This paper explores various disciplines within zoology, emphasizing the interconnectedness of zoology with other biological sciences. Focusing on the evolution of unicellular animals, it investigates the origins of Sporales and Khivchins, with a specific emphasis on infusoria, including their reproductive strategies. The study highlights conjugation and autogamy processes, offering insights into the diversity and evolution of these organisms.
{"title":"Infusions and Their Pathogenic Significance","authors":"Muminova Ra’nokhon Nabidjanovna, Mahkamov G’ulomjon Ma’murovich","doi":"10.17762/jaz.v44is1.2800","DOIUrl":"https://doi.org/10.17762/jaz.v44is1.2800","url":null,"abstract":"This paper explores various disciplines within zoology, emphasizing the interconnectedness of zoology with other biological sciences. Focusing on the evolution of unicellular animals, it investigates the origins of Sporales and Khivchins, with a specific emphasis on infusoria, including their reproductive strategies. The study highlights conjugation and autogamy processes, offering insights into the diversity and evolution of these organisms.","PeriodicalId":35945,"journal":{"name":"Journal of Advanced Zoology","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-12-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138973066","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-12-14DOI: 10.17762/jaz.v44is7.2723
Vikas Hooda, Dr Gurvinder Pal Singh
The basic as well as desirable needs of a person for decent survival in today’s materialistic and globalised world demand corresponding financial resources in hand. Irrespective of the profession and societal strata, individuals have their own financial aspirations and challenges. Financial literacy enables a person with understanding of financial terms and concepts besides imbibing skills, consciousness, talent and attitude to take important financial decisions. Military service having peculiar service conditions and limited exposure to financial field further makes it imperative to study the subject for inclusivity as very few studies have looked into financial issues pertaining to military personnel. The main aim of this research paper is to ascertain financial literacy of Commissioned Officers of Indian Army. For the study, 133 serving Commissioned Officers of Indian Army of varying age and length of service constituted the sample. Non-Probability technique of selecting sample has been used for the study wherein Purposive sampling is used to draw responses from the sample units. A structured questionnaire was developed to collect Primary data from serving Commissioned Officers of Indian Army. Detailed analysis has been carried out for the collected data using various tools and techniques in Microsoft Excel and SPSS. The study has brought out that financial literacy levels of serving commissioned officers of Indian Army are high. Though the demographic variables and financial literacy levels of Indian Army officers are not statistically associated, however overall high levels of financial literacy indicate their maturity of thought and quest for learning. Overall, the study outcomes indicate a healthy state for the organization and the Nation in terms of financial literacy of serving Commissioned Officers of Indian Army with respect to personal financial planning.
在当今物欲横流和全球化的世界里，一个人要想体面地生存，其基本需求和理想需求都需要相应的财政资源。无论职业和社会阶层如何，每个人都有自己的财务愿望和挑战。金融扫盲使一个人除了掌握技能、意识、才能和态度外，还能理解金融术语和概念，从而做出重要的金融决策。由于军人的服役条件特殊，接触金融领域的机会有限，因此必须对这一主题进行全面研究，因为很少有研究涉及军人的金融问题。本研究论文的主要目的是了解印度陆军军官的财务知识。在这项研究中，133 名不同年龄和服役年限的印度陆军现役军官构成了样本。研究采用了非概率抽样技术，即从样本单位中进行有目的的抽样。为收集印度陆军现役军官的原始数据，编制了一份结构化问卷。使用 Microsoft Excel 和 SPSS 中的各种工具和技术对收集到的数据进行了详细分析。研究结果表明，印度陆军现役军官的金融知识水平较高。虽然人口统计学变量与印度陆军军官的金融素养水平没有统计学关联，但总体而言，高水平的金融素养表明他们思想成熟，求知欲强。总体而言，研究结果表明，就印度陆军现役军官在个人财务规划方面的财务知识水平而言，组织和国家都处于健康状态。
{"title":"Financial Literacy for Personal Financial Matters: A Study of Indian Army Officers","authors":"Vikas Hooda, Dr Gurvinder Pal Singh","doi":"10.17762/jaz.v44is7.2723","DOIUrl":"https://doi.org/10.17762/jaz.v44is7.2723","url":null,"abstract":"The basic as well as desirable needs of a person for decent survival in today’s materialistic and globalised world demand corresponding financial resources in hand. Irrespective of the profession and societal strata, individuals have their own financial aspirations and challenges. Financial literacy enables a person with understanding of financial terms and concepts besides imbibing skills, consciousness, talent and attitude to take important financial decisions. Military service having peculiar service conditions and limited exposure to financial field further makes it imperative to study the subject for inclusivity as very few studies have looked into financial issues pertaining to military personnel. The main aim of this research paper is to ascertain financial literacy of Commissioned Officers of Indian Army. For the study, 133 serving Commissioned Officers of Indian Army of varying age and length of service constituted the sample. Non-Probability technique of selecting sample has been used for the study wherein Purposive sampling is used to draw responses from the sample units. A structured questionnaire was developed to collect Primary data from serving Commissioned Officers of Indian Army. Detailed analysis has been carried out for the collected data using various tools and techniques in Microsoft Excel and SPSS. The study has brought out that financial literacy levels of serving commissioned officers of Indian Army are high. Though the demographic variables and financial literacy levels of Indian Army officers are not statistically associated, however overall high levels of financial literacy indicate their maturity of thought and quest for learning. Overall, the study outcomes indicate a healthy state for the organization and the Nation in terms of financial literacy of serving Commissioned Officers of Indian Army with respect to personal financial planning.","PeriodicalId":35945,"journal":{"name":"Journal of Advanced Zoology","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-12-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138971055","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
There is quite a long history in Nigeria of Geothermal energy exploration. Geothermal energy resources are available in every part of Nigeria beneath the subsurface. The resources, however, vary in concentration in all the geological parts of the country. This paper reviewed the prospects of geothermal energy exploration by using the potential field (magnetic and gravity) technique for the exploration activities. The potential field data is capable to provide information on the subsurface structures after some filtering techniques (in case of magnetic) or data corrections (in case of gravity) have been applied to the raw field data. The processed data is capable to scan the lateral and vertical extent of anomalous zones beneath the surface. Geothermal energy, if properly exploited would contribute to the generation of clean energy in Nigeria for domestic and industrial purpose.
{"title":"A Short Review on The Application of Potential Field Methods for Geothermal Energy Exploration","authors":"Theophilus Aanuoluwa Adagunodo1, Ayobami Ismaila Ojoawo, Julius Oluwasegun Omidiora, Rebecca Aderonke Ogundiya","doi":"10.17762/jaz.v44i5.2773","DOIUrl":"https://doi.org/10.17762/jaz.v44i5.2773","url":null,"abstract":"There is quite a long history in Nigeria of Geothermal energy exploration. Geothermal energy resources are available in every part of Nigeria beneath the subsurface. The resources, however, vary in concentration in all the geological parts of the country. This paper reviewed the prospects of geothermal energy exploration by using the potential field (magnetic and gravity) technique for the exploration activities. The potential field data is capable to provide information on the subsurface structures after some filtering techniques (in case of magnetic) or data corrections (in case of gravity) have been applied to the raw field data. The processed data is capable to scan the lateral and vertical extent of anomalous zones beneath the surface. Geothermal energy, if properly exploited would contribute to the generation of clean energy in Nigeria for domestic and industrial purpose.","PeriodicalId":35945,"journal":{"name":"Journal of Advanced Zoology","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-12-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138972077","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Topical Fungal Infections are the most common types of skin infections. Nearly a billion people are suffering from fungal infections of different types. Early accurate diagnosis and treatments may lead to complete cure of such infections, which if left untreated may lead to deadly results. Our current Research topic includes designing of antifungal emulgels that contain oil base which already has proven its efficacy against fungal infections and Fluconazole as the main active ingredients. Three oils were selected namely Tea tree oil, Neem oil and Lemon grass oil. To enhance the efficacy of BCS class II drug fluconazole, solid dispersions of the drug were prepared(F1-F6). Twelve formulations (EGF1-EGF12) containing various combination of oils, gelling agents, API, Aloe vera gel were prepared. Which were then evaluated and characterized for properties like drug content, Rheological study, spread ability, Drug release, pH, stability analysis etc. Among all the formulations EGF2 and EGF5 showed optimum results for drug content and drug release kinetics. The Best selected formulations were then compared with marketed gel formulation of Fluconazole and were kept for stability study analysis. Preformulation studies of the drug, preparation of solid dispersions, incorporation of these solid dispersions into emulgels and characterization of prepared emulgels by comparing with marketed formulations are the main key points of our Research work.
局部真菌感染是最常见的皮肤感染类型。有近十亿人患有不同类型的真菌感染。如果不及时治疗，可能会导致致命的后果。我们目前的研究课题包括设计抗真菌软胶囊，其主要活性成分为氟康唑和已被证明具有抗真菌感染功效的油基。我们选择了三种油，即茶树油、印度楝树油和柠檬草油。为了提高 BCS II 类药物氟康唑的药效，制备了该药物的固体分散体（F1-F6）。制备了 12 种配方（EGF1-EGF12），其中包含不同的油、胶凝剂、原料药和芦荟胶组合。然后对这些配方的药物含量、流变学研究、铺展能力、药物释放、pH 值、稳定性分析等特性进行了评估和表征。在所有配方中，EGF2 和 EGF5 在药物含量和药物释放动力学方面表现出最佳效果。然后，将选出的最佳配方与氟康唑的市售凝胶配方进行比较，并进行稳定性研究分析。药物的制剂前研究、固体分散体的制备、将这些固体分散体加入到凝胶剂中以及将制备的凝胶剂与市售制剂进行比较以确定其特性是我们研究工作的重点。
{"title":"Design, Development and in Vitro Characterization of Emulgels Loaded with Fluconazole Solid Dispersion and Various Oils for Synergestic Anti-Fungal Effect","authors":"Mohd Vaseem Fateh, D.K. Sharma","doi":"10.17762/jaz.v44i5.2768","DOIUrl":"https://doi.org/10.17762/jaz.v44i5.2768","url":null,"abstract":"Topical Fungal Infections are the most common types of skin infections. Nearly a billion people are suffering from fungal infections of different types. Early accurate diagnosis and treatments may lead to complete cure of such infections, which if left untreated may lead to deadly results. Our current Research topic includes designing of antifungal emulgels that contain oil base which already has proven its efficacy against fungal infections and Fluconazole as the main active ingredients. Three oils were selected namely Tea tree oil, Neem oil and Lemon grass oil. To enhance the efficacy of BCS class II drug fluconazole, solid dispersions of the drug were prepared(F1-F6). Twelve formulations (EGF1-EGF12) containing various combination of oils, gelling agents, API, Aloe vera gel were prepared. Which were then evaluated and characterized for properties like drug content, Rheological study, spread ability, Drug release, pH, stability analysis etc. Among all the formulations EGF2 and EGF5 showed optimum results for drug content and drug release kinetics. The Best selected formulations were then compared with marketed gel formulation of Fluconazole and were kept for stability study analysis. Preformulation studies of the drug, preparation of solid dispersions, incorporation of these solid dispersions into emulgels and characterization of prepared emulgels by comparing with marketed formulations are the main key points of our Research work.","PeriodicalId":35945,"journal":{"name":"Journal of Advanced Zoology","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-12-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138973789","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-12-14DOI: 10.17762/jaz.v44is7.2762
Ashwini Bhosale, Manjusha Borde Dhande, Ashok V. Shinde, Prashant Jadhav
The candidiasis is an opportunistic infection commonly affecting the oral cavity. The most prevalent clinical symptoms of candidiasis seen in medical and dental practice is oral candidiasis. People who are extremely young, elderly, or already ill are more likely to develop the illness. The present review summarize classification, pathophysiology, laboratory diagnosis and treatment and management of oral candidiasis. Additionally, medicinal herbs and nutraceuticals can be explored as a safe, accessible, and cost-effective therapy option for oral candidiasis.
{"title":"Oral Candidiasis Review: Pathogenesis, Clinical Presentation, And Treatment Strategies","authors":"Ashwini Bhosale, Manjusha Borde Dhande, Ashok V. Shinde, Prashant Jadhav","doi":"10.17762/jaz.v44is7.2762","DOIUrl":"https://doi.org/10.17762/jaz.v44is7.2762","url":null,"abstract":"The candidiasis is an opportunistic infection commonly affecting the oral cavity. The most prevalent clinical symptoms of candidiasis seen in medical and dental practice is oral candidiasis. People who are extremely young, elderly, or already ill are more likely to develop the illness. The present review summarize classification, pathophysiology, laboratory diagnosis and treatment and management of oral candidiasis. Additionally, medicinal herbs and nutraceuticals can be explored as a safe, accessible, and cost-effective therapy option for oral candidiasis.","PeriodicalId":35945,"journal":{"name":"Journal of Advanced Zoology","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-12-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138973820","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Dr. Ashwini Kini, Dr. Gaurang Mistry, Dr. Mishal De Souza, Dr. Swapnita Vaity, Dr. Saba Supariwala, Dr. Prerna Pandey
Oral squamous cell carcinoma (OSCC) warrants extensive surgical resection of the affected areas of the oral cavity which takes a tremendous toll on the patient’s functioning, aesthetic as well as social confidence. Replacement of such a large number of teeth along with portions of the alveolar ridge and mucosa warrants exuberant planning to ensure a satisfactory outcome in terms of function and patient comfort. The present case report describes one such case of OSCC that was treated with partial mandibular resection and had a large mandibular defect that was rehabilitated by means of a prosthesis using an interdisciplinary approach.
{"title":"Telescopic Overdenture Rehabilitation Following Hemimandibulectomy: Case Report","authors":"Dr. Ashwini Kini, Dr. Gaurang Mistry, Dr. Mishal De Souza, Dr. Swapnita Vaity, Dr. Saba Supariwala, Dr. Prerna Pandey","doi":"10.17762/jaz.v44i5.2770","DOIUrl":"https://doi.org/10.17762/jaz.v44i5.2770","url":null,"abstract":"Oral squamous cell carcinoma (OSCC) warrants extensive surgical resection of the affected areas of the oral cavity which takes a tremendous toll on the patient’s functioning, aesthetic as well as social confidence. Replacement of such a large number of teeth along with portions of the alveolar ridge and mucosa warrants exuberant planning to ensure a satisfactory outcome in terms of function and patient comfort. The present case report describes one such case of OSCC that was treated with partial mandibular resection and had a large mandibular defect that was rehabilitated by means of a prosthesis using an interdisciplinary approach. ","PeriodicalId":35945,"journal":{"name":"Journal of Advanced Zoology","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-12-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139001402","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-12-14DOI: 10.17762/jaz.v44is7.2740
Shyam Sunder Saini, Lalit Sen Sharma
In an ever-evolving technological landscape, addressing the performance challenges of real-time communication protocols is crucial. Real-time communication, facilitated by streaming media protocols, utilizes peer-to-peer or client-server models to enhance Quality of Service (QoS). WebRTC (Web Real-Time Communication) stands as a widely adopted, browser-based, open-source, peer-to-peer protocol, offering real-time media transmission through JavaScript APIs without third-party plugins. This paper presents an in-depth performance evaluation of a WebRTC-based video conferencing system using Socket.io services on a Node.js server. Our research expands on recent studies by introducing a comprehensive set of performance parameters, including Processing delay, CPU Utilization, Latency, Jitter, and Packet Loss, and packet delay. Our findings indicate that WebRTC performs exceptionally well within specific latency thresholds. However, scalability concerns emerge when a large number of clients are introduced, especially in bandwidth-constrained environments.
{"title":"Performance Evaluation of WebRTC-Based Video Conferencing: A Comprehensive Analysis","authors":"Shyam Sunder Saini, Lalit Sen Sharma","doi":"10.17762/jaz.v44is7.2740","DOIUrl":"https://doi.org/10.17762/jaz.v44is7.2740","url":null,"abstract":"In an ever-evolving technological landscape, addressing the performance challenges of real-time communication protocols is crucial. Real-time communication, facilitated by streaming media protocols, utilizes peer-to-peer or client-server models to enhance Quality of Service (QoS). WebRTC (Web Real-Time Communication) stands as a widely adopted, browser-based, open-source, peer-to-peer protocol, offering real-time media transmission through JavaScript APIs without third-party plugins. This paper presents an in-depth performance evaluation of a WebRTC-based video conferencing system using Socket.io services on a Node.js server. Our research expands on recent studies by introducing a comprehensive set of performance parameters, including Processing delay, CPU Utilization, Latency, Jitter, and Packet Loss, and packet delay. Our findings indicate that WebRTC performs exceptionally well within specific latency thresholds. However, scalability concerns emerge when a large number of clients are introduced, especially in bandwidth-constrained environments.","PeriodicalId":35945,"journal":{"name":"Journal of Advanced Zoology","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-12-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139002033","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-12-14DOI: 10.17762/jaz.v44is7.2755
Dr. Matangi Mishra, Pritam Bhunia, Shubham Shubham, Rounick Sen, Rittwik Bhunia, Jayesh Gulia, Titir Mondal, Zinédine Zidane, Tuhin Saha, Alex Chacko, Ritu Raj, Vyshak S S, Lakshay Kaushal
This review provides an overview of the honey bee (Apis mellifera) which is one of the most important pollinators for agriculture and ecosystems, considered a critical yet fragile contributor to world biodiversity and food security among the countless species facing unprecedented challenges due to uneven climate drivers. Scientists are concerned about the impact of climate change on honey bee habitats. This review study looks at the complicated relationship between climate change and honey bees’ health leading to their genetic and behavioural changes. Further, it also mentions how changes in temperature and weather patterns affect foraging, reproduction and colony survival. This study will focus on the different processes that highlight their susceptibility and emphasise the critical need for comprehensive approaches to mitigate the potential consequences through policy implementation.
{"title":"The Impact of Weather Change on Honey Bee Populations and Disease","authors":"Dr. Matangi Mishra, Pritam Bhunia, Shubham Shubham, Rounick Sen, Rittwik Bhunia, Jayesh Gulia, Titir Mondal, Zinédine Zidane, Tuhin Saha, Alex Chacko, Ritu Raj, Vyshak S S, Lakshay Kaushal","doi":"10.17762/jaz.v44is7.2755","DOIUrl":"https://doi.org/10.17762/jaz.v44is7.2755","url":null,"abstract":"This review provides an overview of the honey bee (Apis mellifera) which is one of the most important pollinators for agriculture and ecosystems, considered a critical yet fragile contributor to world biodiversity and food security among the countless species facing unprecedented challenges due to uneven climate drivers. Scientists are concerned about the impact of climate change on honey bee habitats. This review study looks at the complicated relationship between climate change and honey bees’ health leading to their genetic and behavioural changes. Further, it also mentions how changes in temperature and weather patterns affect foraging, reproduction and colony survival. This study will focus on the different processes that highlight their susceptibility and emphasise the critical need for comprehensive approaches to mitigate the potential consequences through policy implementation. \u0000 ","PeriodicalId":35945,"journal":{"name":"Journal of Advanced Zoology","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-12-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139002139","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-12-14DOI: 10.17762/jaz.v44is7.2726
Hariom Divaka, Anu Bagri
The drive to sustainability is transforming the way we live. In the wake of deteriorating environment sustainable and inclusive economy is the need of the hour and has become essential to implement in any field possible. In the recent years sustainable finance has come to dominate many investments decision and has an impact on the way funds are mobilised. One aspect of sustainable finance is sustainable lending which covers a range of activities that play a key role in credit decisions. Sustainable lending enhances and encourages environmentally sustainable practices and hence contributing to Environmental-Social -Governance (ESG) framework in lending. Global leaders are focusing on lending in sustainable companies and projects to create long term value for community. This paper is an endeavour to study the opportunities that sustainable lending offers to banking sector. The paper highlights the global best practices in sustainable lending adopted by frontrunners and analyse the business model and technologies associated with this. In descriptive study the paper brings out the challenges faced by firms in adopting models linking sustainability in their commercial lending activities. Moreover, the aspect that is not only financing through ESG lens but which is more than financial returns are bought into light.
{"title":"Prospects and Hurdles in Transition towards ESG linked Sustainable Lending to achieve Resilience against Environment Risk","authors":"Hariom Divaka, Anu Bagri","doi":"10.17762/jaz.v44is7.2726","DOIUrl":"https://doi.org/10.17762/jaz.v44is7.2726","url":null,"abstract":"The drive to sustainability is transforming the way we live. In the wake of deteriorating environment sustainable and inclusive economy is the need of the hour and has become essential to implement in any field possible. In the recent years sustainable finance has come to dominate many investments decision and has an impact on the way funds are mobilised. One aspect of sustainable finance is sustainable lending which covers a range of activities that play a key role in credit decisions. Sustainable lending enhances and encourages environmentally sustainable practices and hence contributing to Environmental-Social -Governance (ESG) framework in lending. Global leaders are focusing on lending in sustainable companies and projects to create long term value for community. This paper is an endeavour to study the opportunities that sustainable lending offers to banking sector. The paper highlights the global best practices in sustainable lending adopted by frontrunners and analyse the business model and technologies associated with this. In descriptive study the paper brings out the challenges faced by firms in adopting models linking sustainability in their commercial lending activities. Moreover, the aspect that is not only financing through ESG lens but which is more than financial returns are bought into light.","PeriodicalId":35945,"journal":{"name":"Journal of Advanced Zoology","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-12-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139002892","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-12-14DOI: 10.17762/jaz.v44is7.2745
Dr. A. Venu, M. V. Lakshmi, D. A. Latha
India is the second leading fish producing country in the world accounting for 7.56 per cent of global production. Fisheries sector plays an important role in the Indian economy through contributing national income, employment creation; promote exports, provides food and nutritional security. Andhra Pradesh has favorable agro-climatic conditions for the growth of fisheries and aquaculture sector. The State is contributing about 29.7% of national fish production and is a major exporter of shrimp in India with share of 40.4% in total value of sea food exports of the country during 2019-20. The sector is providing employment to nearly 26.5 lakhs. Andhra Pradesh has 26 coastal districts. The present study analyzing the socio-economic status of fishermen and various problems encountered by the fishermen during fishing holiday period in the study area. To analyze the income and expenditure pattern and asset structure of fisher households. This study is confined to Kakinada Harbour Area. A major proportion of the sample respondents were joined in fishing due to poverty i.e. 45 per cent, a higher proportion of the respondents (67%) are living in nuclear family, Major proportion of respondents had 11-20 years of fishing experience (42%), followed by 21-30 years (24%), 1-10 years (17%) and more than 30 years (16%), 97 per cent of respondents are living in the pucca and semi-pucca houses
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