Académique Journal of Quality
Issue Information
Research Articles
Performance of Indian Public Sector Banks: A Study using CAMEL Approach
Pritam Bose, Soumitra Sankar Das, Sujoy Hazari & Mamoni Kalita
Abstract: Banking sector plays a pivotal role in any economy. The overall growth of any economy highly depends on the performance of banking sector. All the developed nations have a prolonged history of having an effective banking system and also the history says with an ineffective banking system the economy of a country or nations suffers or falls down. Therefore, having an effective banking system is very important. Under these circumstances the present study tries to explore the performance of all the Public Sector Banks (PSB) in India for the period 2018-19 to 2022-23. Moreover, the study uses Camel (Capital Adequacy, Asset Quality, Management Quality, Earning, Liquidity) approach to measure the overall performance of the PSB. The study found that among all the PSB the BANK OF INDIA has come to be one of the best performer according to CAMEL parameters whereas central bank of India and State bank of India are the worst performer according the CAMEL method.
Governance Models and Educational Policy Reforms: A Comparative Study of Public and Private Institutions
Dr. Puneet Kumar Srivastava
Abstract: The governance of higher education institutions plays a decisive role in shaping their strategic direction, quality assurance mechanisms, and responsiveness to policy reforms. In India, the coexistence of a large public sector and a rapidly expanding private sector presents distinct governance challenges and opportunities. This study conducts a comparative analysis of governance models in public and private higher education institutions, with particular focus on their alignment with the National Education Policy (NEP) 2020 reforms. Using a mixed-method multiple-case study design, the research investigates governance structures, decision-making processes, and stakeholder participation, alongside their influence on the implementation of policy mandates related to autonomy, accreditation, and quality enhancement. Data will be collected through policy document analysis, semi-structured interviews with institutional leaders and faculty, and surveys of academic and administrative staff. The study aims to identify best practices and governance-sensitive strategies that can bridge performance gaps between the two sectors, ensuring that both are equally equipped to meet the evolving demands of higher education in India.
Aaranyak’s Role in Reducing Human–Elephant Conflict through Community Participation in Assam
Shrutilekha Barman
Abstract: Human–elephant conflict (HEC) has become one of the most pressing conservation and livelihood concerns in Assam, primarily driven by habitat loss, fragmentation of traditional corridors and increasing overlap between human settlements and elephant ranges. This study examines the interventions undertaken by Aaranyak’s Elephant Research and Conservation Division (ERCD) to mitigate HEC through ecological assessments, corridor mapping, infrastructure risk reduction, habitat restoration and community-based approaches. Using a qualitative, document-based method, the study synthesizes evidence from technical assessments, field reports and community outcomes across multiple districts of Assam. The findings show that ERCD’s integrated strategies—such as solar-powered fencing, early-warning networks, elephant-deterrent crops and livelihood support—have contributed to measurable reductions in conflict incidents, electrocution deaths and crop damage. Ecological research and corridor evaluations have strengthened conservation planning, while community participation has enhanced local preparedness and resilience. Despite persistent challenges, including rapid land-use change and limited resources, the results demonstrate that long-term coexistence depends on multi-layered interventions that combine scientific research with locally grounded mitigation.
Growth of IT Industry in India: Emerging Trends, Sectoral Divergence
Mukshidul Islam
Abstract: This study analyses the recent growth dynamics and structural trends of India’s Information Technology–Business Process Management (IT–BPM) sector using data from the IT-and-BPM-PPT-August-2025 report. The analysis examines revenue expansion, export patterns, workforce trends, firm-level performance, and digital infrastructure development to assess the sector’s evolving role in the global digital economy. Findings indicate sustained growth in IT and BPM services, rising demand for advanced digital skills, and rapid expansion of cloud and data centre infrastructure, underscoring India’s continued strength in technology-enabled services. However, the study identifies persistent challenges, including volatility in software products and ER&D, overdependence on the United States and Europe for export revenues, and cost pressures for hardware- and R&D intensive operations. The results suggest that while the sector has achieved considerable digital maturity, long-term competitiveness requires enhanced R&D investment, technological innovation, and diversification into emerging global markets. The study contributes insights for policymakers, industry leaders, and future research.
Comparative Analysis of Inflation Dynamics in South Asia: Evidence from India, Bangladesh, Pakistan, and Nepal
Uzma Nahid
Abstract: This study provides a comparative analysis of inflation dynamics in four South Asian economies-India, Bangladesh, Pakistan, and Nepal-over the period 1991-2022. Using annual consumer price index (CPI) data from the World Bank and national statistical agencies, the study examines temporal trends, volatility, and determinants of inflation across these countries. Descriptive and trend analyses reveal that India maintained a relatively moderate inflation trajectory, with periodic surges during global shocks, whereas Pakistan experienced persistent high inflation influenced by fiscal deficits, currency depreciation, and administered price adjustments. Bangladesh, primarily an agricultural economy, faced inflationary pressures driven by food price volatility and political instability, while Nepal exhibited pronounced inflation volatility due to structural constraints and subsistence-based agriculture. Stationarity of the series was confirmed through Augmented Dickey-Fuller (ADF) and Phillips-Perron (PP) tests, supporting the use of first-differenced data for econometric modeling. Comparative growth rates and cross-country analysis highlight the heterogeneity of inflationary experiences and the role of structural reforms, agricultural productivity, and policy interventions in mitigating price instability. The findings underscore the importance of coordinated fiscal and monetary policies, agricultural resilience, and socio-political stability in controlling inflation and fostering sustainable economic growth. The study offers evidence-based insights for policymakers aiming to balance macroeconomic stability with growth objectives in South Asia.
Transforming Agriculture and Rural Livelihoods: The Impact and Future of Multipurpose Cold Storage in Tripura
Soumitra Sankar Das, Sujoy Hazari, Mamoni Kalita, Pritam Bose
Abstract: Cold storage units play a vital role in enhancing the agricultural and fishing industries, especially for farmers of rural and local communities. These facilities enable year-round supply, reducing post-harvest losses, improving produce quality, and allowing for better price negotiation, thereby fostering economic resilience. The present study examines the impact of a multipurpose cold storage facility established in South Tripura district, with the assistance RIDF which has a capacity of 2000MT, to supports the storages of varied agricultural products such as potatoes, vegetables, fruits, and betel leaf etc. The findings reveal that the project has been highly effective in improving the income of the farmers, also local infrastructure, and generate employment, with a significant number of respondents acknowledging the adoption of best practices. Despite the significant outcomes from the present investigation, some challenges such as insufficient funding, maintenance issues, and inadequate training were recognized which can be overcoming by policy changes and increased funding allocation were also identified. The study also acknowledge the importance of expanding such initiatives, with 85% of respondents advocating for the development of additional similar projects. The project’s significantly contribute to the economic growth of the state, making it a crucial tool for both sustainable agricultural development and environmental impact reduction.
Enhancing Customers Relationships Management in the Banking Sector Using Machine Learning Approach: An analytical Study of Selected Private Banks in Bhubaneswar, Odisha
Dr. Susmita Das
Abstract: This study focuses on elucidating how leveraging a Machine Learning (ML) model to enhance customer retention and service quality can have several significant impacts. By examining these dynamics, we aim to underscore the significance of a highly integrated approach to innovation, discovery, creation, and customer retention, thereby advancing strategies for sustainable growth and competitiveness in the private sector banks. Customer acquisition remains pivotal for new entrants, while retention emerges as the cornerstone of success for established institutions, offering a cost-effective means of sustaining profitability. CRM practices empower Indian bankers to achieve business objectives by acquiring and retaining valuable customers, integrating them seamlessly into the entire business ecosystem. Yet, despite its criticality, customer retention often takes a back seat to acquisition in the priorities of banking. The mature and robust banking sector has now embraced machine learning (ML) in various capacities within customer relationship management (CRM) and marketing domains. These implementations yield profound impacts on customer loyalty, profitability, and Return on Investment (ROI). As the industry witnesses the emergence of specialised software tailored by IT firms to develop customised CRM solutions, the sector's dynamics, shaped by liberalisation, privatisation, and globalisation (LPG), continue to diversify.
Artificial Intelligence in School Education: Transforming
Teaching, Learning, and Assessment
Dr. Sambhu Sankar Deep
Abstract: One of the biggest changes in the history of formal education is the quick integration of Artificial Intelligence (AI) technologies. In this piece, we examine in-depth, empirically supported ways that artificial intelligence is changing K–12 education globally in terms of pedagogy, learning, evaluation, and school administration. The article examines the transformative potential and serious risks of AI adoption in schools, including algorithmic bias, surveillance concerns, teacher displacement fears, and the widening of digital divides. It does this by drawing on peer-reviewed literature, government reports, longitudinal studies, and empirical datasets from UNESCO, OECD, UNICEF, and top research institutions. Intelligent Tutoring Systems (ITS), adaptive learning platforms, automated assessment, and generative AI tools (like ChatGPT and Khanmigo) are among the other AI-enabled tools included in the article. It concludes with a comprehensive set of policy proposals for the fair, moral, and pedagogically sound integration of AI in classrooms.