hemali shah | Gujarat University (original) (raw)

Papers by hemali shah

Today banks play a vital role in the economy of any Country. By opening branches at various unban... more Today banks play a vital role in the economy of any Country. By opening branches at various unbanked and under banked regions of the economy, banks provide opportunity to save to the public. The higher the number of the bank branches in the economy, the higher will be the amount of deposit mobilization ceteris paribus. Rapid economic development pre suppose rapid expansion of commercial banks. Initially, the banks were conservative and opened offices (branches) mainly in Metro Politan cities and other major cities. But after nationalization of banks, the expansion of bank offices gained momentum. Using the relation between population size, per capita income and other important variables, an attempt has been made to fit the model for bank offices for Gujarat, some other selected states and India at national level using the data for the period 2000 to 2008. For majority of the states and India, log reciprocal model is found to be appropriate with X2= per capita NSDP at current price a...

Indian Journal of Applied Research, 2011

We have collected data from different laboratories and doctors from Vadodara. But following point... more We have collected data from different laboratories and doctors from Vadodara. But following points should noted before making any general statement from the findings of the present study.  Very few observations are from free check up camp. Majority of the data are due to the suggested blood test following some health problems.  For many cases observations were given as > some value, in those cases for the sake of analysis we have taken next integer value as the observed value, therefore instead of mean we suggest to observe median as the measure and hence for inference nonparametric techniques are used.  In the data set, sex is mentioned as only male and female, so child category is prepared from male and female whose age is less than 15 years. Hypothesis: (1) there is no statistically significant difference between age wise D3 level for IOM, Indian lab as well as US Endocrine limits. (2) there is no statistically significant difference between sex wise D3 level for IOM, Indian lab as well as US Endocrine limits. Major findings:  For population of Vadodara using 95% confidence interval through IOM limits (non parametric) it is estimated that 64.7% to73.24% persons will be below sufficient level, 64.29% to 75.27% females will be below sufficient level, 61.45% to 75.72% males will be below sufficient level and 37.00% to 88.56% children will be below sufficient level of D3. As per the age group analysis 68.58% to 78.58% Adults will be below sufficient level and 46.94% to 64.32% senior citizens will be below sufficient level of D3.  For population of Vadodara using 95% confidence interval through Indian lab limits (non parametric) it is estimated that 79.7% to 86.93% persons will be below sufficient level, 78.99% to 88.28% females will be below sufficient level, 77.49% to 89.59% males will be below sufficient level and 53.24% to 96.86% children will be below sufficient level of D3. As per the age group analysis 82.38% to 90.86% Adults will be below sufficient level and 66.51% to 81.24% senior citizens will be [...]

Journal of Evolution of Medical and Dental Sciences

BACKGROUND Laparoscopic cholecystectomy is difficult in acute cholecystitis because the gall blad... more BACKGROUND Laparoscopic cholecystectomy is difficult in acute cholecystitis because the gall bladder is usually thick walled and tensely distended. If the inflammation of the gall bladder extends to the porta hepatis the dissection becomes difficult. The normally thin minimally adherent tissue that invest the cystic duct and artery is markedly thickened and oedematous and may not readily separate from these structures with the usual blunt dissection technique. The duct wall also may be oedematous, thus making its external diameter similar to gall bladder neck and common bile duct. Moreover, operative difficulty substantially increases with time. It is believed that laparoscopic cholecystectomy in acute cholecystitis is having more operative time, more conversion rate and more chance of injury. METHODS We did an observational study to determine the safety, benefits and drawbacks of laparoscopic cholecystectomy within 72 hours of symptoms (and beyond that). RESULTS Total 325 patients underwent laparoscopic cholecystectomy in acute cholecystitis. Among them 110 patients were operated within 72 hours of appearance of symptoms while 215 patients were operated upon after 72 hours of appearance of symptoms. The mean duration of surgery was significantly (p< 0.001) less in early surgery group. There was no conversion. There was no serious intra operative complication (injury) in early group. There was no statistically significant post-operative complication in either group. Post-operative stay was significantly less (p<0.004) in early laparoscopic cholecystectomy group. Period of return to work was also significantly less (p<0.001) in early group. CONCLUSIONS Early (within 72 hours of appearance of symptoms) laparoscopic cholecystectomy can be safely advocated in patients of acute cholecystitis. It does not result in increased conversion rate or increased intra operative complication. Moreover it offers benefits shorter post-operative hospital stay and early return to work than laparoscopic cholecystectomy after 72 hours of appearance of symptoms.

Journal of Evolution of Medical and Dental Sciences, Dec 30, 2019

BACKGROUND Laparoscopic cholecystectomy is difficult in acute cholecystitis because the gall blad... more BACKGROUND Laparoscopic cholecystectomy is difficult in acute cholecystitis because the gall bladder is usually thick walled and tensely distended. If the inflammation of the gall bladder extends to the porta hepatis the dissection becomes difficult. The normally thin minimally adherent tissue that invest the cystic duct and artery is markedly thickened and oedematous and may not readily separate from these structures with the usual blunt dissection technique. The duct wall also may be oedematous, thus making its external diameter similar to gall bladder neck and common bile duct. Moreover, operative difficulty substantially increases with time. It is believed that laparoscopic cholecystectomy in acute cholecystitis is having more operative time, more conversion rate and more chance of injury. METHODS We did an observational study to determine the safety, benefits and drawbacks of laparoscopic cholecystectomy within 72 hours of symptoms (and beyond that). RESULTS Total 325 patients underwent laparoscopic cholecystectomy in acute cholecystitis. Among them 110 patients were operated within 72 hours of appearance of symptoms while 215 patients were operated upon after 72 hours of appearance of symptoms. The mean duration of surgery was significantly (p< 0.001) less in early surgery group. There was no conversion. There was no serious intra operative complication (injury) in early group. There was no statistically significant post-operative complication in either group. Post-operative stay was significantly less (p<0.004) in early laparoscopic cholecystectomy group. Period of return to work was also significantly less (p<0.001) in early group. CONCLUSIONS Early (within 72 hours of appearance of symptoms) laparoscopic cholecystectomy can be safely advocated in patients of acute cholecystitis. It does not result in increased conversion rate or increased intra operative complication. Moreover it offers benefits shorter post-operative hospital stay and early return to work than laparoscopic cholecystectomy after 72 hours of appearance of symptoms.

GAP GYAN-An International Peer-Reviewed Open Access - Journal of Social Sciences, 2018

In the present study it is examined whether Corporate Governance Score and other financial variab... more In the present study it is examined whether Corporate Governance Score and other financial variable significantly affects MV/BV Ratio, Tobin's Q as well as Market Capitalisation or not. The data relating to nonfinancial parameters have been collected from Corporate Governance Report and for financial parameters Annual reports of the selected companies are studied. The present study is undertaken for the period 2012-13 to 2016-17. Ten Companies belonging to FMCG Sector have been considered for the study. The Disclosure score is calculated by assigning a weight to each of the parameter. Companies are scored out of 100 for their corporate governance practices and disclosures. The data is panel data so for each sector one way Random Effect Model or Fixed Effect Model is used.It is identified that disclosure practices have increased firm performance.

Sustainable Development in Business alongwith Scoeital Changes , 2019

This paper aims to examine the relationship of Corporate Governance Disclosure Practices with Fin... more This paper aims to examine the relationship of Corporate Governance Disclosure Practices with Financial Performance of firms in the IT Sector using Tobin’s Q, MV/BV RATIO and Market Capitalisation as a dependent variable and Corporate Governance Disclosure Score as an independent variable. Corporate Governance Disclosure Score is calculated by assigning weights to the various parameters in the checklist which consist of Board Structure, Audit Committee, Remuneration committee, Shareholders’ information, Related Party Transactions, Independent Auditors etc. The sample size consists of ten companies in IT sector as per their capital base. Selected companies are scored out of 100 for their corporate governance practices and disclosures. The period of the study is 2012-13 to 2016-17 and data is collected from Ace Knowledge database. Other parameters such as D/E Ratio, D/P Ratio, Return on Assets, Return on Equity, Sales Growth, Net Profit Margin are used in the present study to check their impact on dependent variables. The data is panel data so for each sector one way Random Effect Model or Fixed Effect Model is used. It is observed that higher disclosure practices have increased market capital as well as wealth of shareholders.

International Journal of Recent Scientific Research , 2018

ARTICLE INFO ABSTRACT India, though a sunshine country, it is reported that prevalence of Vitamin... more ARTICLE INFO ABSTRACT India, though a sunshine country, it is reported that prevalence of Vitamin D (D3) deficiency is not only significant to the extent of 85-90% but is also widespread. Unfortunately, we are unable to find authentic studies on the normal values of Vitamin D3 in Indian population. The studies that are available have a small sample size and only longitudinal studies are carried out. Therefore in this paper an attempt has been made to give an idea of a picture regarding the level of vitamin D in Gujarat for some selected cities. Major findings are (1)There is statistically significant difference between age wise as well as sex wise D3 level.(2)In future 66.01% to 87.41% will have deficiency of Vitamin D3. (3) Children have less deficiency than adults and senior citizens.

Indian Journal of Statistics and Application , 2015

In the economic development of nation, banks occupy an important place. Capital formation is the ... more In the economic development of nation, banks occupy an important place. Capital formation is the most significant variable for economic development. The volume of capital formation is dependent on real savings in the economy which further depends on ability, willingness and opportunity to the public to save. They cater to the needs of trade, Commerce, industries, agriculture, Small business, transport and other activities with a wide network of branches throughout the country.
Hence in this paper using banking parameters like basic parameters, parameters per office, per capita NSDP and deposit per account, current account deposit, credit sanctioned, credit utilisation, deposit, bank group wise CD ratio, the statistical comparison is made between Gujarat and other selected states using the period 1998 to 2008.
It is found that there is significant difference for banking parameters like basic parameters, per capita NSDP and deposit per account, current account deposit, credit sanctioned, credit utilisation, deposit and bank group wise CD ratio amongst Gujarat and other selected states except Business per office (Rural) (Amount in Lakh Re.), Business per office (Semi-Urban) (Amount in Lakh Re.) and Business per office (Urban) (Amount in Lakh Re.).

Indian Journal of Statistics and Application, 2014

Banks play an important and active role in the economic development of a country. In the country,... more Banks play an important and active role in the economic development of a country. In the country, if the banking system is effective, regulated, disciplined and efficient then there will be rapid growth in the various sectors of the economy. Banks mobilize the idle saving and channelize them into productive investments. Commercial banks are a very important source of finance and credit for industry and trade. Credit is a pillar of development. Credit lubricates all commerce and trade. Commercial banks are almost like factories that manufactures credit.
In this paper the statistical comparison of share of occupations in bank group and population group wise credit utilization has been done amongst Gujarat and some selected states (selection of states is based on population more than 5 crore as per 2001 census) for the period 1998 to 2008.
It is found that there is significant difference for percentage share of each occupation in population group wise credit utilization. For bank group wise credit utilization, it is found that there is significant difference for percentage share of each occupation in population group wise credit utilization except percentage share of All Others in SBI & Its Associates credit utilization, percentage share of Trade in Foreign Banks credit utilization, percentage share of Finance in Regional Rural Banks credit utilization, percentage share of Industry, Transport Operators and Personal Loans in Other Scheduled Banks credit utilization.

EBES 2013 Anthology, 2014

Capital is required for the development of any occupation. The Bank is an important institution o... more Capital is required for the development of any occupation. The Bank is an important institution of organised sector to obtain capital. The banks provide credit to different occupations. The development and share of occupation is dependent on region. In Indian economy, the occupation is divided into eight categories; that is to say, agriculture, industry, transport operators, professional and other services (personal loans, trade, finance and all others.). Population group is categorized as rural, semi urban, urban and metropolitan. Bank group is categorised as SBI and its Associates, Nationalised Banks, Regional Rural Banks, Foreign Banks and Other Scheduled Commercial Banks. We have studied the order for share of occupation in population group as well as bank group. There is no significant relation in share of personal loans in bank group credit utilisation. Also, there is no significant relation in the share of transport operators and trade in population group wise credit utilisation. Other relations which are found significant are reported in detail in the paper.

Journal of Rajasthan Statistical Association, 2012

In the economic development of any nation, banks occupy an important place. Commercial Banks are ... more In the economic development of any nation, banks occupy an important place. Commercial Banks are the oldest banking institutions in the Organized Sector. They constitute the predominant segment of the banking system in India. They cater to the needs of sectors of a country. These banks command a major share in total banking operations.
In this paper we have tried to depict the order of share of occupation in credit utilisation as well as in GDPR for India at national level, Gujarat and some other selected states. It is found that the share of tertiary sector is more in credit utilisation in each state and India at national level as well as the share of tertiary sector is more in GDPR in each state and India at national level except Gujarat. Thereafter two regression models are fitted for GDPR using aggregate data of Gujarat, other selected states and for national level with explanatory variable tertiary in GDPR alone as well as tertiary in GDPR and tertiary in credit utilisation.

Asian Academic Research Journal of Social Science and Humanities, 2013

Capital formation is the most significant variable for economic development. The commercial banks... more Capital formation is the most significant variable for economic development. The commercial banks influence ability to save by helping different business units in earning income. The role of commercial banks in current strategy of developing country is different from the traditional setting. They have to serve as an important catalyst in the economic and social transformation of the economy. In short, the growth of the economy is tied with the growth of the commercial bank in economy. Hence in this paper, using some of the banking parameters, the statistical comparison is made between Gujarat and India at national level using the data for the period 1998 to 2008 and major findings are reported as follows:  Gujarat has less population per office, credit per office and Business per office than national level.  Gujarat is better placed as per average deposit per account as well as per capita NSDP than India.

Asian Journal of Research in Business Economics and Management, 2013

Today banks play a vital role in the economy of any Country. By opening branches at various unban... more Today banks play a vital role in the economy of any Country. By opening branches at various unbanked and under banked regions of the economy, banks provide opportunity to save to the public. The higher the
number of the bank branches in the economy, the higher will be the amount of deposit mobilization ceteris paribus. Rapid economic development pre suppose rapid expansion of commercial banks. Initially,
the banks were conservative and opened offices (branches) mainly in Metro Politan cities and other major cities. But after nationalization of banks, the expansion of bank offices gained momentum. Using the
relation between population size, per capita income and other important variables, an attempt has been made to fit the model for bank offices for Gujarat, some other selected states and India at national level using the data for the period 2000 to 2008. For majority of the states and India, log reciprocal model is found to be appropriate with X2 = per capita NSDP at current price and / or X3 = Population Density per square km as explanatory variables. It can be inferred from the fitted models that initially in every state / national level, number of bank offices increases at an increasing rate and then it increases at a decreasing rate. Looking to the R2, VIF and DW statistic as well as the standard errors of the models, it can be said that further improvement of the models is needed / possible, which can be considered as further study.

International Journal of Research and Scientific Innovation, 2015

Vitamin B 12 also known as cobalamin which is one of the eight B -vitamins, is a water-soluble (b... more Vitamin B 12 also known as cobalamin which is one of the eight B -vitamins, is a water-soluble (body does not store) vitamin with a vital role in the normal functioning of the brain and nervous system, and also important for the formation of blood. Vitamin B 12 is found in most animal derived foods, including fish and shellfish, meat (especially liver), poultry, eggs, milk, and milk products. Vitamin B 12 deficiency can potentially cause severe and irreversible damage, especially to the brain and nervous system. Psychological indices related to dementia and depression may be improved through B12 supplementation.

Polycrystalline InSb alloys have been prepared an evacuated quartz tube, the InSb films deposited... more Polycrystalline InSb alloys have been prepared an evacuated quartz tube, the InSb films deposited by flash evaporation technique on different substrates like c-Si and glasses. Our experimental data showed that the crystal structure is transition from amorphous to crystalline phase with different stage depending on annealing temperature and film thickness. The values of energy gap increases from 0.15 eV to 0.18 eV with increasing Ta from 27 ºC to 200 ºC for thickness 0.5 µm and not sensitive for more 0.5µm . This variation is thought to be due to changes in degree of crystallinity and phase transition of the films structure.

Today banks play a vital role in the economy of any Country. By opening branches at various unban... more Today banks play a vital role in the economy of any Country. By opening branches at various unbanked and under banked regions of the economy, banks provide opportunity to save to the public. The higher the number of the bank branches in the economy, the higher will be the amount of deposit mobilization ceteris paribus. Rapid economic development pre suppose rapid expansion of commercial banks. Initially, the banks were conservative and opened offices (branches) mainly in Metro Politan cities and other major cities. But after nationalization of banks, the expansion of bank offices gained momentum. Using the relation between population size, per capita income and other important variables, an attempt has been made to fit the model for bank offices for Gujarat, some other selected states and India at national level using the data for the period 2000 to 2008. For majority of the states and India, log reciprocal model is found to be appropriate with X2= per capita NSDP at current price a...

Indian Journal of Applied Research, 2011

We have collected data from different laboratories and doctors from Vadodara. But following point... more We have collected data from different laboratories and doctors from Vadodara. But following points should noted before making any general statement from the findings of the present study.  Very few observations are from free check up camp. Majority of the data are due to the suggested blood test following some health problems.  For many cases observations were given as > some value, in those cases for the sake of analysis we have taken next integer value as the observed value, therefore instead of mean we suggest to observe median as the measure and hence for inference nonparametric techniques are used.  In the data set, sex is mentioned as only male and female, so child category is prepared from male and female whose age is less than 15 years. Hypothesis: (1) there is no statistically significant difference between age wise D3 level for IOM, Indian lab as well as US Endocrine limits. (2) there is no statistically significant difference between sex wise D3 level for IOM, Indian lab as well as US Endocrine limits. Major findings:  For population of Vadodara using 95% confidence interval through IOM limits (non parametric) it is estimated that 64.7% to73.24% persons will be below sufficient level, 64.29% to 75.27% females will be below sufficient level, 61.45% to 75.72% males will be below sufficient level and 37.00% to 88.56% children will be below sufficient level of D3. As per the age group analysis 68.58% to 78.58% Adults will be below sufficient level and 46.94% to 64.32% senior citizens will be below sufficient level of D3.  For population of Vadodara using 95% confidence interval through Indian lab limits (non parametric) it is estimated that 79.7% to 86.93% persons will be below sufficient level, 78.99% to 88.28% females will be below sufficient level, 77.49% to 89.59% males will be below sufficient level and 53.24% to 96.86% children will be below sufficient level of D3. As per the age group analysis 82.38% to 90.86% Adults will be below sufficient level and 66.51% to 81.24% senior citizens will be [...]

Journal of Evolution of Medical and Dental Sciences

BACKGROUND Laparoscopic cholecystectomy is difficult in acute cholecystitis because the gall blad... more BACKGROUND Laparoscopic cholecystectomy is difficult in acute cholecystitis because the gall bladder is usually thick walled and tensely distended. If the inflammation of the gall bladder extends to the porta hepatis the dissection becomes difficult. The normally thin minimally adherent tissue that invest the cystic duct and artery is markedly thickened and oedematous and may not readily separate from these structures with the usual blunt dissection technique. The duct wall also may be oedematous, thus making its external diameter similar to gall bladder neck and common bile duct. Moreover, operative difficulty substantially increases with time. It is believed that laparoscopic cholecystectomy in acute cholecystitis is having more operative time, more conversion rate and more chance of injury. METHODS We did an observational study to determine the safety, benefits and drawbacks of laparoscopic cholecystectomy within 72 hours of symptoms (and beyond that). RESULTS Total 325 patients underwent laparoscopic cholecystectomy in acute cholecystitis. Among them 110 patients were operated within 72 hours of appearance of symptoms while 215 patients were operated upon after 72 hours of appearance of symptoms. The mean duration of surgery was significantly (p< 0.001) less in early surgery group. There was no conversion. There was no serious intra operative complication (injury) in early group. There was no statistically significant post-operative complication in either group. Post-operative stay was significantly less (p<0.004) in early laparoscopic cholecystectomy group. Period of return to work was also significantly less (p<0.001) in early group. CONCLUSIONS Early (within 72 hours of appearance of symptoms) laparoscopic cholecystectomy can be safely advocated in patients of acute cholecystitis. It does not result in increased conversion rate or increased intra operative complication. Moreover it offers benefits shorter post-operative hospital stay and early return to work than laparoscopic cholecystectomy after 72 hours of appearance of symptoms.

Journal of Evolution of Medical and Dental Sciences, Dec 30, 2019

BACKGROUND Laparoscopic cholecystectomy is difficult in acute cholecystitis because the gall blad... more BACKGROUND Laparoscopic cholecystectomy is difficult in acute cholecystitis because the gall bladder is usually thick walled and tensely distended. If the inflammation of the gall bladder extends to the porta hepatis the dissection becomes difficult. The normally thin minimally adherent tissue that invest the cystic duct and artery is markedly thickened and oedematous and may not readily separate from these structures with the usual blunt dissection technique. The duct wall also may be oedematous, thus making its external diameter similar to gall bladder neck and common bile duct. Moreover, operative difficulty substantially increases with time. It is believed that laparoscopic cholecystectomy in acute cholecystitis is having more operative time, more conversion rate and more chance of injury. METHODS We did an observational study to determine the safety, benefits and drawbacks of laparoscopic cholecystectomy within 72 hours of symptoms (and beyond that). RESULTS Total 325 patients underwent laparoscopic cholecystectomy in acute cholecystitis. Among them 110 patients were operated within 72 hours of appearance of symptoms while 215 patients were operated upon after 72 hours of appearance of symptoms. The mean duration of surgery was significantly (p< 0.001) less in early surgery group. There was no conversion. There was no serious intra operative complication (injury) in early group. There was no statistically significant post-operative complication in either group. Post-operative stay was significantly less (p<0.004) in early laparoscopic cholecystectomy group. Period of return to work was also significantly less (p<0.001) in early group. CONCLUSIONS Early (within 72 hours of appearance of symptoms) laparoscopic cholecystectomy can be safely advocated in patients of acute cholecystitis. It does not result in increased conversion rate or increased intra operative complication. Moreover it offers benefits shorter post-operative hospital stay and early return to work than laparoscopic cholecystectomy after 72 hours of appearance of symptoms.

GAP GYAN-An International Peer-Reviewed Open Access - Journal of Social Sciences, 2018

In the present study it is examined whether Corporate Governance Score and other financial variab... more In the present study it is examined whether Corporate Governance Score and other financial variable significantly affects MV/BV Ratio, Tobin's Q as well as Market Capitalisation or not. The data relating to nonfinancial parameters have been collected from Corporate Governance Report and for financial parameters Annual reports of the selected companies are studied. The present study is undertaken for the period 2012-13 to 2016-17. Ten Companies belonging to FMCG Sector have been considered for the study. The Disclosure score is calculated by assigning a weight to each of the parameter. Companies are scored out of 100 for their corporate governance practices and disclosures. The data is panel data so for each sector one way Random Effect Model or Fixed Effect Model is used.It is identified that disclosure practices have increased firm performance.

Sustainable Development in Business alongwith Scoeital Changes , 2019

This paper aims to examine the relationship of Corporate Governance Disclosure Practices with Fin... more This paper aims to examine the relationship of Corporate Governance Disclosure Practices with Financial Performance of firms in the IT Sector using Tobin’s Q, MV/BV RATIO and Market Capitalisation as a dependent variable and Corporate Governance Disclosure Score as an independent variable. Corporate Governance Disclosure Score is calculated by assigning weights to the various parameters in the checklist which consist of Board Structure, Audit Committee, Remuneration committee, Shareholders’ information, Related Party Transactions, Independent Auditors etc. The sample size consists of ten companies in IT sector as per their capital base. Selected companies are scored out of 100 for their corporate governance practices and disclosures. The period of the study is 2012-13 to 2016-17 and data is collected from Ace Knowledge database. Other parameters such as D/E Ratio, D/P Ratio, Return on Assets, Return on Equity, Sales Growth, Net Profit Margin are used in the present study to check their impact on dependent variables. The data is panel data so for each sector one way Random Effect Model or Fixed Effect Model is used. It is observed that higher disclosure practices have increased market capital as well as wealth of shareholders.

International Journal of Recent Scientific Research , 2018

ARTICLE INFO ABSTRACT India, though a sunshine country, it is reported that prevalence of Vitamin... more ARTICLE INFO ABSTRACT India, though a sunshine country, it is reported that prevalence of Vitamin D (D3) deficiency is not only significant to the extent of 85-90% but is also widespread. Unfortunately, we are unable to find authentic studies on the normal values of Vitamin D3 in Indian population. The studies that are available have a small sample size and only longitudinal studies are carried out. Therefore in this paper an attempt has been made to give an idea of a picture regarding the level of vitamin D in Gujarat for some selected cities. Major findings are (1)There is statistically significant difference between age wise as well as sex wise D3 level.(2)In future 66.01% to 87.41% will have deficiency of Vitamin D3. (3) Children have less deficiency than adults and senior citizens.

Indian Journal of Statistics and Application , 2015

In the economic development of nation, banks occupy an important place. Capital formation is the ... more In the economic development of nation, banks occupy an important place. Capital formation is the most significant variable for economic development. The volume of capital formation is dependent on real savings in the economy which further depends on ability, willingness and opportunity to the public to save. They cater to the needs of trade, Commerce, industries, agriculture, Small business, transport and other activities with a wide network of branches throughout the country.
Hence in this paper using banking parameters like basic parameters, parameters per office, per capita NSDP and deposit per account, current account deposit, credit sanctioned, credit utilisation, deposit, bank group wise CD ratio, the statistical comparison is made between Gujarat and other selected states using the period 1998 to 2008.
It is found that there is significant difference for banking parameters like basic parameters, per capita NSDP and deposit per account, current account deposit, credit sanctioned, credit utilisation, deposit and bank group wise CD ratio amongst Gujarat and other selected states except Business per office (Rural) (Amount in Lakh Re.), Business per office (Semi-Urban) (Amount in Lakh Re.) and Business per office (Urban) (Amount in Lakh Re.).

Indian Journal of Statistics and Application, 2014

Banks play an important and active role in the economic development of a country. In the country,... more Banks play an important and active role in the economic development of a country. In the country, if the banking system is effective, regulated, disciplined and efficient then there will be rapid growth in the various sectors of the economy. Banks mobilize the idle saving and channelize them into productive investments. Commercial banks are a very important source of finance and credit for industry and trade. Credit is a pillar of development. Credit lubricates all commerce and trade. Commercial banks are almost like factories that manufactures credit.
In this paper the statistical comparison of share of occupations in bank group and population group wise credit utilization has been done amongst Gujarat and some selected states (selection of states is based on population more than 5 crore as per 2001 census) for the period 1998 to 2008.
It is found that there is significant difference for percentage share of each occupation in population group wise credit utilization. For bank group wise credit utilization, it is found that there is significant difference for percentage share of each occupation in population group wise credit utilization except percentage share of All Others in SBI & Its Associates credit utilization, percentage share of Trade in Foreign Banks credit utilization, percentage share of Finance in Regional Rural Banks credit utilization, percentage share of Industry, Transport Operators and Personal Loans in Other Scheduled Banks credit utilization.

EBES 2013 Anthology, 2014

Capital is required for the development of any occupation. The Bank is an important institution o... more Capital is required for the development of any occupation. The Bank is an important institution of organised sector to obtain capital. The banks provide credit to different occupations. The development and share of occupation is dependent on region. In Indian economy, the occupation is divided into eight categories; that is to say, agriculture, industry, transport operators, professional and other services (personal loans, trade, finance and all others.). Population group is categorized as rural, semi urban, urban and metropolitan. Bank group is categorised as SBI and its Associates, Nationalised Banks, Regional Rural Banks, Foreign Banks and Other Scheduled Commercial Banks. We have studied the order for share of occupation in population group as well as bank group. There is no significant relation in share of personal loans in bank group credit utilisation. Also, there is no significant relation in the share of transport operators and trade in population group wise credit utilisation. Other relations which are found significant are reported in detail in the paper.

Journal of Rajasthan Statistical Association, 2012

In the economic development of any nation, banks occupy an important place. Commercial Banks are ... more In the economic development of any nation, banks occupy an important place. Commercial Banks are the oldest banking institutions in the Organized Sector. They constitute the predominant segment of the banking system in India. They cater to the needs of sectors of a country. These banks command a major share in total banking operations.
In this paper we have tried to depict the order of share of occupation in credit utilisation as well as in GDPR for India at national level, Gujarat and some other selected states. It is found that the share of tertiary sector is more in credit utilisation in each state and India at national level as well as the share of tertiary sector is more in GDPR in each state and India at national level except Gujarat. Thereafter two regression models are fitted for GDPR using aggregate data of Gujarat, other selected states and for national level with explanatory variable tertiary in GDPR alone as well as tertiary in GDPR and tertiary in credit utilisation.

Asian Academic Research Journal of Social Science and Humanities, 2013

Capital formation is the most significant variable for economic development. The commercial banks... more Capital formation is the most significant variable for economic development. The commercial banks influence ability to save by helping different business units in earning income. The role of commercial banks in current strategy of developing country is different from the traditional setting. They have to serve as an important catalyst in the economic and social transformation of the economy. In short, the growth of the economy is tied with the growth of the commercial bank in economy. Hence in this paper, using some of the banking parameters, the statistical comparison is made between Gujarat and India at national level using the data for the period 1998 to 2008 and major findings are reported as follows:  Gujarat has less population per office, credit per office and Business per office than national level.  Gujarat is better placed as per average deposit per account as well as per capita NSDP than India.

Asian Journal of Research in Business Economics and Management, 2013

Today banks play a vital role in the economy of any Country. By opening branches at various unban... more Today banks play a vital role in the economy of any Country. By opening branches at various unbanked and under banked regions of the economy, banks provide opportunity to save to the public. The higher the
number of the bank branches in the economy, the higher will be the amount of deposit mobilization ceteris paribus. Rapid economic development pre suppose rapid expansion of commercial banks. Initially,
the banks were conservative and opened offices (branches) mainly in Metro Politan cities and other major cities. But after nationalization of banks, the expansion of bank offices gained momentum. Using the
relation between population size, per capita income and other important variables, an attempt has been made to fit the model for bank offices for Gujarat, some other selected states and India at national level using the data for the period 2000 to 2008. For majority of the states and India, log reciprocal model is found to be appropriate with X2 = per capita NSDP at current price and / or X3 = Population Density per square km as explanatory variables. It can be inferred from the fitted models that initially in every state / national level, number of bank offices increases at an increasing rate and then it increases at a decreasing rate. Looking to the R2, VIF and DW statistic as well as the standard errors of the models, it can be said that further improvement of the models is needed / possible, which can be considered as further study.

International Journal of Research and Scientific Innovation, 2015

Vitamin B 12 also known as cobalamin which is one of the eight B -vitamins, is a water-soluble (b... more Vitamin B 12 also known as cobalamin which is one of the eight B -vitamins, is a water-soluble (body does not store) vitamin with a vital role in the normal functioning of the brain and nervous system, and also important for the formation of blood. Vitamin B 12 is found in most animal derived foods, including fish and shellfish, meat (especially liver), poultry, eggs, milk, and milk products. Vitamin B 12 deficiency can potentially cause severe and irreversible damage, especially to the brain and nervous system. Psychological indices related to dementia and depression may be improved through B12 supplementation.

Polycrystalline InSb alloys have been prepared an evacuated quartz tube, the InSb films deposited... more Polycrystalline InSb alloys have been prepared an evacuated quartz tube, the InSb films deposited by flash evaporation technique on different substrates like c-Si and glasses. Our experimental data showed that the crystal structure is transition from amorphous to crystalline phase with different stage depending on annealing temperature and film thickness. The values of energy gap increases from 0.15 eV to 0.18 eV with increasing Ta from 27 ºC to 200 ºC for thickness 0.5 µm and not sensitive for more 0.5µm . This variation is thought to be due to changes in degree of crystallinity and phase transition of the films structure.