The main philosophy of this work is to determine the analysis of trend in performance of both Physics and Chemistry among final year senior secondary School students in Zaria local government area of Kaduna state, Nigeria. Four schools were selected among the schools in Zaria local government area. The trend of performance from 2000-2010 was analysed. The statistical tool used was Analysis of Variance (ANOVA). There is a significant relationship between the performance in both Physics and Chemistry students. There is decline percentage in their performance i. e. no steady percentage credit or pass in Physics and Chemistry. School A has an average performance of 89% in Physics and 83% in Chemistry, School B have an average performance of 44% in Physics and 39% in Chemistry, School C has an average73% performance in Physics and 76% in Chemistry, while School D have an average performance of 43% in Physics and 36% in Chemistry. The increasing other of their performance is: A > C > B > D. The trends of their performance are sideway trend, which shows that there is no constant or steady trend in the performance of the students.Keywords: Trend, Performance, Physics, Chemistry, Secondary School, Zaria Nigeria.
The asset quality of banks is one of the most important indicators of their financial health. It also reflects the effectiveness of banksâ€™ credit risk management and the recovery environment. It is important that the signs of distress in all stressed accounts are detected early and those which are viable are also extended restructuring facilities expeditiously to preserve their economic value. (RBI/2012-13/208). The Indian banking sector has been facing severe problems of raising Non- Performing Assets (NPAs). The NPAs growth directly affects the profitability of banks. The problem of NPAs is not only affecting the banks but is affecting the economy as a whole. In fact high level of NPAs in Indian banks is nothing but a reflection of industry and trade. NPA do not generate any income, whereas, the bank is required to make provisions for such as assets. (Olekar and Talawar, 2012). NPAs do not just reflect badly in a bankâ€Ÿs account books, they adversely impact the working of economy.
There are many research conducted on the topic of Non- Performing Assets (NPA) Management, concerning particular bank, comparative study of public and private banks etc. In this paper the researcher is considering the aggregate data of select public sector and private sector banks and attempts to compare analyze and interpret the NPA management from the year 2010 -2015. On the conceptual side, it gives an overview of NPA, various types of NPA and its cause. The tools used in the study are Least square method and ANOVA. The findings reveals the percentage of Gross NPA to Gross advances is increasing for public banks, the Estimated Gross NPA for 2014-15 is also more in public banks as compared to private banks and from the ANOVA test, it is concluded Ratio of Gross NPA to Gross Advances for public sector and private Sector Banks does not have significant difference between 2010 to 2015.Keywords: Non Performing Asset (NPA), NPA Management, Public Banks, Private Banks.
The objective of this study was to apply an edible coating incorporated with free and encapsulated Lactobacillus rhamnoÂsus B-445 cells (T2 & T3, respectively) to minimally processed apple slices (MPAS). The effectiveness of probiotic edible coatings as protective material for the probiotic and their effects on the quality attributes of MPAS were evaluated. Moisture content, total soluble solids, firmness, V.C, pH, total titratable acidity, viability of probiotics, microbial growth and sensory quality were studied during 13 days of storage at 5Â±1Â°C and 70-75% relative humidity. Results showed that all probiotic alginate-based coatings successfully maintained all attributes of coated fresh-cut apples comparison with T1 (without probiotics) and uncoated samples. Any of the assayed coatings exhibited a positive effect on the sensory properties of fresh-cut apples. Furthermore, probiotic edible coatings had a marked effect in reducing mesophilic and yeast and moluds counts on fresh-cut apples throughout storage. The probiotics Lactobacillus rhamnoÂsus B-445 maintained fresh-cut apples quality during refrigerated storage, demonstrating the feasibility of alginate based edible coatings to carry and support viable probiotics on fresh-cut fruit.Keywords: alginate, edible coatings, fresh-cut apple, probiotics, bioactive packaging.
Healthcare is very essential element of human life. In developing countries like India, it becomes very difficult to provide and manage. The huge population, low literacy, lack of awareness, poor sanitisation and require strong government policies and implementation. Indian healthcare system is traditionally valued. But the implementation and regulations are not upto the mark. This paper is an attempt to give an overview about the Indian Healthcare system. It tries to share the basic information about the Indian Healthcare industry, job opportunities, cost of medical treatment management in India, Medical tourism in India.Keywords:
Medical tourism is rapidly growing in India. It is expected to do billion dollar business. Indian healthcare system is traditionally strong and Indian people are good enough in the medical profession. Medical tourism industry provides lot of foreign exchange to the nation. It is expected that medical tourism will going to play an important role in the Indian economy. This industry has its own merits and demerits. This paper is an attempt to give an overview on the Indian Medical Tourism industry. Its strengths and weaknesses are elaborately discussed.Keywords: Medical tourism in India, Role of healthcare in Indian Economy.