Search
230 articles for “Risk”
-
Impact of Regulatory Changes on Non-Life Insurance Companies in India
Abstract: The non-life insurance sector in India has undergone significant changes due to evolving regulatory frameworks introduced by the Insurance Regulatory and Development Authority of India (IRDAI) and other governing bodies. These regulatory changes, aimed at improving market efficience, consumer protection, and financial stability, have had a profound impact on the operations, financial strategies, and market positioning of non-life insurance companies. This paper explores the various regulatory reforms, including detariffing, mandatory …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 1, 2025 · pp. 1–9 Read article
-
A Study on Individual Investor Decision Making on Mutual Fund as a Wealth Creation Tool with Special Reference to Chennai City
Abstract: A mutual fund is a trust that pools the savings of several investors with similar investment objectives. The money collected from investors is invested by a competent fund manager in securities such as shares and debentures. The primary goal of the study is to identify the variables that affect investors' decisions regarding mutual funds. In the study both primary and secondary data are taken, and for the primary data well-structured …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 1, 2025 Read article
-
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
-
Study on Financial Analysis Practices at Elaiichiram Foods Industries
Abstract: Financial analysis plays a vital role in evaluating the performance, stability, and growth prospects of an organization. The present study focuses on the financial analysis practices at Elaiichiram Foods Industries, aiming to assess the effectiveness of financial management and decision-making processes within the firm The research examines key financial statements, including the balance sheet, income statement, and cash flow statement, to evaluate the company’s profitability, liquidity, solvency, and operational efficiency. …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
-
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
-
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
-
From Perception to Prediction? a Cross‑sectionalsurvey of 120 Finance Professionals with Fulldiagnostic Checks
Abstract: Purpose: Perception‑based surveys are common in forensic accounting research but are often criticised for lacking methodological rigor, particularly regarding common method bias, multicollinearity, and discriminant validity. This study addresses these criticisms by presenting a cross‑sectional survey of 120 finance and audit professionals that implements and transparently reports a comprehensive suite of diagnostic checks – including Harman’s single‑factor test, full collinearity VIF, confirmatory factor analysis (CFA), average variance extracted (AVE), composite …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
-
Role of Digital Lending Platforms In Enhancing Access To Formal Credit
Abstract: Digital lending platforms have changed the way people borrow money, making the loan process faster, easier, and more convenient. Instead of visiting banks, filling out many forms, and waiting for approval, people can now apply for loans through mobile apps and websites from anywhere. These platforms have become popular because they save time, require less paperwork, and provide quick access to formal credit. The main purpose of this study is …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
-
The Level of Aggression in Consumers and Non-Consumers of Cannabis in Smoking Form
Abstract: Substance abuse usually begins in adolescence. Adolescents are poly-substance abuser. They mostly widely use tobacco, alcohol and marijuana; nicotine and alcohol are termed "gateway" drugs. The several risk factors have been identified among adolescent substance abuse. These include high level of family conflicts, academic difficulties, mental disorder, depression, conduct disorder and early onset of cannabis smoking. The objective of this study is to see the level of aggression in consumers …
Published in NOLEGEIN Journal of Global Marketing · Vol. 2, Issue 2, 2019 · pp. 41–51 Read article
-
Role of Blue Ocean Strategy in Marketing of Mobiles
Abstract: The concept of blue ocean strategy is well defined in the quote blue ocean strategy: “Do not Competewith Rivals-Make Them Irrelevant”. “Blue Ocean Strategy” is considered to be a simultaneouspursuit of low cost and differentiation for creating a new space in the market. A proven and practicalapproach to creating breakthrough business ideas, blue ocean strategy seeks to make the competitionirrelevant by creating a leap in value for both the company …
Published in NOLEGEIN Journal of Global Marketing · Vol. 5, Issue 1, 2022 Read article
-
Smart Warranty
Abstract: A series of risks are involved with purchasing items online, particularly whether the product is authentic or not. Paper-based warranties are typically issued by retailers and producers for products as proof of origin, sale, ownership, history, and quality. However, paper warranties are subject to counterfeiting, loss, or theft. In this paper, we have shown how non-fungible tokens (NFTs) and blockchain platforms such as the Ethereum blockchain can be used for …
Published in NOLEGEIN Journal of Global Marketing · Vol. 6, Issue 1, 2023 · pp. 29–34 Read article
-
Market Reactions to the 2024 Lok Sabha Election: Analysing Nifty 100 Volatility and Trends Pre- and Post-Election
Abstract: The Nifty 100 Index, part of the National Stock Exchange of India (NSE), represents the top 100 large capitalization companies listed on the exchange. It includes the Nifty 50 stocks and another 50 large cap stocks, covering various sectors of the Indian economy. The index aims to provide investors with a benchmark that measures the market performance within the economic environment in India and the investment opportunities that exists. The …
Published in NOLEGEIN Journal of Global Marketing · Vol. 7, Issue 2, 2024 · pp. 19–25 Read article
-
Examining the Efficacy and Ethical Perception of Privacy-Protective Advertising Models on Consumer Trust and Brand Loyalty
Abstract: In the digital age, advertising has become deeply intertwined with personal data collection, processing and analysis. While targeted advertising offers benefits in terms of efficiency, relevance and business outcomes, it also raises substantial issues of data privacy, user autonomy, transparency and trust. This paper explores the concept of “responsible advertising” within the context of data privacy—asking how advertisers, platforms and regulators can align commercial imperatives with the ethical and legal …
Published in NOLEGEIN Journal of Global Marketing · Vol. 9, Issue 2, 2026 Read article
-
A Study on Internal Stakeholder Engagement – Through Change Management
Abstract: Change is the process of learning, embracing and adopting new ways of thinking and discarding the old thoughts, habits, values or traditions. A human being witnesses these challenges of change right from birth or even before that in the mother’s womb till the last breath of his/her life. In the present global scenario with technological changes and unprecedented events cropping up on a day-to-day basis, organizations have to compete in …
Published in NOLEGEIN Journal of Human Resource Management & Development · Vol. 1, Issue 1, 2018 · pp. 42–49 Read article
-
Ethics and Auditing: An International Perspective
Abstract: The study examined the effect of ethics on audit. The reasons for investigating the state of a company’s ethics are numerous and different. They include external societal pressures, risk management, stakeholder obligations, and identifying a baseline to measure future improvements. In some cases, a gross failure in ethics drives companies to it, which may have resulted in costly legal action or stricter government regulation. More often, however, businesses choose to …
Published in NOLEGEIN Journal of Human Resource Management & Development · Vol. 3, Issue 1, 2020 · pp. 23–31 Read article
-
Work from Home: Perception, Experiences, Proximal and Distal Diseases—COVID-19
Abstract: ‘Work from Home’ (WFH) concept has come into force due to COVID-19, which is now officially mandated and enforced strictly by rules and regulations. All sectors, IT sectors to teaching sectors, are using WFH concept. COVID-19 has forced almost all the employees of all the sectors to work from home for the first time with the new concept. As the employees are experiencing new environment, this topic attempts to and …
Published in NOLEGEIN Journal of Human Resource Management & Development · Vol. 3, Issue 2, 2020 · pp. 28–41 Read article
-
Strategic Talent Management in The Age of Gig Economy
Abstract: This study looks at how the gig economy is changing the way that traditional talent management approaches are used. In addition to addressing the opportunities and challenges presented by gig work, the paper also discusses how to manage a workforce that is flexible and has a variety of employment relationships. Best practices in talent acquisition, onboarding, and ongoing engagement are identified in this research, which also delves into the implications …
Published in NOLEGEIN Journal of Human Resource Management & Development · Vol. 7, Issue 1, 2024 · pp. 19–22 Read article
-
Women's Health and Diet: A Comprehensive Overview
Abstract: The relationship between diet and women’s health is of paramount importance, as nutrition plays a significant role in preventing and managing many health conditions unique to women. This review paper examines how dietary habits influence multiple facets of women's health, such as reproductive well-being, the management of chronic diseases, body weight regulation, bone strength, and mental well-being. It also addresses dietary recommendations, nutrient requirements, and the role of lifestyle factors …
Published in NOLEGEIN Journal of Human Resource Management & Development · Vol. 8, Issue 2, 2025 · pp. 26–30 Read article
-
Artificial Intelligence and Job Security
Abstract: NITI Aayog’s 2025 roadmap reveals that, over 60% of India’s formal sector jobs face significant automation risk by 2030, with IT and BPO industries among the most critically vulnerable sectors. This can be a huge disruption in the job market and will affect millions but, very little research has studied what corporate workers are feeling about this situation at present. Most of the studies done till now are based on …
Published in NOLEGEIN Journal of Human Resource Management & Development · Vol. 9, Issue 2, 2026 · pp. 11–18 Read article
-
A Study on Role of HR Analytics in Improving the Employee Retention
Abstract: This study explores their effectiveness of employee retention in an IT service company this research aims for determine the facts of influencing so that will be identify the HR analytics in improving the retention strategies that will be helps to improve the researches so, here the information will be carried through the structured questionnaire from 111 employees. This study reveals that the HR analytics acts as important fact to improve …
Published in NOLEGEIN Journal of Human Resource Management & Development · Vol. 9, Issue 2, 2026 Read article