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70 articles for “Credit”
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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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A Research Paper on Credit Management of Porbandar Commercial Co-Operative Bank in Porbandar City
Abstract: Credit management is a core process for commercial banks and therefore the ability to manage its process is essential for their success. The purpose of the study is to examine the credit management of PCC bank of Porbandar. The study used descriptive research design to know the effects of credit management on the firm’s profitability. It also contains structured questionnaire for data collection. Thus management needs to put in place …
Published in NOLEGEIN Journal of Organizational Behavior Management · Vol. 2, Issue 1, 2019 · pp. 15–18 Read article
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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
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Comprehensive study of Credit Risk Management with reference to a Public Sector Bank
Abstract: Risk is defined as the uncertainties ensuing in unfavorable outcome, negative in relation to deliberate objective or expression. Uncertainties related to hazard element effect the internet cash drift of any commercial enterprise investment. The feasible destructive effect is the ‘threat’ of the commercial enterprise. For banks, hazard control has assumed so much importance in current scenario that the rating of banks rely upon its abilities of effective identify, get right …
Published in NOLEGEIN Journal of Operations Research & Management · Vol. 1, Issue 1, 2018 · pp. 11–27 Read article
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Blockchain Boosts the Carbon Credit Economy
Abstract: Carbon Credit Trading started in the year 1997. A total of 180 countries signed the Kyoto Protocol. Unfortunately, the goal set forth in the Protocol, which called on countries to reduce their greenhouse gas emissions to 1990 levels by 5% between 2008 and 2012 was never accomplished. In today’s world, environmentalists strive to promote policies and business practices that are beneficial to the environment. The rising levels of carbon dioxide …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 5, Issue 2, 2022 · pp. 8–13 Read article
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ROLE OF SIDBI IN PROMOTING FINANCIAL INCLUSION AND CREDIT ACCESS FOR MSME’s IN INDIA
Abstract: The study has been carried out to understand the role of SIDBI in promoting financial inclusion and improving credit access for MSMEs in India. The main purpose of the study is to examine how SIDBI supports MSMEs through different financial inclusion activities and improves the availability of formal credit facilities. Both primary and secondary data were used for conducting the study. Primary data was collected from 40 MSME respondents by …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 9, Issue 2, 2026 Read article
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Credit Management Approaches and Financial Performance of Industrial Banks
Abstract: The general objective of this study was to examine credit management approaches and the financial performance of industrial banks. It was based on three specific goals: (i) to investigate the connection between client evaluation and industrial financial performance, (ii) to investigate the connection between credit collection methods and industrial financial performance, and (iii) to examine the relationship between credit monitoring techniques and financial performance of industrial Banks. The study was …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 6, Issue 2, 2023 · pp. 8–18 Read article
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A Study on Student Borrowing Behaviour Through Credit Apps in Chennai
Abstract: This research aims at studying the borrowing proportion of students through credit apps in Chennai with a focus on Slice and mPokket. While these apps do provide rapid financial support, doubts are raised regarding their implications towards an individual's financial stability and mental well-being. Factors influencing the dependency of the student have been highlighted in this research while the effect of borrowing on stress, anxiety, and decision-making about finances has …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 8, Issue 2, 2025 · pp. 1–6 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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Credit Card: 2024 Usage
Abstract: This study aims to understand credit card awareness (CCL) and credit card usage behavior (CCUB) in India. A survey was conducted; a survey with 400 respondents who use credit cards in India. The survey used to collect data had three sections: demographics, CCL, and CCUB. To assess CCL, consumers are asked to rate their knowledge of credit card terms and conditions, while CCUB measures using five questions. CCL was found …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 1, 2024 · pp. 111–117 Read article
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Role of Artificial Intelligence in Strengthening Self-Help Groups (SHGs) andMicrofinance Institutions in Rural India: A Systematic Review of Literature
Abstract: India's Self-Help Group (SHG) ecosystem is the largest microfinance model in the world, covering over 17.75 crore households as of March 2024 and representing 83.52% women-only groups. Despite this remarkable scale, SHGs and Microfinance Institutions (MFIs) in rural India continue to grapple with chronic inefficiencies: poor recordkeeping, high loan default rates, geographic exclusion, language barriers, and the persistent gap between savings-linked and credit-linked groups. Artificial Intelligence (AI) has emerged as …
Published in NOLEGEIN Journal of Leadership and Strategic Management · Vol. 9, Issue 2, 2026 Read article
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Role of Artificial Intelligence in Inclusive and Digital Lending in India
Abstract: A vast majority of the population, especially the rural and low-income strata of the society, lacks access to credit from financial institutions. Lack of documented income, issues in ascertaining the customer identity and creditworthiness, relatively high distribution, and service cost are barriers to financial inclusion. In the post-COVID era, these customers may further be isolated and deprived of formal credit. Artificial intelligence (AI) offers novel ways of assessing creditworthiness, repayment …
Published in NOLEGEIN Journal of Information Technology & Management Read article
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A Study on exploring Consumer Attitudes towards Basic Clothing Pvt Ltd Clothing
Abstract: This study examines the trade financing strategies practiced at AU Small Finance Bank and evaluates their effectiveness in supporting business growth, particularly among Micro, Small, and Medium Enterprises (MSMEs). Trade finance plays a crucial role in facilitating domestic and international trade by reducing payment risks, improving liquidity, and ensuring smooth transaction flows. The research is based on a 45-day internship in the Trade Finance Department, supported by analysis of financial …
Published in NOLEGEIN Journal of Consumer Behavior & Market Research · Vol. 9, Issue 1, 2026 Read article
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The Role of SHG-BLP on Micro Credit Access
Abstract: This study examines the role of the Self-Help Group-Bank Linkage Programme (SHG-BLP) in improving access to microcredit among rural women in Reddyvarahalli, Karnataka. The main objective is to understand the role of SHG-BLP, identify the different types of loans available to members, and examine the factors influencing access to microcredit. A descriptive research design was adopted for the study. Both primary and secondary data were collected to ensure a comprehensive …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 9, Issue 2, 2026 Read article
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Legal Framework in Deep Diving into Financial Frauds via Ad Click, Credit Card Management and Document Dispensation in E-commerce Transactions
Abstract: The financial industry is at a critical juncture with unheard-of potential and threats as it charts its course into a digital future. The advent of machine learning (ML) and artificial intelligence (AI) represents a paradigm change, offering a potent toolkit to bolster defences against more elusive and pernicious financial scams. In order to understand the dynamics of these frauds, pinpoint the weaknesses that allow them to spread, and clarify the …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 1, 2025 · pp. 28–33 Read article
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A Study on Trade Financing Strategies Practiced in AU Small Finance bank
Abstract: This study examines the trade financing strategies practiced by AU Small Finance Bank, with a particular focus on its role in supporting Micro, Small, and Medium Enterprises (MSMEs). Trade finance plays a critical role in facilitating both domestic and international trade by mitigating risks, ensuring liquidity, and building trust between trading partners. The research adopts an exploratory and descriptive design based on primary data collected during a 45-day internship and …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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Innovating Insurance Lending in Indian Fintech: A Study of Bimapay’s EMI Model, Business Strategy, and Role in Alternative Credit for Insurance Inclusion
Abstract: This study examines EMI-based insurance lending within India’s fintech ecosystem, focusing on Bimapay Finsure Pvt. Ltd. and its role in improving insurance accessibility through technology-enabled premium financing. Using primary data collected from 41 employees across finance, operations, and technology teams, the research evaluates employee understanding of the EMI model, perceptions of business model sustainability, and attitudes toward AI-driven reconciliation. Statistical analyses – including descriptive analysis, correlation, and regression – reveal …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 9, Issue 1, 2026 · pp. 28–34 Read article
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A Study on Students’ Awareness about E-Banking Products and Services of Commercial Banks in Porbandar City
Abstract: The banking sector has emerged as a very important service industry in the present competitive world. The transfer from the traditional banking to e-Banking has been a rising amendment in banking dealings. Enlarged competition, the advancement of information and communication technology, changing business environment, etc. are the important concerns that have forced banking services to change. Generally, e-banking products and services include debit, credit cards, online/Internet banking, mobile banking, and …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 3, Issue 1, 2020 · pp. 1–7 Read article
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A Study on Fintech Innovations and Their Impact on Traditional Banking Models in Indian Banking System
Abstract: The rapid growth of innovations in financial technology (Fintech) has intensely shaken traditional banking frameworks globally, with India being a vibrant case study based on its extensive unbanked population, digital infrastructure growth, and accommodating regulation policies. This research paper analyzes the influence of Fintech innovations – digital wallets, peer-to-peer lending platforms, AI-based credit scoring, blockchain-based settlement systems, and open banking APIs – on traditional banks’ business models, customer acquisition strategies, …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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Awareness of Electronic Banking among Customers in Kolhapur City
Abstract: The banking sector plays a very important role in the economy. Electronic Banking is a new trend in the field of Banking. Due to the internet and technological advances banking has changed from traditional branch banking to online banking. E-Banking is nothing but the use of technology to deliver banking products and services to its customers. The present paper has focused on the study of the relationship between awareness and …
Published in NOLEGEIN Journal of Management Information Systems · Vol. 2, Issue 2, 2019 · pp. 16–20 Read article