Volume 13 | Issue 8 |

 Abstract

The Insurance industry in India is one of the fastest-growing Industry. After liberalisation, the insurance sector adopted significant changes, resulting in the restructuring of the Indian economy. A company with a proper investment policy and profitability along with the safety of the funds will grow and sustain in the long run. The objective of the study is to analyse the financial performance and the relationship between the variables of the selected General Insurance Companies in India. The study is analytical in nature based on secondary data which has been collected from Hand Book of General Insurance Companies published by IRDA, Annual Report of IRDA and other GIC, websites etc. for the period 2017-18 to 2021-22. A Growth Rate Analysis and Correlation is performed to know the relationship between Premium income and other important factor like Profit After Tax, Commission & Operating Expenses. The study of Growth rate analysis confirms a higher growth rate in net premiums for private insurers like HDFC ERGO compared to public sector Companies. While commission expenses decreased across the board, operating expenses varied. HDFC ERGO showed a positive correlation between profit and operating expenses, suggesting higher expenses might be linked to growth strategy. Strong positive correlations between premium income and claim incurred indicate profitability management.

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General Insurance, Public Sector, Private Sector, Growth Rate Analysis

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This paper presents a comprehensive review and comparative analysis of photovoltaic (PV) performance modeling techniques, categorizing them into mathematical, analytical, and computational approaches. It examines the strengths and limitations of each category, focusing on their ability to accurately simulate and predict PV system behavior under diverse environmental conditions. Mathematical models offer simplicity and closed-form solutions, while analytical models provide deeper physical insights through fundamental equations. Computational models, leveraging advanced numerical methods and machine learning, demonstrate enhanced adaptability and robustness. The review highlights the evolution of modeling techniques, emphasizing the trend towards incorporating dynamic environmental factors and advanced computational methods. It also identifies critical research gaps, including the validation of models under extreme conditions, the development of dynamic models, and the quantification of uncertainties. The paper concludes by emphasizing the importance of selecting an appropriate modeling approach based on specific application requirements and underscores the potential of hybrid models for achieving improved accuracy and reliability in PV system performance prediction.

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PV Cell Modeling, Mathematical Modeling, Analytical Modeling, Computational Modeling, Irradiance Modeling, Temperature Modeling, Power Forecasting

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The institution of Waqf has played a pivotal role in Islamic charitable traditions, acting as a foundation for social, religious, and educational welfare. In India, waqf properties constitute a significant share of religious endowments, governed by a series of legislations culminating in the Waqf Act, 1995, and its amendments. This research paper provides a comprehensive analysis of the historical evolution of waqf, legislative developments, judicial pronouncements, and constitutional issues, while addressing contemporary challenges such as corruption, encroachment, and lack of digitization. Comparative insights from Turkey, Malaysia, and Pakistan are incorporated, followed by recommendations for modernization and governance reforms.

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Waqf, Islamic Law, Waqf Act, Minority Rights, Constitutional Law, Governance.

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color mind test, attention span

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 Abstract

Impact of online education on mental health of students

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Impact of online education on mental health of students

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OUPONIBESHIK BANGLAY KARIGAR! BIDYACHORCHA: PROSANGA BENGAL ENGINEERING COLLEGE EBONG BANGALI KARIGAR

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OUPONIBESHIK BANGLAY KARIGAR! BIDYACHORCHA: PROSANGA BENGAL ENGINEERING COLLEGE EBONG BANGALI KARIGAR

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India's neighborhood has been plagued by terrorism, with Pakistan being a major contributor to this threat. Despite various efforts to combat terrorism, India continues to face several challenges in its counter-terrorism efforts. This study provides a critical analysis of India's counter-terrorism strategy in its neighborhood, focusing on the country's response to terrorism emanating from Pakistan. This study examines the evolution of India's counter-terrorism approach from reactive to a proactive strategy and assesses its effectiveness in deterring terrorist attacks. This study also analyzes the key challenges facing India's counter-terrorism efforts, including the lack of effective international cooperation, the presence of terrorist safe places in Pakistan and the need for greater coordination between different agencies which involved in counter-terrorism efforts. This study employs a qualitative research approach and which draws on official data, media reports, government statements etc. The findings of the study highlight the need for a more proactive and coordinated approach to counter-terrorism which includes greater international cooperation, more effective use of intelligence and improved coordination between different agencies which are involved in counter-terrorism efforts. This study also analyzes the importance of addressing the root causes of terrorism including poverty, social inequality and unemployment.

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India, Terrorism, Strategy, Neighbourhood

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This paper introduces a new generative AI method for facilitating human-centric systems: multimodal emotion recognition inferences. Existing emotion recognition models cannot be applied to unseen data well, since the number of emotions is different across datasets. We introduce a synthetic data-based solution to overcome such mismatches in GPT, which uses Generative Adversarial Networks (GANs), diffusion models, and large language models (LLMs) like GPT in conjunction to create expressive samples on visual (facial), auditory and textual modalities. To learn deep neural networks like ResNet-18, BiLSTM and BERT, the synthetic samples are incorporated for training with real-world datasets in the proposed system. This a late fusion strategy using attention but the attention is over the modality cues which tries to select relevant modalities based on context. Experiment results on benchmark datasets (FER2013, RAVDEEDS, and IEMOCAP) show the effectiveness of our framework by achieving state-of-the-art performance with higher emotion classification accuracy, robustness and cross-domain generalization. It yields new information for the design of emotionally intelligent systems that are adaptive, inclusive and capable of engaging in an empathetic dialogue in real-world scenarios.

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Emotion Recognition, Generative AI, Multimodal Learning, Human-Centric AI, Synthetic Data

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PROBLEM STATEMENT "A study to assess social media addiction on academic performance among adolescents in selected secondary school of city." BACKGROUND OF THE STUDY: The rapid emergence of social networking sites like Facebook Twitter, Instagram and others lead to some significant changes in how people connect and communicate. Over use of social media has been leaked to various problem like decrease in sleep hours, lack of appetite for a long time and limited physical activity leading to obesity. It can also interfere with other aspects of daily life of an individual. The amount of time one spends using social media is associated with their academic performance. MATERIALS AND METHOD: The Research Method adopted for the present study was Non-experimental descriptive research design, which was quantitative research approach. Non-probability convenient sampling technique used. The study aimed at assessing social media addiction on academic performance among adolescents in selected secondary school of city. Sample size was 134 adolescents. Standardized Social Media Addiction Scale (SMAS) tool used for assessment of social media addiction among adolescents. RESULT In the present study, 35.07% of the adolescents were less addicted to social media. 34.33% of the adolescents were moderately addicted. In the present study shows the association of social media addiction score with academic performance of adolescents in selected secondary school of city. The calculated p =0.002 which was lesser than the acceptable level of significance i.e. 'p' = 0.05. Hence, it was interpreted that academic performance of adolescents in selected secondary school of city was statistically significant with their social media addiction score. p value-0.002 which was less than 0.05 standard deviation for social media addiction was 27.15 & academic performance was 1.92.

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"A STUDY TO ASSESS SOCIAL MEDIA ADDICTION ON ACADEMIC PERFORMANCE AMONG ADOLESCENTS IN SELECTED SECONDARY SCHOOL OF CITY."

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Abstract: In context of skin care Ayurveda recognize the significance of balancing the skin's water content and surface lipids. The objective of the project is to formulate and evaluate a moisturizing cream using Shata-Dhauta-Ghrita as a base. Shata-Dhauta-Ghrita is ayurvedic preparation, which hydrates the skin and prescribed for treatment of wounds, burns, scars and other skin problems. The lab made formulation was subjected to various evaluation including pH , spreadability, Homogeneity, consistency, Irritancy, sensitivity, bleeding and removal test, Microbial test and stability studies. The result shows that the lab made formulation was comparable to the marketed formulation in most parameters and better in some parameters, hence the formulation was found to be good quality. Three different water-in-oil (w/o) cream formulation (F1 to F3) were developed with varying concentration of ingredients. This formulation was evaluated for safety, stability. This study suggests that F1 formulation is more stable and safe.

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Key Terms - Shata-Dhauta-Ghrita, moisturizer, hydrating cream, wound healing.

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