The smartphone boom has seen augmented usage of mobiledevice across all walks of life. Its inclusion is to such an extent that the Government what it had not achieved in the past it has been able to achieve now. Mobile banking is based on smart phone based or USSD based determined by income and literacy. Financial Inclusion is a much discussed topic in the developing countries even to this day. People in the developing countries have less options for transferring funds and accessing banking services due to lack of infrastructure. So a better facility which helps in accessing the banking services without the visit to the brick and mortar branch Growing facilities, awareness, reachability has improved the accessibility and can be enjoyed by all the income groups. Banking services in India are used by customers by downloading various mobile banking apps on their phones. These services include fund transfers, request for cheque book, bill and credit card payments, loan statements. People can use different government services they need and can access any information about them Thus, mobile banking users are motivated to expand their usage of various financial products/services to enjoy improved access to liquidity and improved financial inclusion. Employment of smartphones has made life easy for both the Government and the people in achieving financial inclusion.

An inspection is implemented to study MHD slip flow of viscous reactive fluid in a convectively heated porous vertical channel. The ordinary differential equation governing the flow field is solved by a semi-analytical method (perturbation series method) where suction/injection is used as a fluid controller in the channel. The results are presented graphically and discussed quantitatively with respect to various parameter embedded in the problem. It is observed that for both suction/injection, increase in Magnetic field parameter, decrease the velocity flow and skin friction.

The invasion of developing countries by hazardous e-waste traders in quests for sites to dispose of their consignments of waste is not a recent phenomenon. These activities have continued regardless and in defiance of the Basel Convention as the main global instrument regulating the Transboundary movement of hazardous wastes. This article therefore provides a concise overview of the effectiveness of the Basel Convention in the fight against the Transboundary movement of e-waste from developed Countries to third world countries. Adopting an analytical research method, it is uncovered that even though the Basel Convention is instrumental in the regulation of Transboundary movements of e-waste to developing countries, its effectiveness is marred by inherent loopholes in the convention, namely: the verification problem in the PIC procedure and the recycling and reuse loopholes amongst others. It is argued that in order to halt the movement of e-waste to developing countries, the recycling and reuse loopholes must be mended. The PIC procedure in the Convention must also be manned with monitoring structures.

Money laundering is a multidisciplinary issue that has gained prominence since the late 1980s. The word "laundering" literally means "to wash" or "to remove dirt." It's been characterized as the transformation of illegal proceeds into assets that can't be linked to the original crime. Money is frequently transferred from one sector to another, and the same money is frequently transferred to another sector in such a way that it is challenging to identify the source. As a result, law enforcement is unable to identify the illicit source. This means through the transaction cycle; money laundering is the process of legalizing black money or transferring the amounts as lawful revenue while hiding the source of the money received. The objective of the study is to have a thorough understanding of the money laundering scenario and how it affects the domestic and global economy, assess the money laundering challenges facing financial institutions, and offer strategic methods for financial institutions to mitigate the risks. Bangladesh is a victim of money laundering and other forms of financial crime. In many ways, the competent authority provides additional opportunities to whiten money. This study first identifies the necessity of anti-money laundering for public and private banks and non-bank financial institutions operating in Bangladesh. The major finding is recurrent amnesties harm corruption and money laundering in Bangladesh. Corruption and money laundering in Bangladesh are projected to decrease if this report adopts recommendations. This will ensure fairness in society in many ways, such as prohibiting criminal activity and will help to prepare sustainable development programs and their achievement and allow honest taxpayers to purchase properties on an equal footing. Bangladesh's government should cooperate with other nations to combat money laundering and constantly upgrade its methods for enforcing laws and regulations.

“For many people in the West, Afghanistan is synonymous with the Soviet War and the Taliban. I wanted to remind people that Afghans had managed to live in a peaceful anonymity for the decades that the history of Afghans in 20th century has been largely pacific and harmonious.’’ Khaled Hosseini: Afghanistan was a different country in the year 1960 than the one that is apparent to us today. It is history how Soviets invaded the Afghanistan and pulled them in war, following Taliban rule and US invasion in 2001.The once peaceful and cherished nation known as ‘graveyard of empires’ is a mirage today. History witness that since 11th century B.C, different empires and forces have tried to gain control over Afghanistan. This paper is a sincere effort to excavate the layers hidden beneath the facade of Afghanistan.

The most frequent type of head and neck cancer is oral cancer (mouth cancer). It usually affects adults over the age of 60. Oral cancer affects your lips, the tip of your tongue, and the roof and floor of your mouth. It also affects the oropharynx, which includes the last section of your tongue and the roof of your mouth, as well as your tonsils and the sides and back of your throat. It is getting a global threat. Excess consumption of Tobacco and alcohol are the key factors of Oral cancer. Sesbania grandiflora is a medicinal plant found in most of the regions of Asia including India. It is full of medicinal properties. Here, in this investigation 33 reported phyto compounds are taken from Sesbania grandiflora and undergone various in silico study. Here, the highly expressed HER 2 protein in oral cancer is targeted. The compounds which pass in computation investigation were docked against the HER 2 protein of Oral cancer. The Sativan was found to be the highest binding affinity scoring molecule among phyto selected from this plant and expected to stop the over expression of HER 2 protein and future drug candidate .

Background: Cholecystectomy is now has become a common abdominal surgery which is mostly laparoscopic in developed countries. In USA, almost 90% of cholecystectomies are laparoscopic. For gallstone surgery, laparoscopic cholecystectomy is considered as a "gold standard". Methods: This study was a cross-sectional study which was conducted at Kumudini Women’s Medical College, Mirzapur, Tangail, Bangladesh. The study was conducted in between March 2020- April 2022. The total sample size for this study was 121. Result: Most of the patients 29(24%) were aged between 20-29 years. Most of the patients 102(84%) were female whereas only 19(16%) were male. Most of the patients 61(50.4%) required 15-30 mint, 54(44.6%) required 30-60 mint and 6(5%) required more than 60 patients. 67(55%) patients stayed in the hospital for only 24 hours whereas most of the patients 42(35%) stayed for 2 days and only 12(10%) had to stay more than 2 days. Dense Adhesion was found in 4(3.3%) cases, Uncontrolled Bleeding in 3(2.5%), Fibrotic Gallbladder in 2(1.7%), and huge distended and thick Gallbladder in only 1(0.8%) case. Most common complication Wound infection was seen in 12(9.9%) patients whereas 4(3.3%) had Biliary leakage, 2(1.7%) had bile duct stricture, 2(1.7%) had Post-site Hernia. Conclusion: Laparoscopic cholecystectomy is considered to have the utmost advantages and is also related with less postoperative complications, reduce hospital stay, reduce the overall morbidity and mortality in comparison with open cholecystectomy.

What did we learn after two and a half years into the COVID-19 pandemic and variants regarding Brazilian higher virtual education? This article revisited the issue, providing an overview of lessons about the challenges and pitfalls of virtual learning and the challenges faced by teachers, and executive education professors in Brazil, regarding live online classes via the Zoom platform through archival research and qualitative interviews. Key findings pointed out (a) a drastic increase in the offer and the number of enrollments and admissions in distance courses instead of classroom teaching, but with fewer conclusions; (b) internet connection issues, (c) increasing absenteeism, (d) distractions, (e) dispersion, (e) lack of interest, and (vi) limited pedagogical resources as barriers to online live classes dispensed with the Zoom platform. This study aims to provide the academic community with a perspective regarding the online live education experience after COVID-19 in Brazil. Finally, this work provides ten lessons learned during the pandemic.

This paper focuses on corruption in tertiary institutions and how it can be tackled through introducing courses and approaches via curriculum development that will build integrity among students, as well as, institutional quality through citizenship and social cohesion. The paper also discussed the concept of corruption, forms of corruption, causes and corruption in tertiary institutions such as bribery, fraud, embezzlement, favouritism, nepotism, among others and its implication for curriculum development in the country. In order to check and eliminate corruption in tertiary institutions, the paper recommended that, social studies, citizenship and value education should be implemented in tertiary institutions to teach about the negative effects of corruption and to create resilience against corrupt practices. Also, stakeholders in education should organize conferences in tertiary institution to re-orientate them on the dangers of corruption with the action statement ‘‘change begins with me’’ in our educational system, effective classroom implementation of curriculum content and the introduction of courses that will imbibe moral consciousness in the business of education at the tertiary level.

The problem that occurs in university study programs is when accreditation is carried out suddenly and unplanned in a structured application system. This condition has an impact on the less than optimal accreditation value. The purpose of this science and technology application is to implement the application of a quality improvement system for study programs based on national accreditation standards. The method of activity with the application of science and technology through the application of application systems, training activities, structured guidance. The target audience is all heads of study programs at the University of Silampari Lubuklinggau (Unpari). The results of the application of science and technology show that the application of a quality assurance system application based on national accreditation standards at universities has been carried out by all study programs and there are 4 (four) study programs that are ready to propose accreditation with national standards. Suggestions require leadership commitment and support from all lecturers for the provision of facilities and funds in accordance with national accreditation standards.

Concrete is used more than water worldwide. The need for Conventional concrete rises in tandem with the demand for concrete as a building material. According to estimates, cement production rose from 1.5 billion tons in 1995 to 4.5 billion tons in 2020. Finding a substitute for Cement concrete, whose production uses the most resources, is therefore inevitable. Researchers have been inspired to create an alternative binder paste to totally replace cement paste by the use of supplemental cementing ingredients such fly ash, silica fume, granulated blast furnace slag, and rice-husk ash. These inorganic amorphous binders will chemically react to form geo polymer concrete, a cutting-edge building material. We use additional cementitious materials in this that react with alkaline activators to create an Al-O-Si-O gel that has a comparable bonding strength to C-S-H gel. Because geopolymer concrete is already somewhat brittle, increasing its flexural and tensile strength is necessary. There are fibres included. In this study, the mechanical properties of geopolymer [M50] concrete with steel fibres were examined by curing it in an ambient condition.

Ovotesticular disorder of sex development (DSD) refers to the co-presence of testicular and ovarian tissue in one individual. Here we report a case of Ovotesticular Disorder of Sex Development in a 42 years old male, presented with abdominal mass and undescended testes who had a normal karyotype. Gonadal dysgenesis should always be kept a possibility in patient with undescended testis. Diagnosis relies on clinical findings, hormonal analysis, gonadal histology, chromosome analysis, and genetic testing.

Background: Hypertension is a non-communicable disease which is an important risk factor for cardiovascular diseases. The prevalence has been documented to be highest in Africa where 46% of the world’s population with hypertension reportedly resides. There is a global concern that hypertension in teenagers and young adults are on the increase and cases are not detected because of inadequate screening in this age group. Objective: To determine the prevalence of hypertension among undergraduates in Rivers State. Materials and Methods: This was a cross-sectional study conducted in Rivers State. The subjects were recruited from University of Port Harcourt, Rivers State University and Ignatius Ajuru University which are the three major tertiary institutions in Rivers State and their ages ranged between 16 and 35 years. Data collected were analyzed using Statistical Package for Social Sciences. Results: A total of 1096 respondents were recruited for the study, there were 570 (52%) males and 526 (48%) females. Sixteen (1.5%) of them were married while 1080 (98.5%) were single. The prevalence of hypertension among the respondents was 21%. Adding salt to meal before eating and noodles consumption were significantly associated with hypertension. Other risk factors which included smoking, alcohol consumption, and physical inactivity, family history of hypertension and/or CVD and use of social drugs were not significantly associated with increased prevalence of hypertension. Conclusion: The prevalence of hypertension was high in this study there was a significant association between hypertension and risk factors such as salt intake and noodles consumption. Health practitioners should enlighten the public on the presence of hypertension in young people. There is also need to create awareness of hypertension even in young adults and promote early lifestyle changes.

The purpose of this study is to examine the weaknesses that arise as a result of IPR as joint property that is not regulated in the legislation regarding IPR and develop IPR as joint property and how to distribute it in case of divorce based on justice value. The method used in this research is socio-legal (Socio-legal Research) which uses primary data and secondary data. Meanwhile, the technique of collecting data is through library research and field studies, and Analytical descriptive data analysis. The results of this study indicate that the IPR legislation in Indonesia does not regulate IPR as joint property because it is heavily influenced by the TRIPS (Trade-Related Aspects of Intellectual Property Rights) agreement, none of which mentions IPR as joint property. As a result, it creates weaknesses, including the positive law of IPR that is unable to answer and provide solutions to the problems of joint property that arise in Indonesian society, making it difficult for law enforcers to make decisions on issues of joint property in the form of IPR, the disparity in decisions by one law enforcer with others, and community rights related to IPR as joint property are not fully obtained by the community. This research also proposes legal reconstruction in the form of a new legal norm/rule, that the economic value derived from all types of IPR including Copyrights, Patents, Trademarks, and Geographical Indications, Trade Secrets, Industrial Designs, Plant Variety Protection, and Layout Designs of Integrated Circuits registered during marriage to become a joint property of husband and wife as long as it is not stipulated otherwise in the marriage agreement and the distribution after the breakup of marriage each gets half as long as husband and wife carry out their responsibilities, obligations, and duties properly in the household, if husband and wife are not / less able to carry out their responsibilities, obligations, and duties well in the household, then the distribution is in accordance with the size of their contribution in the household and the process of creating/discovering IPR. The results of the distribution of joint assets either in a decision or an agreement in front of an authorized official must be recorded at the Directorate General of Intellectual Property Rights because the transfer of IPR Economic Rights will only result in legal consequences for third parties after being registered at the Directorate General of Intellectual Property Rights.

Objective: To estimate prevalence of depression, anxiety, stress and its association with socio-demographic characteristics among patients, waiting prior to elective coronary angiography. Methodology: This cross-sectional analytical study was conducted in National Institute of Cardiovascular Diseases (NICVD). A total of 349 adult patients, waiting for elective angiography were part of this study. DASS-21(Depression, Anxiety, Stress scale-21) was used to assess depression, anxiety and stress among study participants. Data were by using SPSS version 21.0. Chi-square test was performed to estimate the association of demographics characteristics with stress, anxiety and depression. Conclusion: This study concludes that depression and anxiety were significantly associated with educational level and monthly income. Furthermore, stress level was significantly associated with only educational level of the study participants.