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109 articles for “credit”
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A Case Study on Performance of Credit Rating Agencies: An Overview
Abstract: Credit rating is one of the significant supporting services for the development of debt capital market. Recently, credit rating agencies have also started playing a pivotal role in the development of Indian common stock market by grading IPOs. But the rating agencies and their services are under scanner, particularly after the eruption of recession. In the backdrop of debate over the working of credit rating agencies all over the world, …
Published in Journal of Production Research & Management · Vol. 5, Issue 2, 2015 · pp. 16–23 Read article
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Carbon credits as a key tool in Enhancing Environmental Sustainability in Automobile Industry in India
Abstract: Sustainable development is crucial for overall prosperity of the world. Climate change and the automobile industry have an interesting relationship. long years of environmental policies have been committed to upgrading natural sustainability through accomplishing carbon neutrality or energy utilization effectiveness. This article examines the role of carbon credits as a vital tool in promoting environmental sustainability within the automobile industry. This article research into the specific applications of carbon credits …
Published in Journal of Energy, Environment & Carbon Credits · Vol. 14, Issue 3, 2024 · pp. 1–10 Read article
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A Model of Bidding in Rotating Saving Credit Associations
Abstract: The paper analyzes bidding behavior in discount bidding Roscas under the assumption of risk neutrality. Roscas are group based revolving financial schemes. In discount bidding Roscas, individuals bid for a lumpsum. We find that bids submitted by members in equilibrium are increasing in the returns or opportunities for investment. Further, members submit lower bids when credit is available outside Rosca at expensive rates. A bidding Rosca is efficient as an …
Published in Journal of Production Research & Management · Vol. 7, Issue 1, 2017 · pp. 11–15 Read article
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Credit Card Fraud Detection Using Machine Learning Techniques
Abstract: Credit card fraud has become a significant concern in today's digital economy, with billions of dollars being lost annually to fraudulent transactions. Conventional rule-based approaches frequently prove inadequate in addressing the constantly changing strategies employed by fraudsters. Machine learning methods have emerged as robust solutions for detecting credit card fraud, presenting the capability to accurately identify fraudulent transactions promptly. In this study, we investigate the efficiency of three widely used …
Published in Journal of Open Source Developments · Vol. 11, Issue 1, 2024 · pp. 1–7 Read article
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Evaluation of Credit Risk of Bank Customers with a Hybrid Approach of Data Mining Techniques
Abstract: Credit risk poses the most significant threat to financial and monetary institutions. Banks strive to offer loans that generate high returns while minimizing risk. Achieving this requires the ability to accurately identify and classify credit customers, both individuals and legal entities, according to their likelihood of fully meeting their obligations. This classification is done using relevant financial and non-financial criteria. The primary goal of this study is to assess the …
Published in Journal of Artificial Intelligence Research & Advances · Vol. 11, Issue 3, 2024 · pp. 63–81 Read article
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Cloud-driven Fraud Detection: Evaluating Decision Tree and Random Forest Classifiers for Credit Card Transaction Security
Abstract: With the alarming rise in global financial fraud, necessitating substantial annual losses, modern techniques for fraud detection are continuously evolving across various business domains. Fraud detection involves constant monitoring of user activities to estimate, perceive, or prevent undesirable behaviour. Cloud Computing emerges as a promising solution, accelerating application deployment, fostering creativity and innovation, reducing costs, and enhancing overall business acumen. This study introduces a cloud-driven approach to fraud detection, specifically …
Published in Recent Trends in Parallel Computing · Vol. 11, Issue 1, 2024 · pp. 13–27 Read article
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Enhancing Credit Card Fraud Detection Using Device Fingerprinting and Behavioral Biometrics
Abstract: Credit card fraud is a growing global concern, with financial losses projected to reach $ 43.47 billion by 2028. Credit card fraud poses a major challenge in the financial industry, resulting in substantial financial losses and security risks. This research introduces a Machine Learning-based Credit Card Fraud Detection System designed to improve the accuracy of fraud identification. Due to the imbalanced nature of fraud datasets, SMOTE (Synthetic Minority Over-sampling Technique) …
Published in Journal Of Network security · Vol. 13, Issue 2, 2025 · pp. 40–50 Read article
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Carbon Credits for Making Environment More Clean and More Green
Abstract: Abstract Each and every product has several environmental influences. The products and their engineering processes, consume energy, utilize renewable and non-renewable matter and in a process, generate emission of Green-House-Gases. A product is termed as ‘Green’ when its use and disposal, is sustainable from the environment protection point of view. A Green Product is environment friendly and leaves minimum carbon footprint. Whereas, if a product is unsustainable from the environmental …
Published in Journal of Energy, Environment & Carbon Credits · Vol. 7, Issue 3, 2017 · pp. 17–28 Read article
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A Comprehensive Analysis of Machine Learning Models for Credit Card Fraud Detection
Abstract: This paper presents an indepth comparison of various machine learning models—Logistic Regression, Support Vector Classification (SVC), and Neural Networks (NN)—in the context of credit card fraud detection. The analysis spans multiple performance metrics, including accuracy, F1 score, precision, recall, and computational efficiency. Logistic Regression demonstrates competitive performance in terms of accuracy, but its poor precision renders it unsuitable for fraud detection tasks. Conversely, the Neural Network exhibits balanced precision and …
Published in Journal of Computer Technology & Applications · Vol. 16, Issue 3, 2025 Read article
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Supply Chain Management and Energy Credits in an Assembly Line Automobile Industry for System Optimization
Abstract: AbstractSupply chain management (SCM) is a vital factor to sustain organization in competitive world. In this respect, many organizations and scholars have performed to opt out factors that affect either positively or negatively on SCM. In today’s era, supply chain management has been mandatory in any automobile lines. Supply chain management concerns about the automobile lines in India. Supply chain management emerged in the Indian industries established new methodologies and …
Published in Journal of Energy, Environment & Carbon Credits · Vol. 10, Issue 1, 2020 · pp. 30–54 Read article
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ROLE OF FINTECH ADOPTION IN ENHANCING FARMERS ACCESS TO CREDIT
Abstract: Agriculture is an important part of the Indian economy, but many farmers still face difficulties in getting loans from formal financial institutions on time and at affordable rates. FinTech has developed as a useful digital solution for improving financial access through services such as mobile banking, online loans, and digital payments. This study focuses on how FinTech adoption can help farmers get agricultural credit more easily. It examines the role …
Published in Research & Reviews : Journal of Agricultural Science and Technology · Vol. 15, Issue 3, 2026 Read article
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Card Fraud Detection Using Artificial Neural Network and Multilayer Perception Algorithm
Abstract: Fraud has posed a significant challenge for merchants, especially in the online business sector, over the course of many years. This is primarily due to the advancements in technology that have made credit card transactions a common method of payment. Credit card fraud refers to the unauthorized use of a credit card by an individual for personal purposes, without the owner's consent and with no intention of paying for the …
Published in International Journal of Algorithms Design and Analysis Review · Vol. 1, Issue 1, 2023 · pp. 21–30 Read article
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Use of E-Shopping Trolley using Android Application
Abstract: A Supermarket or hypermarket is a shop that provides a wide variety of products available. The products available in these markets are household products, vegetable, grocery. The main Moto of these markets is to provide all type of products in one place to save time of customers but sometime customers get frustrated because many people are standing in queue for billing purpose, sometimes customer get confused when comparing the total …
Published in Journal of Mechatronics and Automation · Vol. 7, Issue 3, 2020 · pp. 16–20 Read article
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Sustainable Product Design: A Review
Abstract: With the increasing demand of product it become essential to consider sustainability aspects of product design The integration of sustainability into all aspects of product design cycle provides an opportunity to reduce a product’s negative impact on society, environment and economy. There are three issues on which sustainability works that is society, environment and economy. We must integrate the idea of sustainable design into the process of product design in …
Published in Trends in Mechanical Engineering & Technology · Vol. 8, Issue 2, 2018 · pp. 105–109 Read article
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Adoption of Major Climate-Smart Agricultural Practices in Gimbo District, Southwest Ethiopia
Abstract: This study investigates the determinants of adoption of Climate-Smart Agricultural Practices (CSAPs) among smallholder farmers in Gimbo District, Southwest Ethiopia. The focus is on three key technologies: agroforestry, improved seed varieties, and improved livestock feed and feeding practices. Primary data were collected from 384 households through structured interviews, and a multivariate probit (MVP) model was employed to analyze the simultaneous adoption of multiple technologies while accounting for potential interdependencies. Descriptive …
Published in Research & Reviews : Journal of Agricultural Science and Technology · Vol. 15, Issue 1, 2026 · pp. 65–76 Read article
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Financial Knowledge and Agripreneur Success: A Review of the Literature
Abstract: The agricultural sector has experienced a profound transformation in recent years, evolving from a historically overlooked industry dominated by small family businesses into a dynamic and high-tech field. This transformation can be attributed to a multitude of factors, including economic liberalization, reduced market protection, increased access to credit facilities, governmental schemes, subsidies, and shifting societal dynamics. In this comprehensive review, we delve into the intricate relationship between financial knowledge and …
Published in Research & Reviews : Journal of Agricultural Science and Technology · Vol. 13, Issue 1, 2024 · pp. 11–22 Read article
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Climate Change Threat in Jaipur: Mitigating and Sustainable Attributes Through Carbon Footprint Reduction
Abstract: Challenges of climate change are significantly increasing on a forward time scale. Such a phenomenon is predominantly seen in urban sectors where population is rapidly increasing, thereby resulting in extensive resource consumption leading to release of significant carbon footprint. An attempt has been made in the present paper by the authors initially to assess the carbon footprint of Jaipur, Rajasthan on a backward and forward time scale partly to suggest …
Published in International Journal of Climate Conditions · Vol. 3, Issue 1, 2026 · pp. 35–50 Read article
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Advanced Energy Metering and Automated Control System
Abstract: In this paper need for energy efficiency especially combining smart metering with control of load and prepaid billing becomes insistent. An ESP32-based Advanced Energy Metering and Automated Load Control System, is presented in this paper taking advantage of an IoT-capable smart meters, real-time data analytics, motion detector-based automation scheduling, Real-time clock (RTC) module-enabled scheduling, and GSM based prepaid billing notifications. The central controller, responsible for real-time energy monitoring, automated load …
Published in Journal of Control & Instrumentation · Vol. 17, Issue 2, 2026 · pp. 8–15 Read article
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Engineering Strategies for Environmental Sustainability, Green Societies and Way Forward Out of Covid-19 Impacts
Abstract: Environmental health, carbon credits and energy resuscitation and engineering interventions require special attention for public health, greener societies and environmental sustainability. This paper investigated the menace of covid-19 and highlighted strategies for handling the pandemic for green societies, environmental health and economic sustainability. The study recognized concern and effort of health practitioners, engineers, environmental health consultants, hospital designers, operators and health-care workers for effective control of this pandemic. Social distancing …
Published in Journal of Energy, Environment & Carbon Credits · Vol. 11, Issue 2, 2021 · pp. 40–51 Read article
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Criticality Risk Assessment during Transportation and Storage of MTR Spent Fuel Elements
Abstract: Abstract This study aims to evaluate the criticality condition during transporting the spent fuel elements from the temporary storage to the permanent storage by using a Latin American cask. The cask was developed to transport the material testing reactor (MTR) fuel element type. MCNP5 code was used to calculate the criticality, expressed in terms of the neutron multiplication factor (k-effective), for normal and accidental situations using 21 fresh fuel elements. …
Published in Journal of Nuclear Engineering & Technology · Vol. 9, Issue 1, 2019 · pp. 1–6 Read article