Suchergebnisse

Microfinance in India is a rapidly growing industry, focusing however, only on the credit side of finance without an adequate emphasis on Microsavings. There are multi-pronged efforts underway to bring the poor under the ambit of the financial system. Financial literacy efforts are also pursued by NGOs to make the poor understand the importance of savings in their lives. 125 million new bank accounts have been opened as of February 2015 under the new scheme of the government of India, 72% of which show zero balances. Having a savings account is only a first step in the financial inclusion efforts. Getting people to save requires a combination of financial literacy, hand holding and discipline aimed specifically at those who may not save regularly, left to themselves. Towards this end it is important to identify the regular saving potential among the poor. This study has developed a predictive model using decision trees to group the poor into potential regular and non-regular savers. The study was based on survey research administered to 700 respondents in Tamil Nadu, South India. The decision tree is able to predict with 90% accuracy, the regular saving potential among the poor. The paper has strong implications for banks, NGOs and others concerned with microsavings, financial inclusion and financial literacy. Categorizing the poor into potential regular and non-regular savers can enable target group specific efforts which can have symbiotically benefitting outcomes to the poor and the institution.

Introduction: Despite availability of excellent antibiotics, orbital complications' following sinusitis is rather common. With the emergence of fungal sinusitis orbital involvement by the disease is getting frequent. Prevalence of life style disorders like diabetes mellitus has added to the woes. This article attempts to review the entire gamut of orbital complications following sinus infections. Aim: This study aims at analyzing orbital complications following sinusitis at Government Stanley Medical College Hospital during the period 2009 – 2013. Study design: Retrospective study Methodology: Cases with rhinosinusitis treated in our Institution during the period 2009-2013 were taken up for analysis. 112 patients were chosen for the study. Their case records were analyzed. CT scan images taken during the time of admission were also evaluated. Patients with orbitalcomplications following rhinosinusitis were included. Chandler's classification was used to categorize the stage of disease. Results: 112 patients were included in the study. 76 Male patients 36 Female patients 26 patients developed orbital complications Number of male patients with orbital complication – 22 Number of female patients with orbital complication – 4 Number of patients who died due to complications - 2 Conclusion: High degree of suspicion, early diagnosis and aggressive medical management of Chandler's categories I and II will go a long way in preventing irreparable damage to vision. All our patients were managed initially with parenteral antibiotics. Patients who do not show improvement even after 4 days of antibiotic therapy were taken up for surgical management. This record was migrated from the OpenDepot repository service in June, 2017 before shutting down.

Warner W. Burke, Organization Change: Theory and Practice, 3rd edition. New Delhi: SAGE Publications, 2012, pp. 362. ₹ 395.