Capri- Rising Against the Odds

While most NBFCs in India were hit by the IL&FS liquidity crisis of 2018, some, including Capri Global didn’t just remain unscathed but grew during the turmoil. Non-banking financial investment activities took a sharp dive and out of the 113 NBFCs listed on the BSE Finance index, only 48 gave positive returns with Capri Global Capital gaining the most. Although there has been a lot of speculation about the downfall of NBFCs, such growth clearly signifies that it’s not the end of era but the evolution of it.

At Capri Global, we strongly believe in empowering people to help them unlock their potential through sufficient, timely and flexible financing. We strive for the well-deserved and underserved. The financially weaker loan seeker. And, women with dreams worth working towards. We put people before profits with a purpose that goes beyond enabling individuals or businesses to making a societal impact that spans across the country.

So, what’s the secret sauce that sets them apart and ahead of the curve?

Successful Segmentation- When it comes to running a profitable business, one of the most important criteria to take into consideration is the people you’re targeting. Any product created should focus on solving a real-life problem, rather than cutting costs or maximizing profits. A deep understanding of the Indian economy led Capri to primarily providing credit to the MSME sector and individuals who wish to own a home.
MSME Loans- As one of the engines of growth within our economy that significantly contributes to exports, employment generation and the GDP of India. MSME loans in India are essential for these small organizations to meet their daily expense or consider expansion. However, they aren’t easy to come by because most financial institutions in India deny credit as a consequence of limited documentation or irregular cash flows. Capri Global saw and decided to seize the opportunity that lay latent in the 70 trillion-rupee credit gap in this sector.
Housing Finance- After a few years in the business, the huge shortage of homes among the lower income group came to our attention. Millions of Indians dream of owning a home, but only a fraction have the funds to make this dream a reality. Buying a home is a taxing financial decision, and this is truer for the financial weaker households. Capri home loans that are granted to anticipatory home owner are flexible and customised to meet the borrower’s needs.
Construction Finance- We also contribute the cause of affordable housing by providing loans up to 25 crores to small and mid-sized real estate developers.
Expansion into Tier 2, Tier 3, and Tier 4 Cities- Rapid urbanization and saturation of Tier 1 cities have led a number of booming businesses, like Capri, to venture into smaller cities that lack financing options. We believe that success shouldn’t be evaluated by the profit earned but the number of lives we’ve touched. Smaller cities don’t mean the absence of financial needs. Our understanding of the nuances of the different locations has helped expand our footprint from 5 to 86 branches across North and West India. This strategic move hit two birds with one stone by providing financial aid to people in these cities while also boosting our growth.
Capri Global has grown 7 times in the past 4 years and stay our path of 30% growth y-o-y. What makes this possible is the fact that we put people, whether it’s customers or employees at the heart of what we do. We think of ourselves not as a business, but a catalyst that drives prosperity of Indians regardless of the size of their business, social class or gender. We treat everyone with dignity, respect and equity. We understand the needs of our unique customers and give them support through the application, loan sanctioning process and disbursal of funds. Finally, the transparency and flexibility we deliver helps us build trust with our key stakeholders including our customers, investors, sources of credit and employees.

Questions to Ask Before Choosing a Test Automation Management Tool

Test automation is the biggest thing to have happened to software testing in the recent years and has revolutionized the way organizations approach testing. The widespread popularity of the agile methodology, which focuses on continuous testing, has made test automation a necessity to meet the testing goals of an organization.

There are quite a few test automation management tools available in the market today, such as QARA Test, Watir, Appium, Tricentis Tosca, and more. These tools offer various features dedicated towards making the software QA process easier, faster and more efficient. If you’re looking for an automation tool, here are some key questions to ask in order to figure out which one will meet your requirements.

1] What are your requirements in software QA?

Every automation management tool is different and so before you choose one, you must have a clear idea of your QA requirements. Does your project primarily call for web/desktop testing alone? If it’s only a specific type of application your project requires, then you can opt for a software that caters to that type of application alone. For example, Watir is a platform for QA of web applications.

2] Are there any skilled resources in your organization?

Switching to automation not only calls for investment but also there’s the need to impart training to your staff, unless you already have skilled resources in your organization. If it’s the former scenario, you should choose a tool with a very short learning curve. QARA Test is one such tool that makes you learn automation in just 3 days.

3] What are the different integrations you want your tool to support?

Different test automation management tools support different integrations and what you choose depends on the type of integrations you need for your project. To begin with, closely study the different integrations and their purpose. The most common integrations are JIRA, BrowserStack, BrowseEmAll, SauceLabs, and Jenkins, among others. For example, JIRA integration is for complete test management while BrowserStack and SauceLabs are for grid execution.

4] What programming language is your QA team most comfortable working with?

Having skilled resources is great but what’s more important is the programming language your team prefers to work with. Different tools are built using different programming languages, which makes it very important to choose one wisely. However, a test automation management tool built using the Selenium framework, such as QARA Test, is a clever way to go about it. Even though Selenium is built using Java, it offers support for a host of programming languages, including Perl, PHP, Python, and Ruby, among others.

5] Which platform(s) or browser(s) do you work or intend to work with?

Some QA projects just work with a single browser or platform, such as native mobile apps built for either Android or iOS. However, other projects require you to execute testing simultaneously across multiple browsers and platforms. If your project demands the latter, you should look for test automation tools that offer cross-browser/cross-platform testing.

6] What is your budget?

Your budget is often the deciding factor that you simply cannot ignore. Make a list of all the tools that fulfill the requirements and then go for the one that is most cost-effective. If the tool of your choice does not fall within the budget you set out with, you might have to cut down on a few bells & whistles and get them sometime later.

The Final Word

Discussing with your QA team and the decision makers of your company to figure out the answers to these questions will make it easy for you to choose a test automation management tool that will help you increase test coverage, reduce the testing time and offer other benefits. If you want to share your experience of choosing a test automation tool, drop us a message in the comments section below.

Male Organ Health Maintenance: Learn these Transmitted Infection Facts

An active coupling life is an important part of overall wellbeing for most men; a safe coupling life is key to physical wellbeing and proper male organ health. Unfortunately, many people don’t know all the facts about partner-transmitted infections, including what is tested for and what symptoms may or may not present. This means many adults are at risk for contracting and spreading infections. It’s imperative that people learn about transmitted infection facts to ensure a safe, healthy coupling life.

Who should get tested?

Any man who is engaging in coupling would do well to be tested yearly. Even when barrier protections are used, there’s a chance, though small, that infections may be transmitted. Risk increases if a man has experienced barrier protection breakage or slippage, and if he couples with multiple partners. Men who have unprotected coupling should definitely be tested at least once a year.

It’s especially important for men with symptoms to get tested. The exact tests he receives will depend on his risk level and any symptoms, to be determined by a medical professional. He may request testing that is not deemed necessary as well.

Symptoms

Men need to know what symptoms indicate infection; just as importantly, they need to realize that, sometimes, no symptoms are present.

When men experience itching within the urethra, burning upon urination and abnormal discharge, they may have contracted a social disease, although a more mild cause such as yeast infection may also be indicated. Testing is crucial. The transmitted infections associated with these symptoms are trachomatis bacterial infection, Neisseria bacterial infection and trichomoniasis (caused by the Trichomonas parasite). Only about 30% of people with trichomoniasis develop symptoms, but non-symptomatic people can pass it on regardless.

Another common symptom of certain infections is the presence of bumps or sores on the male organ. Bumps should be diagnosed by a health professional to determine what type they are. HSV infection, warts, molluscum contagiosum and Treponema pallidum bacterial infection may be indicated.

HSV and warts generally don’t cause major health issues, although they are unpleasant and can be itchy or painful. Molluscum contagiosum is benign, while Treponema pallidum bacterial infection can actually kill a person. Early detection and treatment are imperative.

There are many forms of the human papilloma virus (HPV), some of which cause warts, some that cause cervical cancer and others that are benign and have no symptoms. Most people are infected with some form of HPV at some point in their lives, and, usually, their bodies fend off the virus within a couple years.

Human immunodeficiency virus infection begins with symptoms similar to those of the flu – fever, fatigue and swollen lymph nodes. Others include diarrhea and weight loss.

Tests

Trachomatis and Neisseria bacterial infections can be tested for with a urine sample or a swab inside the urethra. Rear end testing should be done if men have received posterior coupling.

Human immunodeficiency virus can be tested for via blood test or a swab of the mouth.

No tests for HPV exist for men. If a man is infected with the kind that causes warts, a visual diagnosis is conducted.

Treponema pallidum bacterial infection can be tested for with a blood test or, if a sore is present, with a swab of the sore.

Non-symptomatic HSV may be tested for with a blood test. If bumps are present, a swab can be taken. HSV tests aren’t always conclusive or reliable.

Trichomoniasis may be diagnosed visually or via swab, although the infection is harder to detect in men.

Molluscum contagiosum can be diagnosed visually.

Optimal male organ care

The importance of safe coupling cannot be overestimated, and regular testing is a key component. Remember that not every infection has symptoms, and not everything can be tested for.

Along with using barrier protection, men can give their male organs the best care possible by using a male organ health crème (health professionals recommend Man1 Man Oil). Such a product will not protect against transmitted infections, but it will keep the skin in optimal condition, thanks to natural moisturizers, and encourage healthy blood flow to the male organ. A healthy, attractive male organ is an important asset for a man’s coupling life, so keep the manhood in peak condition; it’ll invite more action.

Visit http://www.menshealthfirst.com for additional information on most common male organ health issues, tips on improving organ sensitivity and what to do to maintain a healthy manhood. John Dugan is a professional writer who specializes in men’s health issues and is an ongoing contributing writer to numerous websites.