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417 articles for “Finance”
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Assessing the Development, Effectiveness, and Sustainability of SBI in the Post-Epidemic Era
Abstract: This study examines the financial performance of the State Bank of India (SBI) over the recent five‐year period (FY2020–FY2025), focusing on profitability, asset quality, capital adequacy, efficiency, and growth. Using secondary data from SBI’s annual reports and industry publications, key financial ratios are analysed to evaluate trends in Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), Non‐Performing Asset (NPA) ratios, Cost‐to‐Income ratio, and other indicators. The …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 2, 2025 · pp. 17–21 Read article
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Enhancing Fairness and Transparency in Deep Learning- Based Stock Market Forecasting
Abstract: Over the past few years, Deep Learning Models have gained prominence as a very effective means of predicting future financial markets because these types of models are capable of identifying and modelling complex non-linear data relationships that may otherwise be missed by human analysts. By analyzing huge amounts (millions of observations) of historic data about the market, the technical indicators and sentiment derived from news articles, social media or analyst …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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Digital Solutions for Agricultural Insurance and Credit Risk Management
Abstract: This study examines the role of digital solutions in improving agricultural insurance and credit risk management among farmers. Agriculture is affected by various risks such as crop failure, climate change, pest attacks, and financial difficulties. These risks can reduce farmers’ income and create difficulties in repaying agricultural loans. The study focuses on the use of modern technologies such as artificial intelligence, satellite imaging, remote sensing, blockchain, and digital payment systems …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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Data Breach on Facebook Is an Unethical Practice for Personal and Corporate Safety and Security
Abstract: Facebook has been failed to keep its users' account information confidential. It is difficult to fight back towards safety and security for human life and potential breaches. These data breaches can reveal everything from social security numbers to personal and financial information. Once a criminal has this information, they can engage in all types of fraud under anyone's name. These consequences can include destruction or corruption of databases, the leaking …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 7, Issue 1, 2024 · pp. 25–34 Read article
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Examining the Literature on E-Banking
Abstract: The banking sector has seen a growth in internationalization, acquisitions, takeovers, and consolidation on a global scale, making it more chaotic and competitive. By offering financial services and goods, several non-banking companies are also making inroads into the banking industry (examples includes the credit card provided by Toyota, GM's vehicle financing, and Merrill Lynch's investments). As a result, consumers today have several options when choosing financial services. Banks, brokerage firms, …
Published in NOLEGEIN Journal of Management Information Systems · Vol. 7, Issue 2, 2024 · pp. 9–13 Read article
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The Future of Management Accounting: Integrating Artificial Intelligence, Big Data, and Predictive Analytics for Business Optimization
Abstract: This study examines the future of management accounting through the integration of Artificial Intelligence (AI), Big Data, and Predictive Analytics as key drivers of business optimization. The research aims to evaluate how these emerging technologies enhance decision-making efficiency, improve financial forecasting accuracy, and support cost reduction strategies in modern organizations. Adopting a secondary data analysis approach, the study synthesizes global industry reports, empirical studies, and statistical data from 2020 to …
Published in NOLEGEIN Journal of Operations Research & Management · Vol. 9, Issue 2, 2026 Read article
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Sustainable Investing in India: An Analysis of ESG Mutual Fund Performance
Abstract: The importance of investing in ESG funds has grown significantly over time as investors increasingly prioritize sustainability alongside financial returns. ESG investments not only promote corporate responsibility but also mitigate long-term risks associated with environmental, social, and governance factors. This study analyzes the performance of 36 ESG mutual funds in India using key risk-adjusted metrics such as the Sharpe Ratio, Treynor Ratio, and Jensen Alpha. The findings highlight Quant Direct …
Published in NOLEGEIN Journal of Business Ethics, Ethos & CSR · Vol. 8, Issue 1, 2025 · pp. 1–9 Read article
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The Impact of Quality Service on Customer Perspectives and Satisfaction in Selected Commercial Banks
Abstract: Bank plays a key role in the entire financial system of the nation. The banking industry has become a fundamental part of the nation’s economic development and for the financial welfare of individuals, businesses, nation etc. A particular kind of financial institution that provides services to its customers is a bank. The satisfaction of the consumer is the first goal for all businesses. Banks offer a wide range of services, …
Published in NOLEGEIN Journal of Consumer Behavior & Market Research · Vol. 5, Issue 1, 2022 Read article
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Strategic Adaptation Through Digital Transformation in The Banking Sector
Abstract: This research aims to comprehend how the banking industry has changed from a traditional banking environment to a digital one. As with many other businesses, digitalization is causing a major upheaval in the banking sector. Digital banking, blockchain, mobile banking, and artificial intelligence (AI) are examples of cutting-edge technologies that have changed the way financial services are provided. In addition to changing the way services were provided, the advent of …
Published in NOLEGEIN Journal of Consumer Behavior & Market Research · Vol. 8, Issue 2, 2025 · pp. 1–7 Read article
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A Study on Risk Management Practices in Cooperative Banks in India
Abstract: Banking Industry has done wonders for the global economy. The banking business merely takes money from savers in the form of various deposits and then gives the same money in the form of loans to borrowers. Banking activities promote and encourages the flow of money for investment to productive use this helps in development of economy to grow. It cannot be denied that the cooperative banks have not only contributed …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 5, Issue 2, 2022 · pp. 32–39 Read article
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External Debt as an Explanatory Deterrent to Nigeria’s Macroeconomic Solidity
Abstract: External debt implies fund borrowed from international financial institutions but was not paid back. This study examines the impact of external debt on some selected macroeconomic forces in Nigeria: Inflation rate, exchange rate, interest rate, and balance of payment. Time series data were used for the analysis and were sourced from the Central Bank of Nigeria, Statistical bulletin, and other relevant publications. The data are covered from 1987 to 2020. …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 5, Issue 2, 2022 · pp. 14–25 Read article
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External Bankrolling of Fiscal Deficit: Pragmatic Analysis of its Bearing on Macroeconomic Environment in Nigeria
Abstract: External financing of fiscal deficit implies a situation where funds will be solicited out of the country to finance the deficit budget in Nigeria. The study, therefore, examined the impact of external financing of fiscal deficit on some selected macroeconomic variables, Interest rate, Real Gross Domestic Product, exchange rate, and unemployment rate in Nigeria. The National Bureau of Statistics Bulletin and the Central Bank of Nigeria Statistical Bulletin provided the …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 6, Issue 2, 2023 · pp. 1–12 Read article
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MUDRA Loan Scheme: A Comprehensive Review of Its Impact on MSMEs and Economic Inclusion
Abstract: The MUDRA Loan Scheme is very vital for the vision of India in supporting its micro and small enterprises (MSME) sector, particularly among Scheduled Castes, Scheduled Tribes, Other Backward Classes, and women. Access to affordable, collateral-free credit empowers these communities to start up and expand their businesses in a manner that supports economic inclusion and fosters self-reliance. It has at the top of things, empowered women entrepreneurs, allowing them to …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 7, Issue 2, 2024 · pp. 106–116 Read article
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Bringing Gender Gaps in Economics Empowerment: Issues, Challenges, and Opportunities for Women
Abstract: This study examines gender inequality and its influence on women’s economic empowerment, highlighting the challenges they encounter and the opportunities available to them across different areas of life. The study addresses the multidimensional barriers women encounter, including educational inequality, labor market discrimination, limited access to financial resources, and sociocultural constraints, which hinder their full participation in economic activities. The primary objective of this paper is to analyze how these factors …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 8, Issue 2, 2025 · pp. 1–12 Read article
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ULIPs: Identifying Awareness, Preferences and Buying Pattern in Mumbai
Abstract: An investment is an asset acquired with the goal of generating revenue and capital appreciation. It refers to the allocation of resources with the expectation of generating wealth to be used in the future. There are various investment choices available in India such as financial investments, real estate, commodities etc., the choice of which depends on various factors such as tenure of investment, risk appetite, financial goals etc. ULIP is …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 1, 2024 · pp. 1–9 Read article
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Parameterizing Credit Risk Management System in Commercial Banks of India
Abstract: Credit risk is the possibility that a financial institution may lose money if a borrower's circumstances worsen to the degree where an asset's value (including off-balance-sheet assets) is reduced or eliminated. The goal of this work is to make clear the challenges caused by past-due loans so that they can be utilized as a further tool to comprehend the elements of commercial banks' (CBs') credit risk management (CRM) systems in …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 6, Issue 2, 2023 · pp. 1–7 Read article
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Assessing the Impact of Demonetization on India's Cashless System: A Comparative Study
Abstract: This study compares online and offline banking habits, economic outcomes, and digital transactions to investigate how India's 2016 demonetization affects the nation's transition to a cashless economy. The goal of the abrupt elimination of the ₹500 and ₹1,000 notes was to promote the usage of digital payments and fight black money. The results show a significant increase in digital transaction volumes and quantities after demonetization, indicating enhanced financial inclusion and …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 2, 2024 · pp. 53–58 Read article
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A Study on the Influence of Cybersecurity Threats and Risk On the Adoption and Growth of Digital Banking
Abstract: Digital banking has grown into an essential part of the modern financial system by providing convenient, fast, and accessible digital financial services. such as mobile applications and online banking systems. The rapid growth of digital banking is supported by advancements in technological along with increased mobile internet accessibility, and the Demand for cashless financial services. However, the increasing use of digital banking has also resulted in cybersecurity challenges such as …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 9, Issue 2, 2026 Read article
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An Empirical Investigation on Transition from Net banking to UPI payment
Abstract: The study investigates the transition from traditional net banking to the increasingly prevalent Unified Payments Interface (UPI) among Indian consumers. Its goal is to uncover the drivers behind this shift and provide a thorough assessment of the current state of UPI adoption. Through a meticulous examination of existing literature and empirical analysis, the study identifies convenience, security, speed, rewards, and transaction reliability as key factors influencing consumers' preference for UPI …
Published in NOLEGEIN Journal of Management Information Systems · Vol. 7, Issue 2, 2024 · pp. 27–35 Read article
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A Study on the Performance of Select Real Estate Companies in India
Abstract: Real estate sector broadly includes sectors like housing, hospitality, and infrastructure plans along with land rights giving the title to land ownership, development, and natural resources. The COVID-19 outbreak has completely disrupted the social, political, religious, and financial implications of the global community. The purpose of the study was to analyze Real Estate companies’ performance inIndia. This research work includes a study to understand the growth in the performance of …
Published in NOLEGEIN Journal of Operations Research & Management · Vol. 5, Issue 1, 2022 Read article