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Factors Affecting Housing Loan Decisions of Rural People in Kerala: A Study of Vellarikkundu Taluk in Kasaragod

Housing Finance plays a vital role as an engine of equitable economic growth through the reduction of poverty and prevents slum proliferation in economy. The demand for housing has increased rapidly day by day. Percentage of families owing house in India is 87 percent. The introduction of banking finance for housing purposes is a big boost to the customers and the economy. It is also linked with other industries like cement, steel, blue metal, and so on. The housing finance decisions of people in rural areas are influenced by a number of factors. They also were facing different problems while getting such loans. Interest rate of the loan varies from institution to institution, the period of repayment of loan ranges between 5 to 20 years and some enjoy tax benefit.

Innotransformative Trajectory of the Pandemic Covid-19

 The data on Coronavirus were changing on daily basis, and it was difficult to provide current statistics for the affected, recovered and casualties. However, based on some initial studies, a few characteristics were emerging for this virus. This paper is based on the review of published papers in journals and news papers about multifaced effects of the pandemic. The review shows that there is an innovative transformation in the form of the trajectory of the pandemic in different spears of human life. Starting from the event in China its spread in 97% of the nations created economic, social, psychological, environmental, ethical and work life issues. The result of the studies upon the pandemic is exhaustive and only selected spears were analysed to arrive at the conclusion of its transformative results and characteristics.

A Study on the Transport Behaviour of Cobalt (Co) in Mangroves

Mangroves are a unique habitat rich in biodiversity. They are known as the plant army of the land. Present study is an attempt to simulate the accumulation and transport behaviour of cobalt by mangroves in sewage sludge included soil. Plants found on such fields absorb heavy metals, which causes phyto-toxicity. This manuscript is based on the dynamic macroscopic numerical model for heavy metal movement. The model is applied for simulating cobalt transport by Common Derris (Derris trifoliate) and Sea Holly (Acanthus ilicifolius) using measured field information. The controlling non-linear differential equations are settled numerically utilizing MATLAB.

Alternative Organizational Climate, Changing Scenarios in Catholic Hospitals

Changing scenario of organizational climate in the catholic hospitals of Kerala and Karnataka were studied in the context of job satisfaction. The methodology used was qualitative in approach and narrative in design. The paper focused on the subjective experiences of selected nurses and ancillary staff. The objective of the part of the doctoral study was focused on the variables such as; 1) Communication flow, organizational structure and methodology of change in the administration, 2) Management policies in decision making, professional and personal growth 3) Personnel treatment in terms of organizational warmth and recognition and free from exploitation and stress and 4) Job Satisfaction, work group, leadership and communication. The result showed positive and favourable experience from the part of nursing and ancillary staff in both the states deriving an innovative model in the area of organizational climate that could be replicated in service-oriented health institutions.

Pros and Cons of Government Support in Creation of Women Entrepreneurship in Medium and Large Scale Industries in South India

Today, women in India are scaling equal to that of men in different fields of business, which enabled government to concentrate on creation and development of women entrepreneurship in India. Government of India has launched different financial and other schemes in which some are meant specially for women like Stand-Up India scheme which provides loan only to women and SC/ST entrepreneurs. As on 31.01.2020, 70% of the total loan borrowers of Pradhan Mantri MUDRA are Women. As on 17.02.2020, more than 81% account holders under Stand Up India Scheme are women and Rs. 9106.13 crore has been disbursed for women account holders. We can find women’s taking initiatives in different fields but majority of the women entrepreneurs are limiting themselves to small sector. Even though this is help them to become self-employed but focusing on medium and large scale entrepreneurship can help to boost the economic growth. Therefore, the present study tries to find out reasons behind women’s taking entrepreneurship in small sectors in large number instead of medium and large scale entrepreneurship. Primary data using telephonic interview, have been extracted from women entrepreneurs who have taken government support in creating their entrepreneurial initiative. Convenience sampling method has been used to select samples.

Entrepreneurial qualities and skills are essential for industrial development as well as eradication of poverty by means of creating self employment and employment to others. The Central and the State governments are trying their best for promotion of entrepreneurship among the economically backward castes, particularly scheduled castes and scheduled tribes through policy measures and institutional network. Keeping in view the need and importance of the entrepreneurship development among under privileged communities in the present era of globalisation, the present study is undertaken to probe into the entrepreneurial process, problems and challenges faced by the SC/ST entrepreneurs and to make some possible suggestions.

Rural Credit to Farmers in Kasaragod District and its Effectiveness

 Credit is essential for rural development, especially for farming sector.  Financial  requirements  of  the  farming  sector  have  increased tremendously over the last few decades due to the extended use of fertilizers, improved seeds and mechanization.  Credit flows for rural economic development initially  made  through cooperative societies  have contributed much  to  the improvement of  the  financial condition  of  agriculture  and  rural  economy. Institutional credit has been viewed as an important instrument for serving rural development especially in the agricultural sector. The role of banking institution in rural development in India has undergone vast changes since the nationalization of major commercial banks. The study evaluated the economic effectiveness of rural credit among farmers in Kasaragod district. The analysis on agricultural production, income, standard of living, saving and investment of farmers before and after credit revealed the effectiveness of rural credit. The result shows that rural credit influenced agricultural production level, income, standard of living and saving of farmers effectively. 

A Study on Job Stress among Nurses in a Selected Medical College Hospital

 In the present scenario there are many fields and professions which are expanding day by day. Among the professions some are considered very relaxed and some are stressful.  Nursing is a profession which needs lots of personal commitment and time, due to the nature of the profession. Their main task is to take care and provide services to the sick, hence it is important that they should be free from stress.  In the present work a cross sectional descriptive study design was adopted for the study to assess the job stress among nurses in the Yenepoya Medical College Hospital, Mangalore. A total of 90 nursing staff were covered as samples from Yenepoya Medical College Hospital selected through purposive sampling technique.  Questionnaire method was used to collect the data.  The study revealed that the majority, 80% of them have moderate level of stress.  The level of stress is significantly associated with  age,  children  and  working  department.  Effective  occupational  stress management techniques may be imparted to control the job stress and improving coping at work. 

Assessment of Excess Lifetime Cancer Risk in an Endosulfan Spread Area, Kasaragod

Present study is an attempt to assess the radioactivity level and thereby obtaining the radiological parameters in and around the Rajapuram cashew plantation, an endosulfan spread area, Kasaragod in order to understand the associated health risk to the residents of the area.  The external gamma radiation  survey  has  been  carried  out  using  a  sensitive  portable  plastic scintillometer (UR-705).  The radiological parameters viz. absorbed dose rate (D), annual effective dose rate (indoor & outdoor), and excess lifetime cancer risk (ELCR) were calculated, compared with the reported values elsewhere and possible conclusions are drawn.  The values of radiological parameters are well within the permissible limits except the annual effective dose rate (indoor). The study clearly indicates that,  the potential carcinogenic effects and the probability of occurrence of cancer to the inhabitance due to gamma radiation exposure is insignificant.  The results of these systematic investigations are presented and discussed in detail in the manuscript. 

The Need and Importance of Parenting Education

Parents are the most responsible persons in the upbringing of the children.  Positive parenting  supports  a child  to  become good  person and citizen. We always think seriously about the value-based education, formation and  training  given  to  the  children  to  be  effective  citizens  of  the  society. However, we think less of the formation and education given to the parents who have to mould the behaviour and character of the children. In the modern society where the challenges to family life are more, where the parents struggle to meet the expectations of the children, a parent should be equipped to handle the responsibility of parenting with proper knowledge, attitude, aptitude and skills. If so, parents need proper training and education. Mixed methodology is used for the study. The result of this study shows that majority of the parents do not have any orientation or training in preparation to their marital life or parental responsibility. Hence, the study comes out with the most important suggestion  of need  and importance  of parenting education in  the  modern society. 

Human Rights of Sex Workers with Special Reference to Amnesty International Policy

 Human rights are rights inherent to all human beings, whatever our nationality, place of residence, sex, national or ethnic origin, colour, religion, language, or any other status. We are all equally entitled to our human rights without discrimination. These rights are all interrelated, interdependent and indivisible. (United Nations Human Rights, 2020). Sex workers’ rights encompass a variety of aims being pursued globally by individuals and organizations that specifically involve the human health, and labour of sex workers and their clients. This study draws upon the experience of sex workers in the field of “sex work as a job”  and  their  understanding about Human Rights with  reference  to Amnesty International Policy. This case study tries to understand multiple and interjecting forms of  discrimination and exclusion faced by sex workers, their views about “sex work” as job, their understanding of their rights to leave the job when they choose to, their perception on the need of decriminalizing sex work and  the accessibility of sex workers with respect to judicial system and health care. The study was conducted in Trivandrum District, Kerala. The study reveals that sex workers are extremely harassed in the society and policies relating  to human rights of sex  workers  exist  but the implementation  and knowledge about it is low. 

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