Theoretical Study of Indian Banking System

Banks play a significant part in India's financial system and contribute to economic growth. The banking industry is the foundation of every contemporary economy. It is one of the most significant foundations of the financial industry and plays a crucial role in economic performance. It is crucial for the growth of the nation's economy that financial demands be met; industry and agriculture demonstrate the greatest degree of dedication and accountability. Therefore, the growth of the nation is intimately tied to the growth of banks. Banks should not be seen as money changers in the contemporary economy, but as development leaders. In several economic sectors, they serve a crucial role in aggregating deposits and debt payments. The financial system reflects the country's economic life. Economic vitality is contingent upon the stability and efficacy of the financial system, which in turn is contingent upon a solid and sustainable banking system. A solid banking system that integrates deposits into productive sectors and a melting bank system allow the bank to fulfill its duties to investors. After India's independence, banks play a significant part in the country's social and economic growth. India is dominated by the banking industry, which accounts for more than half of the financial sector's assets. The Indian banking sector has seen a remarkable transformation due to the reforms of the financial industry, which are implemented in phases. In this context, the researcher has conducted an overview analysis of the Indian Banking System, resulting in the current paper.

Prevalence of Nasal Carriage of Methicillin-Resistant Staphylococcus Aureus in Healthcare Workers at Aga Khan University Hospital, Nairobi

Objective: To establish the prevalence of nasal carriage of methicillin-resistant Staphylococcus aureus (MRSA) in healthcare workers (HCW) at Aga Khan University Hospital, Nairobi (AKUHN). Background: Healthcare workers are a major reservoir of MRSA and may play a role in the spread of nosocomial MRSA infections. MRSA can cause significant morbidity and mortality. There is both molecular and epidemiological evidence linking HCW to MRSA outbreaks. Method: A cross sectional study conducted between July and December 2010. Nasal swabs were taken from 246 randomly selected HCW from various departments.MRSA was identified using both phenotypic and genotypic methods. Antibiotic susceptibility testing of all Staphylococcus aureus isolates was done using the broth dilution MIC technique. Results: The prevalence of nasal carriage of MRSA was 0% (95% CI:0.0%-1.5%) while that of methicillin sensitive Staphylococcus aureus (MSSA) was 18.3% (95% CI: 14.0%-23.6%). Carriage of MSSA was significantly higher in males (p=0.001, OR 5.74:2.09-15.77). Carriage was highest among HCW in the intensive care/high dependency units at 37%. Resistance to more than one class of antibiotics was seen in 37.7% of isolates. Prevalence of Panton Valentine Leukocidin (PVL) was 24.4%. Conclusion: The absence of nasal carriage of MRSA by HCW working in AKUHN suggests that they are unlikely to be the source of infections caused by MRSA in patients attending AKUHN. Screening of HCW for nasal carriage of MRSA at AKUHN should be limited to an outbreak setting. The presence of the exotoxin PVL as well as the presence of multidrug resistant strains of Staphylococcus aureus shows that HCW can still be a potential source of infections caused by MSSA.