https://ir.vidyasagar.ac.in/jspui/handle/123456789/7523 2026-04-30T01:49:12Z 2026-04-30T01:49:12Z Mukherjee, Rupam https://ir.vidyasagar.ac.in/jspui/handle/123456789/7677 2025-10-27T15:05:55Z 2025-08-14T00:00:00Z

Title: FACTORS INFLUENCING FARMERS’ WILLINGNESS TO PARTICIPATE IN CROP INSURANCE: A STUDY IN SELECTED VILLAGES OF THE NORTH 24 PARGANAS DISTRICT OF WEST BENGAL Authors: Mukherjee, Rupam Abstract: Motivation: Weather plays a pivotal role in influencing agricultural output. Unfavourable weather events, pest attacks, and the impacts of climate change wreak havoc on farmers' fortunes. Crop insurance emerges as the sole risk management tool at farmers' disposal to confront production risks in farming. This issue demands special consideration in the Indian context, given that 85% of the nation's farmers are small and marginal, with limited capacity to withstand such risks. The scarcity of affordable institutional credit sources puts farmers in a precarious situation, leading to a burden of debt in the event of crop failure. This debt crisis has already resulted in farmer suicides across various regions of the nation. Against this backdrop, the study aims to assess the extent to which the implementation of the Central government's flagship crop insurance scheme, Pradhan Mantri Fasal Bima Yojana, since 2016, has encouraged farmers to actively participate in the programme as a risk mitigation measure in agriculture. Objectives: This study seeks to examine how various factors influence farmers' engagement in crop insurance within the study area and to identify key challenges that must be addressed to enhance farmers' involvement in the crop insurance scheme. Research Methodology: A survey employing a multi-stage sampling method was undertaken to select farming households as respondents for this study. In the initial stage, the Aamdanga block in the North 24 Parganas district of West Bengal was selected due to its high cropping intensity. Subsequently, four villages with the maximum number of cultivating households within this block were chosen in the second stage. In the final stage, 268 farmers were randomly selected for interviews, with the selection proportionate to the size of their land holdings. Subsequently, a logistic regression model is employed to assess how various factors considered in the study influence the likelihood of farmers participating in the crop insurance programme.Major Findings: The study reveals that farmers are more inclined to participate in the crop insurance scheme when they exhibit higher insurance awareness, possess experience in receiving indemnity for crop failure, have a history of borrowing from commercial banks, and hold larger landholdings. Conversely, the likelihood of engaging in the scheme decreases with age and the presence of alternative nonfarm income sources. Policy Relevance: The study suggests regularly organizing workshops in rural areas involving both banks and beneficiaries to boost insurance awareness among farmers. It also recommends the prompt settlement of insurance claims, increased utilization of technology such as drones and satellite imagery for faster damage assessment in case of crop failure, a reduction in premium subsidies, and timely notification of insured crops for a specific harvesting season. Originality: The study relies on a survey conducted by the author, ensuring the authenticity and originality of the data. Furthermore, it aims to address a research gap, as no prior study in this area has explored the factors influencing farmers' participation in crop insurance. This unique contribution can offer valuable insights to policymakers for refining their strategies. Description: PP:1-14

2025-08-14T00:00:00Z Pramanik, Atanu Paul, Biswajit Sana, Ashish Kumar https://ir.vidyasagar.ac.in/jspui/handle/123456789/7676 2025-10-27T15:05:37Z 2025-08-14T00:00:00Z

Title: THE ROLE OF INDEPENDENT FINANCIAL RESEARCH REPORTS ON STOCK MARKET: A CASE STUDY BASED ON RECENT TURMOIL IN ADANI GROUP Authors: Pramanik, Atanu; Paul, Biswajit; Sana, Ashish Kumar Abstract: Recently, US short-seller Hindenburg Research LLC released a forensic financial research report on the Adani Group on 24th January, 2023 and they raised some allegations against them mainly on misgovernance, accounting fraud, money laundering and price manipulation which results an immediate ruinous effect on Indian stock market. Due to this report, Adani Group’s market capitalization has been plunged down nearly 9 lakhs crore within a week. Also, Adani Enterprise Ltd. flagship firm of the group, unexpectedly announced the withdrawal of its Follow-on public offer (FPO) of 20,000 crores even after successfully completion of its process. The need for this study arises, as this kind of report of foreign private company is having huge impact not only on the concerned company or industry but also on the concerned economy. In this backdrop, the study is an attempt to examine the role of independent financial research reportson corporate sector in particular. Further, this study is an exploratory attempt to inquest the reliability and credibility of such kind of the independent financial research reports in different aspects such as accounting, corporate governance, regulation and so on. Description: PP:15-30

2025-08-14T00:00:00Z Minz, Wilson Peter Ahamed, Sahabuddin Bhowmik, Goutam https://ir.vidyasagar.ac.in/jspui/handle/123456789/7675 2025-10-27T15:05:25Z 2025-08-14T00:00:00Z

Title: A COMPARATIVE STUDY ON THE FINANCIAL PERFORMANCE OF DOMESTIC SYSTEMATICALLY IMPORTANT BANKS (D-SIBS) IN INDIA USING EXTENDED DUPONT ANALYSIS Authors: Minz, Wilson Peter; Ahamed, Sahabuddin; Bhowmik, Goutam Abstract: Systematically important banks play a important role in a country’s financial system due to their size, interconnectedness, complexity, substitutability and cross-jurisdictional activity. Their collapse raises the possibility of a domino effect that could severely impact the country’s economy. The RBI adopted the guidelines of D-SIBs in 2014, which was framed by BCBS and FSB in 2011, and identified SBI, HDFC and ICICI banks as Domestic systematically important banks for India. The paper aims to analyse the profitability of D-SIBs in India. The study is based on the secondary data which has been collected from the annual report of the respective banks (SBI, ICICI and HDFC) for the period 2017-18 to 2022-23. ROE of D-SIBs is measured by using extended Dupont analysis having five drivers – Asset Turnover Ratio, Equity Multiplier Ratio, Tax Burden Ratio, Interest Burden Ratio and Operating Margin Ratio. One-way anova along with post-hoc analysis has been applied to determine whether there exists any significant difference among the 5 drivers of ROE of D-SIBs. The analysis revealed that profitability of D-SIBs is comparatively in a good state, where HDFC bank exhibits the highest profitability followed by ICICI bank and SBI bank. The one-way Anova test revealed that there was significant difference in asset yield, interest burden, operating margin and return on equity. However, there was no significant difference found in tax burden ratio among the D-SIBs. The present study will help to provide an insight into the profitability of the D-SIBs in India. Description: PP: 31-48

2025-08-14T00:00:00Z Ali, Asgar Pal, Atreyee https://ir.vidyasagar.ac.in/jspui/handle/123456789/7674 2025-10-27T15:05:14Z 2025-08-14T00:00:00Z

Title: IMPACT OF FDI ON ECONOMIC GROWTH AND EMPLOYMENT IN INDIAN MANUFACTURING AND SERVICE SECTOR Authors: Ali, Asgar; Pal, Atreyee Abstract: Foreign Direct Investment (FDI) plays a pivotal role in driving economic growth and employment, particularly in developing economies like India. This study examines the impact of FDI on economic expansion and job creation in India’s manufacturing and service sectors. Over the past decades, India has emerged as a preferred investment destination due to policy reforms, liberalization measures, and an improving business climate. While FDI inflows have significantly contributed to industrial development, technological advancements, and infrastructure enhancement, their effects on employment generation remain a subject of debate. The manufacturing sector benefits from FDI through capital infusion, skill development, and the adoption of advanced production techniques, leading to increased productivity and competitiveness. Similarly, the service sector, particularly in IT, retail, and financial services, has witnessed remarkable growth due to foreign investments, fostering innovation and improving service delivery standards. However, concerns persist regarding sectoral imbalances, dependency on foreign capital, and the quality of employment generated. This study employs empirical analysis to assess the relationship between FDI inflows, GDP growth, and employment trends in both sectors. Findings suggest that while FDI has positively influenced economic expansion, its employment impact varies across industries. The research emphasizes the need for strategic policy interventions to maximize FDI benefits, promote inclusive growth, and ensure sustainable job creation. Strengthening domestic industries, enhancing labor market policies, and fostering innovation-driven investments are crucial for leveraging FDI as a catalyst for long-term economic progress. Description: PP: 49-77

2025-08-14T00:00:00Z