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Purpose: The purpose of this paper is to study the awareness level and utilization of various cooperative banking services in rural area especially Dakshina Kannada district of Karnataka. In India, most of the states are agriculture dominated, especially in rural area, cooperative banks play a key role in bolstering the common individual and financing his self -employment/business and personal needs. The awareness and effective utilization of various rural banking services will improve the financial inclusion statistics of the country. To assess the awareness level, 27 services and schemes offered by the cooperative society are taken and classified into different factors. The awareness levels of rural Muslims are compared with different demographical profile to know the difference. Methodology: Data was collected through a structured questionnaire and distributed among rural Muslims cooperative bank account holders. The study is descriptive in nature and data was collected from 398 rural Muslims of five taluks of Dakshina Kannada district. To draw meaningful inferences, scales for reliability, normality assumption, Mann Whitney U and Kruskal-Wallis test were used to analyze, compare and interpret the data. Findings: The results indicate that there are no significant differences among the economic status, income and sub-caste regarding awareness of cooperative banking services and schemes. However, there is a significant difference among the age, residence and occupation regarding awareness of cooperative banking services and schemes. Originality: It may help the service provider to implement services and schemes according to the needs and profile of the rural households in the rural area, in order to have effective utilization of services and to raise the standard of living. Practical Implication: The findings of the study will help the various stakeholders to overcome the problem of financial inclusion especially in rural areas and help to provide need-based financial service to the rural households in the country. Paper Type: Analytical Research

Purpose: The study aims to compare the credit risk minimization between Islamic and conventional banks in Yemen.   Approach/Methodology/Design: This paper is limited to a homogeneous sample that includes the Islamic and conventional banks' coverage as they represent the most significant part of the Yemeni banking sector. Using a descriptive-analytical method, data has been collected by a questionnaire sent by post to each Islamic and conventional bank separately located in Yemen's capital city.   Findings: The study concludes that credit risk is the most critical risk facing banks, and there is a significant difference in credit risk minimizing between Islamic.   Originality/value: The result showed that the banks' most critical risks are credit risks, and there is a significant difference in credit risk minimisation between Islamic and conventional banks. Also, conventional banks possessed a credit risk minimizing system better than Islamic banks. Several recommendations identified where the Yemeni banks, whether Islamic or conventional, should use advanced methods to measure and analyze credit risks.

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Banks extreme importance of the economic stability of the country, as well as great importance when it is working on a compilation of the savings of individuals and reinvest in exchange for the return, as well as the provision of funds to finance projects, which leads to an increase in the gross national product of the country. As the purpose of the study is to understand the bank's stock movement in the Indian capital market through the risk and return factors, which has direct or indirect impact, The objective of the study is to identify the risk and return factors of Indian capital market with regard to select banking sector, to examine the efficiency of CAPM and other risk factors in the Bombay stock exchange (BSE). Along with scope of the limited of the operation of the Bombay stock exchange (BSE). This study is based on the risk-return tool and CAPM to analyze the bank's stock. we found this model to be suitable because it measures the profitability of the selected banks. The result of the study showed that the private banks making better than the public banks in the market and observed that the bank sector is an effective sector in the Indian capital market. The study recommended for public sector banks to attract more investors, it has to make some advantages to present investors and it should make wise decisions while making investments and provide more benefits to the investor.