scholarly journals Investment Expenditure Behavior of Remittance Receiving Households: An Analysis Using Reserve Bank of India Data

2018 ◽  
Vol 15 (3) ◽  
pp. 303-320
Author(s):  
Bharati Basu ◽  
Irudaya Rajan
Keyword(s):  
Investment Behavior ◽  
Government Programs ◽  
Investment Expenditure ◽  
Older Migrants ◽  
Children's Education ◽  
Reserve Bank ◽  
Educational Investments ◽  
Tobit Analysis ◽  
Using Data ◽  
Reserve Bank Of India

Although it is the world’s largest recipient of remittances, India lacks information about the investment behavior of its remittance receiving households. Using data from Reserve Bank of India and the Tobit analysis, this paper examines how remittances, different household and migrant characteristics have affected both the propensity to invest and the amount of investment by the remittance receiving households. The findings have significant implications for policy purposes. For example, government programs can create incentives for older migrants to have more remittance transfers. Remittance money used for children’s education could be matched to create robust flow of educational investments.

scholarly journals Analysis of Technical Efficiency of Indian Banking Sector

2014 ◽  
Vol 3 (1) ◽  
pp. 150-160
Author(s):  
Dipayan Roy
Keyword(s):  
Capital Structure ◽  
Business Strategy ◽  
Banking Sector ◽  
Data Envelopment ◽  
Continuous Change ◽  
Ownership Structures ◽  
Banking Regulations ◽  
Reserve Bank ◽  
Using Data ◽  
Reserve Bank Of India

The proactively evolved banking regulations in the Indian Banking sector under the authorative directive of the Reserve bank of India (RBI) has often brought about a change in the business strategy, capital structure and operations of the banks in the Indian banking sector. During these events of continuous change and adoption of Basel norms, we analyse the efficiency of the Indian banking sector with using Data Envelopment Analysis across three economic eras andacross the different ownership structures. The determinants of efficiency are selected on the basis of intermediation approach. We also attempt to identify whether the inefficiency arises from managerial incompetence or improper size and resource allocation. From our analysis, we identify the main cause of inefficiency in the Indian Banking sector to be arising out of improper size allocation.

scholarly journals Analysis of Technical Efficiency of Indian Banking Sector: An Application of Data Envelopment Analysis

2016 ◽  
Vol 3 (1) ◽  
pp. 150
Author(s):  
Dipayan Roy
Keyword(s):  
Data Envelopment Analysis ◽  
Business Strategy ◽  
Banking Sector ◽  
Data Envelopment ◽  
Continuous Change ◽  
Ownership Structures ◽  
Banking Regulations ◽  
Reserve Bank ◽  
Using Data ◽  
Reserve Bank Of India

<p>The proactively evolved banking regulations in the Indian Banking sector under the authorative directive of the Reserve bank of India (RBI) has often brought about a change in the business strategy, capital structure and operations of the banks in the Indian banking sector. During these events of continuous change and adoption of Basel norms, we analyse the efficiency of the Indian banking sector with using Data Envelopment Analysis across three economic eras andacross the different ownership structures. The determinants of efficiency are selected on the basis of intermediation approach. We also attempt to identify whether the inefficiency arises from managerial incompetence or improper size and resource allocation. From our analysis, we identify the main cause of inefficiency in the Indian Banking sector to be arising out of improper size allocation.</p>

scholarly journals The Monetary Crisis and Foundation for Reserve Bank of India (1890-1935)

2020 ◽  
Author(s):  
M. Balaji
Keyword(s):  
World War I ◽  
Interwar Period ◽  
Banking System ◽  
Economic Interest ◽  
Stabilization Policy ◽  
British India ◽  
World War ◽  
Reserve Bank ◽  
The World ◽  
Reserve Bank Of India

The monetary policy of British India was highly controversial during the interwar period as it aimed to protect the budgetary obligations and private commerce. The currency stabilization policy was seen as a tool to protect the British economic interest while they ruled India. The currency came under serious pressure during the World War I and Great depression, the facets of Indian currency’s dependence was exposed through the modified council bill system and Gold exchange standard. The much-needed currency reforms and banking system were conceded by the colonial administration after much wrangling for half a century.

Strategies in Mixed Budget: A Bitopological Approach

2018 ◽  
Vol 15 (01) ◽  
pp. 85-94
Author(s):  
Santanu Acharjee ◽  
Binod Chandra Tripathy
Keyword(s):  
Time Series ◽  
World Bank ◽  
Upper Bounds ◽  
Line Graphs ◽  
Mathematical Tool ◽  
Economic Literature ◽  
Bitopological Space ◽  
Reserve Bank ◽  
Local Functions ◽  
Reserve Bank Of India

The forecasting graphs of World Bank, Reserve Bank of India, etc. are mostly line graphs or time series graphs. Any forecasting contains “standard error” as an error with complicated statistical formulae. A keen observation shows that mathematical patterns are available in nature, but in most of the cases, it is difficult for us to recognize these patterns. Similarly, it is most important for us to know the least upper bounds of these line graphs or time series graphs so that peaks of the prices with respect to time will not exceed these least upper bounds. It is hard to find any statistical or mathematical tool to determine these least upper bounds. Thus we give methodology to obtain these least upper bounds. We show existence of an equilibrium between the expected price and the original price of a commodity with the help of local functions and expansion operators of a bitopological space. These methods are based on choice of a consumer. Examples are provided to show that price of a commodity cannot exceed the interval of expected price. Moreover, we try to provide possible answers to the problem of “Control of Economic Variable” of Morgenstern [O. Morgenstern, Thirteen critical points in contemporary economic theory: An interpretation, Journal of Economic Literature 10(4) 1972 1163–1189] by determining least upper bounds.

Marketing of Banking Services in India

2017 ◽  
pp. 107-133
Author(s):  
Rakhi Arora
Keyword(s):  
Banking Sector ◽  
Technological Development ◽  
Banking System ◽  
Foreign Banks ◽  
Indian Society ◽  
Reserve Bank ◽  
Nationalised Banks ◽  
The Government ◽  
Indian Banks ◽  
Reserve Bank Of India

Banking sector plays an important role in Indian Financial Sector.It has a long history that has gone through various stages of development after Liberalization, Privatization, and Globalization (LPG) has taken place. The Indian banking sector is broadly classified into scheduled banks and non-scheduled banks. The scheduled banks are those included under the 2nd Schedule of the Reserve Bank of India Act, 1934. The scheduled banks are further classified into: nationalised banks; State Bank of India and its associates; Regional Rural Banks (RRBs); foreign banks; and other Indian private sector banks, which are controlled and governed by Reserve Bank of India (Central Bank of India) and Ministry of Finance. In this era, the government has issued licenses to the new entrants to establish new banks to serve the Indian society. This chapter focuses on to show the various undergone phases of Indian banking system, growth of deposits and credits, technological development in Indian banking sector, services provided by the Indian banks, benefits and challenges faced by the Indian banks.

The Graying of American Debt

2020 ◽  
pp. 35-59 ◽  
Author(s):  
Meta Brown ◽  
Donghoon Lee ◽  
Joelle Scally ◽  
Wilbert van der Klaauw
Keyword(s):  
Federal Reserve ◽  
Consumer Credit ◽  
Federal Reserve Bank ◽  
Older Consumers ◽  
Reserve Bank ◽  
Per Capita ◽  
Using Data

Real aggregate debt in the hands of Americans age 50 to 80 increased by 59 percent between 2003 and 2015. Meanwhile, real debt held by Americans in their 20s and 30s was approximately flat. Using data from the Federal Reserve Bank of New York’s Consumer Credit Panel, we describe the extent of this debt increase and the distribution of debt growth by loan type. Real per capita home-secured debts held by older consumers show the steepest growth, though older borrowers have increased their obligations in all major debt categories. For long-held debts, these developments lead us to evaluate how such changes emerged.

Review of Infrastructure Development and Its Financing in India

Paradigm ◽  
2020 ◽  
Vol 24 (1) ◽  
pp. 109-126
Author(s):  
Reena Agrawal
Keyword(s):  
Regional Integration ◽  
Business Models ◽  
Developing Nations ◽  
Bond Market ◽  
Supply Side ◽  
Infrastructure Development ◽  
Municipal Bond ◽  
Reserve Bank ◽  
Private Participation ◽  
Reserve Bank Of India

Infrastructure is one of the most crucial pillars of productivity in any economy. Pushing infrastructure development and particularly organizing funds for infrastructure projects have been the biggest challenge in developing nations. The present study was taken up to review the infrastructure development and its financing in India. The study intended to (1) study the infrastructure development in India in the 11th and 12th Five Year Plan, (2) examine the sources used for infrastructure financing in India, (3) assess the actions taken by government to facilitate infrastructure financing and (4) propose measures to augment infrastructure financing to overcome infrastructure deficit in the country. It was found that though Government of India and Reserve Bank of India have taken several initiatives to facilitate infrastructure financing, there still exists a vast gap between supply side and the demand side. Some of the recommendations given in the paper include the need to evolve innovative business models and mitigate administrative glitches to ensure larger private participation; exploit the untapped potential of diaspora; revisit the statutory liquidity ratio norms for banks; evolve the municipal bond market; boost regional integration and improved connectivity through creation of corridors between sub-continental regions, which would not only bridge the finance gap but also the knowledge gap, etc.

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