Article Per Year (5 Year)
p-Index From 2020 - 2025
0.444
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This Author published in this journals
All Journal International Journal of Research Innovation and Entrepreneurship Involvement International Journal of Business
Pandey, Anita
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Characterization of a Phosphate Solubilizing and Pesticide Tolerant Endophytic Bacterium (Pseudomonas sp.) Isolated from Apple Orchards of Himachal Pradesh Khatri, Shakuntala; Shridhar, Vijay; Pandey, Anita
International Journal of Research Innovation and Entrepreneurship Vol 1 No 2 (2020): December 2020
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/ijrie.v1i2.49632

Abstract

Jammu-Kashmir, Himachal Pradesh and Uttarakhand are the core areas of apple production in India. Synthetic chemicals, fertilizers, and pesticides are used for improving the yield in apple orchards. Overuse of phosphate fertilizers, untreated/ treated wastewater, sewage sludge, composts, etc leads to serious conditions in apple orchards. In the present study, enrichment culture technique was used to isolate and screen the pesticide tolerant bacterial strain from apple roots. A bacterial culture, identified as Pseudomonas sp., was obtained to possess phosphate solubilizing and pesticide tolerance properties. It tolerated Ridomil 80%, Meera 71, carbendazim and sulphur 50% up to 1000 µg/ml. The bacterium also showed tolerance to streptomycin up to 50 µg/ml.
Promoting Women Entrepreneurship through Bank Credit: A Study of the NRLM Scheme Patel, Deepshikha; Pandey, Anita
Involvement International Journal of Business Vol. 2 No. 3 (2025): July 2025
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/iijb.v2i3.121

Abstract

The National Rural Livelihoods Mission (NRLM) is a flagship initiative by the Government of India aimed at alleviating rural poverty by promoting women entrepreneurship through Self-Help Groups (SHGs). This study examines the role of bank credit particularly from private and co-operative banks in supporting SHGs in Raigarh District, Chhattisgarh, from 2017 to 2023. This research employed a quantitative descriptive approach using secondary data on credit disbursement and outstanding amounts sourced from bank reports. Trend analysis and percentage achievement calculations were used to assess the performance of private sector and co-operative banks in achieving NRLM credit targets. Literature-based qualitative insights supported the interpretation of institutional practices and challenges. Findings indicate a significant increase in SHG credit support over time, especially from private banks, whose credit disbursement surged post-2020. Co-operative banks demonstrated strong initial involvement, although their credit achievements fluctuated in later years. Overall, both types of banks contributed meaningfully to financial inclusion for rural women, with rising loan amounts and SHG participation. While the NRLM scheme has enhanced economic and social empowerment among women, persistent challenges remain, including limited financial literacy, collateral barriers, and restricted market access. Achievement gaps between targets and outcomes in several years suggest implementation and monitoring issues. The study recommends simplifying credit processes, expanding capacity-building initiatives, and improving access to markets to further strengthen the impact of NRLM.
Co-Authors Khatri, Shakuntala Patel, Deepshikha Shridhar, Vijay