and CO are addressed in this analysis, along with their causes and consequences. Exceeding WHO standards, levels of PM2.5 constitute a severe problem; NO2 and O3 levels constitute grounds for concern. In order to mitigate such pollutants and obtain cleaner air in Pune City, the research stresses the necessity for more difficult emission control measures, the promotion of public transportation and electric vehicles, and the supervision of industrial and construction activity.The objective of this research is to evaluate Pune City's air quality and offer insights by thoroughly examining various air quality elements. An extensive tracking strategy is analyzed for three years (2022, 2023, and 2024), considering air quality components like RSPM (PM10), PM-2.5,NO2, O3, etc. Various graphs are analyzed for the above-mentioned years and observe the growth in air quality index for Pune city. In the last three years, data has been collected from government websites on a monthly basis, and various graphs have been plotted by considering their average value. All the graphs show an increase in the air quality index. The study's findings provide valuable new information on the present state of the air quality in Pune City and emphasize the urgent need for effective air quality management measures. To mitigate air pollution, maintain public health, and maintain environmental sustainability, initiatives must concentrate on emissions control, planning for cities, enhancing public transportation, and creating green infrastructure in Pune City.
浦那市的空气质量较差,因此需要对各种空气成分进行研究,以评估空气的整体质量。本报告分析了 PM2.5、PM10(可吸入颗粒物)、二氧化氮、臭氧、二氧化硫和一氧化碳等主要污染物及其成因和后果。PM2.5 水平超过世界卫生组织的标准,构成严重问题;NO2 和 O3 水平令人担忧。为了减少这些污染物,使浦那市的空气更加清新,研究强调必须采取更加严格的排放控制措施,推广公共交通和电动汽车,并对工业和建筑活动进行监督。考虑到 RSPM(PM10)、PM-2.5、NO2、O3 等空气质量成分,对三年(2022 年、2023 年和 2024 年)的广泛跟踪策略进行了分析。对上述年份的各种图表进行分析,观察浦那市空气质量指数的增长情况。在过去三年中,我们每月从政府网站上收集数据,并根据其平均值绘制各种图表。所有图表均显示空气质量指数有所上升。研究结果为了解浦那市的空气质量现状提供了宝贵的新信息,并强调了采取有效空气质量管理措施的迫切性。为了减轻空气污染、维护公众健康和保持环境的可持续发展,浦那市的各项举措必须集中在排放控制、城市规划、加强公共交通和创建绿色基础设施等方面。
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引用次数: 0
The Association of Family Income, Birth Length, and Energy Intake with The Incidence of Stunting in Cibungbulang Sub-District 西本布朗分区家庭收入、出生时长和能量摄入与发育迟缓发生率的关系
Pub Date : 2024-02-01 DOI: 10.32628/ijsrst52411143
Rina Efiyanna, Meilinasari, Fairuz Dhia Rabbani
Stunting is a developmental disorder in toddlers characterized by H/A index z-score of less than -2SD. Based on the results of SSGI 2022, the prevalence of stunting among toddlers in Bogor Regency reached 24.9 percent. This study aimed to determine the relationship between family income, birth length, and energy intake with the incidence of stunting among toddlers in Cibungbulang District. The sample was 151 toddlers aged 24 – 59 months who were selected by systematic random sampling. Intake data were collected with 24-hour food recall, stunting by measuring heights, and other data were collected by interview using questionnaires. Most of the toddlers were male (57.6%) with fathers aged >35 year (58.3%) and graduated from senior high school (34,4%) and mothers aged 21 – 35 years (70.2%) with high school diploma or its equivalent (34.4%). Most of the children-under-five had families with income below the regional minimum wage (88.1%), normal birth length (80.8%), adequate and excessive energy intake (53.6%). A total of 41.7 percent of toddlers were stunted. There were significant relationships between family income (p=0.022), birth length (p=0.040), and energy intake (p=0.040) with the incidence of stunting in toddlers (p<0.05). It can be concluded that family income, birth length, and energy intake are related to the incidence of stunting in toddlers aged 24 – 59 months in Cibungbulang District. Maternal nutrition intake needs to be monitored carefully during pregnancy and home food gardening program should be promoted to increase food availability and income thus ensuring optimal children development.
发育迟缓是幼儿的一种发育障碍,其特征是 H/A 指数 Z 值小于-2SD。根据 2022 年 SSGI 的结果,茂物地区幼儿发育迟缓的发生率达到 24.9%。本研究旨在确定家庭收入、出生时长和能量摄入量与西本布郎区幼儿发育迟缓发生率之间的关系。样本是通过系统随机抽样选出的 151 名 24 - 59 个月大的幼儿。摄入量数据通过 24 小时食物回忆收集,发育迟缓数据通过测量身高收集,其他数据通过问卷访谈收集。大部分幼儿为男性(57.6%),父亲年龄在 35 岁以上(58.3%),高中毕业(34.4%),母亲年龄在 21-35 岁之间(70.2%),拥有高中文凭或同等学历(34.4%)。大多数五岁以下儿童的家庭收入低于地区最低工资标准(88.1%),出生时长正常(80.8%),能量摄入充足或过量(53.6%)。共有 41.7%的幼儿发育不良。家庭收入(p=0.022)、出生身长(p=0.040)和能量摄入(p=0.040)与幼儿发育迟缓发生率之间存在明显关系(p<0.05)。由此可以得出结论,家庭收入、出生时身长和能量摄入量与吉本布郎地区 24-59 个月幼儿发育迟缓的发生率有关。因此,需要在怀孕期间仔细监测母亲的营养摄入情况,并推广家庭食物园艺计划,以增加食物供应和收入,从而确保儿童的最佳发育。
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引用次数: 0
MnFe2O4 nanoparticle as a new and magnetically separable nanocatalyst for solvent-free synthesis of dihydropyrano [2,3-c]pyrazole derivatives MnFe2O4 纳米粒子作为一种新型磁分离纳米催化剂,用于无溶剂合成二氢吡喃 [2,3-c] 吡唑衍生物
Pub Date : 2024-01-22 DOI: 10.32628/ijsrst173876
Santosh B. Gaikwad, Kishore Puri
This study focused on synthesising MnFe2O4 (Manganese Ferrite) nanoparticles using the sol-gel method. We then applied these nanoparticles as a catalyst for synthesising dihydropyrano[2,3-c]pyrazole derivatives at a specific temperature. The significant advantage of this process is that it requires only short reaction times and no solvents. Additionally, the crude pyranopyrazole derivatives can be purified through a simple recrystallization process. The catalyst is reusable, magnetically separable and maintains its activity even after five uses. The chemical integrity of the catalyst was confirmed through FT-IR, 1H NMR, and 13C NMR techniques.
本研究的重点是利用溶胶-凝胶法合成 MnFe2O4(锰铁氧体)纳米粒子。然后,我们将这些纳米颗粒用作催化剂,在特定温度下合成二氢吡喃并[2,3-c]吡唑衍生物。这种工艺的最大优点是只需很短的反应时间,而且不需要溶剂。此外,还可以通过简单的重结晶工艺提纯粗吡喃并唑衍生物。该催化剂可重复使用,可通过磁力分离,即使使用五次后仍能保持其活性。催化剂的化学完整性已通过傅立叶变换红外光谱、1H NMR 和 13C NMR 技术得到证实。
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引用次数: 0
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International Journal of Scientific Research in Science and Technology
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