The study investigated the effect of brain-based adaptive learning strategy on academic competence of students with learning disability. The study adopted a quasi experimental non-equivalent control group, pretest-posttest research design. The population was all the 1,242 students in senior secondary two (SS11) in Igbo-etiti LGA in Nsukka urban Education Zone, Enugu State, Nigeria. The sample was 86 (41 males and 45 females) SS11 students with dyslexia learning disability composed from two public schools that were purposively sampled from the study area. Two instruments were used for the study. They are 32-item Academic Competence Evaluation Scale (ACES) adapted from DiPerna and Elliott (2000) and a 20-item test named Brain-based Learning Strategy Test (BLST)(researcher constructed). The instruments were validated by two experts in educational psychology and one in measurement and evaluation all in Faculty of Education, University of Nigeria, Nsukka. It was trial tested using cronbach alpha procedure and reliability coefficient of the ACES was 0.87 while that of the BLST test items was 0.82. High mean rating indicates that the academic competence is on the high side. Mean and standard deviation were used to answer the research questions and the hypotheses were tested using the Analysis of Covariance (ANCOVA) at 0.05 level of significance. It was found that brain-based adaptive learning had a significant effected on the academic competence of students with DLD and that gender has no significant influence on academic competence of students with DLD exposed to it. Based on the findings of this study, it was recommended among others that government, school administrators, educators, curriculum planners and school teachers should put concerted effort to adopt learning intervention programme such as Brain-based Learning Strategy that can enhance the academic competence of students with learning disability

The spillover effect has been identified as an important channel through which domestic firms benefit from foreign direct investment (FDI). It is also considered an important medium through which FDI promotes growth in a host country. Realization of this and other benefits arising from FDI has prompted government to encourage FDI inflow. The increased FDI flows have further stimulated intensive debate and research on the role of FDI on host economies. The purpose of the paper is to summarize the different spillover effects of FDI and to study the trends in FDI in different sector in India.

Economic growth is certainly an important measuring rod for a country's performance but it does not reflect country's development as most of the time in many country's GDP is distributed unevenly . If the distribution is mildly unequal it is not a problem but if it unequally distributed to a high extent it create many economic and social problems. The data related to income ,growth and development of most of the country reflects that inequality is continuously becoming a threat to there stability. This paper exhibits views of various economist regarding inequality and emphasize more on Indian inequality and particularly after reforms. The Indian economy has grown steadily over the last two decades however its growth is uneven when comparing different social groups, economic groups geographical regions and rural urban areas.

In India Agricultural sector plays a prominent role even from pre-independency, at the time of independency the total GDP from Agricultural sector was nearly 55%, and nearly 70% of the population are depending on Agricultural sector. Then after post-independency due to the old technology, traditional methods the productivity from Agricultural sector was gradually decreased. Even in the first five year plan the most of the amount around 17.5% of the investment specifically spread for agricultural sector. In the second five year plan the importance has been moved to industrial sector. Even still in India the importance for agricultural sector is increasing because the dependents in agricultural sector is more where as the GDP from agricultural sector is less as compared with other sectors like Industrial sector and service sector. Villages are the back bone for economy, in most of the villages the major occupation is cultivation , from such cultivation the income generation is less, it has reveling an out put the PERCAPITA income of the people is gradually decreased. This explains the standerd of the living of the people is decreased. This paper explains about the performance of Agricultural sector and its importance in the Indian economy.

The objective of this study is to analyze the relationship between the financial performances with Human Resource Accounting Disclosure (HRAD) among the selected Indian Companies. A sample of four companies,2 companies from public and 2 companies from private sector were taken for the study. Eight years financial data from 2005-2012 were collected for the analyses of financial performance based on multiple regression and correlation analysis. Financial performance is nothing but measuring the results of a firm's policies and operations in monetary terms. These results are reflected in the firm's return on equity (ROE), return on assets (ROA), value added, etc. The study reveals that there is a positive relationship between firms ROA, ROE and HRAD.

The paper attempts to lay down a theoretical and conceptual framework to establish a detailed understanding of corporate governance and its underlying principles and theories. The paper further studies the practice of corporate citizenship in India, the theoretical underpinnings and development of the governance practices in India asan introduction of Clause 49 in the listing agreement by SEBI.

Hypertension is a major problem that will most certainly grow with increase in the number of older people as the population continues to age. Its complications have estimated reduction in life expectancy and number of Quality of life years. The aim of the study was to study the Knowledge, Attitude ,Practice (KAP) in the management of hypertension among old age people. Purposive random sampling technique was adapted for the study. The total sample constituted 1200 elderly with hypertension residents of urban Bangalore, of which 600 were men and 600 were women between the age group of 65-76 years. The tool used for the study was Structured Interview Schedule (SIS) developed by the investigators on demographic profile and on KAP in the management of hypertension and the tool was administered to 1200 old age people. The obtained data was subjected to statistical analysis by applying percentage mean, and 't' test. The findings revealed that the scores on the knowledge segment indicated a moderate to good knowledge among the respondents. The mean scores on attitude indicated that the groups showed a fair and healthy attitude towards hypertension. The mean scores on practice showed a moderate level to cope with hypertension.

This paper deals with the role of emotions on thought process and learning. Emotion is an affective state of consciousness in which joy, sorrow, fear, etc… is experienced as distinguished from cognitive and volitional state of consciousness. In the teaching learning environment effective Emotional communication play a major role in effective thought process and learning. Communication is a process of exchanging information's via a common system. There are many natural ways in which individuals may communicate. Besides linguistics communication, which is at the core of human communication, and cognition. The cognitive side of learning usually gets a great deal of attention, but a tugging under current persists. It is the domain of Emotions, so called affective side of learning. Biologically, Emotions are not only very current science, but also very important science. Neuro scientists are now breaking new ground in mapping out this important learning component. The affective side of learning is the critical interplay between how we feel, act, and think. There is no separation of mind and Emotions, thinking and learning are all linked.

Little attention has been paid by researchers on the significance of Word of Mouth (WOM) communication in banking services. The researchers have examined the inter-linkages between customer bonding, customer commitment and customers' positive WOM communications. Independent constructs were developed for all the three components under study and reliability and validity were examined. It is clearly established that customer bonding and customer commitment have significant impact on WOM communication of customers. Customer's readiness to express positive WOM varies on the basis of their demographic features like age and the level of income.

The Employee Value Proposition represents the perceived overall deal between employer and employee. The employer makes an offer to the employee (or the give) and expects contributions (or the get) from the employee in return. The inducements and contributions consist of mutual obligations and promises. Inducements typically concern things such as career progression, organisational support, fair and transparent performance management and more tangible things such as pay and holiday entitlements. Contributions relate to things such as working hours, being an advocate of the employer within and outside the organisation, bringing skills, enthusiasm and entrepreneurship to productive work. Importantly, within the overall deal there are nested deals operating at different levels of the organisation, such as the tailored, workable arrangements forged between team leader and team members, these reflect opportunities available for employees to shape their work experience. Top-performing companies create a sustainable EVP and total rewards strategy based on the needs, demographics and preferences of their workforce. Employee value Proposition refers to the rewards and benefits that an employee receives in return of the performance that he gives at the workplace in the organization. Manpower Planning: Manpower planning is defined as putting the right number of people ,right kind of people at the right place ,right time ,doing the right things for which they are suited for the achievement of organizational goals. EVP is at the core of all other organisational processes. The characteristics of the EVP need to be reflected in the corporate and employer brands. The EVP, if maintained well is the driver of engagement, it informs recruitment messages and communications and it helps inform strategic HR priorities. It helps support and drive business strategy forward. People are your most important assets. Treat them People are your most important assets. Treat them like they make a difference and they'll make a difference. This paper takes the Review of Concept of Employee Value Proposition and its relationship with Human Resource Management

E-Commerce is the hot selling concept in the market today. But what is E-Commerce? Does it only incorporate an electronic way of conducting business which engages use of diverse electronic tools for improved customer management and Commerce practice or is it much broader than the above? This paper is an attempt by the author to study the role of E-Commerce in today's business environment. For the same the author has invented a company “SOFTAL Enterprises” and would like to look into the whole structure of opportunities and convenience this promising model has to offer in the purview of our business offerings.

Hyderabad-Karnataka area was located in North Karnataka and constitutes six districts and was part of Hyderabad State before independence. Even though Indian Union was got independence in 1947, due to the Nizam's resistance and Razakar's atrocities, the region was not become independent. The present paper highlighted the political administration of the Nizam and activities of Razakars in the region. The actions of the freedom fighters and action taken by the Indian Union in 1948 are also discussed briefly.

The aim of this study is to find out the effect of slow jogging and recreational games on speed and explosive power among obese boys. Forty five obese boys were selected from the Arya International School, Varanasi. For this research, the subjects were divided randomly into three equal groups namely one control and two experimental groups consisting of fifteen obese boys in each group. The subject's age ranged between 12 to 14 years. Experimental groups were given 12 weeks slow jogging and recreational games training and the control groups were not allowed to participate in any of the training programmes. The training programme was given five days in a week for 45 minutes. Pretest and post test was conducted for both the groups on speed and explosive power before and immediately after the training. The data were computed statistically by using (ANCOVA) to find out the significant changes. The result reveals that the slow jogging group and recreational games group has significant effect on explosive power and speed of obese boys when compared to control group. When compared between the two experimental groups a recreational game was found to be better than the slow jogging training on speed and explosive power.

The higher education in India is faced tough challenges in the recent times due to the growing international demand for talented people to work and manage organization across the globe. Many nations are revising their Higher Education Service System (HESS) and programmes by bringing suitable amendments, specially promoting E-Learning to maintain, the excellence. Indian Education is also looking for changes and has seen massive growth in recent years. This growth is posse's huge challenges for the governing bodies as AICTE, UGC and NCTE etc. to maintain or improve the excellence in Higher Education. Therefore to compete with world higher education and to maintain the world classes institution, E-Governance is the fundamental requirement to make the solution in the field of educational sectors problems. E-Governance helps to make the whole system friendly, it helps time and cast saving and also to improve transparency, providing speedy information, dissemination, improving administrative efficiency and Public Services in all the aspect of education. Contemporary Higher Education required computerized in all managing systems such as registration, admission, T.L.M., time table, transportation, information and resources centre i.e. Library, salary expenses, examination, hostels,t performance repor, empowering faculty and many others. This paper is an effort to discuss the important role of E-Governance to maintain the excellence in HEI's in India. So that we can maintain a world class institution in our country.

The ability to create, distribute and exploit knowledge has become a major source of competitive advantage, wealth creation and improvement in the quality life. Some of the main features of this transformation are the growing impacts of information and communication technologies (ICT) on the economy and on society; the rapid application of recent scientific advances in new products and processes; as high rate of innovation across countries ; a shift to more knowledge-intensive industries and services; and rising skill requirements. These changes imply that science; technology and innovation are the key of improving economic performance and social being. During these three past years, Hassan 2nd University of Casablanca has been a part of UNCHAIN (UNiversity CHAir on INnovation) network. Therefore and in accordance with The EU higher education policy towards the MEDA countries, Hassan 2nd University of Casablanca focused in:

Since India has achieved freedom, rural part of India has not been developed. Government has introduced various schemes in order to make development of rural sectors but due to lack of planning and policies rural areas have not been developed. The current slow down in Indian economy is therefore a cause of concern the policy makers in the country. The growth rate has continued to go down in the last two years and the current economic crisis affects the economy of India.

The physical education is an integral part of education, similarly the sport is also an integral part of physical education. The role of physical education is very much important in the society of human being in its varied dimensions to the life. In the present days, every individual feels the importance of educational values in their life. In the process of education and physical education, many people follow the concept of sports as a prime part and full-fledged compartment of the total scenario of life. As , the sports include various significant aspects and concept like : educational, economical, financial, intellectual, psychological and behavioral etc.

State Trait Anxiety Test developed by Govind Tiwari and Roma Pal. The total sample was 100, where in 50 students were from rural area and the other 50 were from urban area .The data were collected using random sampling technique ,and were subsequently analysed using Mean, S.D and t-test. The study was aptly conducted on Higher Secondary School Students. The results indicated that on the total scores a not significant difference between the scores and mean of the students was found where t=0.328.

Non-performing assets is burden for all the banks. So, none of the banks will like to have the assets non-performing. This paper has compared the non-performing assets, Net NPA and Gross NPA ratios of private sector, public sector and foreign banks. The data collected from the financial statement (2010-11 and 2011-12) of the banks and RBI office has been used for analysis. The results show that the non-performing assets, net NPA and Gross NPA ratios have increased in case of public sector banks. In case of private sector banks same has decreased while as for foreign banks all the three things have remained Constant. So, public sector need to concern more on the level of their non performing assets.

Many of the new and innovative products are influenced by impact damage, whether by design or by accident. This paper is aimed at gaining an initial understanding of the impact behavior on fiberglass reinforced laminates with the variation of composite core structure. The purpose of this study is to characterize the damage occurred on fiberglass laminates subjected to mass impact. The effect of adding a protective layer of rubber to the laminates is also investigated. Impact test will be conducted on various models with the variation of core structure/layer orientation to find impact behavior on fiberglass reinforced laminates. Impact test will be conducted by adding rubber layer to the optimum core structure.

The conflicting causal relationship in the environment of the Amazon requires mediation of the Academy for obtaining a valid support involving some concepts of Socio-Environmental Management and perception of social actors observers of the causal relationship. This study will answer the question: What is the perception of the concept of Socio-Environmental Management of Entrepreneurs in the State of Acre? The assignment has as main goal to investigate the behavioral perspective of entrepreneurs involved in the socio-environmental relationship; and how specific objectives propose to elaborate a brief critical analysis about the conceptual maturation of entrepreneurs (1), perform a brief comparative study of reality, considering the performance of entrepreneurs (2) and provide proficient instrumentals indicatives for an appropriate socio-environmental management in the researched context (3). The study is based on the Contingence Theory and in the elements of the Task Environment. A qualitative research was adopted, through the Case Study Method and the procedures required. As result it is possible to affirm that the entrepreneurs have been leading their activities by the gratuitousness in the relationship with the environment, while they transfer to consumers the goods and services and their lack of commitment (1); The consulted social actors agree with the possibility of profits thought investments in socio-environmental initiatives by the entrepreneurs from Acre, while they oppose to practices such as the ones that have been developing by the entrepreneurs (2); and as perspective it is suggested to educate the entrepreneurs, implementing awareness with wide dissemination of sustainable management concept (3). This assignment is a contribution to those interested in Socio-Environmental Management issues and sustainability in the Amazon.

Taxonomic investigation of the Asteraceae growing throughout the Dir Kohistan was carried out. A total of 45 species under 33 genera of the Asteraceae were collected and identified. Eight 9 genera of the Asteraceae are cultivated in the study area which included 9 species. A brief taxonomic description of each species is given with Vernacular name. About the total number of species Xanthium strumarium, Artemisia scoparia, Silybum marianum, Cichorium intybus, Achillea millefolium, Taraxacum officinale and Senecio chrysanthemoides are much populated the study area.

Since we are in the modern technological world, Information Technology plays a vital role in the development of each and every sector. The role of Information Technology is vast especially in the growth of service sector. Due to Information Technology, the banking sector grows tremendously and reaches its peak. The baking services are simplified by using the of Information Technology. In this paper, it is studied about the impact of information technology and its usefulness in the modern banking sector

The extensive use of Information and Communication Technology (ICT) has changed the fundamental principal of delivery of services in every aspect of life, including various functions of the government. This has resulted in increasing efficiency, creating transparency, and streamlining expenses in the government Organizations. Today, Electronic Governance (popularly referred as e-governance) has emerged as a keyword for all such IT applications that are deployed by government bodies to deliver solutions and information to the masses. Generally, e-governance is considered as "online government"; however, many non-Internet technologies like telephone, fax, SMS, wireless networks and services, CCTVs, tracking systems, biometric identification, road traffic management and enforcement, identity cards, smart cards, etc., can be used in this context.

In India, Self Help Groups are now supported by government policy and NGO intervention. These are being seen as a magic wand for all the development of poor. The concept of micro finance was introduced in India in 1992 for overcoming the existing constraints and providing adequate credit to the poor in general and the weaker section in particular by following a simple procedure. Self Help Groups are important vehicles for credit delivery to self-employed persons particularly women in rural and semi urban areas. The major spin-off of the micro-credit movement at the grassroots level has been the fact that women have used this system to come out and join a mainstream activity in the village. In many areas particularly where there has been support from NGOs or strong SHGs women have gained a voice and been able to sure this space to come out of their traditional roles into a more proactive male space.

The present study was undertaken to investigate the relationship of academic achievement with metacognition, self-confidence and family environment among 10+1 students. The sample of the present study consisted of 800 students selected randomly from four districts of Haryana. Metacognition Inventory by Govil (2003), Self-confidence inventory by Agnihotri (1987) and Family Environment scale by Bhatia and Chadha (1993) were used. The findings indicate that there exists significant and positive relationship between academic achievement and metacognition. Significant and negative but low relationship between academic achievement and self confidence was found. There also exists significant and positive relationship between academic achievement and family environment.

The conflicting causal relationship in the environment of the Amazon requires mediation of the Academy for obtaining a valid support involving some concepts of Socio-Environmental Management and perception of social actors observers of the causal relationship. This study will answer the question: What is the perception of the concept of Socio-Environmental Management of Entrepreneurs in the State of Acre? The assignment has as main goal to investigate the behavioral perspective of entrepreneurs involved in the socio-environmental relationship; and how specific objectives propose to elaborate a brief critical analysis about the conceptual maturation of entrepreneurs (1), perform a brief comparative study of reality, considering the performance of entrepreneurs (2) and provide proficient instrumentals indicatives for an appropriate socio-environmental management in the researched context (3). The study is based on the Contingence Theory and in the elements of the Task Environment. A qualitative research was adopted, through the Case Study Method and the procedures required. As result it is possible to affirm that the entrepreneurs have been leading their activities by the gratuitousness in the relationship with the environment, while they transfer to consumers the goods and services and their lack of commitment (1); The consulted social actors agree with the possibility of profits thought investments in socio-environmental initiatives by the entrepreneurs from Acre, while they oppose to practices such as the ones that have been developing by the entrepreneurs (2); and as perspective it is suggested to educate the entrepreneurs, implementing awareness with wide dissemination of sustainable management concept (3). This assignment is a contribution to those interested in Socio-Environmental Management issues and sustainability in the Amazon.

This research aims to provide empirical evidence concerning the value relevance of earnings and book values to stock prices (individually and in aggregate) in Iraqi Stock Exchange market in the light of shift in Iraqi environment from macro-economic to micro-economic after American occupation in 2003. thus, this research aims to explore the association between the value-relevance of accounting information before and after 2003. This study contributes to understand reflections of environmental factors on accounting and the responding of accounting to these factors , and its effect on the way the investors in certain period interpret and apply information, because this information plays a vital role in the efficient capital market.

In most discussions of ethnic communities immigrants and aliens as well as in most treatments of relationships between minorities and majorities, much attention has been paid to diasporas. Etymologically, the term 'diaspora' is derived from Greek word dia(through) and speiro (to scatter). In the most widely read books on nationalism and ethnonationalism, the phenomenon is not considered worthy of discussion.

One of the most striking trends in education in the past two or three decades has been the rapid increase in female educational attainment. From the cohorts born in the 1950's onwards Women quickly caught up with men in educational investment. Furthermore, it is clear that the growth in the educational attainment of women has not stalled at gender parity. At the moment, female educational attainment clearly dominates male educational attainment in a majority of industrialized countries.

The Concept of existentialism and existential crisis has been constant themes in writings of authors and writers of classical Western Literatures. Though story-tellers, novelists, writers of prosaic works, poets and playwrights are numerous in English literature, I analyze here incidents and events of existential crisis in the works of a very handful of persons such as Geoffrey Chaucer, the first well-known writer of the English literature, William Shakespeare the poet, and playwright of all seasons, and a few Nobel Prize Winners such as John Galsworthy, T.S. Eliot and William Golding etcetera. These belong to different points of times. I have not included here the persons known only for their poetical works as I think I might do it in my later research.

The primary objective of the Kannada Historians of the recent past is to explore disseminate and critique Kannada culture. This however does not mean any dogmatically exclusivist approach. This objective is perfectly compatible with the objective of absorbing neighboring cultures but within the framework of natiuism. Indeed this objective has been best captured by the first major scholar in Kannada language, Alur Venkatarao when he declared….. To enter and establish nativism, we need to emulate classical models which is followed by the veteran epigraphists and scholars. Shri. N. Laksmi Narayan Rao and R.S. Panchamukhi, who ought to have been the first persons, as outstanding scholars who have contributed much to the study of Karnataka History and the Chukayas of Badami in particular after the Alur Venkata Rao.

This research paper helps to understand the comparative analysis of recruitment problems which majorly faced by HRD of Public/Semi-Govt. and private sectors of Pakistan. The recruitment problems faced by HRD are different in both sector of Pakistan. Recruitment is one of very critical and important decision taken by HR department and some recruitment problems are highly faced by HR department of public/semi Govt. sector but are not major problems for private sector. Moreover, some problems are majorly influence in private sector but are not major problems in public/semi-govt. sector of Pakistan in recruitment. It is also identified that some recruitment problems majorly affect recruitment in both sectors. This study helps to recognize the recruitment problems faced by HR department while recruiting the new employee in both sectors. This paper also identified that “environment” and “prejudice” in public sector have higher affect and considered as major problems in employee recruitment while “reference”, “selection standards” are measured as a least affecting problems of recruitment in public sector. Further, in private sector, “prejudice” and “culture” are major issues and “selection standards” and “reference” is considered as least affecting recruitment problems in private sector of Pakistan. So, HR department must hire right person on right time, and it is possible when different HR department focuses to overcome these recruitment problems more efficiently and effectively

The silicic Dokhan Volcanic rocks of Gabal Nuqara and Gabal Abu Aqarib occupy an area of the Central Eastern Desert, SSW of Safaga city, Egypt. The silicic volcanics of G. Nuqara crop out in two elongate parallel NW-SE trending belts, and are conformably overlain by the intermediate Dokhan Volcanics. The accumulation of the volcanics in belts is not probably consistent with a central (volcanic neck) eruption. The silicic Dokhan Volcanics of G. Abu Aqarib show explosive eruption products giving rise to thinly banded rhyolitic tuffs at the top of the volcanic sequence. G. Nuqara volcanics include rhyolite porphyry, rhyodacite, dacite and equivalent pyroclastics, and G. Abu Aqarib volcanics are rhyolite porphyry, rhyodacite and equivalent pyroclastics. The Dokhan Volcanic (both of G. Nuqara and G. Abu Aqarib) have calc-alkaline affinity with alkali enrichment. They were erupted in a volcanic arc in an active continental margin tectonic setting. The average eU contents of the silicic volcanic rocks of G. Nuqara and G. Abu Aqarib are 9.4 and 8.5 ppm, respectively. Because of the relatively low average content of uranium, visible U mineralization is absent. Uranium is present as a trace in accessory resistate minerals (e.g apatite and zircon).

In this paper an attempt has been made to analyses the agriculture efficiency at district level in Solapur District. Transformation Agriculture efficiency is a function of various factors including the physical socio-economic &technical organization ,for simple statistical equation have been employed the study cover out the 11 tahsil part of the Solapur district which come under the variation in spatial variation of landuse efficiency is examined for the 1977-78 to 1979-80 and 2000-01 to 2002-03. The use of land constitutes a major item in national planning and this is especially in India. This Study of landuse is of vital importance from the point of view of the planning and development of the area. Landuse is the surface utilization of all developed and vacant land on a specific point, at given time and space. The aim of the paper is to study the general and agricultural land use efficiency in the Solapur district. It also draws conclusions and finds Out the agricultural problems and suggest suitable remedies to solve them.

Dalits are being punished by God for sins in a previous life. Under the religious codes of Hinduism a Dalit only hope is to be a good servant of the high caste and upon death and rebirth. They will be reincarnated a high caste. The Dalit status has often been historically associated with occupations regarded as ritually impure. Such as any involving leatherwork. Butchering or removal of rubbish animal carcasses and waste. Dalits work as manual labourers cleaning streets. Latrines, and Screws engaging in these activities were considered to be polluting to the individual and this pollution was considered contagious almost 90 percent of Dalits live in rural areas economic exploitation remains their most acute problem they are almost all marginal farmers or landless labourers. Large number of migrate to cities or to labour scarce rural areas in different parts of India. Many are in debt and are obliged to work off their debts as bonded labourers despite the fact that this practice was abolished by the law in 1976. Dalit workers have joined labour unions or made progress in gaining education and economic mobility. Many Dalit families have left rural areas to live in slums and on the pavements; Inclusive growth has become the buzzword in policy-spheres with recent phenomenon of rapid growth with characteristic patterns of exclusion. The social inequalities have raised questions about welfare approaches of Government planning, Employment generation programmes, social development, infrastructure, health-care and rural diversification very much important especially for the Dalits. This paper highlights the origin of Dalits, Need, socio-economic situation, Inclusive growth and the objectives of the paper is to know the socio-economic situation of dalits, employment generation programmes and various elements of inclusive growth.

Finance and banking is the life blood of trade, commerce and industry. Now-a-days, banking sector acts as the backbone of modern business. Development of any country mainly depends upon the banking system. A bank is a financial institution which deals with deposits and advances and other related services. It receives money from those who want to save in the form of deposits and it lends money to those who need it. The banking is one of the most essential and important parts of the human life. In current faster lifestyle peoples may not do proper transitions without developing the proper bank network. The banking System in India is dominated by nationalized banks. The performance of the banking sector is more closely linked to the economy than perhaps that of any other sector. The growth of the Indian economy is estimated to have slowed down significantly. The economic slowdown and global developments have affected the banking sectors' performance in India in FY12 resulting in moderate business growth. It has forced banks to consolidate their operations, re-adjust their focus and strive to strengthen their balance sheets. Here researcher's objective is to study the Indian banking sector and performance of Indian banks

Madanhipparga village is a historical place which uphold the fame of Karnataka moreover it has occurred good name in the history of Karnataka. The village Madanahipparga it comes in Aland Taluka Gulbarga District. In this village we found that the 'virakti matha' which was built by great saint Shree Shivalinga Swamiji which is a religious Centre. Soon after the coronation of Shree Shivalinga Mahaswamiji there where number of cultural contributions made in culture, social, economics, education, literature, spiritual and religious. Religion and mathadisha are very important to condemn the social blind belief in the society, inequality and social evils are the dangerous to the society.

Mental retardation (MR) is a generalized disorder appearing before adulthood, characterized by significantly impaired cognitive functioning and deficits in two or more adaptive behavior. It has historically been defined as an Intelligence Quotient score under 70. Once focused almost entirely on cognition, the definition now includes both a component relating to mental functioning and one relating to individuals' functional skills in their environment. As a result, a person with a Below-Average Intelligence Quotient (BAIQ) may not be considered mentally retarded. Syndromic mental retardation is intellectual deficits associated with other medical and behavioral signs and symptoms. Non-syndrome mental retardation refers to intellectual deficits that appear without other abnormalities.

Working conditions plays a vital role in the growth and development of organization. If there is good working condition, employees will work in the pleasant manner. If it is vice versa, then it will create stress to the employees. This study is conducted in RR Pvt Ltd to know the perception of the employee towards their working environment. It helps to develop a better environment to the employees

Insurance sector reform in India is likely to increase insurance demand in the country. However the experience of several countries with ?nancial reforms has been that savings have tended to go either way. Using a two-period model we show that in the short run, absent any income or productivity growth, private savings go unambiguously down since market based insurance replaces savings hitherto meant for self-insurance (the precautionary motive). Thus insurance is likely to edge out the precautionary component of savings. This paper deals with growth and modifications of Insurance sector in India.