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An Efficient Machine Learning Classification model for Credit Approval
Credit authorization is a critical step for banks as well as every bank's main source of revenue is its line of credit. Thus, banks can profit from the loan interest they approve. Profitability or lost opportunity of a bank is highly dependent on loans that are whether consumers repay the debt or refuse. Loan collection is a significant factor in a bank's economic results. Forecasting the customer's ability to repay the loan in order to determine whether it should authorize or deny loan documents is a significant undertaking and a critical method in data analytics is being utilized to investigate the problem of loan default prediction: On the premise of assessment, the Logistic-Regression Classification Model, Random-Forest Classifier and Decision Tree Classification Models are compared. The mentioned classification algorithms were created as well as subsequently various evaluation metrics were obtained. By utilizing a suitable strategy, the appropriate clients for loan providing may be simply identified by assessing their probability of non-performing loans. This indicates that a bank really shouldn't simply prioritize wealthy consumers when giving loans, but it should also consider a client's other characteristics. This approach is critical in making credit judgments and forecasting default risk. 2023 IEEE. -
Star formation in a massive spiral galaxy with a radio-AGN
We present an analysis of new VLT/MUSE optical imaging spectroscopic data of 2MASX J23453268-0449256 (J2345-0449), a nearby (z = 0:0755) massive (Mstellar = 4*1011 M) spiral galaxy. This is a particularly interesting source for a study of active galactic nucleus (AGN) feedback since it hosts two pairs of bright, giant radio jets and a massive, luminous X-ray halo, but it has no massive bulge. The galaxy has a 24 kpc wide ring of molecular gas, and a source-averaged star formation rate that is factors 30 to 70 lower than expected from the Kennicutt-Schmidt law. With MUSE, we have analyzed the stellar continuum and bright optical line emission and have constrained the spatially resolved past and present star formation on scales of approximately 1 kpc. More than 93% of the stellar mass formed ?10 Gyrs ago including in the disk. Optical emission from the AGN is very faint and contributes 2% of the continuum around the nucleus at most. Most line emission is predominantly excited by shocks and old stellar populations except in 13 young star-forming regions that formed ?11 Myrs ago, of which only seven are associated with the molecular ring (the others are at larger radii). They avoid a region of high electron densities aligned with the radio source, and form stars at efficiencies that are comparable to those in normal spiral galaxies. We discuss the implications of our findings for the regulation of star formation in galaxies through AGN feedback in the absence of competing mechanisms related to the presence of a massive stellar bulge, such as morphological quenching. The Authors 2023. -
Drama and organisational culture: an exploration of Aristotles Poetics as a conceptual dramatic framework in the design of organisational culture
Purpose: The paper draws extensively from Aristotles Poetics, a classical work on the aesthetics of drama. Drawing from symbolic and thematic elements from folklore and mythology, this paper aims to illustrate how the Poetics can be referenced as an allegorical device in the design of culture-building strategies and interventions. Design/methodology/approach: This exploratory paper examines Aristotles Poetics and the range of creative expression this literature provides as a conceptual design framework for the development of a culture map in creating a distinctive organisational mythology. The Poetics articulates an Aristotelian perspective on theatre which infuses itself as a new language in offering structural and archetypical plot devices in the development of an organisational narrative. Findings: Findings from this explorative study can provide a creative roadmap to culture practitioners and leaders, to be used as a determining reference point in developing culture maps and change management interventions. Practical implications: Poetics has its detractors, notably Bertolt Brecht and Augusto Boal. Boal examines how Poetics promotes a narrative that suppresses free thinking and encourages a cult of feudal personality, therefore encouraging industrial and cultural oppression, which he rebelled against through the development of his Theatre of the Oppressed. This new kind of theatre discarded the Aristotelian model of thinking. Ideas proposed in the Poetics may also lend verisimilitude to the propagation of obsessive consumerism through the definitive symbolism it offers in the development of institutionalised personality cults. Originality/value: The Poetics as a creatively driven reflexive study provides a forward movement in the study of culture design templates. Its definitive allegorical devices and metaphors act as action principles through which an enterprise culture and its value system can be examined and developed. 2024, Emerald Publishing Limited. -
An Introduction to ?Agile for HR Through? the Development of ?an Agile Operating ?Mindset
An understanding of Agile principles and a readiness mindset for human resources professionals play a crucial role in determining the application of Agile for HR in an organisational context. With the rise in extended and non-linear workforce configurations and geo-neutral team arrangements, Agile organisations necessitate that the nature of the HR function evolve from working through traditional architectural models and quickly adopting Agile models of functional excellence. The dearth of literature on understanding and implementing Agile practices in the HR function within enterprises requires a clear examination of the advantages of going Agile for HR. This essay explores the intuitive concept of Agile HR and operating schema, which can develop as a starting point in examining an understanding of how Agile practices in HR can evolve for sustainable enterprises and some challenges that are encountered. The Author(s) 2024. -
CABiT Cabs Radhikas Dilemma
The focus of this case is the human resources management challenges faced by the Chief Human Resources Officer (CHRO) at CABiT Cabs. This case discusses the CHROs dilemma in resolving the challenges. CABiT Cabs operations and expansion are discussed to provide students an overview of the dynamics and challenges of the radio taxi business. In addition, this case explores the weakness in the CABiT business model and the challenges on the human resources front. The case extensively discusses the dynamics of a start-up and the pressures faced by the top management. Finally, the options available to the protagonist to address the challenges are discussed. The dilemma faced by the protagonist in her career front is also discussed in this case. 2024 by World Scientific Publishing Co. and Asia Academy of Management. -
Positive psychology in individual wellness: a thematic illustration of drama as a therapeutic framework in identity transformation
Purpose: The language of participative theatre can be considered immersive in the treatment of its dialectics where participants engage fully with their dichotomies and value systems through physical and psychological exploratory processes as they commit themselves to transformation. Design/methodology/approach: The use of drama as an intervention for challenging recurring mental models of oppressive narratives is used extensively in experiential psychotherapy and as a socio-psychological integrative tool. This experiential methodology allows for an organic development and expression of themes and motifs by encouraging a participant to develop a deeper awareness of how he/she interprets their identity and that of the community in which they function. Findings: This paper aims to review the implications of applying drama-based interventions as positive psychotherapeutic devices to facilitate self-reflection and active-constructive responding in enabling a rendering of positive patterns of thought and purposeful movement towards emotional and physical well-being. Practical implications: Research on the principles of positive psychology suggests that positive emotions lead to therapeutic change. Nurturing positive emotions which are immanent in spirituality, creativity and optimistic perseverance through autonomy and self-regulation enable individual potential to come to meaningful fruition. Originality/value: The paper conceptualizes psychodrama as a framing technique in enabling reflexive action in identity transformation and well-being. 2024, Emerald Publishing Limited. -
An approach to finding customer-value and devising marketing strategies by using data-mining techniques
The digital marketing space is an outcome of the advent of digital age and the booming network technology. The earlier methods of marketing have almost been eclipsed with this digital marketing, which could include any material, information, videos on the internet and social media, etc. The marked distinction between a digital and traditional marketing is that the former uses digital devices in the traditional space. People today consume innumerable products daily and getting to know the customer's interests, their transaction's history, identifying a loyal customer and estimating their lifetime value are all at the very heart of digital marketing. It is here, in this context, that data mining techniques play a key role. This unique blending of data mining techniques with digital marketing will help merchants increase their sales and revenue exponentially. This research paper explores the possibility of finding the frequent item-set generated by a customer while making purchases, tracking their loyalty based on the number of purchases and their frequency and thereafter devising an appropriate marketing strategy for that particular product type. It is the analysis of the product based on the previous marketing experiences of the consumer. This system will boost a merchant's businesses by identifying their loyal customers (customer segmentation), best sold products (product recommendation) and reveal the different marketing strategies that can be adopted by them to reach out to their potential customers and thus increase their sales (Strategy selection/combination). IAEME Publication. -
Public-Private Partnership Ventures: A Diasporic Initiative in India Through Social Remittances and Philanthropic Work
Diaspora networks across the globe think of their homeland, which makes them continuously assist various projects that have public-private partnership ventures. Many of the members of the Indian diaspora had difficult times during their childhood in their native country. The conditions were not favorable within India prior to Indian Independence for acquiring desired skills in entrepreneurial activities. However, they managed to sail through the rough sea and reach the western coast in great adversity. The journey itself was a training for the early diaspora that resulted in learning the skills needed for setting up their business in the adopted countries. Indian diaspora from various developed countries have learned a great deal about the local culture, new skills in business partnership, consultancy services, research and innovations in technology that helped them to prosper in the adopted land and implement those ideas in their home country as a part of social remittances and giving back to the society. Developed countries have exhibited the feasibility of sustainable development through social entrepreneurship. Compulsory community service that trains people in new skill development also educates them in preserving the environment in which they reside. The public-private partnership model, which is in practice in developed countries, has become the agent of creation of social entrepreneurship with accountability toward the society. Diaspora communities that send social remittances to their home countries not only in the form of money but also ideas, identities and behaviors help set up public- private models of undertakings that would ensure sustainable growth in the long run. Philanthropic work is reckoned in the Public-Private Partnership (PPP) model that we see in various parts of India, especially in states like Punjab (Sikh diaspora), Kerala (Malayali diaspora) and Gujarat (Gujarati diaspora). In this background, this chapter tries to examine the Indian diasporas schemes in India on the model of public-private partnership that they had either set up or observed in their adopted countries. This chapter also looks into how far diaspora remittances in totality help mitigate the existing problems in Indian villages, create new job opportunities for the local population, manage skill development centers and educate the masses in preserving the environment that would help in sustainable development through social entrepreneurship. 2024 by World Scientific Publishing Co. Pte. Ltd. -
Construction of Prime Time Television News Discussions
Studies in the western context have shown consistent observations of Television News being one of their prime modes of news and current affairs in the past. In India, watching the news has been an age-old requirement, for many reasons. English news in a non-native English-speaking country like India has encouraged citizens to learn the language, engage in focused viewership and rely on Television news for stories, news, views, and the episodic reality. Ever since news reception was transitioned to the realm of social media and new media, Television prime time news strived to be in the limelight. To understand the existence of prime time news, the study focused on two objectives : to identify constituents of communicative techniques framed in prime time news discussions of Indian English Television News Channels and to establish the role of prime time News Discussions as creators of complex news narratives. With the help of Critical Discourse Analysis (CDA) as the umbrella theory, Multimodal Discourse Analysis (MDA), and Stuart Hall s Encoding and Decoding, the research progressed to understand the ways and means to analyse news. Each of the episodic news presentations from 5 December 2017 to 13 December 2017 pertaining to prime-time news debates of Republic TV and Times Now were used. were analysed using a qualitative method of textual analysis. The manifestation of all cues on the screen were deconstructed to comprehend their existence. Each episode was connotatively derived to understand conversations and use of graphics. There are multiple findings under each of the units. On understanding the manifestation and intermingling of various units of analysis with each other, it was unanimously concluded that polarization of opinions is the key to engage a concise news narrative of the day. Whilst important news is not the source, political debates, underestimation, and complex visualization enhance the brand name of the news channel. -
Covid-19 pandemic: How do the family businesses in India cope with the crisis?
The Covid-19 pandemic brought about a major economic breakdown throughout the world due to the shutting down of businesses and organizations. Covid-19 took a toll on India also, the second-most populous country. In India, family-run businesses are the deep-rooted, oldest, and most widespread form of business ownership. Most family businesses, while keeping the welfare of their customers, employees, and communities in mind, have resorted to remote work and halting non-essential work. The government of India took measures mainly consisting of an increased moratorium period, corporate tax cuts, lower interest on delayed tax payments, extension in return filing deadline, and other policy decisions. This study discusses the impact of Covid-19 on family businesses and how family businesses cope with the shock to the system. In addition, it covers innovative and strategic solutions adopted by the family businesses as a shield to their business against the impact of the crisis and to grow progressively overcoming the pandemic situation. 2023, IGI Global. -
Cybersecurity Threats Detection in Intelligent Networks using Predictive Analytics Approaches
The modern scenario of network vulnerabilities necessitates the adoption of sophisticated detection and mitigation strategies. Predictive analytics is surfaced to be a powerful tool in the fight against cybercrime, offering unparalleled capabilities for automating tasks, analyzing vast amounts of data, and identifying complex patterns that might elude human analysts. This paper presents a comprehensive overview of how AI is transforming the field of cybersecurity. Machine intelligence can bring revolution to cybersecurity by providing advanced defense capabilities. Addressing ethical concerns, ensuring model explainability, and fostering collaboration between researchers and developers are crucial for maximizing the positive impact of AI in this critical domain. 2024 IEEE. -
A novel survey for young substellar objects with the W-band filter IV: detection and characterization of low-mass brown dwarfs in Serpens Core
We present spectroscopic confirmation of nine M5 or later Serpens Core candidate members, identified using a combination of CFHT WIRCam photometry and IRTF SpeX spectroscopy. Through spectral fitting, we find that the latest of these nine candidate members is best fit by an L0 spectral standard (in the range of M8L2), implying a mass of ?0.010.035M?. If confirmed as a cluster member, this would be one of the lowest mass Serpens Core objects ever discovered. We present analysis of the physical properties of the sample, as well as the likely membership of the candidate Serpens Core members. 2023 The Author(s) Published by Oxford University Press on behalf of Royal Astronomical Society. -
A novel survey for young substellar objects with the W-band filter III: Searching for very low-mass brown dwarfs in Serpens South and Serpens Core
We present CFHT photometry and IRTF spectroscopy of low-mass candidate members of Serpens South and Serpens Core (?430 pc, ?0.5 Myr), identified using a novel combination of photometric filters, known as the W-band method. We report SC182952+011618, SS182959-020335, and SS183032-021028 as young, low-mass Serpens candidate members, with spectral types in the range M7-M8, M5-L0, and M5-M6.5, respectively. Best-fitting effective temperatures and luminosities imply masses of < 0.12M? for all three candidate cluster members. We also present Hubble Space Telescope imaging data (F127M, F139M, and F850LP) for six targets in Serpens South. We report the discovery of the binary system SS183044-020918AB. The binary components are separated by ?45 AU, with spectral types of M7-M8 and M8-M9, and masses of 0.08-0.1 and 0.05-0.07 M. We discuss the effects of high dust attenuation on the reliability of our analysis, as well as the presence of reddened background stars in our photometric sample. 2021 The Author(s). -
Synthesis and physico-chemical characterization of ZnS-based green semiconductor: A review
One-dimensional (1D) semiconductor nanostructures have been attracting a great deal of attention because of their excellent electronic and optoelectronic performance. Zinc sulfide (ZnS) nanostructures have attracted increasing attention because of their potential application in both conditional optical devices and new generation of green nanostructure semiconductors because of their special structure-related physical and chemical properties. Synthetic form of ZnS can be transparent, and it is used as a window for visible optics, infrared optics, and functional materials. In this chapter, the detailed studies of synthesis, characterization of crystals, and noncrystalline behavior is reported. The crystal structure of semiconductor and its morphological studies are compared and fabrication methods will be described. The major parameters that influence on ZnS doped with metal ions and rare earth ions and its optoelectronic properties will be carefully analyzed. In addition, the primary application of ZnS micro- and nanocrystals will be described. At the end, the predicted future applications and development directions of doped and undoped ZnS nanocrystals will be given. 2023 Elsevier Ltd. All rights reserved. -
Thermoluminescence glow curve analysis and trap parameters calculation of UV-induced La2Zr2O7 phosphor doped with gadolinium
Thermoluminescence (TL) glow curve analysis and calculation of trap parameters are reported for gadolinium (Gd3+)-doped La2Zr2O7 (LZO) phosphor. Phosphors were prepared by modified solid-state reaction method with varying concentration of Gd3+ (0.12.5mol%) including proper calcination and sintering temperature. Structural analysis of prepared phosphor for optimized TL concentration was recorded by X-ray diffraction analysis technique. Morphology was analyzed by scanning electron microscopic technique. The UV ray induced to the phosphor and effect of dose response recorded for variable dose rates of UV and TL glow curve were observed. The experimental and theoretical comparison was done by computerized glow curve deconvolution technique which determines the trap parameters such as trap depth, order of kinetics, and frequency factor for optimized concentration of dopant. The trap parameters and trap model are discussed in detail. 2019, Springer Science+Business Media, LLC, part of Springer Nature. -
An analysis on direct authentication of data
Authentication is the procedure which permits a sender and receiver of data to validate each other. On the off chance that the sender and receiver of data can't legitimately confirm each other, there is no trust in the activity or data gave by either party. This paper talks about where and when can the service providers use the various authentication models adopted and the comparison between two authentication models. 2017 IEEE. -
Analysis of supervised and unsupervised technique for authentication dataset
Traditional methods of data storage vary from the present. These days data has become more unstructured and requires to be read contextually. Data Science provides a platform for the community to perform artificial intelligence and deep learning methodologies on large volumes of structured and unstructured data. In the era of artificial intelligence, AI is showing it's true potential by addressing social causes and automation in various industries such as automobile, medicine and smart buildings, healthcare, retail, banking, and finance service are some of the deliverables. From a variety of sources and flooding data, AI and machine learning are finding real-world adoption and applications. The nature of the data models is trial and error and is prone to change with their discoveries for the specific problem and this is the case with the different algorithms used. In this paper, we apply machine learning algorithms such as unsupervised learning k-means, bat k-means and supervised learning decision tree, k-NN, support vector machine, regression, discriminant analysis, ensemble classification for data set taken from UCI repository, phishing website, website phishing, Z- Alizadeh Sani and authentication datasets. Authentication dataset is generated for testing Single Sign-on which learns from data by training to make predictions. 2018Rahul K. Dubey, P. K. Nizar Banu. -
Journeying through the Indian railways in around India in 80 trains (2012) by monisha rajesh and chai, chai: Travels in places where you stop but get never off (2009) by bishwanath ghosh
An Indian train is a space that exemplifies a true sense of transient cultural pattern as it travels through different states of India constantly assimilating people of diverse cultures. In this liminal space, a passenger travels from known to unknown in terms of geography, culture, language, cuisine, sartorial configuration and psychological makeup. Indian Railways offers an insightful analysis of cohabitation - the conflict and the coexistence of people amidst cultural differences.An Indian train is an exemplar of an accurate secular structure, blurring the lines of discrepancies based on religion, caste, gender, sex and sexuality. Prejudices that are evident in spaces relatively marked by certain spatial permanence dilute in a train. A provisional spatial arrangement of a train therefore questions the idea of tolerance and intolerance compared to that of permanent arrangement. As the Indian train incorporates people of all ages and territories, the train is a specimen of the concept of Bakhtinian polyphony, wherein the dialogues occurring between passengers represent varied consciousness. Thus, a train travelogue encompasses unmerged voices, each carrying a unique conscious design. The people travelling in an Indian train are separated on one single ground: economy. Therefore, economic factor becomes an overarching pattern of base to assign a certain culture in a superstructure to each class and each offers a unique perspective to the travelogue. This paper will analyze the trope of the train in two Indian travelogues based on culture, Marxist economic structure, Bakhtinian concept of polyphony, secularism and the idea of tolerance. AesthetixMS 2020. This Open Access article is published under a Creative Commons Attribution Non-Commercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits non-commercial re-use, distribution, and reproduction in any medium, provided the original work is properly cited. For citation use the DOI. For commercial re-use, please contact editor@rupkatha.com. -
Rare-earth-activated phosphor for laser lighting
The chapter describes that Y2Ba3B4O12 doped with europium ions were synthesized by a modified conventional solid-state reaction method. The formations of the phosphor crystal structure are confirmed via the X-ray diffraction technique. The luminescence measurement upon excitation in ultraviolet and emission in visible range shows the characteristics of Eu3+ excitation and emission. The occurrence of the charge transfer band is explained in detail. The emission spectrum of Eu3+ ions consists mainly of several groups of lines in the 550-725nm region, due to the transitions from the 5D0 level to the levels 7FJ (J=0, 1, 2, 3, 4) of Eu3+ ions. The phenomena of concentration quenching are explained on the basis of electron-phonon coupling and multipolar interaction. The purity of the red emission is also checked, and it makes Eu3+-doped poly-borate-based phosphor as a promising candidate for laser lighting application. 2022 Elsevier Inc. All rights reserved. -
Spectroscopic parameters of red emitting Eu3 +-doped La2Ba3B4O12 phosphor for display and forensic applications
Eu3+-activated La2Ba3B4O12 (LBBO) phosphor was synthesized by the solid-state reaction method. LBBO phosphors characterized by structural analysis (X-ray diffraction), including refinement parameters and crystallite size, morphological analysis by (Scanning Electron Microscopy and Transmission Electron Microscopy). Photoluminescence (PL) studies of synthesized phosphors monitored in the range of 450-675 nm for the LBBO phosphor doped with Eu3 +. An excitation peak was found at 254nm and several sharp emission peaks were found around 466, 541, 588, 593, 613, and 626nm with high intensities. The crystallite size of the Eu3 +-doped LBBO phosphor was around 126nm. It is found that the intense emission peak is in the red region. The detailed processes involved and a possible mechanism for the PL are studied and discussed. The phosphor can also be used in forensic science to detect fingerprints. 2021 Elsevier Ltd All rights reserved.