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132 articles for “t-test”
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Factors Affecting Performance of SMEs: A Study on Satkhira District of Bangladesh
Abstract: The development of SMEs has always been a big challenge in developing countries. While SMEs are playing a significant role in the economic growth of Bangladesh, there is a lack of research examining the effects of some factors on their performance. This article proposes a conceptual framework and explains the internal factors affecting SMEs performance. The study employed qualitative interviews with the owners of SMEs dealing with 1. mango cultivation, …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 6, Issue 2, 2023 · pp. 19–32 Read article
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An Empirical Examination of Non-Performing Assets in Public Sector Banks
Abstract: As banks are backbone for Indian economy any concern that effect to the banks can create trouble for the whole economy. And non-performing assets is one of that events that affect the profitability of banks. For financial institutions, especially banks, managing non-performing assets (NPAs) is a major concern that affects both their overall performance and financial health. Because the existence of non-performing assets negatively impacted the banking system's efficiency, attention …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 1, 2024 · pp. 83–91 Read article
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A study on consumer satisfaction towards mobile app banking system
Abstract: This executive summary provides an overview of a study. Through this study, we aim to gain insights into consumer perceptions, experiences, and satisfaction levels with mobile app banking systems. By employing rigorous research methodologies, including surveys, interviews, and usability testing, we seek to identify key drivers of satisfaction and areas for improvement. The findings of this study will not only benefit banks and financial institutions in refining their mobile banking …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 1, 2024 · pp. 124–141 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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ESG Performance as a Non-Financial Determinant of Corporate Borrowing Cost: Evidence from Indian Listed Companies (2020–2025)
Abstract: This study examines the influence of Environmental, Social, and Governance (ESG) performance on corporate borrowing costs among Indian listed companies during the period 2020–2025. Using a balanced panel dataset of 50 firms across multiple sectors, the research investigates whether stronger ESG practices contribute to lower debt financing costs in an emerging market setting. The study employs advanced econometric techniques, including fixed- effects regression, instrumental variable estimation, and difference-in-differences analysis centered …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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FinMate: A Cloud-Based AI and Machine Learning Systemfor Smart Finance Management
Abstract: Managing your own money has become a lot harder since the number of digital payments in India has gone up a lot. The most popular tools still rely on fixed keyword heuristics, which means they can't learn, make predictions about the future, or give tax advice. FinMate fixes these problems with a cloud-native microservices platform that combines three machine learning models with a rule-based engine for optimising taxes. An XGBoost …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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Antecedents and Consequences of Financial Literacy in Banking: TheRole of Digital Transformation and Cyber Security Awareness
Abstract: The rapid digitalisation of retail banking has reshaped the way customers acquire financial knowledge and manage risk, making financial literacy both a product of technological change and a driver of safer financial behaviour. This study examines financial literacy as a mediating construct situated between two antecedents – digital transformation (DT) and cyber security awareness (CSA) – and three consequences – digital transaction behaviour (DTB), safe banking practices (SBP), and depositor …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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The Accuracy Paradox in AI Equity Markets: A Regime-AwareTrading Strategy using XGBoost and Walk-Forward Optimization
Abstract: This study investigates the “Accuracy Paradox” in algorithmic equity trading by examining whether a machine learning model with near-random directional prediction accuracy can still generate profitable trading outcomes when combined with effective risk- management and market-regime rules. An XGBoost classifier was developed and evaluated using approximately six years of daily market data from five major technology stocks—NVIDIA, Apple, Microsoft, Alphabet, and Meta—covering the period from January 2020 to February 2026. …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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From Perception to Empirical Association: an Integrated Assessment of Fraud Detection Effectiveness Using Forensicanalytics, Internal Controls, and Continuous Auditing
Abstract: The increasing complexity of financial transactions and the limitations of perception‑based fraud detection studies necessitate empirically grounded frameworks that move beyond subjective assessments. This study advances the literature by examining the associations among data‑driven forensic analytics (DDFA), internal control systems (ICS), continuous auditing (CA), and fraud detection effectiveness (FDE) using an integrated empirical assessment. An integrated model combining these three mechanisms is developed. A quantitative cross‑sectional research design is adopted, …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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A Comparative Performance Analysis of Machine Learning Models for Predicting Technology Sector Stock Returns Using Global Macroeconomic Indicators
Abstract: The financial markets do not depend on a single factor but are the result of interaction of macroeconomic, investor sentiment, and efficient company-specific factors. It is also difficult to predict the stock market especially in the technology industry because they are nonlinear and highly dynamic. The past few years have seen machine learning methods become effective tools in the analysis of financial data and the identification of implicit relationships that …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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Key Strategies for Enhancing Afghanistan’s Gross Domestic Product Growth: Analysis of Internal and External Influential Factors
Abstract: This study aims to examine the internal and external factors affecting the growth of Afghanistan’s Gross Domestic Product (GDP). A mixed-method approach, combining quantitative and qualitative techniques, was employed. Data were collected through questionnaires distributed to 91 employees from the Ministry of Economy, the National Statistics and Information Authority, universities professors, and analyzed using SPSS software. The reliability coefficient of the questionnaire, measured by Cronbach’s alpha, was 0.816, indicating good …
Published in NOLEGEIN Journal of Global Marketing · Vol. 9, Issue 1, 2026 Read article
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Digital Platform Preferences and Engagement Patterns in Semi-Rural Karnataka: A Study
Abstract: Digital marketing has already entered the education sector due to the proliferation of internet access and mobile technology, which offer scalable, cost-effective and targeted means of communication. As the internet is widely and easily available in rural areas, educational institutions can leverage digital marketing there as well. Objectives: The current study examines the digital platform preferences & engagements of SSLC/ 10th students studying in rural and semi-urban areas. Try to …
Published in NOLEGEIN Journal of Global Marketing · Vol. 9, Issue 1, 2026 Read article
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Examining the Behavioural Impact of Artificial Intelligence Applications in E- Commerce Ecosystems
Abstract: Within e-commerce ecosystems, artificial intelligence (AI) has emerged as a disruptive force that is altering digital decision-making, personalization tactics, and consumer engagement. AI applications such as recommendation systems, chatbots, intelligent search mechanisms, and predictive analytics are rapidly affecting online purchase behaviour. With an emphasis on purchase intention, contentment, and trust, this study investigates the behavioral effects of AI apps on customers in e-commerce settings. A structured questionnaire was used to …
Published in NOLEGEIN Journal of Global Marketing · Vol. 9, Issue 2, 2026 Read article
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Impact of Human Resource Practices on Employee Performance in Hotel Industries
Abstract: ABSTRACT Effective human resource practices improve working standards in hotel industries. The research is focus on the human resource function like recruitment and selection, training and development, induction programme, employee performance management, employee safety and security among the employee working in hotel industry in Tirupati, Andhra Pradesh. The sample size for collecting sample was 100. The questionnaires were used for data collection and questionnaires was developed using likert normal and …
Published in NOLEGEIN Journal of Human Resource Management & Development · Vol. 1, Issue 2, 2018 · pp. 9–16 Read article
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An Empirical Study on Payscale Measurment Practices in Hospitals Sector
Abstract: Human resource management practices are to manage the employee salaries, benefits and allowances in systemic manner. It involves managing a payroll department by introducing them to the most applicable core management skills. It builds on the foundation of a Payroll Compliance Practitioner’s experience, knowledge and application of legislative monitoring and effective communication of payroll programs and policies. The research is descriptive type of research. The data was collected from the …
Published in NOLEGEIN Journal of Human Resource Management & Development · Vol. 1, Issue 2, 2018 · pp. 38–42 Read article
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Professional Development of Teachers: A Rating Scale on Self- assessment of Teacher Educators for Professional Development
Abstract: Improving teacher quality is at the heart of our national effort to achieve excellence in the classroom. This comes at a time when the very structure of education is going through a profound change and recognition of wide differences when teacher education institutions will help teachers understand the strengths and weaknesses of their education in planning for their professional future. The author has thus prepared a rating scale on self-assessment …
Published in NOLEGEIN Journal of Human Resource Management & Development · Vol. 3, Issue 1, 2020 · pp. 1–7 Read article
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Faculty Motivation to Do Research: Across Disciplines in Faculties of Affiliated Colleges
Abstract: This study investigated personal, contextual, and motivational factors that influence faculty research productivity across disciplines. Participants were 80 faculty members in five different academic divisions of three Gujarat-based universities. Data were collected as selfreported via online questionnaires, and were analyzed with one-way ANOVA to test a model of factors contributing to faculty members’ research productivity. The model fit the data well, supporting the theorized contributions to faculty productivity. Three variables …
Published in NOLEGEIN Journal of Human Resource Management & Development · Vol. 3, Issue 1, 2020 · pp. 17–22 Read article
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Customer Preferences in Life Insurance Industry—A Case Study of Bareilly, Uttar Pradesh
Abstract: In the present extreme rivalry, each organization in administration segment makes a decent attempt to fulfill their client. In Insurance area, different new privately owned businesses have entered in industry by doing the merger with unfamiliar organizations. Step-by-step they are offering new administrations with the essential intend to draw in the new clients and for holding the current clients. In this examination paper, I attempted to comprehend the purchaser conduct …
Published in NOLEGEIN Journal of Human Resource Management & Development · Vol. 3, Issue 2, 2020 · pp. 22–27 Read article
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Covid19 -Reforms And Considerations A Human Resource Perspective
Abstract: December 2019 will be known in the history of mankind as a year that changed the course of corporate work environment and normal human life cycle. China claimed the first case of an indifferent and unknown form of Pneumonia on 31 December 2019. This rare form of virus spread like wild fire and gripped the entire China and was now ready to create world havoc. The World Health Organization-WHO took …
Published in NOLEGEIN Journal of Human Resource Management & Development · Vol. 4, Issue 2, 2021 · pp. 9–17 Read article
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Role of Leadership Style and Employee Performance: A Cross-sectional Study at BALCO (Solve Plastics Ltd.)
Abstract: Leadership is a very important management skill not only for individuals working in profit-makingorganizations but it also extends to non-profit making organizations and governmental organizations because all these organizations have set goals to achieve and employees with whom they intend to achieve such goals. Understanding the impact of leadership style on employee performance is the goal of this study. The researcher chooses BALCO (Solve plastic products Pvt Ltd.) for the …
Published in NOLEGEIN Journal of Human Resource Management & Development · Vol. 6, Issue 1, 2023 · pp. 16–20 Read article