Papers by Dr. Meena Sharma
International Journal of Management Studies, 2020
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THE JOURNAL OF ORIENTAL RESEARCH MADRAS , 2021
We are living in a dynamic world where a large number of changes are brimming in the form of Vola... more We are living in a dynamic world where a large number of changes are brimming in the form of Volatility, Uncertainty, Complexity and Ambiguity (VUCA). VUCA is utilised to depict the turbulent, unpredictable and quickly changing natural settings. In this alternate world of VUCA new forces are compelling the banks, financial institutions and corporate world to change their discernment and adopt the mantra of working together. New ideas are generated and implemented in each and every day and plans of action are getting older. Volatility with precarious difficulties, and Uncertainty with obscure results, and Complex with many interconnected parts, and Ambiguous with the absence of lucidity are the risks involved in the current working environment and also known as elements of risk. Scams in banks, financial institutions and stock markets are a part of this risks and a big problem in India. DHFL scam is one of the recent and very big scam faced by the country in 2019 and involves huge amount of Rs 31,000 crore. This paper aims to identify and analyze the factors that led to this massive scam with the help of quality tool 5W2H and tries to investigate the scam in-depth. The paper also summarises the impact of scam. The question here is how to manage and minimise such scams in this VUCA world.
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IJAIEM, 2021
In last few years, India has taken a move towards the cashless economy where the payment is made ... more In last few years, India has taken a move towards the cashless economy where the payment is made through digital
modes. The revolution in the Mobile and Internet has brought this drastic change in the country revolutionising the
whole industry. A continuous increase in adoption of mobile payments and billing methods has witnessed leveraging
on the wireless technologies in the country.
‘Fintech’ is used to provide digitalised transactions to its users to perform various business tasks in a secured way
using internet based applications. Yet, the success of these application based systems depends on many other factors
like; Ease of use, security option available, Features, etc.
This paper is an attempt to compare the two biggest Unified Payments Interface (UPI) apps BHIM and Google Pay
(Tez) used by the customers. Both these applications are accepted almost equally in the market but still have some
differences which the author has tried to cover in this study with the help of survey conducted in Mumbai region for
their payment services and various factors influencing their decision while selecting these applications.
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IPE Journal of management, 2020
Behavioural finance is a study that reviews how psychological factors influence investment decisi... more Behavioural finance is a study that reviews how psychological factors influence investment decisions under unpredictable conditions. It is one of the most significant subjects which make us think about the outlook of individuals when they consider different factors while allocating resources into different investment approaches. We attempted to evaluate the attitudes of individuals when making investment decisions in various investment avenues through this study. But the questions that arise are-What do they think while investing? How do they take investment decisions? Is their decision biased and gets influenced? This paper tries to discover the significant impact of certain behavioural finance decisions like, individuals' overconfidence, interpretation, and representative, anchoring cognitive dissonance, regret aversion, narrow framing, and mental accounting in investment decisions. The study is done by collecting primary research data through a structured questionnaire and a sample of 108 investors was taken from the mumbai region. Though the main objective of the study is finding the impact and importance of behavioural finance in investors' investment decisions, as well as the study of different factors affecting investment decisions and the analysis of investors' attitudes and psychology toward investing, are the other objectives of our study.
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JDR, 2019
The value of the rupee has fallen against a basket of currencies since independence in 1947. In r... more The value of the rupee has fallen against a basket of currencies since independence in 1947. In recent years, the Indian rupee has continued to depreciate against the US dollar reaching its high of approximately Rs 71 for one US Dollar hampering its foreign trade and affecting the current account deficit. In the Indian economy, we have seen that imports growing faster than exports and there is a need to rebalance the economy by attracting more capital flows to finance the deficit and improve the competitiveness of exports.
India is a major importer of oil and exports more agricultural products. The exchange rate has an impact on trade surplus or deficit which affects the exchange rate. A weak domestic currency stimulates exports and makes imports more costly and a strong domestic currency hampers its exports and makes imports cheaper. So, it becomes important to study the impact of rupee volatility on its foreign trade and Balance of Payments.
The present study is an attempt to find out the impact of rupee volatility on India’s foreign trade and Balance of payment. The data for the study is collected from secondary sources and comprises of last 10 years of data from 2008-09 to 2017-18. Regression analysis and correlation tools are used to find out the impact of rupee volatility on foreign trade and Balance of payment.
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International Journal of Current Trends in Science and Technology, Apr 18, 2018
The crisis of 2008 resulted banks to implement BASEL III capital adequacy norms in which it was m... more The crisis of 2008 resulted banks to implement BASEL III capital adequacy norms in which it was mandatory for a bank to maintain certain capital reserves in order to reduce the risk of the bank going bankrupt. The banks were asked to maintain a certain minimum credit profile for its borrowers and it became difficult for the banks to lend funds to startups or small ventures due to high risk of default associated with them. The vacuum created by these banks in the funding space was filled by crowdfunding by offering these startups and small business with their financial needs. These ventures can pitch their business idea to everyone connected with the internet around the globe and can raise funds for their projects. It is effortless work with no paperwork as compared to bank loans, etc. Wishberry is one of the platform helping such projects as a reward based model in the field of Music, art, theatre, etc. This paper aims to discuss the crowdfunding in India with special reference to Wishberry. The data for the paper will be collected from secondary sources mainly internet.
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The crisis of 2008 resulted banks to implement BASEL III capital adequacy norms in which it was m... more The crisis of 2008 resulted banks to implement BASEL III capital adequacy norms in which it was mandatory for a bank to maintain certain capital reserves in order to reduce the risk of the bank going bankrupt. The banks were asked to maintain a certain minimum credit profile for its borrowers and it became difficult for the banks to lend funds to startups or small ventures due to high risk of default associated with them. The vacuum created by these banks in the funding space was filled by crowdfunding by offering these startups and small business with their financial needs. These ventures can pitch their business idea to everyone connected with the internet around the globe and can raise funds for their projects. It is effortless work with no paperwork as compared to bank loans, etc. Wishberry is one of the platform helping such projects as a reward based model in the field of Music, art, theatre, etc. This paper aims to discuss the crowdfunding in India with special reference to W...
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Papers by Dr. Meena Sharma
modes. The revolution in the Mobile and Internet has brought this drastic change in the country revolutionising the
whole industry. A continuous increase in adoption of mobile payments and billing methods has witnessed leveraging
on the wireless technologies in the country.
‘Fintech’ is used to provide digitalised transactions to its users to perform various business tasks in a secured way
using internet based applications. Yet, the success of these application based systems depends on many other factors
like; Ease of use, security option available, Features, etc.
This paper is an attempt to compare the two biggest Unified Payments Interface (UPI) apps BHIM and Google Pay
(Tez) used by the customers. Both these applications are accepted almost equally in the market but still have some
differences which the author has tried to cover in this study with the help of survey conducted in Mumbai region for
their payment services and various factors influencing their decision while selecting these applications.
India is a major importer of oil and exports more agricultural products. The exchange rate has an impact on trade surplus or deficit which affects the exchange rate. A weak domestic currency stimulates exports and makes imports more costly and a strong domestic currency hampers its exports and makes imports cheaper. So, it becomes important to study the impact of rupee volatility on its foreign trade and Balance of Payments.
The present study is an attempt to find out the impact of rupee volatility on India’s foreign trade and Balance of payment. The data for the study is collected from secondary sources and comprises of last 10 years of data from 2008-09 to 2017-18. Regression analysis and correlation tools are used to find out the impact of rupee volatility on foreign trade and Balance of payment.
modes. The revolution in the Mobile and Internet has brought this drastic change in the country revolutionising the
whole industry. A continuous increase in adoption of mobile payments and billing methods has witnessed leveraging
on the wireless technologies in the country.
‘Fintech’ is used to provide digitalised transactions to its users to perform various business tasks in a secured way
using internet based applications. Yet, the success of these application based systems depends on many other factors
like; Ease of use, security option available, Features, etc.
This paper is an attempt to compare the two biggest Unified Payments Interface (UPI) apps BHIM and Google Pay
(Tez) used by the customers. Both these applications are accepted almost equally in the market but still have some
differences which the author has tried to cover in this study with the help of survey conducted in Mumbai region for
their payment services and various factors influencing their decision while selecting these applications.
India is a major importer of oil and exports more agricultural products. The exchange rate has an impact on trade surplus or deficit which affects the exchange rate. A weak domestic currency stimulates exports and makes imports more costly and a strong domestic currency hampers its exports and makes imports cheaper. So, it becomes important to study the impact of rupee volatility on its foreign trade and Balance of Payments.
The present study is an attempt to find out the impact of rupee volatility on India’s foreign trade and Balance of payment. The data for the study is collected from secondary sources and comprises of last 10 years of data from 2008-09 to 2017-18. Regression analysis and correlation tools are used to find out the impact of rupee volatility on foreign trade and Balance of payment.