Shraddha Kokane | MIT PUNE (original) (raw)

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The research paper is written to study the credit appraisal process that is followed by the State... more The research paper is written to study the credit appraisal process that is followed by the State Bank of India (SBI) and Kangra Central Cooperative Bank (KCCB) in Una district, Himachal Pradesh, while providing agriculture credit to borrowers. A strong Credit Appraisal process of banks helps minimise the credit risk. Agriculture loans form a major chunk of the loans and advances portion of a bank especially in Tier 3 cities and below. Thus, the aim of the research paper is to empirically examine every step in the credit appraisal process while delivering agriculture credit. The study has been conducted using the primary data from the established branches in Una district through one-on-one interview of the managers at respective branches and secondary collection is from bank websites, regulatory bodies and consultancy reports. Through data analysis, we find that credit appraisal process in Kangra Central Cooperative Bank is comparatively more efficient and the supervision of NABARD has made the process less time consuming. The role of the revenue department, Himachal Pradesh is crucial to the whole process as the majority of the documents required to avail agriculture credit come from revenue department. It was also found that the turnaround time for agriculture credit in State Bank of India is quite long that varies from ten to twenty days and the bank staff at rural branches lacks required skill set.

Behavioural finance, which considers human behaviour in finance, is a relatively recent field, de... more Behavioural finance, which considers human behaviour in finance, is a relatively recent field, despite the fact that finance has been studied for thousands of years. Behavioural finance models, which are focused entirely on psychology, attempt to comprehend how emotions and personality influence the behaviour of individual traders. The study's main aim is to look at the behavioural factors that influence individual buyers' decisions on the NSE and BSE Stock Exchanges. The data collected from the Students, Professionals through structured questionnaire were examined and data collected were analysed using Cronbach's Alpha Reliability Test, based totally on which, hypotheses are proposed. The theories are then tested using questionnaires provided to individual customers, college students, and practitioners. The result indicates that there are five personality traits affecting the funding selections of person investors at the NSE & BSE Stock Exchange: extraversion, agreeableness, openness to experience, conscientiousness, and neuroticism. This takes a look at also tries to discover the correlation among these personality traits and investment overall performance. Every investor has a unique set of circumstances and interests, and therefore a unique perspective on financial risk and financial objectives. Investors vary in terms of their locus of influence as well as their personality traits. The findings reveal that the aspects of neuroticism, extraversion, and openness to experience have a fine mediated relationship with the investors' investment portfolio. All the personality traits have the significant relationship with the investment choices. Psychographic considerations play a significant role in deciding an individual's investing behaviour. Investment decisions carry inherent risks in themselves. A person's risk assessment is influenced by a variety of influences, one of which is the collection of personality characteristics he or she possesses. Furthermore, each individual is unique and has different financial goals. Individuals can be classified into personality groups depending on their individual psychology, which influences the investor's risk mindset and, as a result, his investment plans.The decision-making process for an individual investor can be seen as a constant process that has a profound effect on their psychology when making investment decisions. To recognise and interpret investment choices, behavioural finance focuses on individual and social recognition testing as well as emotional tolerance tests. Behavioural finance, which considers human behaviour in finance, is a relatively recent field, despite the fact that finance has been studied for thousands of years. Behavioural finance models, which are focused entirely on psychology, attempt to comprehend how emotions and personality influence the behaviour of individual traders. In the current economy, capital market investing is critical.The study's main aim is to look at the behavioural factors that influence individual buyers' decisions on the NSE and BSE Stock Exchanges. The present study aims to study the relationship between personality traits (big five model) and the investment choices of investor. The data collected from the Students, Professionals through structured questionnaire were examined and data collected were analysed using Cronbach's Alpha Reliability Test, based totally on which, hypotheses are proposed. The theories are then tested using questionnaires provided to individual customers, college students. The result of the research study proves that the personality traits have influence towards the choices of the investor. The findings reveal that all five personality traits have the significant relationship with the investment choices.

JIMS8M The Journal of Indian Management & Strategy

International Conference on Industry 4.0- Engaging with Disruptions, 2019

International Journal of All Research Education \& Scientific Methods 9 (6 {\ldots}, 2021

Behavioural finance, which considers human behaviour in finance, is a relatively recent field, de... more Behavioural finance, which considers human behaviour in finance, is a relatively recent field, despite the fact that finance has been studied for thousands of years. Behavioural finance models, which are focused entirely on psychology, attempt to comprehend how emotions and personality influence the behaviour of individual traders. The study's main aim is to look at the behavioural factors that influence individual buyers' decisions on the NSE and BSE Stock Exchanges. The data collected from the Students, Professionals through structured questionnaire were examined and data collected were analysed using Cronbach's Alpha Reliability Test, based totally on which, hypotheses are proposed. The theories are then tested using questionnaires provided to individual customers, college students, and practitioners. The result indicates that there are five personality traits affecting the funding selections of person investors at the NSE & BSE Stock Exchange: extraversion, agreeableness, openness to experience, conscientiousness, and neuroticism. This takes a look at also tries to discover the correlation among these personality traits and investment overall performance. Every investor has a unique set of circumstances and interests, and therefore a unique perspective on financial risk and financial objectives. Investors vary in terms of their locus of influence as well as their personality traits. The findings reveal that the aspects of neuroticism, extraversion, and openness to experience have a fine mediated relationship with the investors' investment portfolio. All the personality traits have the significant relationship with the investment choices. Psychographic considerations play a significant role in deciding an individual's investing behaviour. Investment decisions carry inherent risks in themselves. A person's risk assessment is influenced by a variety of influences, one of which is the collection of personality characteristics he or she possesses. Furthermore, each individual is unique and has different financial goals. Individuals can be classified into personality groups depending on their individual psychology, which influences the investor's risk mindset and, as a result, his investment plans.The decision-making process for an individual investor can be seen as a constant process that has a profound effect on their psychology when making investment decisions. To recognise and interpret investment choices, behavioural finance focuses on individual and social recognition testing as well as emotional tolerance tests. Behavioural finance, which considers human behaviour in finance, is a relatively recent field, despite the fact that finance has been studied for thousands of years. Behavioural finance models, which are focused entirely on psychology, attempt to comprehend how emotions and personality influence the behaviour of individual traders. In the current economy, capital market investing is critical.The study's main aim is to look at the behavioural factors that influence individual buyers' decisions on the NSE and BSE Stock Exchanges. The present study aims to study the relationship between personality traits (big five model) and the investment choices of investor. The data collected from the Students, Professionals through structured questionnaire were examined and data collected were analysed using Cronbach's Alpha Reliability Test, based totally on which, hypotheses are proposed. The theories are then tested using questionnaires provided to individual customers, college students. The result of the research study proves that the personality traits have influence towards the choices of the investor. The findings reveal that all five personality traits have the significant relationship with the investment choices.

International Journal of Social \& Scientific Research (IJSSR) 5 (I), 2019

Pensee International Journal, 2021

The research paper is written to study the credit appraisal process that is followed by the State... more The research paper is written to study the credit appraisal process that is followed by the State Bank of India (SBI) and Kangra Central Cooperative Bank (KCCB) in Una district, Himachal Pradesh, while providing agriculture credit to borrowers. A strong Credit Appraisal process of banks helps minimise the credit risk. Agriculture loans form a major chunk of the loans and advances portion of a bank especially in Tier 3 cities and below. Thus, the aim of the research paper is to empirically examine every step in the credit appraisal process while delivering agriculture credit.
The study has been conducted using the primary data from the established branches in Una district through one-on-one interview of the managers at respective branches and secondary collection is from bank websites, regulatory bodies and consultancy reports. Through data analysis, we find that credit appraisal process in Kangra Central Cooperative Bank is comparatively more efficient and the supervision of NABARD has made the process less time consuming. The role of the revenue department, Himachal Pradesh is crucial to the whole process as the majority of the documents required to avail agriculture credit come from revenue department. It was also found that the turnaround time for agriculture credit in State Bank of India is quite long that varies from ten to twenty days and the bank staff at rural branches lacks required skill set.

IOSR Journal of Economics & Finance (IOSR-JEF) 2017 , 2017

Asian Journal of Research in Banking and Finance, 2014

The research paper is written to study the credit appraisal process that is followed by the State... more The research paper is written to study the credit appraisal process that is followed by the State Bank of India (SBI) and Kangra Central Cooperative Bank (KCCB) in Una district, Himachal Pradesh, while providing agriculture credit to borrowers. A strong Credit Appraisal process of banks helps minimise the credit risk. Agriculture loans form a major chunk of the loans and advances portion of a bank especially in Tier 3 cities and below. Thus, the aim of the research paper is to empirically examine every step in the credit appraisal process while delivering agriculture credit. The study has been conducted using the primary data from the established branches in Una district through one-on-one interview of the managers at respective branches and secondary collection is from bank websites, regulatory bodies and consultancy reports. Through data analysis, we find that credit appraisal process in Kangra Central Cooperative Bank is comparatively more efficient and the supervision of NABARD has made the process less time consuming. The role of the revenue department, Himachal Pradesh is crucial to the whole process as the majority of the documents required to avail agriculture credit come from revenue department. It was also found that the turnaround time for agriculture credit in State Bank of India is quite long that varies from ten to twenty days and the bank staff at rural branches lacks required skill set.

Behavioural finance, which considers human behaviour in finance, is a relatively recent field, de... more Behavioural finance, which considers human behaviour in finance, is a relatively recent field, despite the fact that finance has been studied for thousands of years. Behavioural finance models, which are focused entirely on psychology, attempt to comprehend how emotions and personality influence the behaviour of individual traders. The study's main aim is to look at the behavioural factors that influence individual buyers' decisions on the NSE and BSE Stock Exchanges. The data collected from the Students, Professionals through structured questionnaire were examined and data collected were analysed using Cronbach's Alpha Reliability Test, based totally on which, hypotheses are proposed. The theories are then tested using questionnaires provided to individual customers, college students, and practitioners. The result indicates that there are five personality traits affecting the funding selections of person investors at the NSE & BSE Stock Exchange: extraversion, agreeableness, openness to experience, conscientiousness, and neuroticism. This takes a look at also tries to discover the correlation among these personality traits and investment overall performance. Every investor has a unique set of circumstances and interests, and therefore a unique perspective on financial risk and financial objectives. Investors vary in terms of their locus of influence as well as their personality traits. The findings reveal that the aspects of neuroticism, extraversion, and openness to experience have a fine mediated relationship with the investors' investment portfolio. All the personality traits have the significant relationship with the investment choices. Psychographic considerations play a significant role in deciding an individual's investing behaviour. Investment decisions carry inherent risks in themselves. A person's risk assessment is influenced by a variety of influences, one of which is the collection of personality characteristics he or she possesses. Furthermore, each individual is unique and has different financial goals. Individuals can be classified into personality groups depending on their individual psychology, which influences the investor's risk mindset and, as a result, his investment plans.The decision-making process for an individual investor can be seen as a constant process that has a profound effect on their psychology when making investment decisions. To recognise and interpret investment choices, behavioural finance focuses on individual and social recognition testing as well as emotional tolerance tests. Behavioural finance, which considers human behaviour in finance, is a relatively recent field, despite the fact that finance has been studied for thousands of years. Behavioural finance models, which are focused entirely on psychology, attempt to comprehend how emotions and personality influence the behaviour of individual traders. In the current economy, capital market investing is critical.The study's main aim is to look at the behavioural factors that influence individual buyers' decisions on the NSE and BSE Stock Exchanges. The present study aims to study the relationship between personality traits (big five model) and the investment choices of investor. The data collected from the Students, Professionals through structured questionnaire were examined and data collected were analysed using Cronbach's Alpha Reliability Test, based totally on which, hypotheses are proposed. The theories are then tested using questionnaires provided to individual customers, college students. The result of the research study proves that the personality traits have influence towards the choices of the investor. The findings reveal that all five personality traits have the significant relationship with the investment choices.

JIMS8M The Journal of Indian Management & Strategy

International Conference on Industry 4.0- Engaging with Disruptions, 2019

International Journal of All Research Education \& Scientific Methods 9 (6 {\ldots}, 2021

Behavioural finance, which considers human behaviour in finance, is a relatively recent field, de... more Behavioural finance, which considers human behaviour in finance, is a relatively recent field, despite the fact that finance has been studied for thousands of years. Behavioural finance models, which are focused entirely on psychology, attempt to comprehend how emotions and personality influence the behaviour of individual traders. The study's main aim is to look at the behavioural factors that influence individual buyers' decisions on the NSE and BSE Stock Exchanges. The data collected from the Students, Professionals through structured questionnaire were examined and data collected were analysed using Cronbach's Alpha Reliability Test, based totally on which, hypotheses are proposed. The theories are then tested using questionnaires provided to individual customers, college students, and practitioners. The result indicates that there are five personality traits affecting the funding selections of person investors at the NSE & BSE Stock Exchange: extraversion, agreeableness, openness to experience, conscientiousness, and neuroticism. This takes a look at also tries to discover the correlation among these personality traits and investment overall performance. Every investor has a unique set of circumstances and interests, and therefore a unique perspective on financial risk and financial objectives. Investors vary in terms of their locus of influence as well as their personality traits. The findings reveal that the aspects of neuroticism, extraversion, and openness to experience have a fine mediated relationship with the investors' investment portfolio. All the personality traits have the significant relationship with the investment choices. Psychographic considerations play a significant role in deciding an individual's investing behaviour. Investment decisions carry inherent risks in themselves. A person's risk assessment is influenced by a variety of influences, one of which is the collection of personality characteristics he or she possesses. Furthermore, each individual is unique and has different financial goals. Individuals can be classified into personality groups depending on their individual psychology, which influences the investor's risk mindset and, as a result, his investment plans.The decision-making process for an individual investor can be seen as a constant process that has a profound effect on their psychology when making investment decisions. To recognise and interpret investment choices, behavioural finance focuses on individual and social recognition testing as well as emotional tolerance tests. Behavioural finance, which considers human behaviour in finance, is a relatively recent field, despite the fact that finance has been studied for thousands of years. Behavioural finance models, which are focused entirely on psychology, attempt to comprehend how emotions and personality influence the behaviour of individual traders. In the current economy, capital market investing is critical.The study's main aim is to look at the behavioural factors that influence individual buyers' decisions on the NSE and BSE Stock Exchanges. The present study aims to study the relationship between personality traits (big five model) and the investment choices of investor. The data collected from the Students, Professionals through structured questionnaire were examined and data collected were analysed using Cronbach's Alpha Reliability Test, based totally on which, hypotheses are proposed. The theories are then tested using questionnaires provided to individual customers, college students. The result of the research study proves that the personality traits have influence towards the choices of the investor. The findings reveal that all five personality traits have the significant relationship with the investment choices.

International Journal of Social \& Scientific Research (IJSSR) 5 (I), 2019

Pensee International Journal, 2021

The research paper is written to study the credit appraisal process that is followed by the State... more The research paper is written to study the credit appraisal process that is followed by the State Bank of India (SBI) and Kangra Central Cooperative Bank (KCCB) in Una district, Himachal Pradesh, while providing agriculture credit to borrowers. A strong Credit Appraisal process of banks helps minimise the credit risk. Agriculture loans form a major chunk of the loans and advances portion of a bank especially in Tier 3 cities and below. Thus, the aim of the research paper is to empirically examine every step in the credit appraisal process while delivering agriculture credit.
The study has been conducted using the primary data from the established branches in Una district through one-on-one interview of the managers at respective branches and secondary collection is from bank websites, regulatory bodies and consultancy reports. Through data analysis, we find that credit appraisal process in Kangra Central Cooperative Bank is comparatively more efficient and the supervision of NABARD has made the process less time consuming. The role of the revenue department, Himachal Pradesh is crucial to the whole process as the majority of the documents required to avail agriculture credit come from revenue department. It was also found that the turnaround time for agriculture credit in State Bank of India is quite long that varies from ten to twenty days and the bank staff at rural branches lacks required skill set.

IOSR Journal of Economics & Finance (IOSR-JEF) 2017 , 2017

Asian Journal of Research in Banking and Finance, 2014