Volume 12 | Issue 8 |

 Abstract

The National Insurance Commission (NIC) in Ghana is legally mandated to regulate insurance operations, focusing on the impact of insurance on the economy. However, NIC reports show insurance penetration rates of less than 2% in 2020, 2021, and 2022, compared to global and South African averages. This low penetration rate is a significant issue, highlighting the need for improved insurance coverage and regulation. Insurance in Ghana is not contributing effectively to the GDP, leading to low insurance penetration rates. The formal sector, which constitutes 20% of the workforce, is well-structured, but insurers have neglected the informal sector, which has over 80% of the workforce. This results in low insurance penetration and density compared to countries like South Africa. The National Insurance Commission (NIC) has identified micro or inclusive insurance as a tool to increase insurance penetration and density in Ghana. Initiatives aim to stimulate uptake and address challenges in this important sector. This study evaluates the impact of inclusive insurance service delivery in Ghana, focusing on insurance density, penetration, poverty alleviation, economic growth, and development, to determine the sustainability of NIC's position in increasing insurance penetration. Findings from the time series analysis, correlational analysis, and regression analysis were provided by the quantitative data analysis. The study's correlational analysis revealed a significant positive correlation between the economic variables (GDP, population of the informal sector, and poverty reduction) and inclusive insurance (GWP). However, there was only a marginally favorable correlation between GWP and economic expansion. More than 60% of the fluctuation in GWP may be linked to the variation in the corresponding economic variables, according to the coefficient of determination (R2) between GWP and the economic variables (GDP, population of the informal sector, and poverty reduction). Conversely, there was little correlation found in the coefficient of determination between GWP and Economic Growth. In effect, there was consistency in results in terms of the ability of inclusive insurance (GWP) to increase GDP significantly. Inclusive insurance can increase insurance penetration in Ghana by contributing significantly to the Gross Domestic Product. This can be achieved by deepening insurance education and widening its reach. Service providers should offer simple, flexible, and affordable products to meet different sub-groups in the informal sector. Based on the results obtained, the study recommends that inclusive insurance should be prominently featured in the National Financial Inclusion Development Strategy to formalize the informal economy. Collaborations among industry players and the National Insurance Commission should expedite the licensing regime.

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Gross Domestic Product (GDP), Poverty Alleviation, Formal Sector, Informal Sector, Gross Written Premium

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Background: Pilomatrixoma, also known as calcifying epithelioma of Malherbe, is a benign skin tumor originating from hair matrix cells. Fine-needle aspiration cytology (FNAC) is a valuable diagnostic tool for preoperative evaluation, although its accuracy can be challenging due to the tumor's diverse cellular composition. Objective: To evaluate the cytological features of pilomatrixoma using FNAC and to highlight the diagnostic challenges and key characteristics. Methods: FNAC samples were obtained from 3 patients. The samples were stained with Giemsa stain and examined under a microscope to identify characteristic cytological features. Results: The FNAC of pilomatrixoma revealed a distinctive combination of basaloid cells, ghost cells, and foreign body giant cells. Basaloid cells appeared small, round to oval with scant cytoplasm. Ghost cells were anucleate squamous cells with a shadowy appearance. Foreign body giant cells were multinucleated and often surrounded by calcified material.

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Fine needle aspiration cytology of Pilomatrixoma: A Case series

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Cloud computing has matured, and a diverse range of cloud service providers are available. Security issues continue to receive a lot of attention. Concerns regarding privacy and security frequently pose a serious obstacle to users' acceptance of cloud computing methods and the benefits they provide over earlier systems. In a cloud-based setting, biometric technologies can present some challenges related to the administration of biometric data because of privacy laws and the requirement to trust cloud providers. Biometric methods are increasingly the core component of a wide range of guarantee identification as well as private identification solutions. In this research, we present a crypto biometric solution for computing in the cloud that solves those issues without exposing any private biometric data.

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EFFICIENT SECURE DATA RETRIEVAL ON CLOUD USING MULTI-STAGE AUTHENTICATION AND OPTIMIZED BLOWFISH ALGORITHM

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This paper attempt to analyse the integration of financial markets based on time series data of four markets, namely money market, government securities market, stock market and forex market. Time series tools like unit root test, Johnson Co-integration method, Error correction model (ECM) and Granger causality test are applied. Based on study, it was found that money market shows integration with all other markets but there still remains some rigidities in other pairs of markets in the form of capital control. Based on short-term granger causality, it was found that that each market is impacted by forex market but vice-versa is not true. This shows the insignificance of Indian financial sector to impact the vast forex market.

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Financial Integration, Co-Integration, Time Series Analysis, Financial Reforms

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Due to the flood in remote work after the episode of Covid, network security has gained a giant fixation. The issue of mixed-up audit decisions in network security plans has for quite a while been reprimanded, but the meaning of the decision precision has never been overall around as critical as today. In this paper we offer a response for additional fostering the assessment decision accuracy by deciding a method for endpoint careful survey in an association security plan prepared for performing significant package examination. The method utilizes a subset of the protected association to gather hash fingerprints from the endpoint application network traffic plans. The information collected from this subset is then utilized for procuring endpoint care for the rest of the protected organization. We use strategies that work on the application layer of the show stack. This makes the strategy fitting not only for neighborhood executions, as NGFWs and IPSs, yet also for SaaS and SASE game plans. The methodology is, regardless, conveniently utilized with lower layer information, for instance, association and transport layer information, for working system care too. We similarly present a proof-of-thought context-oriented examination where that is the thing we see, of the relevant association affiliations, 100% could be recognized while the functioning system and endpoint application were accessible in the source pack. All things considered, this is the primary method to redesign the assessment cycle accuracy by using a subset of the protected association to secure endpoint care.

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A METHOD FOR ENDPOINT AWARE INSPECTION IN A NETWORK SECURITY SOLUTION

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Political participation of women in almore district of uttrakhand

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Political participation of women in almore district of uttrakhand

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Published in 2008, Aravind Adiga's Man-Booker Prize winning debut novel The White Tiger, has garnered critical acclaim for its unflinching portrayal of contemporary India. This paper will showcase how factors like Social Identity, Hegemonic discourses of the west, India's rapid modernization and how these factors intertwine to create identity crisis. As we delve deeper into Balram's story, we can examine how he grapples with these societal limitations, how they influence his choices, and whether he finds a way to navigate the weight of the world on his shoulders, or if he succumbs to the despair it breeds. Employing a post-colonial framework, exploring the Hegemonic discourses, impacts of western hegemony, global north and south dynamics and the protagonist's quest for social identity, this research examines how Adiga's narrative critiques the impact of hegemonic discourses on the social identity of the underclass in India's social. The analysis reveals that Adiga's protagonist, Balram Halwai, embodies the construct of India's rapid modernization and the presence of hybrid identity. This study contributes to a deeper understanding of how The White Tiger challenges prevailing narratives about the impact of western hegemony in India and the underclass' struggle for identity.

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Post-colonial, Social Identity, Hegemony, Western Hegemony, Rapid Modernization, Hybrid Identity

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Creative Commons Attribution 4.0 and The Open Definition

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PRIVACY-PRESERVING SWARM OPTIMIZATION WITH AUTHENTICATION SCHEME FOR TASK OFFLOADING IN EDGE AND CLOUD COMPUTING

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Published in 2008, Aravind Adiga's Man-Booker Prize winning debut novel The White Tiger, has garnered critical acclaim for its unflinching portrayal of contemporary India.This paper will showcase how factors like caste, class, social Identity and education intertwine to create a complex web of emotions and motivations that shape the very foundation of existential crisis. As we delve deeper into Balram's story, we can examine how he grapples with these societal limitations, how they influence his choices, and whether he finds a way to navigate the weight of the world on his shoulders, or if he succumbs to the despair it breeds. Employing a post-colonial framework, exploring the existentialist philosophy, the role of social influences like caste, class and education, this research examines how Adiga's narrative critiques the corruption of India's social institutions that have crushed an individual's self-esteem. The analysis reveals that Adiga's protagonist, Balram Halwai, embodies the contradictions of India's rapid modernization and the persistence of deep-seated existential crises.This study contributes to a deeper understanding of how The White Tiger challenges the uncomfortable truths about marginalization in contemporary India and the ongoing struggles of the underclass.

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 Keywords

Post-colonial, Existentialism, Caste, Social Identity, Rapid Modernization, Contemporary India, Marginalization

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Published in 2008, Aravind Adiga's Man Booker Prize winning debut novel The White Tiger, has gained critical acclaim for its astute and life-like portrayal of modern India. This paper aims to analyze the themes of class division, neoliberalism, corruption of the privileged, and upward mobility in modern India through the lens of Balram's story in Aravind Adiga's The White Tiger. Implementing a post-colonial framework, this paper delves deep into four key themes that lay the groundwork for the novel's exploration - economic exploitation, poor- rich divide, west-east divide and role of neoliberalism in modern India, furthermore it examines the corruptions and inequalities that continue to affect Indian society through these themes. This analysis unfolds how the protagonist of The White Tiger Balram Halwai tries to challenge India's rapid modernization, corruption, discrimination and inequalities in his own sly manner. In conclusion, this paper aims to identify the need for social reformation while shedding light on some of the harsher, little-known realities of modern India.

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 Keywords

Class division, Economic exploitation, Poor-Rich divide, West-East divide, Neoliberalism, Discrimination, Post-colonialism, Corruption, Inequality, Modern India

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Creative Commons Attribution 4.0 and The Open Definition