Quality and efficiency of credit appraisal play a key role in the overall credit risk management framework of banks by addressing the troika of adverse selection, exposure risk, and default risk. Traditional approaches for credit appraisal primarily use techniques of financial statement analysis...

Co-operatives are successful business organisations all over the world and have a presence in almost all spheres of economic activities, including banking and financial services. The success of co-operatives shows that it is possible to simultaneously pursue both economic viability and social...

Soundness of the financial system participants is a key element of the financial stability framework. In India, the banking system plays a dominant role in the overall financial system. Therefore, one of the core objectives of the banking regulations is to ensure the safety of the banks from the...

This paper examined the relationship of governance and financial parameters for scheduled urban cooperative banks in India. Governance related parameters such as participation in annual general meetings, low or nil presence of family members in boards, training of staff, etc. were found to have...

Empowering people by providing access to affordable banking services is the basic objective of financial inclusion. Microcredit plays a significant role in the process. The focus of this study was to understand the importance of the scale and delivery models on the cost of microcredit and to...

The cooperative movement is one of the most successful models globally for organising and conducting a wide cross-section of economic activities through a social enterprise. With its quintessential vision of balancing the typical profit goals with broader social objectives, the cooperative...

The Covid-19 pandemic which started in early 2020 negatively impacted the socioeconomic environment due to the widespread incidence of the disease and lockdowns that were necessitated to contain its spread. The pandemic has lasted for more than two years with multiple peaks and troughs having an...

The fixed-income securities market is a major source of capital formation and financing of economic activities. Besides, it is a dominant source of funding for sovereigns, and investments by market participants in the government securities (G-Sec) market. G-Sec markets also provide a proxy of...

The likelihood of not getting the desired funding at an appropriate cost or the probability of an undue loss of value in the event of a fire sale of assets is recognised as the liquidity risk. Moreover, a flat idiosyncratic liquidity risk does not necessarily translate into a similar risk...

A large quantum of technical work is underway in the area of alternative credit scoring to better understand and put in place an effective process of the credit risk measurement and management. However, the traditional and new approaches have their complementarities and inter-dependence. Use of...