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This study examines the correlation between industry-specific loan disbursement and profitability in the banking sector of Bangladesh, with a particular focus on the influence of targeted lending on profitability. The study examines the impact of different variables such as total assets, total revenue, non-performing loans, and sector-specific loans (agricultural, transportation, construction, textile, pharmaceuticals, and food procurement), on profit after tax (PAT) by analyzing data from 41 commercial banks between 2009 and 2022. By employing various techniques such as Pooled Ordinary Least Squares (POLS), Two-Stage Least Squares (2SLS), and the Generalized Method of Moments (GMM), we have determined that total assets have a noteworthy adverse effect on PAT in both POLS and 2SLS models. Conversely, construction loans have a positive influence on PAT in these models. The total revenue consistently has a favorable effect on the profit after tax (PAT) in all models. In the GMM model, transportation loans and textile loans have a notable adverse effect on PAT, but pharmaceutical loans have a slight favorable effect. The presence of non-performing loans, total loans, agricultural loans, and food procurement loans does not have a substantial impact on the profitability after tax (PAT) in any of the models. So overall total revenue, construction loan and pharmaceutical loan have a positive impact on PAT and total assets, transportation loan and textile loan have a negative impact on PAT. This study emphasizes the significance of strategic lending in underdeveloped industries and provides practical implications for banking professionals and regulators to identify high-risk lending sectors and devise measures to improve long-term profitability. [ABSTRACT FROM AUTHOR]

The application of vegetable oil based additive for lubricating oil has attracted considerable interest due to their biocompatibility and multifunctional performances compared to conventional additives. In the present work, we have synthesized homopolymer of castor oil and copolymer of castor oil with styrene by thermal method without any solvent at different percentage composition by using BZP (benzoyl peroxide) as initiator. Characterization of the additives was completed by spectral technique (FT-IR and NMR spectroscopy). The molecular weight of the prepared additives was determined by gel permeation chromatography method (GPC method). Thermo gravimetric analysis (TGA) method was used to study the thermal stability of the prepared polymers. Standard ASTM methods were used to investigate the performance of all the prepared polymers in SN150 mineral oil as viscosity index improver (VII), pour point depressant (PPD) and antiwear. Biodegradability of all the polymers was determined disk diffusion method. From the experimental results, it was found that copolymers are more effective as VII, PPD and antiwear than homopolymer. Moreover, average molecular weight, thermal stability and performances as VII and antiwear increase with increasing the percentage of styrene in copolymers. [ABSTRACT FROM AUTHOR]

Homopolymer of linseed oil and its four copolymers with styrene, 1-decene, isodecyl acrylate and octyl acrylate, respectively, have been synthesized in this present context. The prepared polymers are characterized by NMR and FTIR spectroscopy. The molecular weights have been measured by gel permeation chromatography. Their effectiveness as pour point depressant (PPD), viscosity index improver (VII) and their shear stability in terms of permanent shear stability index have been evaluated in lube oil. The copolymers acted as better PPDs than the homopolymer whereas the homopolymer of linseed oil excelled as VII. Further it was observed that all the prepared polymers were stable enough under severe mechanical shear. [ABSTRACT FROM AUTHOR]

The purpose of this study is to investigate the effects of lean philosophy on a firm's financial performance. Although a large number of studies provide evidence about the benefits of implementing lean management, there is very little systematic and rigorous research investigating financial benefits derived from lean management. The study analyzes horizontal performance comparing lean firms' performance with the industry average and formulates ordinary least squares (OLS) to test the benefit of adopting lean management. The results of the study suggest that lean management can improve financial performance significantly. These findings will encourage managers of non-lean firms to think about implementing lean management. These findings will also work as a guide for lean firms as although lean management can improve the financial performance significantly, but, to perform at or beyond the industry averages, they need to focus on efficient and effective uses of lean management. [ABSTRACT FROM AUTHOR]

The purpose of this study is to investigate the effects of lean philosophy on a firm's financial performance. Although a large number of studies provide evidence about the benefits of implementing lean management, there is very little systematic and rigorous research investigating financial benefits derived from lean management. The study analyzes horizontal performance comparing lean firms' performance with the industry average and formulates ordinary least squares (OLS) to test the benefit of adopting lean management. The results of the study suggest that lean management can improve financial performance significantly. These findings will encourage managers of nonlean firms to think about implementing lean management. These findings will also work as a guide for lean firms as although lean management can improve the financial performance significantly, but to perform at or beyond the industry averages, they need to focus on efficient and effective uses of lean management. [ABSTRACT FROM AUTHOR]