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Financial inclusion project for the residents of Sangam Vihar, Delhi | Impact of COVID-19

Microfinance plays an important role in providing financial products and services to developing countries across the globe. The term Microfinance includes a large range of financial products and services which includes deposits, loans, money transfers, insurance, savings, micro-credit, etc. In a country like India, where most of the population lives in rural or semi-urban areas (more than 70 percent) and where a large part of the population (more than 60%) still depends on agriculture, microfinance is crucial for the poor and low-income groups. Microfinance becomes important in developing countries where a large section of society does not have access to banking and credit facilities. Microfinance does not only help with financial products, but it also plays an important role in the socio-economic improvement of society. In India, microfinance is dominated by Self Help Groups (SHGs)-Bank linkage program which is aimed at providing a cost-effective mechanism for financial products and services to the intended users. The challenges with Microfinance are the extent of coverage of all these programs. Some states in the country have more active SHGs to drive microfinance whereas other states have limited presence. In a state like Delhi, as per Bharat Microfinance Report 2019, there are 12 MFIs that have operations with a total of 48 branches. The outreach by Microfinance Institutes (MFI) in Delhi was 0.95 lakhs in 2019, which is less than 0.5% of the total population of Delhi. So, the state of Delhi is underserved by the MFIs. The recent impact of COVID-19 on the livelihood of poor people across the country was profound. The country imposed a complete lockdown from March 22, 2020, which caused a lot of hardship for all people. During the lockdown period, the people who suffered the worst were daily wage earners as they had no source of income. Most of the government effort during COVID-19 was focused on home isolating the people who tested positive and moving the critical patients to the hospital. The government provided medical kits and drugs for the patients who were under home isolation but there was no monetary compensation for people who lost employment. The double impact of COVID-19 and unemployment was visible on people living in the slums of Delhi. The motivation for this research project was to run an extensive financial inclusion survey in the slums of Delhi to identify the extent of financial inclusion coverage. Post the survey, the objective was to share the data with the MFIs and connect them with the residents who would qualify for a microloan. The second objective was to create an information portal for the residents of Delhi on various central and state government initiatives on financial inclusion. This information portal was designed to include details of various schemes and the requirements of opening bank accounts, applying for a PAN card and an Aadhaar card. This initiative was to improve the financial literacy of the residents of Delhi.

Published by: Shivang Kukreja

Author: Shivang Kukreja

Paper ID: V6I6-1279

Paper Status: published

Published: January 15, 2021

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Research Paper

A multicenter, open-label, randomized, phase IV clinical study comparing the safety and effectiveness of the fixed-dose combination of trypsin, bromelain, and rutoside with standard therapy in the management of wound due to minor surgery

Wound healing is a complex process consisting of steps–hemostasis, inflammation, proliferation, and remodeling. The purpose of this multicenter, open-label, randomized, active-controlled, prospective, two-arm, phase IV clinical study was to evaluate and compare the safety, tolerability, and efficacy of fixed-dose combination (FDC) enteric-coated tablets of trypsin 96 mg + bromelain 180 mg + rutoside trihydrate 200 mg–Enzomac Forte with the enteric-coated tablets of trypsin-chymotrypsin 100000 AU–marketed formulation in the complex wound healing process. An open-label, randomized, parallel, active-controlled, two-arm, phase IV clinical study was conducted at 13 centers in India from December 02, 2017, to May 04, 2019. Adult patients aged 18-65 years (both inclusive) fulfilling the eligibility criteria were included. These patients were randomized into two treatment groups–FDC versus trypsin-chymotrypsin. Adverse events (AEs) and serious adverse events (SAEs) were recorded to evaluate and compare the safety and tolerability. The efficacy of both the treatment in the management of wound healing was noted and compared. AEs were reported in five patients; no SAEs were reported. No clinically significant differences in the occurrence of AEs were found; thus, both the treatments were safe and tolerable. The wound regeneration efficacy on day 10±2 was significantly higher with FDC as compared to trypsin-chymotrypsin. A significantly high improvement of total BWAT score with FDC as compared to trypsin-chymotrypsin was observed. FDC used by the authors in this study was found to be equally safe and tolerable and more effective than the marketed formulation used for wound healing after a minor surgical procedure.

Published by: Ashish Mungantiwar, Nirali Bhatt, Priyanka Shrivastava, Jitendra More

Author: Ashish Mungantiwar

Paper ID: V7I1-1154

Paper Status: published

Published: January 15, 2021

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Research Paper

A study of the three important ambient factors; color, lighting, and noise on employees in open-plan bank offices

In the ever-competitive world today, offices want to get the maximum work output and productivity from their employees that allow them to perceive their ambiances in a way that gets reflected in the work they produce. This in turn helps in solving and figuring out the architectural areas that can be made different or altered to enhance the quality of workspaces in which they thrive. This paper uses four main works of literature and already established models of Bitner, Vietch and Newsham, Sundstrom and Evans, and John's stress and noise theory; considering the factors that have been regarded and hence helped derive the basic parameters to be studied, observed, and taken employee perceptions of. These have then been analyzed and developed into design guidelines in order to change work environments.

Published by: Shubhangi Baheti, Roshan Shetty

Author: Shubhangi Baheti

Paper ID: V7I1-1147

Paper Status: published

Published: January 9, 2021

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Research Paper

A novel approach to secure video steganography

The rapid development of data communication in the modern era demands a secure exchange of information. Steganography is the technique of data hiding. Thus, video steganography means hiding data inside a video file. Existing systems work on the LSB technique and has a defined format in which data is stored and can be easily guessed by the intruder. The proposed method is based on the Pixel Value Extraction of RGB model which uses Bit insertion technique to insert the text within the Video file. Usually, the hackers focus on LSB bits for secret data extraction but the proposed technique utilizes the MSB bits that make it more secure from unauthorized access. This system focuses on the data security approach when combined with encryption and steganographic techniques for secret communication by hiding it inside the video.

Published by: Surabhi Adak, Ashwini Sarode, Santosh Yadav, Ashish Pawar, Mrs. Jyoti Kundale, Mr. Sachin Bhopi

Author: Surabhi Adak

Paper ID: V7I1-1140

Paper Status: published

Published: January 7, 2021

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Research Paper

Determinants of underpricing of IPO – A case study of Indian stock market

The study aims to investigate the reasons for underpricing of IPO by analyzing the impact of various factors like Issue Size, Stockholder Ownership Structure, and Underwriter Reputation on the Under-pricing of IPOs. The target market chosen was all the IPOs issued In the Indian Stock Market from the Year 2010 to 2019 i.e., 219 Companies, which included 88 Underpriced IPOs and 131 Overpriced IPOs. Initially, exploratory research was undertaken to probe deeper into the topic. After conducting the exploring research, causal research was finalized as the most suitable method to go ahead with. We analyzed the data using tools like Correlation and Regression on various software i.e., Excel and SAS (Enterprise Guide). We concluded the Research by stating a Negligible Positive Relationship of Under-pricing of IPO with Issue Size and a Strong Positive Relationship with QIB and HNI Ownership and a negative Relationship with Retail Investors and Reputation of Underwriters.

Published by: Janhavi Agrawal, Gaurvi Udasi, Praachi Arora, Vidhi Pabuwal

Author: Janhavi Agrawal

Paper ID: V7I1-1142

Paper Status: published

Published: January 7, 2021

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Others

Ninety different social services of Sivasamy Soundararajan

My home place is a small village in Tamil Nadu State, Coimbatore District, and Pollachi Taluk. The local administration of the Kanjampatti Panchayat Board contains four villages, namely, Kanjampatti, K.Nagoor, Ammegoundanur, and Nambiamuthur. There were no bank facilities until 1987. I wrote to the then Prime Minister of India and the Honorable Prime Minister ordered to open a bank branch directing the Reserve Bank of India at Kanjampatti. The bank is serving the mass of the surrounding area very well. When the bank was opened in 1987, he accompanied the bank manager to going door to door and canvassed for the SB account and also creating awareness about savings for them

Published by: S. Soundararajan

Author: S. Soundararajan

Paper ID: V7I1-1144

Paper Status: published

Published: January 6, 2021

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