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WORKING PAPERS

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 These research works are not peer-reviewed.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.


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Paper Number:  WP/07/2021
Publication Year:  December 2021

Inclusive and Responsible Finance for Enterprises Development: Study of Mann Deshi Bank and Foundation

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 …

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Paper Number:  WP/03/2021
Publication Year:  November 2021

Into The Unknown: Uncertainty, Foreboding and Financial Markets

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"

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Paper Number:  WP/01/2021
Publication Year:  November 2021

Digital Financial Inclusion: Policies and Business Models

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 …

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Paper Number:  WP/02/2021
Publication Year:  November 2021

Sectoral Imbalance, Structural Change and Growth: How Different Are India and China?

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 …

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Paper Number:  WP/04/2021
Publication Year:  November 2021

Loan frauds and Bad Boy Billionaires: A new approach of loan fraud prevention using Natural Language Processing (NLP)

Authors:   Dipali Krishnakumar
Smita Roy Trivedi, smita@nibmindia.org
Richa Verma Bajaj

(Accepted for publication, May 2024), Loan frauds in the Indian banking industry: A new approach to fraud prevention using Natural Language Processing (NLP)' , Asia Pacific Financial Markets, Springer.

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Paper Number:  WP/05/2021
Publication Year:  November 2021

Linkage between Credit Risk and Liquidity Risk in Indian Banks: A Comparison of the Pre & Post Basel 3 Conditions

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 …

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