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70 articles for “Credit”
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Smart Finance: Leveraging Artificial Intelligence for Data-Driven Business Growth
Abstract: AI (Artificial Intelligence) has been a major factor in changing the financial landscape in recent years. The term "Smart Finance" describes use of AI tools like RPA (robotic process automation), ML (machine learning), natural language processing (NLP) to improve financial decision-making, automate repetitive tasks, and offer more in-depth understanding of how businesses operate. Financial institutions can improve customer service, manage risk better, streamline operations, and spur long-term development with this …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 1, 2025 · pp. 22–27 Read article
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Investor Confidence in Finance: Challenges of Earnings Management and Accounting Manipulation
Abstract: Investor confidence forms the cornerstone of any financial market, and in India, this trust has been repeatedly challenged by episodes of earnings management, corporate fraud, and accounting manipulation. Despite advances in regulatory mechanisms and corporate governance, recent scandals from 2023 to 2025 reveal persistent vulnerabilities that compromise market integrity. This study investigates prominent Indian cases, including the IndusInd Bank derivative accounting lapse, the cooperative credit fraud at DMCSL in Beed, …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 2, 2025 · pp. 51–57 Read article
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A Study of Gender-Based Differences in Household Finance Decisions and Consumer Behavior
Abstract: This study examines gender-based differences in household financial decision-making and consumer behavior in urban India. Household finance decisions, such as saving, spending, investment, and credit usage, are influenced not only by economic factors but also by behavioral and psychological attributes, which often vary across genders. The study adopts a quantitative and analytical research design based on primary data collected from urban households. A structured questionnaire was used to collect data …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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Pmjdy and Financial Inclusion in Gujarat: a Conceptual Review of Achievements and Usage Gaps
Abstract: The Pradhan Mantri Jan Dhan Yojana (PMJDY) is a flagship financial inclusion program of the Government of India designed to provide universal access to formal banking services. Since its introduction in 2014, the scheme has recorded remarkable progress in terms of outreach and account penetration, with more than 57 crore bank accounts opened nationwide. Despite this achievement, concerns persist regarding the effective utilization of these accounts. Evidence from official statistics, …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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A Data-Driven Study of Financial Inclusion Initiatives and Inclusive Development
Abstract: Financial literacy and inclusion are said to be crucial pillars of robust economy. Financial inclusion emphasizes on expansion of financial services to people belonging to different classes. Financial inclusion has resulted in expansion of financial services to people belonging to different classes and financial literacy works for generating demand for services that are a part of demand side. Financial inclusion provides information to people about financial services and they even …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 · pp. 1–10 Read article
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A Comparative Study of Ai-Driven and Traditional Approaches to Financial Covenant and Compliance Monitoring at Mufin Green Finance
Abstract: This study looks at how AI-driven financial covenant and compliance monitoring stacks up against traditional methods used by Mufin Green Finance, a leading non-banking financial company in India’s green finance sector. Traditionally, covenant checks depend on manual reviews, periodic audits, and rule-based systems. These processes can be slow, require a lot of labor, and are often delayed by human error. With the rise of machine learning, natural language processing, and …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 9, Issue 1, 2026 · pp. 8–16 Read article
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A Research Paper on Stress Management Among Bank Employees in Porbandar City
Abstract: The Banking sector is the helping hand of any up to date financial system. It is one of the important financial pillars of the financial system which plays a very much important role in the achievement / breakdown of an economy. Banks are one of the oldest financial mediators in the financial system. The banking system reflects the economic health of the country. Today banking sector is growing very fast. …
Published in NOLEGEIN Journal of Leadership and Strategic Management · Vol. 2, Issue 1, 2019 · pp. 19–24 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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Role of Financial Institutions Over International Trade During Economic Crisis
Abstract: The financial institutions, the fund generator and infuser in times of need are considered as a great savior by the firms. The financial institution plays an important role during the growth of every corporate firm during the period of their growth. Especially, the financial institutions under the governance of Central Bank extend their loans toward the growth of companies of a country with a belief that the expansion of the …
Published in NOLEGEIN Journal of Organizational Behavior Management · Vol. 3, Issue 1, 2020 · pp. 31–36 Read article
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Detecting Financial Vulnerability in Urban Households Using Machine Learning: A Predictive Model for Early Risk Identification
Abstract: Urban households in an emerging economy are facing financial vulnerability which is a growing socioeconomic concern and usually does not notice the traditional credit evaluation methods. This study proposes a machine learning-based model that will predict an early warning of financial vulnerability by integrating both behavioral and socioeconomic factors. A structured questionnaire was used to collect primary data comprising of 328 urban households with Indians. After data preprocess and feature …
Published in NOLEGEIN Journal of Operations Research & Management · Vol. 9, Issue 2, 2026 Read article