Category: Finance »

Why banks and other financial institutions predict income of their customers?

Income is considered as one of the factors to determine success in life (Liu, Kuo, He, & Liu, 2006). Banks often rely on models which predict credit risk to decide whether to lend to a loan seeker (Junjie Liang, 2011). Any event, which is subjected to uncertainty, is predicted through actuarial models. Read more »

Stock market efficiency

While investing in the stock market, the main aim for anyone is to generate the return on invested capital. Investors aren’t only trying to get the profitable returns from investing capital, but they also expect to outperform in the market. Read more »

Stakeholder analysis as a communication tool

Stakeholder analysis is an approach, tool or set of tools used for creating knowledge about the project participants such as individuals and organizations, in a bid to understand their behavior, intentions, interrelations and interests. Read more »

Conceptualization of project risk management

In order to successfully complete a project and achieve the project goals, risk management requires to be centrally focused upon by project managers. Experiences in the past have demonstrated that risk management ought to be of critical concern to project managers, seeing that unmanaged or unmitigated risks are one of the main reasons for the failure of many projects today (Turner, 1999; Royer, 2000). Read more »

Understanding the new IRDA guidelines

The Insurance Regulatory Development Authority’s (IRDA) significant move towards adopting a customer-eccentric approach in the Indian life insurance industry has initiated hope for a better tomorrow. But at the same time it has given birth to uncertainties especially in the minds of insurance providers and insurance intermediaries or agents. Read more »

Difference between conventional banks and Islamic banks

Banking in common parlance refer to an organization which transacts in money. This term has been in use for a long time but its inception is still mysterious. Few believe the term ‘Bank’ has its origins in Italy from the term ‘Banchi’ while some believe that it has originated from Greek term ‘Banque’; both of them mean Bank (Singla, 2010-11). Read more »

Islamic financial institutions

Islamic Finance remains a largely unknown concept even today in spite of being into existence since more than six decades now. The concept of Islamic finance has its roots from Islamic countries since the 1950’s and 1960’s. Kahf (2000) asserts that the roots of Islamic finance can be found in writings on Islamic economics dating back to 1940’s. Read more »

Derivatives on a global platform and in India

Derivatives have been an old financial instrument in India, finding its roots in agricultural commodities trading. The first recorded derivatives contract, according to Chakrabarti and De (2010) took place in 1875 on a cottons exchange. Read more »

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