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.
by :
Soji Sebastian M,Karunakaran N
15 February 2021
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Journal Articles
: Volume : Volume 7 Issue : Issues 1-February
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.
by :
Prakash V, Vinodkumar T
15 February 2021
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Journal Articles
: Volume : Volume 7 Issue : Issues 1-February
Financial literacy is increasingly important as it has become essential that individuals acquire the skills to be able to survive in the modern society and cope with the increasing diversity and complexity of financial product and services. Financial literacy is the education and understanding of various financial areas including topics related to managing personal finance, money and investing. Financial literacy helps individuals become self-sufficient so that they can achieve financial stability. Financial institutions, the student loan community, financial professionals and educators, and others have identified personal financial management education as a priority. This study examines the need for financial literacy programmes on college campus, and current students’ desires for these programs. The education and experience can have significant impact on the financial literacy of both men and women. This paper seeks to examine the level of financial literacy among the students and analyze the saving habits influencing on their investment decisions. Both primary and secondary data has been used in this study. Convenient sampling method is used in collecting the data and this study surveys 30 college students belonging to Puttur area to examine their personal financial literacy. An attempt has also been made through this paper to understand the importance of financial literacy program and its importance in the curriculum.
by :
Yashvanth Nayak G, praveen
14 August 2020
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Journal Articles
: Volume : Volume 6 Issue : Issues 2-August
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.
by :
Nidhiya Anna Mathe, Gladys Lobo
14 August 2020
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Journal Articles
: Volume : Volume 6 Issue : Issues 2-August
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.
by :
Mani K J, Jilly John
14 August 2020
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Journal Articles
: Volume : Volume 6 Issue : Issues 2-August
