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Higher Educational Financing – A Utilitarian Approach 高等教育融资——一个功利主义的途径
The Review of Finance and Banking Pub Date : 2023-06-30 DOI: 10.24818/rfb.15.01.04
S. Jithendran, A.D Rajeev Kumar, Sreeanandan S.
{"title":"Higher Educational Financing – A Utilitarian Approach","authors":"S. Jithendran, A.D Rajeev Kumar, Sreeanandan S.","doi":"10.24818/rfb.15.01.04","DOIUrl":"https://doi.org/10.24818/rfb.15.01.04","url":null,"abstract":"As a gate pass to a successful career, the educational loan, ideally, should bring utility to economically weaker students. The present study attempts to develop a Structural Equation Model (SEM) for educational loan utility, which springs out of job prospects from the basic factors, namely awareness, adequacy, utilization, effectiveness, and perception of loan financing on the one hand, and defaults in repayments, on the other. The study is posted to an uneven premise of a popular assumption among loanees that education loan is more of an aid and less of a retail product. The proposed model can decipher the research paradigm by delineating how different factors contribute to derive the utility of educational loans. The model articulates a strong tenet that job prospects (precisely with skills gained) and repayment (financial behavior) are the two core elements for the sustainability of the education loan scheme. The present study signifies the need to develop a standardised tool for the selection of potential candidates to assess their employability quotient to improve the quality of financing and is placed in the range of demand-side perspectives of educational loan financing.","PeriodicalId":485298,"journal":{"name":"The Review of Finance and Banking","volume":"109 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136184923","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Adoption of Digital Financial Services and the Performance of Commercial Banks in India – A Camel Rating System Approach 数字金融服务的采用与印度商业银行的绩效——骆驼评级系统方法
The Review of Finance and Banking Pub Date : 2023-06-30 DOI: 10.24818/rfb.15.01.03
P. V Sreekanth, K. B Kiran
{"title":"Adoption of Digital Financial Services and the Performance of Commercial Banks in India – A Camel Rating System Approach","authors":"P. V Sreekanth, K. B Kiran","doi":"10.24818/rfb.15.01.03","DOIUrl":"https://doi.org/10.24818/rfb.15.01.03","url":null,"abstract":"This paper is dealing with the adoption of digital financial services on the performance of commercial banks in India. The study used camel rating system to measure pre and post adoption performance of commercial banks. The reports says that Indian banks are widely adopted digital financial services during the year 2012-13. Hence, 2004-05 to 2011-12 considered as pre adoption period and 2012-13 to 2019-20 considered as post adoption period for the data analysis. 44 banks were selected for the study based on the data availability. 15 camel ratios were identified and paired t-test used for analysis. The study found that most of the CAMEL (capital adequacy, assets, management capability, earnings, liquidity) variables are found significant to improve the financial performance of banks. The coefficient of digital financial services variables is found to be significant. This indicates that facilities of digital banking could enhance the financial performance of banks.","PeriodicalId":485298,"journal":{"name":"The Review of Finance and Banking","volume":"207 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136186210","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Influence of Personality Traits and Behavioural Biases on Irrational Investment Decision Making of Public Officials 人格特质和行为偏差对公职人员非理性投资决策的影响
The Review of Finance and Banking Pub Date : 2023-06-30 DOI: 10.24818/rfb.23.15.01.05
K. N Rathi, D. Geetha
{"title":"Influence of Personality Traits and Behavioural Biases on Irrational Investment Decision Making of Public Officials","authors":"K. N Rathi, D. Geetha","doi":"10.24818/rfb.23.15.01.05","DOIUrl":"https://doi.org/10.24818/rfb.23.15.01.05","url":null,"abstract":"This study examines the behavioural and personality factors in the investment of public officials. Investment Decision Making (IDM) of the individual investors may be rational or irrational and here the study focused on the irrational IDM. The influence of eight types of behavioural biases and Big five personality traits (BFPT) on irrational IDM are studied along with mediation effect. Significant findings of the study are that BFPT and Behavioural biases pointedly influence public officials' Irrational IDM. Personality traits have a mediating role in behavioural bias and irrational decisions. The results suggest that personality traits and Behavioural biases are key in investment decisions and the investor education and awareness programmes are vital in overcoming the biases and lead to rational decisions.","PeriodicalId":485298,"journal":{"name":"The Review of Finance and Banking","volume":"148 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136255269","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Efficiency Appraisal of Life Insurance Industry in India- Public versus Private Players 印度人寿保险行业效率评估——公私合营者
The Review of Finance and Banking Pub Date : 2023-06-30 DOI: 10.24818/rfb.15.01.06
Aparna Bhatia, Megha Mahendru
{"title":"Efficiency Appraisal of Life Insurance Industry in India- Public versus Private Players","authors":"Aparna Bhatia, Megha Mahendru","doi":"10.24818/rfb.15.01.06","DOIUrl":"https://doi.org/10.24818/rfb.15.01.06","url":null,"abstract":"The article computes cost, revenue and profit efficiency scores of Indian Life Insurance companies during the period 2013-14 to 2020-21 by employing a Non-Parametric Approach, namely, Data Envelopment Analysis (DEA). The paper also examines the efficiency of Life Insurers across ownership by comparing Public and Private Insurance Sector. The concrete findings suggest that the overall performance of Life insurance companies in terms of economic efficiencies is not satisfactory. The average cost, revenue and profit efficiency is .527, .402 and .589 respectively which is far less than the yardstick of 1. The highest level of inefficiency subsists on the revenue side, which is in turn reflected in the average of profit inefficiency. Significantly inferior efficiency scores in the Private Sector seem to have marred the average efficiency scores of Insurance sector in India.","PeriodicalId":485298,"journal":{"name":"The Review of Finance and Banking","volume":"22 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136186211","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Implication of Goods and Service Tax on State’s Revenue Efficiency: An Empirical Study on Indian States 商品和服务税对国家收入效率的影响:印度邦的实证研究
The Review of Finance and Banking Pub Date : 2023-06-30 DOI: 10.24818/rfb.15.01.02
Shubham Garg, Karam Pal Narwal, Sanjeev Kumar
{"title":"Implication of Goods and Service Tax on State’s Revenue Efficiency: An Empirical Study on Indian States","authors":"Shubham Garg, Karam Pal Narwal, Sanjeev Kumar","doi":"10.24818/rfb.15.01.02","DOIUrl":"https://doi.org/10.24818/rfb.15.01.02","url":null,"abstract":"The current study tries to assess the implications of GST adoption on the revenue efficiency of the Indian states. The results indicate that the GST implementation has increased the C-efficiency ratio of the country. Similarly, at the sub-national level, the GST implementation has increased the revenue efficiency for the consumptive and minor Indian states i.e. Manipur, Mizoram, Meghalaya, Assam, Sikkim and Nagaland. Although, the developed states still have a higher share of total GST revenue in the country, but the adoption of GST will mitigate the inter-state disparity by shifting the revenue streams from the productive states to consumptive and minor states. On the contrary, the stability analysis indicates that the GST adoption has increased the volatility in the revenue of the state governments. The finding of the study has major implications for the state and central governments, policymakers, researchers and the sitting of the fifteen finance commission in India.","PeriodicalId":485298,"journal":{"name":"The Review of Finance and Banking","volume":"31 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136186219","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Re-visiting the Validity of Phillip’s Curve in the Context of the BRICS Countries 重新审视菲利普曲线在金砖国家背景下的有效性
The Review of Finance and Banking Pub Date : 2023-06-30 DOI: 10.24818/rfb.15.01.01
Aminu Umaru, Ejila Solomon Oxford Ali, Dogo Bishara Saidu, Yunana Nancy Zigwai
{"title":"Re-visiting the Validity of Phillip’s Curve in the Context of the BRICS Countries","authors":"Aminu Umaru, Ejila Solomon Oxford Ali, Dogo Bishara Saidu, Yunana Nancy Zigwai","doi":"10.24818/rfb.15.01.01","DOIUrl":"https://doi.org/10.24818/rfb.15.01.01","url":null,"abstract":"The coexistence of inflation and unemployment rates especially in developing economies has been generating a lot of debate among researchers concerning the validity of Phillip’s curve. The current study examines the validity of Phillip’s curve in the context of the BRICS countries comprises of Brazil, Russia, India, China, and South Africa using data from the World Bank database (2020) and analyzed using a random effect static panel regression analysis. We find that the unemployment rate and output negatively and significantly influenced the inflation rate in the BRICS countries, which validates Phillip’s curve. This implies that raising unemployment and output level may likely reduce inflation rate in the BRICS countries. We, therefore, recommend the need for policymakers to choose to either stabilize prices or reduce unemployment. Also, the need for government to reduce inflation by increasing output thereby generating employment for the people. The BRICS countries should focus more on the labor-intensive technique of production to reduce the cost of production, create jobs and reduce prices.","PeriodicalId":485298,"journal":{"name":"The Review of Finance and Banking","volume":"13 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136184922","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
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