Dr. Rashmy Moray - Academia.edu (original) (raw)
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Papers by Dr. Rashmy Moray
Asian Journal of Research in Banking and Finance
Journal of Pharmaceutical Research International, 2021
Most representatives working in banks have been affected severely due to COVID 19 widespread in I... more Most representatives working in banks have been affected severely due to COVID 19 widespread in India. This comprehensive examination's key goal is to carefully examine mental health problems such as anxiety and depression among the bank employees and identify their relationship with aggression against their co-workers during COVID-19 circumstance. A non-probability snowball testing procedure has been utilized to direct online surveys from 536 employees. A moderate level of information has been perceived about COVID 19 among the employees working in banks. Besides COVID-19 related information, anxiety was surveyed by English adaptation of GAD-scale; an English version of CES-D has been used to gauge the depression and aggression against co-workers and is assessed by Conflict Tactics Scales. Affiliations between aggressions against co-workers with mental health problems have been recognized using multiple logistic regressions. The predominance of anxiety and depression is 24.27% ...
Asian Journal of Empirical Research, 2018
The research is aimed at the short term IPO returns that are issued on the National Stock Exchang... more The research is aimed at the short term IPO returns that are issued on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE). The evaluation of IPO is done on the basis of the returns generated on the day of issue, 10 and 30 days after the day of issue. The significance of this paper can be realized from the fact whether the return generated in short term in comparison to the market are more or less i.e. the IPO has outperformed the index as a benchmark. The study includes a sample of 28 IPO`s issued from the year 2013 to 2015. The results showed that the mean % performance of IPO on the day of issue, 10 and 30 days after the day of issue is 9%, 10% and 10% respectively for NSE and 8%, 9% and 14% respectively for BSE. The above results are also supported with relative valuation index which thus brings us to a very important conclusion that the Indian Stock market provides significant returns within 30 days from the date of issue of share.
Microfinance can easily be explained or quoted as a provision which encompasses a far-reaching di... more Microfinance can easily be explained or quoted as a provision which encompasses a far-reaching dimension of services which are financial in essence such as insurance for the destitute, households with low income, loans, payment services, money transfers, deposits etc. This arrangement can also envelop enterprises and small businesses owned by them. Microfinance quintessentially is a very potent and compelling apparatus to ensure that finance is accessible to the unbanked space in the bucolic as well the avantgarde burghal slums. The destitute shall be bystander to the ameliorated living standards, enhanced earning capacity, asset formulation which will lead to improved quality of life with enhanced awareness and avenues of improved provisions of savings, insurance and credit facilities Over the last few decades India has been witness to breakneck urbanisation and the public data is distinctly indicative of an august number of cities having seen a large quantum of po...
Since the Indian regulators have initiated the implementation of Basel norms the relations betwee... more Since the Indian regulators have initiated the implementation of Basel norms the relations between banks and customers who were operated within an untidy system took the shape of a practical system signalling the revival of a new wave of consumerism. There has been a radical transformation in the bank and customer relationship as a result of harmonisation with the international standards. In the globalisation era, Indian banking system underwent revolutionary changes in terms of technology, Core Banking Solutions, telecommunications and increased usage of social media. These phenomena have a credible impact on the consumerism of Indian banks especially, the Public Sector Banks (PSBs). This research paper is an effort to identify the response of banks to the growing consumerism post Basel II implementation in India with special reference to PSBs. At the same time an effort has been made to identify the key sources of competitive advantage of the PSBs in the market place to meet the d...
Asian Journal of Empirical Research, 2019
The objective of this study is to identify the demographic factors and behavioural biases affecti... more The objective of this study is to identify the demographic factors and behavioural biases affecting the financial planning of the Millennials. For this purpose the investing behaviour of the Millennials in the IT Industry as a representative sample with respect to retirement planning has been studied using the Retirement Wellness Score. Logistic regression analysis was performed to determine the likelihood of whether the Millennials are ready for retirement with the main aim of showing the relationship between the study variables. An attempt has been made to develop a predictive model that would help in determining the Millennials` readiness for retirement given their demographic variables and dominant bias presence. This research contributes to developing an understanding of Millennials` financial planning for retirement.
Asian Journal of Agriculture and Rural Development
This paper stresses the implication that technology has an important role in the economic progres... more This paper stresses the implication that technology has an important role in the economic progress of farmers. Analysis through the structural equation modelling reveals that technology has a high impact on a significant portion of the rural areas. With 150 respondents from the Osmanabad district of the state of Maharashtra this study focusses on two major reasons for adoption of agro technology. The initial schedule contained 116 items on various dimensions of self-motivation, external influences, social development, economic development, economic progress, health, and behavioral aspects. 90 items were retained. Since it is a multivariable study, confirmatory factor analysis and Structural Equation Modeling (SEM) are used in this study for data analysis in addition to parametric statistical tools. SPSS (20.0) and AMOS has been used for the same. It has been found that there is a correlation between technology and economic progress of farmers and that health consciousness has increa...
Asian Journal of Research in Banking and Finance
Journal of Pharmaceutical Research International, 2021
Most representatives working in banks have been affected severely due to COVID 19 widespread in I... more Most representatives working in banks have been affected severely due to COVID 19 widespread in India. This comprehensive examination's key goal is to carefully examine mental health problems such as anxiety and depression among the bank employees and identify their relationship with aggression against their co-workers during COVID-19 circumstance. A non-probability snowball testing procedure has been utilized to direct online surveys from 536 employees. A moderate level of information has been perceived about COVID 19 among the employees working in banks. Besides COVID-19 related information, anxiety was surveyed by English adaptation of GAD-scale; an English version of CES-D has been used to gauge the depression and aggression against co-workers and is assessed by Conflict Tactics Scales. Affiliations between aggressions against co-workers with mental health problems have been recognized using multiple logistic regressions. The predominance of anxiety and depression is 24.27% ...
Asian Journal of Empirical Research, 2018
The research is aimed at the short term IPO returns that are issued on the National Stock Exchang... more The research is aimed at the short term IPO returns that are issued on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE). The evaluation of IPO is done on the basis of the returns generated on the day of issue, 10 and 30 days after the day of issue. The significance of this paper can be realized from the fact whether the return generated in short term in comparison to the market are more or less i.e. the IPO has outperformed the index as a benchmark. The study includes a sample of 28 IPO`s issued from the year 2013 to 2015. The results showed that the mean % performance of IPO on the day of issue, 10 and 30 days after the day of issue is 9%, 10% and 10% respectively for NSE and 8%, 9% and 14% respectively for BSE. The above results are also supported with relative valuation index which thus brings us to a very important conclusion that the Indian Stock market provides significant returns within 30 days from the date of issue of share.
Microfinance can easily be explained or quoted as a provision which encompasses a far-reaching di... more Microfinance can easily be explained or quoted as a provision which encompasses a far-reaching dimension of services which are financial in essence such as insurance for the destitute, households with low income, loans, payment services, money transfers, deposits etc. This arrangement can also envelop enterprises and small businesses owned by them. Microfinance quintessentially is a very potent and compelling apparatus to ensure that finance is accessible to the unbanked space in the bucolic as well the avantgarde burghal slums. The destitute shall be bystander to the ameliorated living standards, enhanced earning capacity, asset formulation which will lead to improved quality of life with enhanced awareness and avenues of improved provisions of savings, insurance and credit facilities Over the last few decades India has been witness to breakneck urbanisation and the public data is distinctly indicative of an august number of cities having seen a large quantum of po...
Since the Indian regulators have initiated the implementation of Basel norms the relations betwee... more Since the Indian regulators have initiated the implementation of Basel norms the relations between banks and customers who were operated within an untidy system took the shape of a practical system signalling the revival of a new wave of consumerism. There has been a radical transformation in the bank and customer relationship as a result of harmonisation with the international standards. In the globalisation era, Indian banking system underwent revolutionary changes in terms of technology, Core Banking Solutions, telecommunications and increased usage of social media. These phenomena have a credible impact on the consumerism of Indian banks especially, the Public Sector Banks (PSBs). This research paper is an effort to identify the response of banks to the growing consumerism post Basel II implementation in India with special reference to PSBs. At the same time an effort has been made to identify the key sources of competitive advantage of the PSBs in the market place to meet the d...
Asian Journal of Empirical Research, 2019
The objective of this study is to identify the demographic factors and behavioural biases affecti... more The objective of this study is to identify the demographic factors and behavioural biases affecting the financial planning of the Millennials. For this purpose the investing behaviour of the Millennials in the IT Industry as a representative sample with respect to retirement planning has been studied using the Retirement Wellness Score. Logistic regression analysis was performed to determine the likelihood of whether the Millennials are ready for retirement with the main aim of showing the relationship between the study variables. An attempt has been made to develop a predictive model that would help in determining the Millennials` readiness for retirement given their demographic variables and dominant bias presence. This research contributes to developing an understanding of Millennials` financial planning for retirement.
Asian Journal of Agriculture and Rural Development
This paper stresses the implication that technology has an important role in the economic progres... more This paper stresses the implication that technology has an important role in the economic progress of farmers. Analysis through the structural equation modelling reveals that technology has a high impact on a significant portion of the rural areas. With 150 respondents from the Osmanabad district of the state of Maharashtra this study focusses on two major reasons for adoption of agro technology. The initial schedule contained 116 items on various dimensions of self-motivation, external influences, social development, economic development, economic progress, health, and behavioral aspects. 90 items were retained. Since it is a multivariable study, confirmatory factor analysis and Structural Equation Modeling (SEM) are used in this study for data analysis in addition to parametric statistical tools. SPSS (20.0) and AMOS has been used for the same. It has been found that there is a correlation between technology and economic progress of farmers and that health consciousness has increa...