Volume 13 | Issue 11 |

 Abstract

As per the National Sample Survey about 4-5 percent of the elderly live alone and nearly 8% of urban aged live with their spouse while only 33-35 percent of elderly live with their children and about 5 percent live with other relatives. More than 80% of the elderly are living in rural areas. In rural areas about 6 percent of the women are elderly while in urban areas it is 5.1 percent. More importantly, about 64.3 percent of the elderly women were widowed and most of them were dependent on others. it is presented the study with the objective of find out the Socio-demographic and health conditions of the elderly in the study area along with following null hypothesis there is no statistically significance difference of health status among the male and female.

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 Keywords

Elderly, Sample, Rural areas

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Creative Commons Attribution 4.0 and The Open Definition

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Social media is a popular trend today, especially among students. The purpose of the study is to assess the impact of social media on academic performance among the Higher Secondary students and find out the association between the impact of social media on academic performance and selected socio demographic variables. In this study, non experimental descriptive design method was adopted for collecting and analyzing the data. A 100 numbers of sample were collected by using systematic random sampling method. A self-structured tool was developed to collect information and analysis was done by using Inferential and descriptive analysis. The results show that majority (70%) had moderate impact, 21% had mild impact and 9% had severe impact on academic performance and there is no association between the impact of social media and selected socio-demographic variables. There is an impact of social media on academic performance of the students.

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 Keywords

assess, impact, social media, higher secondary students, academic performance

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Abstract Workforce agility refers to an employee's ability to quickly adapt, respond, and adjust to changing workplace demands. Agile employees can handle new tasks, embrace change, and remain productive in dynamic environments. Psychological empowerment is a motivational concept that reflects how employees perceive their work in terms of meaning, competence, self-determination, and impact. This sense of empowerment fosters higher engagement, initiative, and adaptability. Previous studies done by several authors have consistently highlighted the positive relationship between psychological empowerment and employee outcomes such as job satisfaction, performance, and organizational commitment. This study investigates the influence of psychological empowerment on workforce agility among IT professionals using quantitative methods. Data collected from 107 full-time IT employees were analyzed using descriptive statistics, correlation, and regression analyses. Findings indicate that psychological empowerment significantly enhances workforce agility. The study also highlights demographic influences such as age, gender, marital status, education, work experience, and income on both empowerment and agility. Practical implications for HR policies and empowerment-focused interventions to foster agility in IT organizations are discussed.

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Keywords: Psychological Empowerment, Workforce Agility, IT Sector, Employee Adaptability

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Protecting digital infrastructure and sensitive information has become a critical priority as the use of web applications and institutional networks expands. Automated vulnerability scanners play a vital role in efficiently identifying and addressing security gaps that may otherwise be overlooked by manual assessments. This project outlines the design of an Automated Web Vulnerability Scanner that combines static and dynamic techniques to uncover threats such as SQL Injection, Cross-Site Scripting (XSS), and Cross-Site Request Forgery (CSRF). Comprehensive reports and prioritized risk scores help users respond quickly to the most severe issues while reducing reliance on manual checks. The tool also supports cybersecurity education by giving learners practical insight into vulnerability detection, ultimately encouraging stronger security practices in both academic and organizational environments.

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 Keywords

Vulnerability Scanner, Cyber security, Vulnerability Assessment, Network Security, Cyber security Awareness, Digital Security, Security Tools, Threat Mitigation, Vulnerability Management

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Banks are an integral part of the economy and the role of banks paly is indispensable. Every change in the banking industry affects strongly on the individual as well as on the economy of the nation. Regulatory bodies and governments should take cognizance of changes taking place in the field of banking. Credit Deposit Ratio has been changing rapidly and dramatically in the recent past. The CD ratio of some of the banks has been crossing the healthy limit, that limit consider to be the safe limit. The present study is focusing on the credit deposit ratio of private and public sector banks in India. Researcher have selected ten banks from each sector. Secondary data have been used and that data is extracted from the India Banking Association website for the analysis.

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Credit Deposit Ratio, Private and public sector bank, healthy CDR.

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This research paper presents an analysis of the multifaceted contributions of freedom fighter and social .reformer Pandit Sundarlal Sharma. His role is evaluated in the context of the national movement, political awakening in Chhattisgarh, the spread of social consciousness, and Dalit emancipation. The study highlights the historical context in which the Chhattisgarh region was grappling with social inequalities, caste divisions, and colonial exploitation. The research employs a historical-analytical methodology, including Pandit Sharma's biography and literary works as primary sources, and a comparative study of government reports, speeches, and contemporary political activities as secondary sources. Conclusively, the study reveals that Pandit Sundarlal Sharma not only accelerated social reforms but also politically awakened the public consciousness in the freedom movement. His programs, such as the eradication of untouchability, peasant movements, and the spread of education, organized rural society and paved the way for the renaissance of Chhattisgarh, providing strong support to the national movement.

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 Keywords

Social Reform, Pandit Sundarlal Sharma, Chhattisgarh, Rajim , dalit ,Chhattisgarh ,danlila.dularwa. mahandi

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Abstract Non-performing loans (NPLs) weaken bank balance sheets, constrain credit, and amplify economic downturns. When NPLs accumulate, they complicate both going-concern supervision and failure-time resolution. This paper synthesizes the legal mechanisms used across jurisdictions to manage NPLs throughout the lifecycle of banking distress--prevention, early intervention, recovery planning, and resolution. It explains the architecture of creditor rights and enforcement frameworks, specialized out-of-court restructuring tools, regulatory and accounting treatments, transfer and securitization structures, asset management companies (AMCs or "bad banks"), and resolution powers under modern regimes. It also examines cross-border frictions, state aid and competition safeguards, consumer protection interfaces, and operational execution challenges. The paper closes with practical design principles for policymakers and bank leadership to reduce NPL stocks, shorten resolution timelines, and preserve value during crises.

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Legal mechanisms, provision,SARFAESI and DRT , Non Performing loans , Banking recovery

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Bharveli mine, Gangulpara lake, Temperature, Texture, pH, Electrical conductivity, Density, Viscosity, Surface tension.

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Ultrasound-responsive nanocarriers have emerged as a transformative approach for targeted and controlled drug delivery, offering spatiotemporal precision unattainable with conventional systems. Among these, bubble liposomes (BLs) lipid vesicles encapsulating gas or perfluorocarbon cores combine the biocompatibility of liposomes with the echogenicity of microbubbles, enabling both diagnostic imaging and therapeutic delivery. Exposure to ultrasound triggers bubble oscillation and cavitation, resulting in transient perturbation of the liposomal membrane and controlled release of encapsulated drugs, nucleic acids, or imaging agents at the target site. This theranostic functionality reduces systemic toxicity and enhances therapeutic efficacy. This review provides a comprehensive discussion on the structural features, classification, preparation methods, physicochemical factors, mechanisms of action, evaluation strategies, and applications of bubble liposomes. Additionally, the review examines current limitations and future opportunities in translating this technology to clinical use. By integrating imaging and therapy, BLs represent a novel paradigm in nanomedicine, bridging diagnostic and therapeutic modalities.

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Ultrasound-responsive drug delivery, Non-invasive therapy, Spatially controlled release, Liposomes, Phospholipid bilayers, Biocompatibility, Drug encapsulation etc.

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Electronic commerce has grown into an essential component of today's commercial environment, with many businesses dependent significantly on online sales to boost revenue. In this scenario, customer trust and loyalty are important factors in e-commerce success. According to the survey, successful e-commerce has a major impact on customer loyalty and trust. Companies that are efficient at establishing and preserving customers loyalty and trust are more probable to see increases in repeat business, rate of retention of customers, and favorable reviews, all of which boost profits as well as sales. The survey also emphasizes how crucial the design of websites, safety standards, good quality products, and customer support are to building customer loyalty and confidence.

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Creative Commons Attribution 4.0 and The Open Definition

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E-commerce, customer trust, customer loyalty, quality products, customer support

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Creative Commons Attribution 4.0 and The Open Definition