(An Autonomous Apex Institute Established by RBI & Banks)
(An Autonomous Apex Institute Established by RBI & Banks)
NIBM working paper series is an initiative to disseminate the initial research outcome of NIBM faculty members. The major research areas are Finance, International Finance, Credit Risk, Market Risk, Operational Risk, Treasury, Agricultural Finance, Economics, Marketing, Strategy, Operations Management, Analytics, Information Systems, and Human Resource Management within the broad areas of banking and finance. These research works are not peer-reviewed. The idea is to share the research outcomes to receive comments and suggestions. Some of the papers are expected to be under review for possible publications in peer-reviewed journals. Any citation of these research papers requires to mention of the appropriate URL with the source, and the date of access.
Paper Number: WP/07/2021
Publication Year: December 2021
Authors:
Naveen Kumar K, naveen@nibmindia.org
Entrepreneurship is seen as a critical factor in promoting inclusive growth and development. Entrepreneurship among the poor women is seen as a survival rather than for growth or development, due to lack of access to formal finance, markets, skills and knowledge. For more than two decades, Mann Deshi Bank …
Paper Number: WP/03/2021
Publication Year: November 2021
Authors:
Smita Roy Trivedi, smita@nibmindia.org
"A revised version of the paper is accepted for publication in Asia Pacific Financial Markets, Springer, Date of acceptance: March 19, 2023"
Paper Number: WP/01/2021
Publication Year: November 2021
Authors:
Naveen Kumar K
Deepankar Roy, d_roy@nibmindia.org
Improved access to formal financial services boosts economic development, decreases inequality, and benefits people at the bottom of the pyramid, more specifically small and marginal farmers, micro and small enterprises, women, and other excluded segments of the population. The digital disruptions and emergence of innovative business models in the …
Paper Number: WP/02/2021
Publication Year: November 2021
Authors:
Partha Ray, pray@nibmindia.org
Subhasankar Chattopadhyay
In comparing the historical experience of structural transformation in two large Asian economies, viz., India and China, we note that the high growth rate in India post-liberalization was marked by an absence of any rapid industrialization. The pace of structural change (i.e., economy moving from predominance of agriculture to …
Paper Number: WP/04/2021
Publication Year: November 2021
Authors:
Dipali Krishnakumar
Smita Roy Trivedi, smita@nibmindia.org
Richa Verma Bajaj
Credit frauds, where a loan turns into bad debt on account of fraudulent activities damage the core business of the banking industry and dent its reputation. While transactionsbased activities like credit card frauds or cybercrimes are captured at a point in time, credit frauds perpetuate over time. We present …
Paper Number: WP/05/2021
Publication Year: November 2021
Authors:
Arindam Bandyopadhyay, arindam@nibmindia.org
Mayuri Saxena
This paper investigates if there exists any inter-linkage between credit risk and liquidity risk and examines key contributing factors to determine both the risks for the scheduled commercial banks in India. We have used a panel data of total 43 public and private commercial banks in India during the …
