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DETERMINANTS OF CREDIT RISK: EMPIRICAL EVIDENCE FROM INDIAN COMMERCIAL BANKS
Credit risk is a significant factor affecting the financial stability of banks. Keeping the credit risk under control is essential to maintain a banks cash flow. This paper examines the various profitability, microeconomic and macroeconomic indicators that affect a banks credit risk. The study uses the dataset of 31 banks from 2012 to 2021 and employs a panel data modelling approach to account for any variations in risk-taking behavior. The results revealed a statistically significant negative relationship between return on equity and credit risk when nonperforming loans proxy credit risk. This finding was consistent across fixed effect, random effect, and pooled OLS methods, at 1 percent significance (P value < 0.00), indicating that the extent of credit risk decreases as profitability increases. It was further found that bank age and ownership type positively affect a banks credit risk, while factors such as bank size and operational efficiency negatively affect credit risk when nonperforming loans proxy credit risk. Further, macroeconomic variables showed that gross domestic product is positively associated with credit risk, while inflation negatively affects credit risk. Overall, the findings of this paper demonstrated that credit risk is affected by both micro and macroeconomic factors. The paper also addresses significant policy implications as it helps various stakeholders to examine the determinants of credit risk, make credit decisions, and ultimately lower their credit risk. Tisa Maria Antony, Suresh G., 2023. -
Determinants of employee eco-initiatives in Indian hotel industry
Results of a questionnaire survey completed by 402 respondents who were all employees of hotels that have adopted eco-friendly practices showed that eco-initiatives are significantly and positively correlated to conservatism, commitment to the cause of the environment, and monetary rewards and recognition; significantly and negatively correlated to self-transcendence and environmental training; and bear no significant relationship with environmental communication and self-enhancement. Future research should consider the role of guests in promoting employee eco-initiatives. Copyright 2019 Inderscience Enterprises Ltd. -
Determinants of Equity Share Prices in India: A Panel Data Approach
The Romanian Economic Journal, Vol-15 (46), pp. 205-228. ISSN-1454-4296 -
Determinants of Financial Development in Top and Bottom Remittances and FDI Inflows Recipient Developing RegionsHow Does Institutional Quality Matter?
In this paper, we empirically examine the effects of remittances inflows, foreign direct investment (FDI) inflows, and institutional quality index on financial development index in the top (15 Europe and Central Asian countries) and bottom (29 Sub-Saharan African countries) remittances and FDI recipient developing regions using balanced panel data over the period 19842020. We used economic growth and government investment as control variables in the financial development function. The findings from the panel PMG-ARDL model indicate that inflows of remittances, FDI, and institutional quality stimulate (reduce) financial development in the top (bottom) region. This varying finding appears to be conditional on introducing institutional quality in financial development function as moderating factor. It finds that financial development is positively associated with remittance and FDI inflows in the presence of institutional quality as moderating channel for both the regions. Financial development is also significantly associated with economic growth in both regions. The mixed impact of domestic investment on financial development is found in both the regions. Our results are robust to the FGLS technique as an alternative econometric set-up. Interestingly, institutional quality reduces the weak effects of remittances and FDI inflows on financial development in the bottom region. Overall, our findings confirm the Mishkins (2009) economic globalization-led (i.e., remittances and FDI inflows) financial development hypothesis. The Author(s), under exclusive licence to Springer Science+Business Media, LLC, part of Springer Nature 2024. -
Determinants of Food Security in the Gulf Cooperation Council: A Cointegration Approach with an Autoregressive Distributed Lag Model
This paper examines the dynamics of the food import bill for the Gulf Cooperation Council (GCC) during the period 1980 2019 using a co-integration approach of the autoregressive distributed lag (ARDL) model. The study ascertains that the food market in the GCC is highly dependent on imports, which makes it vulnerable to any import disruption. The model confirms that there is a long-term relationship between the food import bill and its dynamics, with an adjustment rate of 37%, indicating that 37% of the deviations from the long-run path are corrected annually. The study demonstrates that in the long run, the food import bill was positively influenced by Gross domestic product (GDP) per capita, exports, inflation, global food prices, and regional instability and negatively influenced by the local production index. Population growth has a significant impact only in the short run. The implications of the findings were discussed, and a food security framework for the GCC has been developed. Engineered Science Publisher LLC 2023. -
Determinants of Hand Washing Practices among Adolescents in India Findings from CNNS Data, 2016-18
The study attempts to assess the effect of socioeconomic determinants on access to Good Handwashing Practices (GHP) among the adolescent population in India. The Comprehensive National Nutrition Survey (CNNS), 2016-18 dataset is used to identify the predictor and outcome variable for the study. Binary logistic regression established the adolescents age and sex, mothers schooling, wealth index, and the region as a significant predictor for GHP. The study revealed that gender, age, caste, education, individual household wealth, and the region has a significant association with adolescent hand-washing practices, where economic conditions drive the individual practice of handwashing more than the behavioural aspect. It requires government intervention to improve sanitation and water facilities to accelerate hand-washing among adolescents in India. 2022 Tata Institute of Social Sciences. All rights reserved. -
Determinants of health system efficiency in middle-east countries-DEA and PLS-SEM model approach
This study presented a radically different approach to efficiency evaluation based on the impact of the Socioeconomic and Behavioral health determinants framework on health outcomes for the countries of Middle-East region. The level of education, employment, and the percentage of the population living in the rural area constitutes the socioeconomic framework. The prevalence of tobacco smoking and alcohol consumption formed the behavioral framework. The model considers life expectancy at birth and mortality rate from non-communicable diseases as health outcomes. The econometric models of the PLS-SEM, the DEA, and the Malmquist TFP index are used to analyze the data. The DEA results highlight differences in the impact of socioeconomic and behavioral health determinants on health outcomes across the countries of the Middle-East region. Finally, evidence from the Malmquist TFP index shows an improvement in health production between the periods 20062017. Moreover, a substantial gap in efficiency is observed between economically prosperous countries and others who are less well-off. Furthermore, socioeconomic and behavioral frameworks positively impact life expectancy at birth. Similarly, the two frameworks have a negative impact on the mortality rate from chronic non-communicable diseases. A higher impact on health outcomes is observed in the socioeconomic as a behavioral framework in the model. The studys results have contributed to the policymakers, citizens, and the countrys government to compare the health system efficiencies across the middle-east region, which would help achieve the health outcome more efficiently. The Author(s) under exclusive licence to The Society for Reliability Engineering, Quality and Operations Management (SREQOM), India and The Division of Operation and Maintenance, Lulea University of Technology, Sweden 2023. -
Determinants of Internal Branding for Customer-Orientation
International Journal of Research in Commerce, IT & Management, Vol-4 (5), pp. 33-38. ISSN-2231-5756 -
Determinants of Loan Repayment Behaviour of Bank Borrowers - A Relative Study with evidence from Bengaluru
The present study aimed to review the various factorsthat influence the credit score and find the effect of credit score and other financial aspects of an individuals loan repayment and whether they had ever defaulted. Primary data was collected through a questionnaire from 516 customers of twelve different banks in Bengaluru city during July-August 2019 using a stratified sampling method. The results revealed that credit score, loan amount, and loan repayment amount did not affect the loan repayment behaviour of individuals. However, the type of loan obtained and the kind of bank the loan is received significantly influence individuals loan repayment behaviour. Home loans, education loans, other loans and the loan obtained from a foreign bank were particularly significant in affecting the loan repayment of individuals. The high beta value for other loans indicates that most individuals who have no other loans have defaulted in repaying their dues. Indian Institute of Finance. -
Determinants of Procrastination among young adults in their academics and professional lives
Procrastination is one of the most pervasive issues which exist in contemporary times among students and professionals. This research aims to understand the modern determinants of procrastination, including factors such as Fear of Missing out (FOMO), Social Zapping, and Sensation Seeking with Impulsivity as a mediator. Limited research has talked about these variables connection with one another. The study was conducted by collecting data from 294 young adults using convenience and snowball sampling with scales of the five variables in question. A mediation analysis was performed which concluded that FOMO has a significant effect on procrastination. Additionally, Social Zapping and FOMO showed a significant relationship with impulsivity. This suggests that FOMO is the key factor that leads to students and professionals choosing to procrastinate their academic/work-related activities in favour of other alternatives such as social or recreational activities. 2023 RJ4All. -
Determinants of Quality of Life in Women with Breast Cancer: A Systematic Review
The morbidity and mortality rates associated with breast cancer are a major public health concern globally. The resulting impairment in the patients quality of life (QOL) affects their health, symptoms, and well-being in physical, social, psychological, environmental, and sexual functioning. The aim of this study was to systematically review the literature addressing the determinants of QOL in breast cancer patients. A search of 6 electronic medical databases was undertaken. Employing a rigorous systematic protocol, eligible articles were analyzed and a total of 22 studies that met all eligibility criteria were included in the systematic review. The total sample size was 7,041 women ranging from 30 to 66 years. The determinants of QOL were found to cluster into 10 areas. These include the degree of pain, type and stage of cancer treatment, medical health, cognitive and behavioural factors, emotional health, physical activity and appearance, social factors, age and menopausal status, education and employment status, and ethnicity and religion. The types of breast cancer treatment and psychological parameters were the most common determinants of QOL in breast cancer patients. These insights can help formulate proactive interventions that can be used by patients, caregivers, and healthcare professionals to build protective capacities and alleviate challenges to ensure superior quality of life in women with breast cancer. 2022,Journal of International Women''s Studies. All Rights Reserved. -
Determinants of renewable stock returns: The role of global supply chain pressure
This study investigates the determinants of the global renewable stocks index returns from November 2003 to August 2022. The explanatory variables include global supply chain pressure measures, climate policy uncertainty, global economic activity, and crude oil prices. The long-run panel dynamic Autoregressive Distributed Lag estimations show that the global supply chain pressure, climate policy uncertainty, and global economic activity redound renewable stock returns. These results are robust enough to utilise different long-run estimation techniques. Potential policy implications are also discussed. 2023 The Authors -
Determination of Discharge Distribution in Meandering Compound Channels Using Machine Learning Techniques
Accurate flow rate prediction is essential to analyze flood control, sediment transport, riverbank protection, and so forth. The flow rate distribution becomes even more complicated in compound channels due to the momentum transfer between different subsections across the width of the channel. Conventional channel division methods estimate flow distribution at the main channel and floodplains by assuming a division line with zero apparent shear stress. The article attempts to develop a model to calculate the percentage of discharge in the main channel (%Qmc) using techniques such as Group Method of Data Handling - Neural Network (GMDH-NN) and gene-expression programming (GEP) by incorporating the effects of various geometric and hydraulic parameters. The paper proposes a modified channel division method with a variable-inclined interface, with zero apparent shear force distribution at the channel subsections according to the statistical indices employed to assess these models' performance in predicting %Qmc. This variable-inclined interface changes its slope according to the channel parameters. The model's effectiveness is verified by validating with experimental observations by conventional analytical methods. 2021 American Society of Civil Engineers. -
Determination of heavy metals in various tissues of locally reared (country) chicken in major districts of Karnataka, India: Assessment of potential health risks
Food is one of the most prevalent ways that humans are exposed to metals. Heavy metals including cadmium, iron, zinc, lead, and mercury are harmful to humans and have a detrimental impact on health because they accumulate in biological organs. The concentration levels of these heavy metals were tested in different edible parts of the country (locally raised) chicken from various districts in Karnataka, India, namely Bengaluru, Tumakuru, Mangaluru, and Udupi, using an Atomic-Absorption Spectrophotometer (AAS). Heavy metal concentrations in various chicken parts were found to be below detectable limits (BDL)-0.0062, 0.027-3.178, and 0.262-2.103 ppm for Cd, Fe, and Zn, respectively, whereas Hg and Pb were BDL. The content of Zn was found to be significantly higher in all chicken samples from all examined districts, followed by Fe and Cd. Hg and Pb concentrations, on the other hand, were below the detection level in all samples. The estimated daily intakes (EDIs) of the observed metals from country chicken consumption were found to be lower than their respective FAO/WHO reference oral doses (RfD). The non- carcinogenic health hazards posed by the tested metals to the target population were estimated using the Hazard Quotient (HQ) and Hazard Index (HI) values. The HQ and HI values observed in this estimation were less than one, indicating that exposure to these heavy metals through the consumption of country chicken is unlikely to provide possible health concerns to the examined regions human population. 2023, Universidade Federal do Parana. All rights reserved. -
Determination of stress on turbine generator shaft due to subsynchronous resonance using finite element method
Power Capacitors plays a vital role in reactive power compensation. When the capacitors are connected to the transmission line, it improves the reactive power. Although the reactive power is improved, there is a possibility for sub synchronous resonance created by this capacitors in the transmission line which can impact the generator frequency. The sub synchronous resonance causes electro-mechanical stress in the generator shaft which ultimately leads to malfunction of the entire power generating unit. It is necessary to find out operating modes of the generator and turbine when the line is compensated with capacitors. Once the operating modes are clear, it is possible to damp the sub synchronous resonance. In this paper, three phase generator is coupled with a prime mover and capacitors are connected before the load. The stress on the turbine is analysed based on the torque of two rotating machines. Finite element method is used to estimate the stress in the turbine generator shaft system. 2006-2019 Asian Research Publishing Network (ARPN). -
Determination of thallium in environmental samples by surfactant assisted dispersive liquid-liquid microextraction combined with first order derivative spectrophotometry /
European Journal Of Chemistry, Vol.6, Issue 2, pp.420-425, ISSN No:2153-2257 (Online) 2153-2249 (Print) -
Determination of the size of the dust torus in H0507+164 through optical and infrared monitoring
The time delay between flux variations in different wavelength bands can be used to probe the inner regions of active galactic nuclei (AGNs). Here, we present the first measurements of the time delay between optical and near-infrared (NIR) flux variations in H0507+164, a nearby Seyfert 1.5 galaxy at z = 0.018. The observations in the optical V-band and NIR J, H, and Ks bands carried over 35 epochs during the period 2016 October to 2017 April were used to estimate the inner radius of the dusty torus. From a careful reduction and analysis of the data using cross-correlation techniques, we found delayed responses of the J, H, and Ks light curves to the V-band light curve. In the rest frame of the source, the lags between optical and NIR bands are found to be 27.1-12.0 +13.5 d (V versus J), 30.4-12.0 +13.9 d (V versus H) and 34.6-9.6 +12.1 d (V versus Ks). The lags between the optical and different NIR bands are thus consistent with each other. The measured lags indicate that the inner edge of dust torus is located at a distance of 0.029 pc from the central ultraviolet/optical AGN continuum. This is larger than the radius of the broad line region of this object determined from spectroscopic monitoring observations thereby supporting the unification model of AGN. The location of H0507+164 in the ?-MV plane indicates that our results are in excellent agreement with the now known lag-luminosity scaling relationship for dust in AGN. 2018 The Author(s). -
Determining the Impact of Adapted Yoga Training on Physical Functioning in Students with Mild Intellectual Disability
Background. Individuals with mild intellectual disability (ID) often encounter challenges in physical functioning, impacting their overall well-being and quality of life. Traditional exercise programs may not always be accessible or effective for this population due to various barriers. Adapted yoga programs have emerged as a promising alternative, offering tailored interventions to address the unique needs of individuals with ID. Objectives. The study aimed to close this gap by examining the effect of a structured, modified yoga programme on factors related to physical functioning. Materials and methods. A total of 40 students with mild ID, aged between 11 and 15 years, were selected from Special Schools in Coimbatore, Tamil Nadu. A quasi-experimental design was used in this study. The participants were divided into an experimental group undergoing an 8-week adapted yoga program and a control group maintaining regular activities. Physical function parameters were assessed using standardized tests measuring cardiorespiratory endurance, muscular strength and endurance, flexibility, body composition, and balance. The adapted yoga program, conducted by qualified instructors, comprised 8 weeks of sessions, 5 days a week, each lasting 45 to 60 minutes. Statistical analyses confirmed the normal distribution of data and employed paired sample t-tests to assess pre-and post-test differences, with SPSS version 20.0 used for analysis, setting the significance level at 0.05. Results. After undergoing 8 weeks of adapted yoga training, the results showed a significant improvement in the upper body strength (p < 0.04), lower body strength (p < 0.001), core strength (p < 0.002), flexibility (p < 0.00), and static balance (p < 0.00). However, there was no significant difference in body fat and cardiorespiratory endurance between adapted yoga training. Conclusions. This study highlights the potential of adapted yoga programs as an intervention for improving physical functioning in students with mild ID. These findings indicate that the imlementation of adapted yoga can be a valuable and accessible intervention for enhancing physical functioning in this population. Yuvaraj, D., Dibakar, D., Prem, K. G., Aravindh, M., Ramesh, A. J., & Alphi, G. S., 2024. -
Deterministic, Stochastic, and Deep Learning Approaches to Understand the Economic Fluctuations in India
In the present work, a new mathematical framework is proposed for studying the interrelation among population growth rate, GDP, inflation rate, and unemployment rate within deterministic and stochastic frameworks. The values of the parameters of the proposed model are estimated using real data from India. The local and global uniqueness of solutions is established for the stochastic model. The deterministic model is solved by using the Adams-Bashforth-Moulton predictor-corrector method, and Milstein's method is used for solving the stochastic model. Numerical simulations correlated quite strongly with observed data, while projections for the 20242030 period indicate that controlled population growth bodes well for the outlook of the economy for India, supporting economic prosperity alongside reduced inflation and better employment conditions. The findings presented in this work are correlational; therefore, to find the possible cause for this phenomenon, further research is required with detailed datasets. Comparing our model's GDP predictions with that obtained using a long short-term memory recurrent neural network model returned very high values of predictive accuracy, thus reinforcing the strength and reliability of our framework. 2025 John Wiley & Sons Ltd. -
Detrimental effects of microplastics in aquatic fauna on marine and freshwater environments A comprehensive review
The world is ever evolving and new technologies are popping up everywhere. New inventions and discoveries have created a better world, but not a sustainable one. The whole earth is drowning in various pollutants and garbage. Plastic pollution has garnered sufficient attention and there are various teams and organizations working toward cleaning our beaches, parks, and environment. However, all these actions will not suffice as plastics have trickled down into microplastics, which are posing a greater threat to our water systems and aquatic fauna. Several ongoing researches focus on marine microplastics, while only 13% of studies are on freshwater. Research on microplastics is now on the rise, with new strategies and restrictions being put into place to curb its accumulation in our marine and freshwater environments. In a recent study, microplastics were found to be present in human blood with. Out of 22 people tested, 17 test subjects had microplastics present in their blood. This review focuses on the adverse effects of microplastics in marine and freshwater ecosystems, with special focus on aquatic fauna. 2023 Jaikumar, et al.