ijfb: A Pathfinder

This is a computer-generated pathfinder created against the Distant Reader study called ijfb.

Each Distant Reader study carrel is composed of many individual items. Each item is bibliographically described with author, title, date, summary, and keyword values. Below is a list of the items' most signficant keywords as well as lists of the items themselves. Purpusing the content of this pathfinder provides the student, researcher, or scholar with one way to get their heads around the scope of the carrel. The keywords include:

Finance; Banks; Indian; Market; Performance; Management; Risk; Impact; Analysis; Data; Investment; India; Model; Growth; Companies; Value; Economic; Factors; Sector; Covid-19; Insurance; Capital; Services; Transactions; Trading; Union; Matrix

Depending on how this pathfinder was created, many of the bibliographic sections will include elaborations on the meaning(s) of the given keywords. These elaborations were generated by feeding the items' summaries to a large langauge model and asking the model to address the question, "What is X?", where "X" is the keyword. The result will be a few sentences of elaboration. Be forewarned. The elaborations are often plausible, but they should not be take as truth. Instead, they should be taken as points for consideration.

• IMPACT OF INFORMATION TECHNOLOGIES’ INVESTMENTS ON THE PROFITABILITY OF TUNISIAN BANKS: PANEL DATA ANALYSIS by Romdhane, Syrine Ben (2021) - This has resulted in a lack of empirical validation on the impact of IT on bank profitability. In the following, we will present a literature review on the effects of IT investments on productivity, then on the evolution of bank profitability. Keywords: banking; banks; effects; finance; impact; indian; investments; journal; model; performance; productivity; profitability; results; roa; size; variable
• THE ROLE OF INFORMATION TECHNOLOGY IN IMPROVEMENT OF QUALITY OF THE FINANCIAL REPORTS PREPARED BY THE COMMERCIAL BANKS IN BANGLADESH by Sina, Md. Abu; Chowdhury, Md. Shahnur Azad; Shakib, Md. Tafhim; Akter, Sultana; Arafat, A. B. M. Yasir (2021) - Salehi and Torabi (2012) carried out a study named The Role of Information Technology in Financial Reporting Quality: Iranian Scenario to find out the impact of IT on financial reporting systems by hypothesis testing through T-Test, ANOVA, and Duncan's Test using an organized questionnaire. Therefore, the purpose of this research is to examine analytically the relationship between the use of Information Technology and the quality of financial reporting. Keywords: accounting; banking; finance; indian; information; journal; quality; reporting; research; sampling; study; technology
• THE SPILLOVER OF THE COFFEE: MATERIAL MISSTATEMENTS AT (UN) LUCKIN COFFEE INC. by Kukreja, Gagan (2021) - Surprisingly, that is a small ratio of the eye-watering growth demonstrated by Luckin coffee. Jian Liu served as Head of Yield Management before taking on the positing of Chief Operating Officer at Luckin coffee. Keywords: china; coffee; company; finance; luckin; muddy; report; research; sales; starbucks; stores
• INDIAN IT FIRMS CREATING MANAGEMENT CODES FOR FOREIGN EXCHANGE RISK by Shankar, Nitin; Beena, Fatima (2021) - The extensive expanse of geographical coverage also translates into foreign exchange risk; hence foreign exchange risk management becomes an important strategy. Findings: The impact of foreign exchange risk management was significant on small-cap I.T. companies for the study period. Keywords: exchange; exchange risk; exposure; finance; indian; journal; management; risk; risk management; study
• MODELING SOUTH AFRICAN STOCK MARKET VOLATILITY USING UNIVARIATE SYMMETRIC AND ASYMMETRIC GARCH MODELS by Rusere, Warren; Kaseke, Forbes (2021) - Structural breaks and GARCH models of stock return volatility: The case of South Africa. Modeling and forecasting stock return volatility in the JSE Securities Exchange (Doctoral dissertation). Keywords: crisis; effect; equity; finance; garch; index; information; journal; market; model; prices; returns; series; stock; volatility
• UNDERSTANDING DETERMINANTS OF DOMESTIC MERGERS AND ACQUISITIONS THROUGH LITERATURE REVIEW by Kapil, Sheeba; Dhingra, Kanika (2021) - In comparison to other years like in 2018, when the number of deals were all time high at 1870; Covid 19 has pulled down the activities of Mergers & Acquisitions by dipping the number of mergers activity. The increase in mergers activity, though has slow down during 2021 than past years but still insistently occurring in Asian regions as well as India. Keywords: acquisitions; banking; border; business; country; cross; determinants; domestic; economic; factors; finance; firms; indian; international; journal; management; market; mergers; research; studies
• FINANCING MICRO AND SMALL ENTERPRISES: ASSESSING THE IMPACT OF MUDRA LOANS IN AN EMERGING ECONOMY by Mahajan, Yogesh (2021) - In the last decade, researchers have analysed the growth of bank loans for the MSME sector. It was observed by authors that both male and female borrowers have similar perceptions of financial problems, while demanding bank loans and have a similar priority. Keywords: business; credit; data; employment; enterprises; finance; generation; impact; india; journal; loan; micro; mudra; mudra loan; research; respondents; small; smes; study
• MEASURING ATTITUDE TOWARDS MUTUAL FUND INVESTMENT DECISIONS: EVIDENCES FROM TRIPURA, INDIA by Singh, Ranjit; Deb, Sujit; Pandiya, Bhartrihari; Gope, Arjun (2021) - To collect primary data, a scale was constructed to measure attitude of bank employees towards mutual fund investment. To ascertain the impact of attitude on mutual fund investment, ordinal logistic regression was used. Keywords: attitude; bank; employees; finance; fund; investment; investors; journal; management; singh; study
• EVALUATION OF A NATIONAL LEVEL SCHEME FOR UPLIFTING RURAL POPULATION THROUGH FINANCIAL INCLUSION IN A DEVELOPING COUNTRY: EVIDENCES FROM RURAL INDIA by Goel, Utkarsh; Kumar, Shailendra (2021) - This research is dedicated to verifying the roles of government and banks in claiming all such above mentioned core objectives of financial inclusion schemes, with evidences from the PMJDY scheme launched in India. The questionnaire was constructed based on the theoretical model built after an extensive review of literature in the field of financial inclusion. Keywords: availing; banking; benefits; finance; financial; http://www.cribfb.com/journal/index.php/ijfb; inclusion; india; people; pmjdy; relationship; scheme; services; status; study; support; variable
• DOES THE FINANCIAL PERFORMANCE OF ISLAMIC BANKS ARE HIGHER THAN THE TRADITIONAL BANKS IN BANGLADESH? PANEL DATA ANALYSIS by Gazi, Md. Abu Issa; Talukder, Md. Aminuzzaman; Molla, Md. Sazib; Hossain, Mobarak; Hossain, Abu Ishaque (2022) - They found Islamic Islamic banks of Malaysia more productive than others countries. Indian Journal of Finance and Banking Vol. 9, No. 1; 2022 ISSN 2574-6081 E-ISSN 2574-609X Published by CRIBFB, USA 33 DOES THE FINANCIAL PERFORMANCE OF ISLAMIC BANKS ARE HIGHER THAN THE TRADITIONAL BANKS IN BANGLADESH? Keywords: bangladesh; banking; banks; conventional; efficiency; finance; growth; islamic; journal; performance; ratio; table
• COMPARATIVE ANALYSIS OF EMPLOYEES’ PERSPECTIVE ON ASSET-LIABILITY MANAGEMENT IN BANKS by Tanwar, Jyoti; Vaish, Arun Kumar; Rao, NVM (2022) - .175 .757 .967 .814 .367 .716 .372 .005 a.Grouping Variable: bank H0: There is no difference between public banks and private banks regarding the understanding and implementation of ALM. H1: There is a difference between public banks and private banks regarding the understanding and implementation of ALM. Keywords: alm; asset; banking; banks; finance; indian; interest; journal; liability; liability management; liquidity; management; percent; respondents; risk; risk management
• DETERMINANTS OF FINANCIAL WELLNESS OF RURAL HOUSEHOLDS IN THE HILL DISTRICTS OF UTTARAKHAND: AN EMPIRICAL APPROACH by Purohit, Ajay; Chopra, Gaurav; Dangwal, Parshuram G (2022) - Financial inclusion, financial behavior, financial attitude, financial literacy are other terminologies associated with financial wellness in multiple studies. According to (PwC, 2020), (PwC, 2014) employee financial wellness survey, financial wellness is significantly correlated with financial literacy for decision-making and financial behavior towards savings, investments, credit, and others. Keywords: analysis; attitude; banking; behavior; cash; finance; financial; households; income; journal; knowledge; literacy; management; research; rural; savings; study; wellness
• DOES CORPORATE SOCIAL RESPONSIBILITY ADD VALUE TO THE INDIAN BANKING SECTOR? by Gaba, Nitika; Madhumathi, R. (2022) - We accept our hypothesis 3 that banks CSR scores increases its return of assets. Second, there is a positive relationship between CSR, earnings quality and expected operating performance confirming the sustenance of CSR value creation for banks. Keywords: activities; banking; banks; business; commitment; corporate; csr; earnings; finance; firm; impact; journal; management; market; market value; operating; performance; responsibility; risk; value
• A COMPARATIVE STUDY ON THE IMPACT OF COVID PANDEMIC PARANOID ON INVESTMENT BEHAVIOUR OF BANKING AND NON BANKING PROFESSIONALS IN INDIA by Sendilvelu, Kannadas; Parthasarathy, Srikanth (2022) - Bank fixed deposits, savings accounts, public provident funds, mutual funds, stock market investments, and bonds all had statistically significant differences in knowledge levels. As a result of negative emotions and pessimism, investors stop making financial investments in the stock market, resulting in lower stock market returns. Keywords: banking; behaviour; covid; finance; impact; investment; investor; journal; market; pandemic; research; study
• ANALYSIS OF THE FACTORS AFFECTING THE FINANCIAL PERFORMANCE OF INSURANCE COMPANIES LISTED ON THE PALESTINE STOCK EXCHANGE by Barakat, Firas S. Q.; Hussein, Jawad; Mahmoud, Oroubah A. R.; Bayyoud, Mohammed (2022) - The need for Palestinian insurance companies to pay attention to the required solvency margin set by the Palestinian Capital Market Authority of 150%, because of their positive and significant impact on the financial performance of insurance companies. Palestinian insurance companies should take into account the careful management of claims, which are the largest payments in insurance companies, and a careful study of the risks when underwriting insurance policies. Keywords: analysis; assets; audit; board; claims; company; effect; factors; finance; impact; insurance companies; journal; model; performance; results; return; size; solvency; study; test; variables
• MAKING A COMPELLING CASE FOR ESG & ISLAMIC FUNDS: AN EMPIRICAL INVESTIGATION IN COMPARISON WITH CONVENTIONAL FUNDS by Abdullah, Aasim; Rao, Ullas (2022) - The purpose of this research is to analyze and evaluate the performance of ESG funds and Islamic funds vis-à-vis conventional mutual funds, whereby ESG funds and Islamic funds take into account environmental, social, governance and Shariah-based factors into account during portfolio structuring. In reference to the one-sample t-tests, the preliminary descriptive analysis was corroborated further, as the tests showed considerable significance levels in Islamic funds and ESG funds, and zero significance concerning the conventional funds (Tables 1, 2 and 3). Keywords: bonds; cimb; equity; esg; esg funds; factor; finance; funds; global; growth; investment; islamic; journal; market; performance; portfolio; returns; sample
• THE SHORT- TERM CORONAVIRUS (COVID-19) PANDEMIC EFFECT: AN EMPIRICAL INVESTIGATION OF INDIAN STOCK MARKET (BSE) by Afzal, Mohd Atif; Khan, Nasreen; Mohammad, Abdul Saboor; Taqi, Mohd (2022) - The study has taken account of the movement of stock market indices (here BSE) as dependent variables, discussed in next section. Widespread acceptance of this methodology is evident by application of ARCH and GARCH in many econometric studies such as financial time series (Bollerslev, Chou, and Kroner, 1992; Bollerslev, Engle, and Nelson, 1994) and stock market studies (Garg & Bodla, 2011; Keywords: banking; bond; bse; covid-19; economic; finance; fmcg; impact; index; indian; indices; journal; march; market; models; s&p; sensex; stock; study; table
• FACTORS IMPACTING LIQUIDITY OF BANKS: AN EMPIRICAL STUDY FROM THE BANKING SECTOR IN THE UAE by Kapur, Manoj; Banerjee, Arindam; Malik, Kunjana (2022) - The study also finds that other macro-economic indicators such as interest rates, NPLs, and GDP serve as factors that have a significant impact on bank liquidity risks. Bank liquidity risk and performance: an empirical study of the banking system in Jordan. Keywords: analysis; assets; banking; banks; factors; finance; impact; journal; liquidity; liquidity risk; market; regression; research; risk; study; table; test; variables
• ijfb-1815 by None (None) - Factor analysis is used to investigate the factors that impacted customer engagement in digital payment, before and after the Covid-19 pandemic. The Pandemic has given rise to the need for contactless payment and this fact has significantly increased the use of digital payment. Keywords: analysis; banking; covid-19; data; digital; factor; finance; fintech; inclusion; journal; lockdown; payment; study; table; transactions; use; variables
• DIVIDEND POLICY: A BIBLIOMETRIC ANALYSIS by Saini, Divya; Sharma, Priti (2022) - Andres et al. (2009) in their paper titled as “Dividend policy of German firms A panel data analysis of partial adjustment models” used dividend policy, payout policy, dividend smoothing, corporate governance as keywords. Dividend policy refers to the financial policies regarding payment of dividend. Keywords: analysis; authors; banking; citations; dividend; dividend policy; figure; finance; journal; keywords; policy; study
• THE GROWTH TRAJECTORY OF UPI-BASED MOBILE PAYMENTS IN INDIA: ENABLERS AND INHIBITORS by Kumar, Abhishek; Choudhary, Rajesh Kumar; Mishra, Saroj Kumar; Kar, Sanjay Kumar; Bansal, Rohit (2022) - Google Pay, PhonePe and Paytm were early drivers of UPI payments. The data from NPCI shows that even a pandemic like Covid- 19 has minimal effect on UPI payments. Keywords: banking; bhim; business; cent; consumer; data; digital; finance; growth; india; journal; kumar; market; mobile; money; npci; payment; services; study; technology; transactions; upi; users; years
• DEPICT THE ROLE OF FACTORS AFFECTING BEHAVIOR OF INVESTORS TOWARD SETTING THE INVESTMENT AVENUES AND CHOOSING THE BEST INVESTMENT PLATFORM: AN EMPIRICAL ANALYSIS by Sharma, Suraj; Tripathi, Ashish (2022) - Before making an understanding of financial factors affecting the behavior of investors: firstly, we can know about a conceptual glimpse of behavioral finance and then go for getting knowledge about investment factors. Moreover, another aspect of the study, financial services, was likely influenced by domicile, income, and financial literacy factors. Keywords: avenues; behavior; decisions; factors; finance; groups; investment; investors; literacy; post; study
• CORPORATE GOVERNANCE AND FIRMS’ PERFORMANCE: EVIDENCE FROM DHAKA STOCK EXCHANGE by Hasan, Shaikh Masrick; Hossain, Sk. Alamgir; Islam, Roushanara; Hasan, Md. Mahedi (2023) - Greenmail: A study of board performance in corporate governance. Separating the roles of CEO and chairman does not have an impact on corporate performance, as shown by Omran, Bolbolc, and Fatheldin (2008) although Rouf (2011) found a significantly positive relationship between the CEO duality and firm performance. Keywords: assets; bangladesh; board; committee; directors; finance; firm; governance; journal; performance; relationship; return; size; study; variables
• DEMYSTIFYING THE MISERY BEHIND LOAN APPS IN INDIA by Saritha, Mora (2023) - Amount of loan: The amount lent via digital loan apps ranges from Rs. 2,000 to 10,000 (Chadha, 2022). This paper is limited to the general overview of loan app lending happening in India. Keywords: apps; borrowers; data; digital; finance; india; lending; loan; paper; rbi
• TO INVESTIGATE THE TREND AND EXPANSION OF PRIVATE EQUITY INVESTMENT IN INDIA by Lakhotia, Rithvik (2023) - >F 0.001 0.003 Regression analysis showed that time was a significant factor in explaining the variations in PE investment value and volume, with growth rates of 5.4% and 3.4% per quarter, respectively (Tables 6 and 7). Unlike publicly traded stocks, PE investments provide financial backing to private businesses, often to actively influence their growth and development. Keywords: data; equity; finance; growth; india; investment; investors; journal; market; private; value; volume
• PRACTICALITIES OF AGENT BANKING FOR FINANCIAL INCLUSION IN RURAL AREAS OF BANGLADESH by Kabir, Mohammad Rezaul; Fatema, Kaniz; Das, Ashok Bijoy; Barman, Nityananda Chandra (2024) - This section examines the relationship between agent banking agents, outlets and each of the agent banking practices variables (agent account holders, deposit, loans, utility bills payments, remittance). P-ISSN 2574-6081 E-ISSN 2574-609X Journal homepage: https://www.cribfb.com/journal/index.php/ijfb Published by American Finance & Banking Society, USA PRACTICALITIES OF AGENT BANKING FOR FINANCIAL INCLUSION IN RURAL AREAS OF BANGLADESH Mohammad Rezaul Kabir (a) Kaniz Fatema (b) Ashok Bijoy Das ( Keywords: account; agent; agent banking; areas; bangladesh; banking; finance; inclusion; journal; number; services; study; year
• A CASE STUDY ON RISK MANAGEMENT SYSTEM OF A RURAL COOPERATIVE BANK IN INDIA by Nikam, Aditya (2024) - The purpose of this study is to examine liquidity risk, interest rate risk and credit risk of a District Cooperative Central Bank (DCCB) having good financial position as per the C, A, E and L components of CAMELSC model. Interest rate risk deservedly requires attention from both bank regulators and management. Keywords: assets; bank; banking; credit; finance; interest; liquidity; loans; management; model; nabard; rate; risk; risk management; study; total
• SHIFT FROM BANK DEPOSITS TO INVESTMENTS IN INDIA: IMPLICATIONS FOR BANKING STABILITY by Mundhara , Rukmini (2025) - The dependent variables examined are the volume of household bank deposits (in INR crore) and the volume of investments in mutual funds and equities (in INR crore), representing the key channels through which households allocate their financial assets. Data from the Reserve Bank of India (2023a) and AMFI (2023) reveal a consistent decline in the growth rate of household deposits, alongside a significant increase in SIP registrations and mutual fund assets under management. Keywords: analysis; banking; deposits; finance; financial; growth; household; india; investment; journal; literacy; platforms; research
• TESTING SEMI-STRONG FORM MARKET EFFICIENCY: THE CASE OF INDIAN PHARMA SECTORS by Joshi , Janvi ; Joshi , Krunal (2025) - Overall, the study finds that the Indian pharmaceutical sector exhibits only partial adherence to the semi-strong form of market efficiency, as investors appear to prioritize immediate financial outcomes over comprehensive strategic fundamentals. At the sectoral level, the pharmaceutical industry provides a distinct context for testing market efficiency, given its high reliance on innovation, regulatory compliance, and strategic investment decisions. Keywords: efficiency; finance; indian; intent; joshi; journal; market; stock; tobin
• GREEN BANKING INITIATIVES FOR SUSTAINABLE DEVELOPMENT: PRACTICES AND PERFORMANCE OF COMMERCIAL BANKS by Mathur , Shaifali ; Lakhani , Sakshee (2025) - This study examines green banking practices across 10 commercial banks (5 public, 5 private) in Jaipur, India, focusing on their impact on banks' environmental Performance. Environmental Performance in the banking sector is intricately linked to the adoption of green banking practices. Keywords: analysis; banking; banking practices; banks; changes; factor; finance; green; impact; initiatives; journal; performance; practices; sector; study; sustainability
• The Executive Mechanism of Rastin Profit and Loss Sharing (PLS) Banking by Bidabad, Bijan; Allahyarifard, Mahmoud (2019) - In the case of Pazireh Certificate, the bank undertakes to change Pazireh Certificates owners to shareholders of the investment project, and there is no responsibility for PLS bank to pay back the depositors and entrepreneur and responsibility of the bank will be finished after completing the above transformation. PLS banking will use new financial instruments and innovations such as Mosharaka (partnership) Certificates for projects with specific ends and Pazireh (Subscripted) Certificates for endless (productive) projects. Keywords: banking; bidabad; bijan; certificates; depositors; entrepreneur; finance; islamic; journal; loss; mosharaka; pazireh; pls; pls banking; profit; project; vol
• Insurance Products in Rastin Profit and Loss Sharing Banking by Bidabad, Bijan (2019) - Bank Information Disclosure, Financial Transparency and Corporate Governance in Rastin Banking, International Journal of Shari’ah and Corporate Governance Research, 2(1), 1- 13. https://www.cribfb.com/journal/index.php/ijscgr/article/view/257 http://www.bidabad.com/doc/shafafiyat-en.pdf Bidabad, Bijan, Mahshid Sherafati, (2015) Financial Transparency, Governance and Public Disclosure for Entrepreneur (Financial Resource Receiver) in Rastin Banking System. Standards for monitoring are based on Rastin Banking articles of the executive bylaw. Keywords: banking; bidabad; bijan; certificate; finance; insurance; international; islamic; journal; loss; pls; project; rastin; sharing; subsystem; vol
• Liquidity and Asset Pricing: Evidence from Indian Stock Market by Bhattacharya, Sharad Nath; Bhattacharya, Mousumi; Jha, Sumit Kumar (2020) - Conclusion The modified (Amihud, 2002) measure is significant in explaining stock market liquidity in the Indian context. Pástor & Stambaugh (2003) show that stocks with higher sensitivities to market liquidity have higher returns on US stock exchanges; thus, supporting that market liquidity is an essential factor in asset pricing. Keywords: asset; finance; indian; journal; liquidity; market; premium; returns; risk; stock
• Antecedents of Financial Inclusion: Evidence from Tripura, India by Singh, Ranjit; Roy, Sankharaj; Pandiya, Bhartrihari (2020) - Fitting ordinal logistic regression model, it was found that, the important factors that have an impact on financial inclusion on the members of the SHGs are financial awareness, ease of banking and economic status of the members, the relevance of financial products, physical infrastructure, monthly income, landholding, education, age and their status with respect to the BPL category. To attain inclusive financing, certain programs by banks like linkage programs were initiated to give financial services targeting the poor to alleviate their economic situation rather than their dependence on informal systems of credit (Abiad, Cuevas, & Graham, 1988). Keywords: analysis; banking; economic; factors; finance; financial; financing; inclusion; income; journal; level; members; products; services; shg; singh; table
• Impact of Cash Deals and Related Industry Merger on Synergies Gains: A Case of Indian M&A by Kalsie, Anjala; Singh, Neha (2020) - Are cash acquisitions associated with better post combination operating performance than stock acquisitions?. Does the management’s forecast of merger synergies explain the premium paid, the method of payment, and merger motives? Keywords: acquisitions; assets; cash; corporate; finance; firm; indian; industry; journal; merger; model; net; operating; payment; performance; post; probit; results; study; synergies; test; variable
• PROFITABILITY OF ISLAMIC BANKS: A PANEL DATA ANALYSIS by Bakkeri, Amine; Ali, Abdelhakim Ben (2020) - Is Islamic bank profitability driven by same forces as conventional banks?,International Journal of Islamic and Middle Eastern Finance and Management, 9(1), 46 – 66. Indian Journal of Finance and Banking Vol. 4, No. 3; 2020 ISSN 2574-6081 E-ISSN 2574-609X Published by CRIBFB, USA 26 PROFITABILITY OF ISLAMIC BANKS: A PANEL DATA ANALYSIS Amine Bakkeri Faculty of Economics and Management of Sfax University of Sfax, Tunisia E-mail: bakkeriamine@gmail.com Abdelhakim Ben Ali Faculty of Law, Economics and Management of Jendouba University of Jendouba, Tunisia E-mail:benali.abdelhakim@gmail.com ABSTRACT This article aims to examine the impact of internal and external factors on the profitability of 30 Islamic banks operating in the Middle East and North Africa over a period from 2005 till 2018. Keywords: banking; banks; effect; finance; impact; islamic; journal; management; performance; profitability; quality
• An Evaluation of the Role of Commercial Banks in Financing Small and Medium Scale Enterprises (SMEs): Evidence from Nigeria by Gololo, Ibrahim Aliyu (2017) - It is recommended that Nigerian commercial banks should embrace risk-averse behavior in respect of loans to SMEs, interest rate should be review for SMEs loans by Central bank of Nigeria and increase SMEEIS contribution by commercial banks. 2.4 Financing Problems of Small and Medium Scale Enterprises (SMEs) in Nigeria The problem of SMEs financing received tremendous research efforts from researchers. Keywords: banks; business; credit; development; enterprises; finance; financing; loans; medium; nigeria; role; scale enterprises; sector; smeeis; smes
• Effects of Capital Structure and Board Structure on Corporate Performance of Selected Firms in Nigeria by Akani, Henry Waleru; Ifechi, Kenn - Ndubuisi Juliet (2017) - Abstract This paper seeks to examine the effect of capital structure and board structure on firm performance in Nigeria using secondary data consisting of forty listed companies on the Nigerian Stock Exchange (NSE) within the period of 2008 to 2016. 1. Introduction Generally speaking, the issue of capital structure and board structure (under the corporate governance) are salient areas in corporate finance that are essential for the maximization of shareholders returns, wealth maximization, smooth running of firms operation and even the ability of firms to survive amidst competitions. Keywords: board; capital; capital structure; debt; directors; equity; finance; firm; journal; performance; relationship; roa; roe; size; structure
• An Empirical Analysis on the Future Economic and Financial Growth of the Banking Sector in Nepal by S, Nisa.; Kharel, Kushal Krishna (2017) - Data Analysis and Interpretation In Nepal, Nepal bank limited was the first bank in the modern banking system which was established in year 1937 A.D. The central bank of the country was established in 1956 A.D. The decreasing population per branch is also the witness of increasing financial access in Nepal. Keywords: access; banking; finance; financial; kbl; loan; mid; nepal; npr; number; total; year
• Development and Terrorism in Nigeria: Co-Integration and Causality Analysis of Macroeconomic Factors by Okon, Emmanuel O. (2018) - Factors such as poverty, employment, and development are frequently employed as economic variables in empirical terrorism research. From the above it is observed that most of the studies focused on the relationship between economic variables and terrorism. Keywords: -.6 -.4; banking; banking vol; boko; causality; cause; development; economic; finance; granger; haram; indian; journal; log(gdpc; log(govx; log(infl; log(intr; log(open; nigeria; period; polx; record; table; terrorism; variables; vol; www.cribfb.com/journal/index.php/ijfb
• ISSUES AND CHALLENGES OF FINANCIAL MANAGEMENT PRACTICES IN ISLAMIC FINANCIAL INSTITUTIONS: EMPIRICAL EVIDENCE FROM BANGLADESH by Islam, Serajul; Mamun, Abdullahil; Islam, K. M. Anwarul; Uddin, Mohammad Rahim; Sultana, Tania (2021) - The study found that the disparity in theory and practice especially in the case of risk-sharing instruments is the most challenging factor and Islamic financial markets offer a wide array of instruments with varying structures of maturity and opportunities for portfolio diversification and risk management is the less challenging factors. Additionally, the less challenging factor, Islamic financial markets tender a large range of mechanisms with changeable compositions of maturity and chances for group diversification and management of risk explains 0.33% of the variation. Keywords: bangladesh; banking; capital; challenges; factors; finance; financial; ifm; insurance; islamic; journal; lack; management; risk; study
• EMPOWERING WOMEN SELF HELP GROUPS THROUGH MICROFINANCE DURING COVID-19: A CASE STUDY OF WOMEN SHG by Sharma, Richa; Mishra, Saurabh; Rai, Shashikant (2021) - SHG group which is mostly represented by females is creating awareness among in local community through phone calls, wall painting, pamphlets, and social media. For the last 15 years mission is working for the livelihood of poor rural women and has been a valuable contributory source during the pandemic time. Keywords: banking; covid-19; empowerment; finance; group; help; indian; journal; level; members; self; shg; women
• NEURAL NETWORKS IN FINANCE: A DESCRIPTIVE SYSTEMATIC REVIEW by Riyazahmed, K. (2021) - Predictabi lity of emerging and developed stock markets using NN Standard NN 49 MSCI (Morgan Stanley Capital Internatio nal) indexes March 1995 to March of 2001 (1560 daily observati ons) index returns, daily and weekly NN is not superior to the linear models - - 1 8 LV D et al. (2020) Dimensio nality reduction in stock trading MLP, Deep Belief Network (DBN), Miscellan eous Industrials in the Australian Stock Market 2007 D/E, Gross margin, Debt to cash, EVA, EPS, WACC funds, ROIC ANN is effective in the prediction 0.0548 MAE = 37.649 2 7 Wie et al. (2004) NN model for EPS forecastin g Univariate- NN and multivariate NN Quarterly EPS of 283 companie s in SEC 1992 – 2002 Inventory, A/R, capital expenditure , gross margin, Sel. Keywords: analysis; banking; bpnn; credit; data; et al; finance; https://www.cribfb.com/journal/index.php/ijfb; hybrid; indian; journal; mlp; model; networks; neural; options; prediction; research; review; stock; study; vol

• CUSTOMER RELATIONSHIP MANAGEMENT PRACTICES OF INDIAN PUBLIC AND PRIVATE SECTOR BANKS: AN EXPLORATORY STUDY by P S, Lalitha; Paidipati, Kiran Kumar; Kumar, Arvind (2021) - The study assessed the quality of service provide by private sector banks which dominate public sector banks in terms of customer service and providing awareness (Singh, 2013). The study described about services provided by private sector banks such as positive customer attitude helps to correct fulfilment of customer expectations, and positive perception of staff towards customer services improve the better CRM practices (Vugec et al., 2017). Keywords: banking; banks; crm; customer; journal; loyalty; parameters; practices; public; sector; service; study
• AN EMPIRICAL STUDY ON IMPACT OF CREDIT RATING ON CREDIT RISK OF BANKS: A LITERATURE REVIEW by G, Sunitha.; Madhav, V. Venu (2021) - G PhD Research Scholar Department of Business Management KLEF (Deemed to be University), India E-mail: sunitha27.g@gmail.com Dr. V. Venu Madhav Associate Professor Department of Business Management KLEF (Deemed to be University), India E-mail: dr.v.v.madhav@gmail.com ABSTRACT In the financial markets, for investors, lenders, and issuers, credit rating agencies (CRAs) have a critical part in reducing the asymmetry of information between various parties. The paper clearly describes the role played in the establishment of a nation by credit rating agencies; there is a rise in new start-ups as all investors are rated favorably. Keywords: agencies; banks; credit; credit rating; indian; journal; rating; rating agencies; risk; study
• AN EMPIRICAL ASSESSMENT OF ADOPTION AND INNOVATION OF THE PORTABLE BANKING TECHNOLOGY IN KENYA by Ahmed, Eltigani M. A. (2021) - CONCLUSION This study concluded that the technical attributes represent statistically significant explanatory variables of portable bank technology adoption rate in the Kenyan contexts. The study has uncovered useful trends in portable bank technology adoption in Kenya. Keywords: adopters; adoption; bank technology; banking; banks; customers; innovation; journal; kenya; mobile; rate; research; study; technology; use
• CLIENT COMPANIES’ PERCEPTION TOWARDS CREDIT RISK OF PRIVATE SECTOR BANKS WITH REFERENCE TO ICICI, HDFC, AXIS BANK, IDBI, AND YES BANK by G, Sunitha,; V, Venu Madhav, (2022) - Factors affecting bank credit risk: An empirical insight. Indian Journal of Finance and Banking Vol. 9, No. 1; 2022 ISSN 2574-6081 E-ISSN 2574-609X Published by CRIBFB, USA 10 CLIENT COMPANIES’ PERCEPTION TOWARDS CREDIT RISK OF PRIVATE SECTOR BANKS WITH REFERENCE TO ICICI, HDFC, AXIS BANK, IDBI, AND YES BANK Sunitha, G PhD Research Scholar Department of Business Management KLEF (Deemed to be University), India E-mail: sunitha27.g@gmail.com https://orcid.org/0000-0002-7742-8924 Dr. Venu Madhav, V Associate Professor Department of Business Management KLEF (Deemed to be University), India E-mail: dr.v.v.madhav@gmail.com https://orcid.org/0000-0002-0089-5137 Received: October 14, 2021 Accepted: November 16, 2021 Online Published: January 15, 2022 DOI: 10.46281/ijfb.v9i1.1545 URL: https://doi.org/10.46281/ijfb.v9i1.1545 ABSTRACT The banking sector at present is facing many issues; one among them is credit risk. Keywords: banks; credit; crores; perception; risk; study
• AUDIT QUALITY AND REAL EARNINGS MANAGEMENT: EVIDENCE FROM TUNISIAN BANKS by Zgarni, Amina; Chikhaoui, Monia (2022) - They are calculated as follows: 𝐷𝑃𝑅𝑂𝐷𝑖𝑡 𝑇𝐴 𝑖 𝑡−1 = = 𝑃𝑅𝑂𝐷𝑖𝑡 𝑇𝐴 𝑖 𝑡−1 − [∝̂0+∝̂1 𝑆𝐴𝐿𝐸𝑆𝑖𝑡 𝑇𝐴 𝑖 𝑡−1 ] (3) : The residual of the equation which represents the discretionary component of products on the sale of securities of bank i in year t. SALESit: The sale value of equity securities of bank i in year t TAit: total assets of bank i in year t The aim of this study is to state the effect of external audit quality on real earnings management of banks. Studying the relationship between external audit quality and real earnings management in a sample of Tunisian banks observed during the 2006-2019 period, we reached several conclusions. Keywords: accounting; audit; audit quality; auditor; banks; earnings; earnings management; journal; management; quality; research; securities; study
• A STUDY ON NPAS OF SELECTED PRIVATE & PUBLIC SECTOR BANKS IN INDIA by Javheri, Jayraj; Gawali, Ravindra (2022) - Through this research, it has been observed that Public sector banks are more adversely affected than Private sector banks. My Study Focus on the Trend & Differences in the Non-Performing Assets of the Selected Indian Public and Private Sector Banks. Keywords: banks; gross; indian; npas; sector; sector banks
• ROLE OF BANKS AS FINANCIAL SUCCOR AMID COVID FIGHT: AN INDIAN PERSPECTIVE by Chatterjee, Deboshree; Sekhar, Savanam Chandra; Babu, M. Kishore (2022) - Covid-19 impact of banking sector. In Covid-19 impact of banking sector (pp. 155-159). Keywords: banking; banks; economic; economy; financial; indian; people; sector
• THE IMPACT OF CAPITAL STRUCTURE ON ISLAMIC BANKS PROFITABILITY: EVIDENCE FROM GCC COUNTRIES by Moustapha, Larabi; Benziane, Roucham (2022) - This study contributes to Moustapha & Benziane, Indian Journal of Finance and Banking 9(1) (2022), 203-212 211 the capital structure’s theory in reconfirming the findings of the existing literature (both theoretical and empirical) on the impact of capital structure on Islamic banks' Profitability in the GCC, the findings can serve as a guidance for Islamic bank managers in GCC and supports the decision-makers to rely on capital structure, unique for Islamic banks, whether in the GCC. This study shows that capital structure affects Islamic banks Profitability. Keywords: assets; banking; banks; capital; capital structure; dta; equity; eta; islamic; journal; profitability; ratio; roa; structure; study
• BOARD MEETING FREQUENCY AND PERFORMANCE OF PUBLIC SECTOR BANKS IN INDIA by Taluka, Shweta; Verma, Suhasini; Sharma, Jeevesh (2022) - Board meetings BMEET The total number of board meetings held in a particular year. The impact of corporate board meetings on corporate performance in South Africa. Keywords: audit; banks; board; board meetings; committee; directors; governance; journal; meetings; performance; study
• AN EMPIRICAL STUDY OF CUSTOMER SATISFACTION TOWARDS E-BANKING SERVICES IN DELHI by Parveen, Sana; Saghir, Vardah; Beg, Sana (2023) - The purpose of the study is to gauge customer perception towards e-banking services. Based on the findings, better instruments and mechanisms for e-banking services must be put in place. Keywords: age; banking; banks; customer; data; india; information; journal; perception; services; study
• VALUE DRIVERS OF BANK EQUITY MARKET PRICE by Gounder, Chitra; Nair, Jyoti (2023) - INTRODUCTION Bank is a complex system with many performance centers interconnected in a nonlinear fashion, the synergy of this performance center will determine the banks overall performance leading to the maximization of bank market value and stability. Determinants of bank equity value Keywords: banks; determinants; market; market price; model; price; relationship; sector; test; value; variable
• CAMEL MODEL ANALYSIS AND DISCRIMINANT ANALYSIS OF COMMERCIAL BANKS’ PERFORMANCE IN GUYANA, SOUTH AMERICA by Raja, Vincent A.; Pasha, Sukrishnalall; Ganapathy, Kumar; Christy, Maria (2023) - When bank size is used as an independent variable, the relationships between bank performance and the CAMEL ratios are altered. This means that relationships between bank performance and the CAMEL ratios are sensitive to the model's functional form. Keywords: analysis; average; banking; banks; camel; capital; discriminant; framework; journal; management; performance; quality; ratios; study; table
• Relationship between Profitability and Non-Performing Loan and A Comparative Financial Performance Analysis of Shari’ah Based Banks of Bangladesh by Akber, S. M. (2019) - Nowadays in Bangladesh, there are a significant number of Islamic banks that cover almost 20% of the total banking market share. According to the financial stability report of 2014 In Bangladesh performance of Islamic banks are better than the Copyright @CC-BY-NC 2019, CRIBFB | IJFB www.cribfb.com/journal/index.php/ijfb Indian Journal of Finance and Banking Vol. 3, No. 2; 2019 34 traditional banks. Keywords: bangladesh; banking; banks; investment; islamic; loan; ratio; total
• Non-Performing Loan in Bangladesh: A Comparative Study on the Islamic Banks and Conventional Banks by Rezina, Sonia; Chowdhury, Rubaiyat Shaimom; Jahan, Nusrat (2020) - After conducting a thorough study on the reasons for NPLs among commercial banks in Kenya Muriithi (2013) explained that, before the financial crises started in 2007-2008, over the past decade almost in every country the credit quality of the loan portfolio was relatively stable. Because of the higher market share of commercial banks we gave commercial banks more weight. Keywords: bangladesh; banking; banks; impact; islamic; loan; npl; ratio; study; variables
• Revisiting the Efficiency of Indian Banking Sector: An Analysis of Comparative Models Through Data Envelopment Analysis by Tanwar, Jyoti; Seth, Himanshu; Vaish, Arun Kumar; Rao, N V M (2020) - Ownership-wise efficiency of banks Efficiency level IAE PAE DME FCE OBE CRE Most efficient Public bank Public bank Public bank Public bank Public bank Public bank Moderately efficient Private bank Foreign bank Foreign bank Private bank Foreign bank Private bank Least efficient Foreign bank Private bank Private bank Foreign bank Private bank Foreign bank Later based on composite scores, it was revealed that public banks are leading, followed by private banks and foreign banks. Determinants of bank efficiency during unstable macroeconomic environment : Empirical evidence from Malaysia. Keywords: analysis; approach; banking; banks; dea; efficiency; foreign; indian; interest; journal; ltd; output; performance; private; public; sector; sector banks; study
• Migration Analysis of Credit Risk in Tunisian Banking Sector by Youssef, Amel Ben (2018) - The findings are useful and critical for supervisory purposes and foroptimizing bank credit risk management. Transition of credit risk grade to the default state is zero for all the categories 1, 2 and 3 •The estimated transition matriceusing proportion data exhibit asymmetrical migration shape: the probabilities of the upgrades are higher than probabilities of downgrades. Keywords: banking; banks; category; companies; credit; grade; leasing; matrices; migration; public; quality; risk; transition
• DEPOSIT INSURANCE COVERAGE LIMIT: HOW MUCH IS ENOUGH? EVIDENCE FROM INDIA by Sardana, Varda; Shukla, Abha (2020) - This study examines the adequacy of deposit insurance coverage limit, through a case of India, to determine the appropriate level of coverage. By testing these hypotheses, the study seeks to investigate whether the recent five-foldincrease in deposit insurance coverage limit of India is justified or not. Keywords: banking; banks; countries; coverage; coverage limit; coverage ratio; december; deposit; deposit insurance; india; insurance; insurance coverage; journal; ratio; sample; system
• Financial Deepening and Deposit Mobilization of Commercial Banks in Nigeria: A Time Variant Model by Nwangolo, Azu-; Ogechi, Blessing (2018) - Financial sector deepening enable the financial intermediaries perform their functions of mobilizing, pooling and channeling domestic savings into productive capital more effectively thereby contributing to economic growth of a country (Ndege, 2012). Financial sector deepening has been seen www.cribfb.com/journal/index.php/ijfb Indian Journal of Finance and Banking Vol. 2, No. 2; 2018 2 to lead to access of long term capital which deemed crucial for economic development as evidenced by the positive relationship between long term capital and economic growth (Klapper & Panos, 2007). Keywords: banking; banks; credit; deepening; deposit; development; economic; effect; growth; impact; interest; journal; money; nigeria; rate; sector; study; test
• Determinants of Commercial Banks Credit to the Domestic Economy in Nigeria: Examinations of Dynamics Principles by Waleru, Akani, Henry; Beauty, Oparaordu, (2018) - From her findings, the predictor variables (volume of deposits, investment portfolio, foreign exchange, and GDP) were statistically significant and portrayed a positive relationship with commercial bank lending. Imran and Nishat (2013) empirically identified commercial banks credit lending in Pakistanfor the period 1971-2010. Keywords: banking; banks; cbc_gdp; commercial; credit; financial; granger; growth; journal; lending; loans; model; nigeria; policy; rate; relationship; study; variables
• EXAMINATION OF RELATED PARTY DISCLOSURE AND COMPLIANCE AMONG LISTED GHANAIAN BANKS by Mawutor, John Kwaku Mensah (2021) - They measured related party disclosure as the set/aggregate number of words related to RP disclosures in the annual reports. In his study Rahman (2018), he assessed the present status of related party disclosure and practice level of IAS 24, Related Party Disclosures in annual reports by 10 listed banks in Bangladesh. Keywords: banking; banks; compliance; disclosures; ghana; ias; level; party; study; transactions

• MEASURES TO IMPROVE LIFE INSURANCE PROFITABILITY IN INDIA by Satuluri, Ramesh Kumar; Radhika, Raavi (2021) - Gulati, Nancy (2015) researched on “Operational efficiency of life insurance companies in India”. In order to enhance profitability of life insurance companies in India, following suggestions are recommended and the same can be categorized basis the stakeholder. Keywords: banking; companies; indian; industry; insurance; journal; life; profitability; value
• SOLVENCY AND SURVIVAL OF MICROFINANCE INSTITUTIONS: AN INDIAN SCENARIO-POLICY IMPLICATIONS TO IMPROVE ENDURANCE by Sangeetha, S.; Chitra, K. (2021) - Altman Model helps to identify MFIs solvency position. In India, microfinance industry had not been under regulatory radar until the crisis stroked at Andhra Pradesh state MFIs during October 2010. Keywords: analysis; banking; indian; institutions; journal; loan; mfis; microfinance; model; percent; position; solvency; survival
• OUTWARD FOREIGN DIRECT INVESTMENT: EMERGING ECONOMIES’ HOME COUNTRY DETERMINANTS by Kapil, Sheeba; Dhingra, Puneet Kaur (2021) - The purpose of this paper is to present a systematic review of the extant literature on OFDI home country determinants, which will be incomplete without discussing the econometric tools adopted by various researchers in similar studies. Haiyan (2017) in his research on analyzing home country determinants of OFDI from developed and developing countries applied fixed effects model for panel estimation. Keywords: countries; country; determinants; economies; firms; foreign; home; indian; investment; journal; model; ofdi; outward; research
• IMPACT OF DEMONETIZATION ON INDIAN BANKING STOCKS: AN EVENT STUDY METHODOLOGY by Raut, Rajesh; Thorve, Harsha; Owhal, Shrawan (2021) - Cumulative Abnormal Return Analysis Day SBI PNB BOB CB BOI -7 -0.50% -0.94% -0.45% -0.72% -0.80% -6 -0.78% -2.81% -1.34% -2.44% -2.61% -5 -3.89% -8.45% -4.83% -8.71% -7.20% -4 -6.51% -12.02% -7.23% -8.78% -7.97% -3 -8.00% -14.07% -10.30% -4.03% -7.70% -6.28% -8.48% -8.70% -1 -4.10% -7.51% -5.48% -9.42% -8.01% 0 -1.60% -7.04% -4.23% -8.79% -7.68% 1 6.58% 4.26% 4.73% -2.48% 5.06% 2 3.20% 1.20% 2.10% -5.83% 2.98% 3 4.66% -0.66% 10.27% -5.24% 3.16% 4 3.84% -5.60% 9.28% -4.88% 0.63% 5 3.76% -7.02% 10.01% -4.12% -0.79% 6 2.73% -6.48% 10.96% -3.93% 0.05% 7 -3.87% -15.48% 2.43% -10.05% -3.35% Day HDFC ICICI AXIS YES KOTAK -7 -0.60% -0.03% 0.40% -0.70% 0.32% Keywords: demonetization; event; impact; indian; market; return; stock; study
• THE NONLINEAR ASYMMETRIC RELATIONSHIP AMONG IMPLIED VOLATILITY INDICES OF INDIAN STOCK MARKET, GOLD, AND OIL: EVIDENCE FROM NARDL MODEL by Chittineni, Jyothi (2022) - At the same time investors decrease their trading activity in oil markets, it leads to lower future expected volatility. This indicates that the investors are moving their trading activity from oil markets to gold during the uncertain market conditions. Keywords: gold; indian; market; oil; ovix; results; run; stock; variables; volatility
• DOUBLE DIP PANDEMIC IMPACT ON PORTFOLIO OF INVESTORS REFERENCE TO SALARIED EMPLOYEES by Reddy, P. Madhu Kumar; Kandi, V S Prasad; Kumar, A. Rama (2022) - This section shows the F-Test (Analysis of variance) for 115 sample investors respondents based on the preferred of the investment avenues which influence sample investors to invest. To determine the consistency of the interrelationship between selected variable such as investment avenue preference during second wave of Covid-19, weighted aspects in Investment Avenue and savings in between first and second wave of Covid-19 Pearson’s correlation analysis was used. Keywords: analysis; avenues; covid-19; impact; indian; investment; investors; journal; portfolio; preference; respondents; savings; wave
• THE ALTERED VOLATILITY SPILLOVER SEQUENCE UNDER COVID-19: INDIAN SECTORAL INDICES IMPACT DEIBOLD YILMAZ INDEX by Tomar, Kunwar Sanjay (2022) - Narrowing to a more specific study of volatility spillover and connectedness, Gabauer et al. (2020) research is worth mentioning. The direction of volatility spillover with pair-wise calculation makes the DYI intuitively superior to other methods. Keywords: auto; covid-19; data; index; indian; journal; markets; pandemic; sample; sector; shows; spillover; study; table; total; variance; volatility; volatility spillover; 𝐻)𝑁
• DETERMINANTS OF DIVIDEND POLICY: AN EMPIRICAL INVESTIGATION OF INDIAN COMPANIES USING PANEL DATA ESTIMATION TECHNIQUE by Anwar, Razique; Kumar, Sandeep (2022) - The results of the analysis suggest that Return on assets, Debt to equity ratio, Cash and cash equivalents & Debt to total capital ratio significantly affect dividend yield from 2000-01 to 2009-10 and from 2000-01 to 2020-21, whereas the results of the analysis from period 2010-11 to 2020-21 found Sales/Size, Return on the asset, and Debt to total equity ratio as determinants of dividend policy. A vast amount of literature available on this study suggests theoretical and empirical support for variables such as corporate size, age, ownership structure, market risk, cash holdings, leverage, growth opportunities, net working capital, and profitability of the firms as important factors as determinants of dividend policy for companies. Keywords: companies; data; dividend; indian; panel; policy; study
• AN EMPIRICAL STUDY OF INTEGRATED REPORTING PRACTICES AS VOLUNTARY DISCLOSURES IN INDIAN ENERGY COMPANIES by Agnihotri, Shivam; Kumar, Pramod; Harit, Kapil; Bharti, Devdutta (2023) - The literature on IR reflects a positive view towards adopting IR practices, and the Security Exchange Board of India (SEBI) suggested that the top 500 listed entities followed IR practices voluntarily in Feb 2017. IR practices of one company fully complied with the IR framework, and the IR practices of another company reflect a need for more connectivity of information only. Keywords: capital ; companies; energy; indian; information; ir practices; journal; practices; reporting; sector;  ;  ;  
• EQUITY PRICE DETERMINANTS OF INDIA'S NIFTY NEXT 50 INDEX FIRMS' by Hedau, Amit; Mishra, Sarbesh (2023) - Market price determinants are identified from the literature survey. Matrix Coding of determinants of the market price of Equity from experts DISCUSSIONS The current article expands on previously published research on the factors that affect equity market price. Keywords: companies; data; determinants; equity; indian; journal; market; price; regression; research; share; stock; study; value; variables
• Understanding Cognitive Dissonance of Indian Customers for Financial Products: A Multi-Dimensional Scale Development Approach by Bolia, Brajesh; Jha, Sumi; Jha, Manoj K (2020) - manojkjha40@yahoo.co.in Abstract The aim of the study was to understand the dynamics of cognitive dissonance in the context of financial product purchase. The items were empirically tested and validated with the help of appropriate statistical tools to arrive at a “5 factor and 25 items” measurement scale for cognitive dissonance. Keywords: analysis; concern; customers; decision; dissonance; factor; fgd; financial; indian; items; journal; marketing; product; purchase; research; scale
• EMPATHY OF THE BANCASSURANCE CHANNEL: AN EMPIRICAL STUDY by Choudhury, Mousumi; Singh, Ranjit; Kajol, K.; Rai, Shashi Kant (2020) - Given the mixed findings of past studies regarding demographic profile‟s influence on customer perception of service quality, the present study attempts to study the impact of demographic variables on customers‟ perception towards empathy dimension of service quality in bancassurance channel. Customers perception towards internet banking services- Keywords: bancassurance; banking; channel; customers; empathy; indian; insurance; journal; management; perception; quality; service; singh; study

• STARTUP SUSTAINABILITY BASED ON GOVERNMENT, TECHNOLOGY, AND MARKET: EMPIRICAL STUDY MEDIATION OF PERFORMANCE & SATISFACTION by Shivhare, Shivani; ., Nupur; Shunmugasundaram, V (2023) - Mediation Process Start-up Enterprise Performance (SEP) and Entrepreneurial satisfaction (ES) as Mediators Start-up enterprise performance can be used as synonymous with business performance, operational performance, business growth, etc. The mediating effect of customer loyalty on customer orientation, technology orientation and business performance. Keywords: business; business sustainability; effect; entrepreneurs; et al; government; journal; market; orientation; performance; research; satisfaction; sep; startup; study; support; sustainability; technology; ups
• THE SLOWDOWN IN FINTECH MERGERS & ACQUISITIONS: ANALYZING MAJOR GLOBAL DEALS AND SECTORAL IMPLICATIONS FOR 2023 by Dwivedi, Rashmi (2024) - Economic uncertainty, particularly inflation and interest rates, is significantly contributing to the slowdown in FinTech M&A deals. The objective of this research is to analyze the slowdown in FinTech M&A activity in 2023, focusing on the underlying economic factors and their influence on strategic decisions within the sector. Keywords: acquisitions; analysis; deals; financial; fintech; firms; growth; interest; journal; m&a; market; rate
• Short-term Economic Indicators, Stock Market Indexes and Indian Oil and Gas Stocks Returns by Yelamanchili, Rama Krishna (2020) - To achieve this broad objective, we set specific objectives as, to examine the influence of short-term economic indicators on oil and gas stocks, to measure the impact of stock market indexes on stock returns, to evaluate the predictability of short-term economic indicators and stock market indexes of stock returns, and to understand the contemporaneous relationship among Copyright © CC-BY-NC 2020, CRIBFB | IJFB www.cribfb.com/journal/index.php/ijfb Indian Journal of Finance and Banking Vol. 4, No. 1; 2020 3 oil and gas stocks To validate the objectives set in this paper, we postulate certain hypotheses as H1: Short-term economic indicators have significant positive effect on stock returns, H2: Stock market indexes have significant positive effect on stock returns, H3: Short term economic indicators have short-term predictive ability of oil and gas stock returns. In this paper we examine the causal relationship between short term economic indicators, stock market indexes and oil and gas stocks returns. Keywords: cause; economic; gas; granger; indexes; indicators; market; oil; returns; stock; stock market; stock returns; term
• Impact of Foreign Exchange Reserve, Exchange Rate and Crude Oil Price on Dhaka Stock Exchange Index: An Empirical Evidence from Vector Error Correction Model by Golder, Uttam; Islam, Md. Nazrul; Kayser, Md. Shahidullah (2020) - Besides, the Granger Causality technique is introduced to examine the casualty among variables where the empirical results show a causal linkage between the Dhaka stock exchange index, foreign exchange reserve, and exchange rate, moving only in one way from Dhaka stock exchange index to foreign exchange reserve and exchange rate. In contrast, no causal link was identified between Dhaka stock exchange indexes and crude oil prices. Keywords: dhaka; dhaka stock; exchange; exchange index; exchange rate; exchange reserve; foreign; index; market; oil; price; stock; stock exchange; variables
• Impact of Basel II & III Implementation to Mitigate Bank Risk: A Study on Al-Arafah Islami Bank Limited by Hossain, Sk. Alamgir; Islam, K. M. Anwarul (2017) - Thus there were a downward pressure on asset prices, a decline in bank capital and contraction in credit availability. H1A : Core capital to total Asset ratio has significant relationship with bank capital H1B: total capital to total asset ratio has significant relationship with bank capital Keywords: asset; bank; banking; basel; capital; core; journal; market; ratio; risk; roa; total
• THE MOMENTUM EFFECT: ANOMALY OR ILLUSION by Chaouachi, Olfa; Douagi, Fatma Wyème Ben Mrad (2020) - However, there is no study investigating the impact of the trading costs on momentum returns and examining for possible seasonality in the returns of momentum strategies. They found that in January momentum returns tend to be lower than momentum returns in other calendar months. Keywords: french; journal; market; momentum; portfolio; return; strategy
• Audit Reports and Value Relevance of Accounting Information: Evidence from Commercial Banks in Nigeria by Ibanichuka, E. A.L.; Briggs, Alasin Captain (2018) - Abstract This study examined audit reports and value relevance of accounting information in Nigeria quoted commercial banks. The result from model I found that all the audit report variables have positive impact on value relevance while model II found that audit compensation, audit familiarity and corporate governance have positive effect and audit independence, joint audit and audit size have negative effect on stock prices. Keywords: accounting; accounting information; audit; book value; earnings; ifrs; information; journal; market; model; prices; share; stock; study; theory; value relevance; variables
• Validity of CAPM by Using Portfolios: Evidence from Indian Capital Market by Yaseer, K.M.; Shaji, K.P. (2018) - Large number of studies has been carried out to elucidate the relationship between return and factors which affect return and this has been tested with individual security return and portfolio return. 6.1.1 Test of Non-Linearity (2001-2009) Test for the non-linearity helps one to check whether there exists non-linearity between portfolio return with beta. Keywords: beta; capm; market; p value; period; portfolio; return; sub; value

• IMPACT OF COMPANY INCOME TAX ON CORPORATE PROFITABILITY IN NIGERIA by Adefunke, Akadakpo Bukola; Usiomon, Akogo Obehioye (2022) - Online Published: January 25, 2022 DOI: 10.46281/ijfb.v9i1.1567 URL: https://doi.org/10.46281/ijfb.v9i1.1567 ABSTRACT The study examined the impact of company income tax on corporate performance. Findings from the study revealed that Company income tax (CIT) has a positive and significant effect on profit after tax (PAT) and returns on equity (ROE). Keywords: cit; companies; company; income; income tax; journal; nigeria; performance; profit; study; tax
• MICROFINANCE AND WOMEN MICROENTREPRENEURS: KEY VARIABLES INFLUENCING SOCIO-ECONOMIC AND FINANCIAL SUCCESS by Roy, Gourav; Sarkar, Popy Rani (2024) - Also, information on net income before taking microfinance loans and net income after taking microfinance loans has been collected for meeting the second aim of the research. A B S T R A C T Given that Bangladesh has a male to female ratio of almost 49.5:50.5, the contribution of women's workforce to GDP is significant, and microfinance has been instrumental in enabling women to initiate microenterprises since 1974. Keywords: bangladesh; banking; data; development; economic; empowerment; entrepreneurship; impact; journal; microentrepreneurs; microfinance; performance; socio; study; variables; women
• Articles Review on Forward and Reverse Supply Chain/ Closed Loop Supply Chain Practices by Gebisa, Diriba Ayele (2019) - However, supply chain performance is the function of different combination of variables. TQM support SCM in achieving its objective by improving product quality, customer satisfaction and achievement competitive advantage; and TQM also reduce process variance, that affect cycle time and delivery dependability of supply chain performance (Flynn et al., 1995). Keywords: chain management; chain performance; chain practices; cost; customer; forward; information; inventory; journal; logistics; organization; performance; practices; products; quality; reverse; supply chain; time; transportation
• Corporate Governance Practices and Bank Performance: Evidence from Indian Banks by Bezawada, Brahmaiah (2020) - Their results show that bank board composition and size are related positively significant to directors' ability to monitor and advise management. The study finds that busy directors and the number of meetings have a positive significance on bank performance. Keywords: bank; banking; board; directors; governance; journal; meetings; percentage; performance; size; variables
• A Study of Gross and Net Non-Performing Assets of Select Public Sector Banks in India for the Period 2007-2008 to 2017-2018 by Korde, Abhay; Laghate, Kavita (2020) - 3072872 100 www.cribfb.com/journal/index.php/ijfb Indian Journal of Finance and Banking Vol. 4, No. 1 2020 Copyright © CC-BY-NC 2020, CRIBFB | IJFB 59 Name of Bank 2016-17 Percentage of total Net NPA Cumulative Name of Bank 2017-18 Percentage of total Net NPA Cumulative State Bank of India 582774 16.92 16.92 State Bank of India 1108547 24.39 24.39 Punjab National Bank 327021 9.50 26.42 Punjab National Bank 486843 10.71 35.10 Bank of India 253050 7.35 33.77 IDBI Bank 286651 6.31 41.41 IDBI Bank 252058 7.32 41.08 Canara Bank 285424 6.28 47.69 Canara Bank 216490 6.29 47.37 Bank of India 282073 6.21 53.90 Indian Overseas Bank 197493 5.73 53.11 Union Bank of India 243263 5.35 59.25 Union Bank of India 188321 5.47 58.57 Bank of Baroda 234827 5.17 64.42 Bank of Baroda 180802 5.25 63.82 Indian Overseas Bank 203997 4.49 68.91 Central Bank of India 142180 4.13 67.95 Central Bank of India 173779 3.82 72.73 Oriental Bank of Commerce 141178 4.10 72.05 Oriental Bank of Commerce 142829 3.14 75.87 Allahabad Bank 134335 3.90 75.95 UCO Bank 140821 3.10 78.97 Corporation Bank 116922 3.40 79.35 Corporation Bank 140770 3.10 82.07 Bank of Maharashtra 112296 3.26 82.61 Syndicate Bank 132395 2.91 84.98 UCO Bank 107034 3.11 85.72 Andhra Bank 126369 2.78 87.76 Syndicate Bank 104110 3.02 88.74 Allahabad Bank 122291 2.69 90.45 Andhra Bank 103548 3.01 91.75 United Bank of India 103163 2.27 92.72 Dena Bank 77351 2.25 93.99 Bank of Maharashtra 96412 2.12 94.85 United Bank of India 65919 1.91 95.91 Dena Bank 78388 1.72 96.57 Indian Bank 56066 1.63 97.53 Indian Bank 59596 1.31 97.88 Punjab & Sind Bank 43751 1.27 98.80 Vijaya Bank 50212 1.10 98.99 Vijaya Bank 41182 1.20 100 Lowest GNPAs C (91-100%) (Good Performance) United Bank of India, Bank of Maharashtra, Vijaya Bank, Dena Bank, Corporation Bank, Indian Bank, Andhra Bank, Punjab & Sind Bank. Keywords: assets; bank; gross; india; loans; march; performance; punjab; year
• Accounting Practices and Organizational Performance: Evidence from Small and Medium Scale Enterprises in Sri Lanka by Balagobei, Saseela (2020) - The research investigated how accounting practices influence the organizational performance of small and medium scale enterprises in Sri Lanka. Accounting practices consists of record keeping, budgeting practices and payroll accounting whereas organizational performance is measured by organizational goal achievement, organizational effectiveness and organizational efficiency records. Keywords: accounting; business; enterprises; financial; lanka; performance; practices; smes; sri; study
• Bank Performance versus Recession Indicators: A Linear Cointegration Approach by Oyerinde, Ashamu Sikiru (2017) - The results revealed that indicators of recession-exchange rate, inflation and interest rate maintain long run relationship with bank performance, and evidence of long run influence was established. This growing gap has inspired me to investigate the dynamic causations that exist between recession proxies and bank performance in Nigeria with the aim of justifying or expanding existing positions. Keywords: bank; performance; rate;  
• A Review of the Impact of Accounting Information System for Effective Internal Control on Firm Performance by Teru, Susan Peter; Idoku, Innocent; Ndeyati, Jane Tinyang (2017) - When companies and businesses adjust and regulate their computerized technique of internal control machinery according to accounting information system (AIS), there would be assurances of the reliability of financial information processes, the control measures of effectiveness and efficiency of the information reliability will be boasted, effectual and improved operative goals and enhanced performance. The ultimate objective of accounting information system (AIS) is to gather and record information and data that is a concern to affairs that can economically impact upon firms and ensures operational efficiency and effectiveness of reliability of financial data and legal compliance, Yang et al. (2012). Keywords: accounting; accounting information; ais; control; data; information; performance; quality; system

• CREDIT MANAGEMENT STRATEGIES AND FINANCIAL PERFORMANCE OF INDUSTRIAL GOODS SECTOR IN NIGERIA by Alhassan, Ismail; Islam, K. M. Anwarul (2021) - Establishing credit conditions, credit information analysis and scoring to determine credit worthiness of organizations and individuals, and developing credit plans to aid receivable collections when due are all routine practices of credit management (Ifurueze, 2013). Empirical Review Numerous studies have been conducted by researchers on credit management and its ability to improve profitability. Keywords: cash; collection; company; credit; credit management; debt; impact; journal; liquidity; management; nigeria; policy; profitability; risk; sales; strategy; study
• MEASURING EFFICIENCY IN ASSETS AND LIABILITIES MANAGEMENT PRACTICES IN DEPOSIT TAKING NON- BANKING FINANCIAL COMPANIES IN INDIA: A CAMEL APPROACH by Reddy, Karthik; Reddy B, Ravichandra (2022) - In the last two years AUM of the company has grown with YOY growth rates of 2.91 percent (Rs 1055.58 Cr) and 5.43 (Rs1112.87 Cr) percent respectively. Thereafter, it has turned into negative percentage of -5.40 percent, -13.74 percent and even reached to worst ratio of -86.42 percent due to net loss reported for the last three years due to huge fall in total income. Keywords: assets; capital; company; growth; level; management; nbfcs; percent; period; ratio; study
• INTERNAL AUDITOR CHARACTERISTICS AND FINANCIAL REPORTING QUALITY: EVIDENCE FROM BANGLADESH by Khan, Md Gulam Sharoar Hossain (2023) - This study uses five important characteristics of internal auditors as exogenous variables such as auditors’ independence, auditor proficiency, professional qualification, auditors’ experiences, and the leadership style of the chief audit executive. Internal auditors can help improve financial reporting quality in several ways. Keywords: accounting; auditors; bangladesh; banking; characteristics; frq; independence; internal; journal; leadership; management; quality; reporting; reporting quality; research; study; style
• An Empirical Evaluation on Performance of Organization through Human Resource Accounting (HRA): A Study on Selected Corporate Units of India by Bansal, Atul; Sharma, Preeti (2019) - Human resource accounting is basically an information system that explains management what changes are occurring over time to the human resources of the business. The basic premises underlying the practices of human resource accounting are:  Keywords: accounting; companies; employees; hra; human; information; management; organization; resource; resource accounting; study; value
• Comparing the Applications of Management Accounting between Vietnamese Public Universities by the Degree of Autonomy by LE, Oanh Thi Tu; Tran, Phong Thi Thu (2020) - The degree of university autonomy is associated with the model of autonomy and is always changing to suit the socio-economic context of each country (Nguyen, 2020). Recently, according to a report of the Ministry of Education and Training (2018) university autonomy has made positive changes such as reducing administrative procedures, increasing initiative and flexibility in the implementation of universities’ activities. Keywords: accounting; autonomy; costs; information; management; results; universities
• The Role of Internal Control and Firm-Specific Characteristics on Firm Value: Evidence from Indian Financial Services Sector by Janardhanan, Anju Kalluvelil; R, Uma V (2020) - Firm value is measured using a three-dimensional approach – from the purchasers, investors, and operational perspective (Adetunji & Owolabi, 2016). The presence of Enterprise Risk Management (ERM) and external audit by Big4 auditors can help the organization in the potential improvement of firm value to recognize and prevent numerous risks and to accommodate sustainability (Beasley, Clune & Hermanson, 2005). Keywords: assets; big4; companies; company; enterprise; erm; firm; investors; journal; management; risk; roa; roe; size; study; value
• Failure of Operational PPP Projects in India Leading to Private Developer’s Apathy to Participate in Future Projects: A Case Study Based Analysis by Kudtarkar, Sandeep Ganpat (2020) - The objective of this research is to do the case studies based empirical study of operational PPP projects in India to understand the underlying economic, financial and institutional constraints faced by PPP projects and their life-long contract and risk management and to investigate the causes of the private developer's apathy toward participation in PPP program which makes once successful PPP program comes to standstill. In PPP contracts, sharing of project risks among stakeholders is significant for the success of projects. Keywords: case; concession; contract; cost; india; journal; management; operational; overrun; ppp; ppp projects; project; project cost; revenue; risk; state; toll
• THE REVIEW ON THE EFFECT OF THE RESOURCES MANAGEMENT ATTRIBUTES AND AIRCRAFT MAINTENANCE EFFICIENCY OF THE AVIATION INDUSTRIES IN OMAN by Rawahi, Said Hamed Al; Jamaluddin, Zaharuzaman Bin; Bhuiyan, Abul Bashar (2020) - Concept of aircraft maintenance efficiency and resource management attributes: Aircraft maintenance is considered as the most critical activities that airlines should take into consideration with a high priority and never underestimated actions (Bowen, 2013). These factors were discussed elaborately and covered the impact of these factors on aircraft maintenance. Keywords: aircraft; aircraft maintenance; aviation; factors; human; industry; journal; maintenance; management; oman; organization; planning; study
• MATHEMATICAL MODELING OF ASSET LIABILITY MANAGEMENT IN BANKS USING GOAL PROGRAMMING AND AHP by Tanwar, Jyoti; Vaish, Arun Kumar; Rao, N V M (2020) - A goal programming model for bank assets and liabilities management. https://www.cribfb.com/journal/index.php/ijfb Indian Journal of Finance and Banking Vol. 4, No. 4; 2020 3 LITERATURE REVIEW ALM is an essential tool for banks and other financial institutions to establish sound financial management that can target higher profits and lower bank risk. Keywords: 1yai; assets; bank; banking; goal; management; model; programming; risk
• EMPIRICAL REVIEW ON THE REGULATIONS, INTEGRATIONS OF WORKS AND LOCAL AUTHORIZATION AND THE ATTRIBUTES OF CRITICAL SUCCESS FACTORS AND CONSTRUCTIONS DELAY OF THE ROAD PROJECTS IN OMAN by Hinai, Suleiman Said Al; Bhuiyan, Abul Bashar; Widyarto, Setyawan (2020) - An investigation into the risk of construction projects delays in the UAE. Another study discovered causes of delays in road construction projects considered as investments in an unpredictable market in Lebanon. Keywords: causes; construction; construction projects; delay; et al; factors; journal; management; oman; projects; road; road construction; study

• A COMPARATIVE STUDY ON INVESTMENT PATTERN OF SELF-EMPLOYED & START-UP ENTREPRENEURS WITH SPECIAL REFERENCE TO PAN INDIA by Sendilvelu, Kannadas; Shah, Manita Deepak (2021) - To Analyze the Investment patterns of Self Employed and Start-up entrepreneurs and have a comparative study with respective to their investment behavior. OBJECTIVES OF THE STUDY  Comparison of Monthly Income between Self Employed and Entrepreneur In the above figure, Compared to Self-Employed, Start-up entrepreneurs have the highest income. Keywords: entrepreneurs; horizon; hypothesis; investment; risk; self; start
• THE EFFECT OF DEMOGRAPHIC CHARACTERISTICS ON RISK PERCEPTION AND INVESTMENT DECISION: AN EMPIRICAL STUDY IN VIETNAM by Su, Shu-Hui; Liu, Yao-Ling; Lee, Hsiu-Ling; Quy, Tran Thi Kim (2022) - Risk perception “the older people take lesser investment risk” had a https://www.cribfb.com/journal/index.php/ijfb Indian Journal of Finance and Banking Vol. 9, No. 1; 2022 29 positive relationship with an investment decision, which means investors who agree with this statement tend to invest more capital in stock. Investment risk – The perspective of individual investors. Keywords: decision; experience; income; investment; investment decision; investors; journal; perception; risk; risk perception
• ASSESSING RELATIVE WEIGHT OF DETERMINANTS OF INVESTMENT IN INDEX SCHEME OF MUTUAL FUNDS by Dev, Debadrita; Deb, Sujit; Singh, Ranjit; Puri, Lokendra (2022) - The study discovered that various psychological characteristics like risk perception and attitude are significant determinants of mutual fund investment in Tripura. The impact of digital payments on mutual fund investment can also be an important area of study (Kajol et al., 2022; Kajol & Singh, 2022). Keywords: determinants; factors; funds; index; investment; investors; journal; level; preference; risk; schemes; singh; study
• A Framework to Score the Risk Associated with Suspicious Money Laundering Activity and Social Media Profile by Parida, Dillip Kumar; Kumar, D. Prasanna (2020) - Profile: Profile created with a standard set of mostly defined by the characteristic of the transaction (e.g. online transaction) and social media profile. Risk scoring model on Filter View The combination of financial transaction view and social media profiles created a pool of information that combines structured and unstructured data. Keywords: assessment; filter; laundering; media; money; profile; risk; score; table; transactions
• Evaluating Rainfall Risk Profile of Indian Subcontinent Based on Index Metrics by V, Bharath; G, Kotreshwar (2020) - This study proposes a new set of rainfall indices that can be used to explore the excess rainfall risk profile of the Indian Subcontinent. This study introduces a new set of rainfall indices that can be used as building blocks for designing rainfall derivatives contracts. Keywords: data; derivatives; erd; india; indices; level; rainfall; risk; series; south; sub; test; values; volatility; west
• VALUE-AT-RISK BASED APPROACH FOR CURRENCY HEDGING by Khurana, Rachna; Khetan, Umang (2021) - At the outset, an organization often evaluates the benefits of hedging currency risks. As a result, corporate treasuries have to manage multi-currency exposures while controlling for cost of hedging. Keywords: corporate; cost; currency; exposure; hedge; hedging; portfolio; ratio; risk; usd; var

• THE IMPACT OF COVID-19 ON THE INSURANCE INDUSTRY OF BANGLADESH by Haque, Anamul; Mohona, Nishat Taslin; Sultana, Sabrin; Kulsum, Umme (2021) - Without the well-being of insurance companies, the pandemic seems to have a catastrophic effect on the whole economic sector. That is why the profitability and solvability of insurance companies matter the most to have a stabilized economy (Kripa & Ajasllari, 2016). Keywords: bangladesh; covid-19; economic; economy; growth; impact; industry; insurance; insurance industry; journal; pandemic; premium; quarterly
• IMPACT OF FIRM PERFORMANCE ON STOCK RETURNS: EVIDENCE FROM LARGE-CAP, MID-CAP AND SMALL-CAP STOCKS by Faniband, Muhammadriyaj; Jadhav, Pravin; Marulkar, Kedar (2023) - The second sub-section shows the results about mid cap stocks and third sub- section presents the sensitivity of small cap stock returns to net sales, net profit, and EPS of small cap companies. The first sub-section discusses the impact of firm-specific factors of large cap companies on large cap stock returns. Keywords: cap; companies; eps; impact; journal; mid; profit; returns; sales; stock
• Impact of Microcredit on Living Standard of Dairy Entrepreneurs: Special Focus on Oddusuddan DS Division in Mullaitivu District by Balagobei, Saseela; Aravinthakumar, Sankeetha (2019) - Many traditional banks subsequently introduced micro credit despite initial misgivings. The United Nations declared 2005 as the international year of micro credit. Keywords: credit; dairy; impact; living; micro; microfinance; people; poverty; standard; study
• Why Private Sector Led Financial Inclusion Cannot Work for Development? Case of Micro Credit in India by Sahai, Seema; Sinha Ray, Rupamanjari; Tapasvi, S K (2020) - This is because MFI credit policies are not designed to create a transformative impact. All aspects of a credit policy including selection criteria, appraisal process, and product offered, and loan amount serves the interest of the lender and not that of the client. Keywords: business; clients; credit; enterprises; growth; impact; loan; mfis; microcredit; microfinance; policy
• Ethiopian Women Economic Empowerment Through Microfinance by Mengstie, Belay; Singh, Amanpreet (2020) - Data for this study have been collected from 346 respondents of microfinance beneficiary women. There are controversies on the impact of microfinance economic development of women clients. Keywords: age; credit; development; economic; education; empowerment; impact; microfinance; study; women

• IMPACT OF PRADHAN MANTRI JAN DHAN YOJANA PROGRAM ON ACCESS TO CREDIT by Shah, Neeraj (2023) - Total number of PMJDY Accounts A noteworthy observation is the overall growth trend evident in the total number of PMJDY accounts across all states and union territories. Number of PMJDY Accounts vs Population of districts in Gujurat Secondly, the analysis of data comparing the number of PMJDY accounts with the population density of districts in Gujarat (as of 2022) can demonstrate insights on the impact of the program, especially in rural or less populous regions This analysis can shed light on the complex interplay between population density, financial inclusion, and credit accessibility within the context of the PMJDY initiative. Keywords: access; accounts; analysis; banking; credit; districts; inclusion; india; number; pmjdy; population; poverty; program
• An Empirical Research on Beximco Knitting Ltd: Ratio, DuPont, Valuation and Pro-Forma Analysis by Islam, K. M. Anwarul (2017) - 2.1.7 Return on Equity Ratio Return on equity ratio is decreasing over the year because of increasing the financial leverage employed in the firm, which makes the firm more risky, and decline the return on equity capital. Items of Sensitivity Average % Change Asset turnover -4.64% Net profit margin 6.36% Leverage 378.76% Year 2012 2013 2014 2015 Return on total asset -6.87 -9.30 -6.61 -4.47 Year 2012 2013 2014 2015 Return on equity ratio -24.80 -65.06 Keywords: analysis; asset; cash; equity; ratio; year

• EUROPEAN UNION AND THE UNITED STATES OF AMERICA: AN ECONOMETRIC INVESTIGATION ON THE PARADIGM SHIFT IN THE GDP’S GROWTH RATE TREND by Karuvalappil, Dibin Kodanghat; Balakrishnan, Archana (2022) - Granger Causality Test VAR Granger Causality Block Exogeneity Wald Tests Sample: 1998 Q2 -2019 Q2 Included observations: 84 Dependent Variable: US GDP Variable Chi-square value Degree of Freedom Probability EU_GDP 21.3667 1 0.0000 Dependent Variable: EU GDP US_GDP 0.6949 1 0.4045 Source: Authors data, EViews output Table 5. As previously mentioned, Global trade can be a double-edged sword, and the U.S. is found dependent on a block like E.U. on trade Keywords: data; e.u; european; gdp; granger; growth; test; trade; u.s; union
• INDIAN MOBILE BANKING IN POST COVID-19: AN ANALYTICAL STUDY AND GRATIFICATION FROM THE ASPECT OF KANO MODEL by Jaywant, Bhadane; Nayan, Rajiv; Bhau, Gaikar Vilas; Singh, Kanwal Jeet; Bharat, Joshi (2023) - To study about the demographic profile of mobile banking users SBI, HDFC and Citi Bank. To study about the gratification of mobile banking users SBI, ICICI and Citi Bank. Keywords: banking; citi; citi bank; data; difference; hdfc; mobile; sbi; study; table; transactions; users; value
• Auditors in Convergence with Corporate Financial Reporting and International Financial Reporting Standard in Nigeria by S, Abdulrahman,; A. A, David, (2018) - He also examine how the accounting profession has evolved in developing countries over the years, specifically Ghana and also the process and factors affecting the adoption of International Financial Reporting Standards, merits and demerits of IFRS adoption. Minga (2008) in a similar study examined the effect of IFRS adoption: a review of the early evidence with the view of documenting the conceptual and methodological issues that relate to the domain of financial reporting research that attempts to examine whether there are measurable gains stemming from the adoption of IFRS. Keywords: accounting; adoption; auditors; data; ifrs; reporting; respondents; standards; study; table

• THE GOVERNANCE ROLE OF LABOR UNIONS IN IMPROVING INVESTMENT EFFICIENCY by Shin, Yong-Chul; Tinaikar, Surjit; Zhang, Yu (2022) - Received: 14th March 2022 Accepted: 24th April 2022 Online Publication: 27th April 2022 Keywords: Corporate Governance Investment Efficiency Labor Union JEL Classification Codes: J51, J59, O16, G31 A B S T R A C T We focus on the role that labor unions can play in influencing firms’ efficiency in corporate investment decisions where investment efficiency is defined as the extent to which deviations from optimal investment levels are minimized. INTRODUCTION This study examines the governance role that labor unions can play in guiding a firm’s investment expenditures in physical capital and R&D towards more optimal levels. Keywords: bargaining; effects; efficiency; firm; industry; investment; journal; labor; results; underinvestment; union; unionization; variables
• IMPACT OF THE COVID-19 ON THE SPENDING PATTERN AND INVESTMENT BEHAVIOUR OF RETAIL INVESTORS by Siddiqui, Farheen; Raghuvanshi, Anvita; Anant, Srijan; Kumar, Surendra (2022) - Statements of Hypotheses (Objective 1): Ha1: There is a significant difference in preference of investors Investment pattern of Investors towards mutual funds in pre and post Covid-19 scenarios. Change investment pattern: Because the p-value is less than 0.05 at a 5% threshold of significance, we can deduce that there is a meaningful difference in changing my investment pattern. Keywords: changes; covid-19; difference; income; investment; investors; lockdown; pattern; people; preference; respondents; spending; study
• AN ANALYSIS OF FINANCIAL PERFORMANCE AND INVESTOR’S EXPERIENCE OF INDIAN RENEWABLE ENERGY INDUSTRY by Devaraja, T. S.; Jagadeesha, D. K. (2021) - Out of 6 stock broking agencies, Geojit financial service ltd investors are exposed to a high-level of renewable energy industry investment and Asit C Mehta stock broking agency clients expose to the low-level of renewable energy industry investment. Till today, many researchers think renewable energy is an issue of science and engineering, but the future of renewable energy is no longer about science and technology; it's all about access to finance. Keywords: companies; energy; energy industry; experience; financial; india; industry; investment; investors

• A Study on Effectiveness of the Crop Insurance in Karnataka -With Special Reference Chikmagalur District by H.P, Hamsini; .R, Rashmi (2019) - Mahatma Jyothi Rao Phoole.(2017).To review the provisions and performance of crop insurance scheme in India. Mahatma Jyothi Rao Phoole.(2017).To review the provisions and performance of crop insurance scheme in India. Keywords: acceptance; crop; farmers; india; insurance; loan; study
• Dispute Resolution on Unauthorized Liquidation of Futures Positions at the Leading Stock Exchange in India: A Case Study by Brahmaiah, Bezawada (2020) - It is noticed that appellant didn’t send the contract notes, margin statements and margin obligations to the respondent after closure of the market on August 10, 2017 but these were sent to him in the early hours of August 11, 2017. Copyright © CC-BY-NC 2020, CRIBFB | IJFB www.cribfb.com/journal/index.php/ijfb Indian Journal of Finance and Banking Vol. 4, No. 1; 2020 66 1.3 Brief Description of the Dispute The account status of the respondent as on August 09, 2017 and the positions were  30,000 quantity of India Motors August 2017, Futures Series  30,000 quantity of India Motors September 2017 Futures series and  30,000 quantity of India Motors October 2017 Futures Series. Keywords: appellant; august; india; margin; respondent; stock; trading

• EXTERNAL SOURCES OF FUND OF MICROFINANCE INSTITUTIONS (MFI) IN BANGLADESH: DO INSTITUTIONAL CHARACTERISTICS MATTER? by Islam, Serajul (2021) - Amount of PKSF funds divided by the total funds of an MFI*100 % Donors’ fund (DON) Total amount of donations divided by the total funds of an MFI*100 % Independent Variables Number of Branches (B) Size of an MFI is based on the total number of branch Number Return on Asset (ROA) Total earnings divided by total asset Ratio Location (LOC) Dummy variable-1, if the MFI was registered in the capital city of Dhaka, 0 A lot of MFIs still use subsidized funds as their sources of capital (Armendariz de Aghion & Morduch, 2010).The sources of fund composition of MFIs in Bangladesh are the client's savings, the government's loan, loans from other MFIs, the loan from commercial banks, other loans, cumulative surplus, other funds, and the loan PKSF, and donor's fund. Keywords: bank; funds; institutions; interest; journal; loan; mfis; microfinance; model; number; pksf; rate; roa; sources; study
• INTERFERENCE OF ABORTION LAW ON THE RELATIONSHIP BETWEEN ECONOMIC DEVELOPMENT AND FERTILITY RATE OF WOMEN by Ghosh, Dona; Bhattacharyya, Chandril (2022) - However, the relationship between economic development and fertility rate varies across countries due to country- specific characteristics. First, it implies that the U-shaped association between economic progress and fertility rate is not universal. Keywords: abortion; capita; countries; development; fertility; gni; income; model; rate; relationship; type

• IMPACT OF VALUE-ADDED TAX ON GROSS DOMESTIC PRODUCT OF BANGLADESH by Jewel, Jafrul Shahriar (2022) - The role of value added tax on economic growth of Ethiopia. Evaluating the impact of value added tax on the economic growth of Nigeria. Keywords: bangladesh; economic; g.d.p; growth; journal; tax; v.a.t; value
• The Pros and Cons of Adopting Technology as a Business Pilot: Global Perspective by Selase, Afenya Millicent; Selase, Aphu Elvis (2019) - Also, internet technology has positive impacts on marketing performance. Internet technology enables market research work which helps business align their products and services to consumer wants which in the long run increase consumer loyalty. Keywords: adoption; business; employees; growth; increase; information; internet; technology; use

• LEVERAGE INDUCED FINANCIAL DISTRESS OF MANUFACTURING FIRMS IN BANGLADESH: A COMPARISON BETWEEN LISTED MNCS AND DOMESTIC FIRMS BY APPLYING ALTMAN’S Z SCORE MODEL by Rahman, Syed Mohammad Khaled; Islam, Md. Khairul; Hossain, Md. Mofazzal (2021) - Safe Safe Safe Safe Safe Safe Grey Safe 2009 4.043 3.512 8.488 4.666 6.693 5.376 4.734 5.359 Safe Safe Safe Safe Safe Safe Safe Safe 2010 5.305 5.392 12.726 6.670 10.404 11.701 11.201 9.057 Safe Safe Safe Safe Safe Safe Safe Safe 2011 4.695 5.636 6.806 4.830 9.608 5.976 5.856 6.201 Safe Safe Safe Safe Safe Safe Safe Safe 2012 4.245 5.829 4.710 5.057 7.215 4.876 4.430 5.195 Safe Safe Safe Safe Safe Safe Safe Safe 2011 10.113 3.300 2.786 4.130 5.171 3.547 2.950 4.571 Safe Safe Grey Safe Safe Safe Grey Safe 2012 5.848 3.059 3.816 3.584 4.078 3.357 9.130 4.696 Keywords: companies; debt; distress; firms; grey; journal; mncs; score; study; z score; zone
• Adoption of International Financial Reporting Standard in Nigerian: The Good, the Bad and the Ugly by Kurfi, Shafi'u Abubakar (2017) - Conclusion From the study we can understand that before the convergence to IFRS Nigeria already has its own local standard called Statement of Accounting Standard ruled by Nigerian Accounting Standard Board, but now Nigeria agreed to abandoned its own standard and embrace the worldwide standard on Thursday 2nd September, 2010 and reshaped the Nigerian Accounting Standard Board into Financial Reporting Council (FRC) in order to fulfilled the requirement of International Reporting Standard Board. Therefore, one of the most gigantic problems associated with the adoption of IRFS in Nigeria is shortage of qualified, skilled and competent Accountants and Auditors that are expert enough to report their opinion based on the guideline of IFRS standards. Keywords: accounting; accounting standard; adoption; assets; companies; convergence; gaap; good; ias; ifrs; issues; nigerian; reporting; reporting standard; standard; statement; tax; value

• CUSTOMER TRUST IN E-BANKING DURING COVID-19 PANDEMIC IN BANGLADESH by Chowdhury, Md. Shahnur Azad; Islam, Md. Shahidul; Haque, Md. Shariful; Chowdhury, Mohammad Shyfur Rahman; Hossain, Mohammad Emdad (2022) - Structural Equation Model of E-Banking Satisfaction and E-Banking Customer Trust with Demographic Variables From the above structure equation model, the factor loadings for Communication Infrastructure Facilities is 1.37 – 2.49, for E-Banking Communication Environment is 0.62 – 1.32, and for E-Banking, Customer Satisfaction is 1.00 – 1.60 respectively. The path coefficient of E-Banking Customer Satisfaction to E-Banking Customer Trust is 0.44 (p = 0.004). Keywords: bangladesh; banking; communication; covid-19; customer; customer satisfaction; customer trust; internet; journal; satisfaction; trust; value

• CRITICAL DIMENSIONS OF WELL-BEING IN SELANGOR, MALAYSIA by Husin, Nor Azilah; Ngah, Fahmi; Yulia, Astri; Azim, Zainal Azhar Zainal; Ghazali, Amirul Syafiq Mohd (2020) - The finding revealed that the economic dimension (t-values =5.141), environment dimension (t-values =6.668), health dimension (t-value=5.092), and spiritual dimension (t- values= 4.969) were significant to well-being except for emotion dimension (t-values =0.283). The finding revealed that the economic dimension, environment dimension, health dimension, and spiritual dimension were significant to well-being except for the emotion dimension was not significant to well-being. Keywords: community; dimension; economic; environment; health; journal; life; majlis; people; research; selangor; spiritual; study

• Theoretical Review on The Graduate Attributes and The Readiness for Employability Among Engineering Graduates in The Higher Education Institutes (HEIs) in Oman by Hinai, Masoud Rashid Al; Bhuiyan, Abul Bashar; Husin, Nor Azilah (2020) - Holmes (2013) analyzed three influencing factors that affect graduate employability. Holmes (2013) analyzed the ways universities deliver graduate employability required skills and their methods of embedded them into their program curricula. Keywords: attributes; capital; education; employability; employability skills; engineering; factors; graduates; learning; oman; readiness; skills; study
• AN EMPIRICAL REVIEW ON THE GRADUATE ATTRIBUTES AND READINESS FOR EMPLOYABILITY AMONG THE ENGINEERING GRADUATES IN THE HIGHER EDUCATION INSTITUTIONS (HEIs) by Hinai, Masoud Rashid Al; Bhuiyan, Abul Bashar; Husin, Nor Azilah (2020) - The definition of graduate employability or graduate readiness for employability can be understood to indicate the readiness of HEIs graduates to be employed. In a comprehensive report on developing graduate employability through partnerships with industry and professional associations by Jollands et al. (2015), there were number of aims examined. Keywords: career; education; employability; employability skills; engineering; factors; gap; gender; graduates; heis; journal; oman; readiness; skills; students; study; work

• A STUDY ON SIGNIFICANT INFLUENCE OF E-COMMERCE ADOPTION IN AGRICULTURAL SECTOR THROUGHOUT THE COVID-19: BENEFITS AND LIMITATIONS by Reddy, P. Madhu Kumar; Kumar, A. Rama (2021) - Impact of e-commerce adoption on agriculture sector throughout covid-19 Chi-Square Tests Value df Asymp. The research gap identified is very fewer studies are carried out based on analyzing the benefits and limitations of e-commerce adoption in the agriculture sector throughout covid-19. Keywords: agriculture; agriculture sector; commerce; covid-19; farmers; sector; study; years

• DIGITALIZE WITNESSING THE ALLY OF CASH? by Radhika, M.; Reddy, P. Madhu Kumar; Kumar, A. Rama (2021) - Hypothesis of the Study H01: Factors influencing the increase of mobile banking transactions during the second wave of COVID- 19. The use of internet and mobile banking services increase the efficiency of the banks in pandemic (MBSIEP) 146.00 a 4 .000 https://www.cribfb.com/journal/index.php/ijfb Indian Journal of Finance and Banking Vol. 6, No. 1; 2021 25 Increase of digital transactions during Covid-19 (IDTCOV2) 116.860 a 4 .000 Speed of mobile and fixed broadband internet networks (SMFBIN) 146.00 a 4 .000 The present study hypothesis was analyzed with the help of Chi-square (χ2) indicate that increase of mobile banking transactions during the second wave of Covid-19, dependent on various factors like mobile banking is easy, secured and safe at home (MBESS), helps in social distancing with digital payments (ASDIP), shifted to cashless society (PSCS), the majority of the transactions or services are digitalized during the pandemic (MTDDP), bank has increase the efficiency in services for internet and mobile banking (MBSIEP), an increase in digital transaction’s during the pandemic TDTCOV2, and an increase in the fixed broadband internet speed (SMFBIN) with a sample 146 respondents at 5% level of significance. Keywords: account; banking; covid-19; digital; increase; mobile; pandemic; services; transactions; wave; years

• PUBLIC, FINANCIAL AND MANAGERIAL EFFECTS ON AUTHORITY STYLES IN PUBLIC AND PRIVATE SECTOR: A CASE STUDY IN LIC AND RELIANCE INSURANCE by Gadaboina, Thirupathi (2022) - The Authority styles were associated with public, financial, and managerial proportions of employees together in public and private sectors would assist the correlation among Authority styles and proportions disturbing the Authority styles which would be supportive to identify the main important policy variables for recovering the Authority styles. The association of Authority styles with select proportions of human resources in cooperation with public and private sectors allow the alliance among Authority styles and harmonies that are distressing the Authority styles, would be supportive of categorizing the essential variables for recovering the Authority styles. Keywords: agree; authority; authority styles; insurance; proportions; public; reliance; styles
• An Analysis of Effectiveness of Bancassurance among Customers as an Alternative Distribution Channel in Bangalore by SP, Bhavana Gowda; R, Rashmi. (2019) - In this study we had conducted a survey among Customers of Bank in order to know whether they are aware of the concept of Bancassurance and exploring the reasons why customer would like to buy insurance products from banks. The respondents emphasized Trust, convenience in terms of location as the main reasons for buying the insurance products from banks instead of Insurance agents and after analyzing 24 statements administered among target sample population we can conclude: Customers feel that insurance agents have more expertise in insurance products than bank employees and can give better advice. Keywords: bancassurance; bank; banking; customers; future; insurance; products

• A Study on Evaluation of Capital Structure by Kusuma, G.D.V. (2018) - MM (1958) argues that under very restrictive assumptions of perfect capital markets, investor’s homogenous expectations, tax free economy and no transaction cost, capital structure is irrelevant in determining firm value. References Arbabiyan, Ali-Akbar & Safari, Mehdi, (2009), The effects of capital structure and profitability in the listed firms in Tehran Stock Exchange, Journal of Management Perspective, 33: 159-175. Keywords: capital; company; journal; structure; year

• EXAMINING CONVENIENCE, WEBSITE DESIGN & SOCIAL INFLUENCE AS DETERMINANTS OF USERS’ INTENTION TO USE FINTECH SERVICES by Shunmugasundaram, V; Srivastava, Shanu (2023) - Accepted Source: Authors’ 2023 DISCUSSIONS FinTech is becoming more and more popular with the development of new & innovative technologies, causing disruptive changes in the financial service sector, & opening up new prospects for telecom and retail businesses but still the long-term success of FinTech services is significantly affected by user intent towards present FinTech services (Singh et al., 2021). To assess the users’ intention towards FinTech services and to test the hypotheses, we developed a survey instrument that consists of the demographic characteristics of the informants, and 20 items were used for assessing various constructs concerned with FinTech services adoption to propose association among them. Keywords: banking; et al; fintech; fintech services; influence; intention; journal; services; study; users; website

• Transfer Pricing and the Regulations in Nigerian Milieu by Kurfi, Shafi’u Abubakar; Udin, Noraza Mat; Kasuwa, Usman Muhtari Tsohuwar (2017) - Historically, transfer pricing regulations have been captured by many tax systems since 1930s but the US and the Organisation for Economic Co-operation and Development (OECD) had some elements of transfer pricing only by 1979 (Abdallah, Wagdy&Maghrabi, 2009). For developing country like Nigeria the importance of transfer pricing regulations is to provide a climate of certainty and environment for international trade and at the same time maximize tax revenue which is of paramount importance. Keywords: firs; income; nigeria; pricing; pricing regulations; regulations; tax; transactions; transfer; transfer pricing

• ADR ON DISPUTE BETWEEN A CLIENT AND TRADING MEMBER AT THE LEADING STOCK EXCHANGE IN INDIA: A CASE STUDY by Bezawada, Brahmaiah (2022) - Names of the client (Appellant), trading member (Respondent Exchange and figures were disguised to preserve confidentiality. Further, trading members cited technical snags and glitches due to which the Auto Square off mode did not get activated. Keywords: appellant; client; inr; member; respondent; trading
• ADR ON CLIENT’S DISPUTE WITH TRADING MEMBER AT THE LEADING STOCK EXCHANGE IN INDIA: AN EMPIRICAL STUDY by Brahmaiah, Bezawada (2020) - Applicant submits that Trading Member and sub broker together cheated him for INR 61.4 million and misappropriated the payment fraudulently and accommodated others who are their relatives and close associates. The Applicant prays for recovery of INR 61.4 million which was paid by him to the Trading Member through sub broker and also damages of INR 5.0 million 0 towards financial loss, harassment and mental agony. Keywords: applicant; broker; inr; sub; trading

• Turkey's E.U Membership: Perceptions, Possibilities, and Implications by Gamawa, Yusuf Ibrahim (2017) - That the Ottoman Empire had its roots in Turkish soil makes it difficult for modern Turkey to separate itself from Ottoman culture, religion, and society in the eyes of the world. Other factors were within Turkey, the coming of a new party to power as well as its commitment to continue with the reform program of the EU and ensuring stability in southern Turkey which had been a volatile area for many years. Keywords: bid; eu membership; european; membership; turkey; turks; union

• Complex Probability and Markov Stochastic Process by Bidabad, Bijan; Bidabad, Behrouz (2019) - Therefore, the Markov or transition probability matrix of the process is defined by 1 (2) 0 , 1 ij ij N ij j P P i j s P I A Where P(h) denotes transition probability matrix at time h. Keywords: matrix; probability

Epilogue

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Created: 2025-12-23