{"product_id":"digital-financial-inclusion-of-women-in-msmes-copy","title":"India Banking and Finance Report 2022","description":"\u003ch2 class=\"d_normalheder\"\u003e\u003cspan\u003eAbout the Book\u003c\/span\u003e\u003c\/h2\u003e\n\u003cdiv\u003e\n\u003cp\u003e\u003cspan\u003e\u003cem\u003eThe India Banking and Finance Report (IBFR) 2022\u003c\/em\u003e is a comprehensive anthology of articles on the domestic and global financial sector. The report covers a wide vista of important subjects, from recent macro-financial developments to green finance, model risk to people risk and CBDCs to loan melas. Each issue is addressed with cogent and incisive theoretical and data analysis. While the observations and recommendations are factual, the style is crisp, clear and simple. The report highlights the challenges and opportunities in the banking and financial sector in an integrated and turbulent world, necessary reforms and prudential measures to ensure sustainable growth and financial stability, as well as lessons for the future. Hopefully, IBFR 2022 will motivate informed discussions on the BFSI sector among practitioners, regulators and policymakers. \u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003ch2 class=\"d_normalheder\"\u003e\n\u003cspan\u003e\u003c\/span\u003e\u003cbr\u003e\n\u003c\/h2\u003e\n\u003cp\u003e \u003c\/p\u003e\n\u003ch2 class=\"d_normalheder\"\u003e\u003cspan\u003ePraise for this book\u003c\/span\u003e\u003c\/h2\u003e\n\u003cdiv\u003e\n\u003cdiv\u003e\u003cspan\u003eUnlike institutional reports, the India Banking and Finance Report 2022 blends unbiased and data-founded analysis that helps understand certain special features of India’s financial markets and provides insights into future course of actions required to address current or potential concerns. This is a very useful work for academics, practitioners and policymakers alike and, of course, the students of banking and finance.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eShri N.S. Vishwanathan\u003c\/strong\u003e \u003cem\u003eFormer Deputy Governor, Reserve Bank of India, and Senior Fellow, IIM Bangalore\u003c\/em\u003e\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003eThe articles cover a gamut of subjects from monetary policy, credit risk and human resource strategy to new-age opportunities like digital transformation. I am particularly happy that the report addresses emerging and critical topics like climate finance. I strongly recommend bankers to deliberate these well-researched papers and operationalise the same in their strategies. \u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eShri B. Sambamurthy\u003c\/strong\u003e \u003cem\u003eFormerly: Chairman, Corporation Bank, Director, IDRBT, and Chairman, NPCI\u003c\/em\u003e\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003eThe papers bear the stamp of erudition and efforts put in by the respective authors. The findings and rich references would be of immense benefit to those who are engaged in policymaking and regulation as also to the practising bankers and academicians.  \u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eShri B.V. Chaubal\u003c\/strong\u003e \u003cem\u003eChairman, CDSL, and Former Deputy Managing Director, State Bank of India\u003c\/em\u003e \u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003eThe report provides a 360-degree view of the evolution of the banking system in India, the prudential policies of Indian banks, the challenges faced by them in an increasingly integrated world, and their efforts to be future-ready. Written in a lucid way, the IBFR is a must-read for everyone in academics and policy circles and anyone interested in the role of the banking system in the growth and development of a nation.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eProf. Subrata Sarkar\u003c\/strong\u003e \u003cem\u003eProfessor and Dean of Faculties, IGIDR, Mumbai \u003c\/em\u003e\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan\u003eThe report is a useful compendium of thought-provoking articles on the state of India’s financial sector. In addition to the usual areas of markets and financial risk management, it focuses on two emerging issues - digital disruption and strategies for the financial sector in view of increasing competition and uncertainty. The report also includes discussions on \u003c\/span\u003e\u003cspan\u003enew areas like green finance and retail banking sentiment index.  \u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eProf. Ashok Banerjee\u003c\/strong\u003e\u003cem\u003e Director, Indian Institute of Management Udaipur\u003c\/em\u003e\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003eThis volume is rich in insights about a wide range of current issues as well as emerging areas such as green finance and CBDCs, all backed by rigorous research. It deserves to be read by practitioners, policymakers and researchers.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan\u003e\u003cstrong\u003eDr. Niranjan Rajadhyaksha\u003c\/strong\u003e \u003cem\u003eExecutive Director, \u003c\/em\u003e\u003c\/span\u003e\u003cem\u003e\u003cspan\u003eArtha India Research Advisors\u003c\/span\u003e\u003c\/em\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003ch2 class=\"d_normalheder\"\u003e\n\u003cspan\u003e\u003c\/span\u003e\u003cbr\u003e\n\u003c\/h2\u003e\n\u003ch2 class=\"d_normalheder\"\u003e\n\u003cspan\u003e\u003c\/span\u003e\u003cbr\u003e\n\u003c\/h2\u003e\n\u003ch2 class=\"d_normalheder\"\u003e\n\u003cspan\u003e\u003c\/span\u003e\u003cbr\u003e\n\u003c\/h2\u003e\n\u003ch2 class=\"d_normalheder\"\u003e\u003cspan\u003eAbout the Author(s) \/ Editor(s)\u003c\/span\u003e\u003c\/h2\u003e\n\u003cdiv\u003e\n\u003cdiv\u003e\n\u003cstrong\u003ePartha Ray\u003c\/strong\u003e\u003cspan\u003e is the Director of NIBM. His research interests lie in global macroeconomic issues, monetary and financial sector policies and institutions.\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eArindam Bandyopadhyay\u003c\/strong\u003e is Professor and Dean (Academic Programme) at NIBM. His areas of interest are Risk Management, Basel regulations, applied corporate finance and quantitative techniques.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eSanjay Basu\u003c\/strong\u003e is Professor at NIBM. He is the editor of NIBM journal PRAJNAN. His areas of interest are Bond Portfolio Management, Market Risk Management, Asset-Liability Management, Financial Crises, Applied Game Theory and Contract Theory.\u003c\/span\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003ch1 class=\"d_normalheder\"\u003e\n\u003cspan\u003e\u003c\/span\u003e\u003cbr\u003e\n\u003c\/h1\u003e\n\u003ch2 class=\"d_normalheder\"\u003e\n\u003cspan\u003e\u003c\/span\u003e\u003cbr\u003e\n\u003c\/h2\u003e\n\u003ch2 class=\"d_normalheder\"\u003e\u003cspan\u003eContributors\u003c\/span\u003e\u003c\/h2\u003e\n\u003cdiv\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eAlka Vaidya\u003c\/strong\u003e\u003cspan\u003e is Associate Professor at NIBM. Her areas of interest are Data Analytics, Digital Payments, Cyber Security and Applications of Blockchain in Banking.\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eAnjan Roy\u003c\/strong\u003e is Professor and Dean (Research and Consultancy) at NIBM. His areas of interest are Strategic Planning and Management and Banking Operations.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eB Ashok\u003c\/strong\u003e is adjunct faculty at NIBM. He is an experienced banker who, before joining the institute, worked with Central Bank of India as General Manager, HR. He has held board level positions in Banks and Financial Institutions. His areas of interest are Human Resources Management and Leadership.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eDeepankar Roy\u003c\/strong\u003e is Associate Professor at NIBM. His research interests are in the domain of Digital Transformation, Digital Financial Services, FinTech and ICT Management.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eElizabeth James\u003c\/strong\u003e is Assistant Professor at NIBM. Her areas of interest are Corporate Finance, Corporate, MSME and Retail Credit Management, and Financial Planning and Wealth Management.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eG Nagaraju\u003c\/strong\u003e is Associate Professor at NIBM. He is actively involved in teaching, training and research in the areas of foreign exchange markets, technical analysis for financial markets, monetary policy analysis, fixed income instruments and central bank functions.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eGargi Sanati\u003c\/strong\u003e is Associate Professor at NIBM. Her research interest includes international finance, credit risk and market risk analysis, financial forecasting and interbank dealing.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eJiji Mathew\u003c\/strong\u003e is Assistant Professor at NIBM. His areas of interest are Macroeconomics of Money, Banking and Financial Markets, Monetary Policy, Central Banking, International Finance.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eKaushik Mukerjee\u003c\/strong\u003e is Professor and Dean (Training) at NIBM. His research interests are in the areas of corporate governance, strategic leadership, corporate and strategic marketing.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eKedar nath Mukherjee\u003c\/strong\u003e is Associate Professor at NIBM. His areas of interest are Financial Derivatives, Market Risk and Fixed Income Markets.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eM Manickaraj\u003c\/strong\u003e is Associate Professor and Editor, Vinimaya, at NIBM. His specialization is in the fields of equity markets, Financing MSMEs and carbon finance.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eNaveen Kumar K\u003c\/strong\u003e is Associate Professor at NIBM. His research interests are in the areas of Development Economics, Applied Finance, Agricultural Economics, New Technologies in Banking and Finance.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eRicha Verma Bajaj\u003c\/strong\u003e is Assistant Professor at NIBM. She has teaching, research and consulting experience of fifteen years in the area of Risk Management.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eSarita Bhatnagar\u003c\/strong\u003e is Assistant Professor at NIBM. Her areas of interest are Marketing of Financial Services, Customer Relationship Management, Digital Marketing, Strategies for MSME Business and Ethics in Banking.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eShomi Srivastava\u003c\/strong\u003e is Associate Professor at NIBM. His areas of specialization are Leadership, Human Resource Management, Discipline Management, Preventive Vigilance, Change Management and Organizational Development.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eSmita Roy Trivedi\u003c\/strong\u003e is Associate Professor at NIBM. Her research interests lie in international economics, central banking, foreign exchange market, macro prudential measures and technical analysis for markets.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eSunil Kulkarni\u003c\/strong\u003e is the CEO of Business Correspondents Federation of India (BCFI), a member institution with over 60 Corporate BCs servicing 30 Lakh BC Agents across India. As a Fintech Professional, he provides strategic advisory services in Fintech \u0026amp; Payments to start-ups, He has over 35 years of cross-industry experience in technology-led businesses.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e\u003cstrong\u003eTasneem Chherawala\u003c\/strong\u003e is Associate Professor at NIBM. Her domain expertise is in the areas of risk modelling and management, Basel, IFRS, financial derivatives, project finance and structured finance, in which she conducts executive trainings and PGDM courses.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan\u003e\u003c\/span\u003e\u003cbr\u003e\n\u003c\/div\u003e\n\u003ch2\u003e\n\u003cspan\u003e\u003c\/span\u003e\u003cbr\u003e\n\u003c\/h2\u003e\n\u003cp\u003e \u003c\/p\u003e\n\u003ch2\u003eContents in Detail\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"glossymenu\"\u003e\n\u003cdiv class=\"submenu\"\u003e\n\u003cdiv\u003e\u003cem\u003e\u003cspan\u003eList of Tables and Figures\u003c\/span\u003e\u003c\/em\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cem\u003e\u003cspan\u003eList of Abbreviations\u003c\/span\u003e\u003c\/em\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cem\u003e\u003cspan\u003ePreface\u003c\/span\u003e\u003c\/em\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003eI. Macroeconomy and Markets\u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e1. Macro-Financial Perspectives on the Indian Economy\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e    \u003cstrong\u003eG. Nagaraju | Jiji Mathew\u003c\/strong\u003e\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e2. Impact of Monetary Policy Signals on Fixed Income Markets in India\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e    \u003cstrong\u003e\u003cspan\u003eKedar nath Mukherjee\u003c\/span\u003e\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e3. Retail Banking Sentiment Index\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e    \u003cstrong\u003e\u003cspan\u003eElizabeth James | Smita Roy Trivedi\u003c\/span\u003e\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e4. INR Settlements in the Era of Friend-shoring\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e    \u003cstrong\u003e\u003cspan\u003eGargi Sanati\u003c\/span\u003e\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003eII. Risk Management in Financial Sector\u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e5. Mergers and Systemic Risks of Large Banks in India\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e    \u003cstrong\u003e\u003cspan\u003eAnjan Roy\u003c\/span\u003e\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e6. Operational Risk Management: Principles, Practice \u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e    \u003cspan\u003eand Preparedness among Indian Banks\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e    \u003cstrong\u003e\u003cspan\u003eRicha Verma Bajaj\u003c\/span\u003e\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e7. Model Risk Management in Credit Risk Models\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e    \u003cstrong\u003e\u003cspan\u003eTasneem Chherewala\u003c\/span\u003e\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e8. Determinants of Systemic Risk of NBFCs\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e    \u003cstrong\u003e\u003cspan\u003eSanjay Basu\u003c\/span\u003e\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e9. Green Finance Market in India: Trends, Status and \u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e    \u003cspan\u003ePotential for Bank Lending\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e    \u003cstrong\u003e\u003cspan\u003eArindam Bandyopadhyay | Anjan Roy | M. Manickaraj\u003c\/span\u003e\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003eIII. Digital Technology in Financial Sector\u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e10. Central Bank Digital Currencies: Can it Have a Role in Enhancing \u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e      \u003cspan\u003eFinancial Inclusion?\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan\u003e    \u003c\/span\u003e\u003cspan\u003e  \u003c\/span\u003e\u003cstrong\u003e\u003cspan\u003eDeepankar Roy | Partha Ray\u003c\/span\u003e\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e11. Emerging Technologies and Cybersecurity\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan\u003e    \u003c\/span\u003e\u003cspan\u003e  \u003c\/span\u003e\u003cstrong\u003e\u003cspan\u003eAlka Vaidya\u003c\/span\u003e\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e12.  Advancing Digital Financial Inclusion by Leveraging Business \u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan\u003e    \u003c\/span\u003e\u003cspan\u003e  \u003c\/span\u003e\u003cspan\u003eCorrespondent Model: Policies and Strategies\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan\u003e    \u003c\/span\u003e\u003cspan\u003e  \u003c\/span\u003e\u003cstrong\u003e\u003cspan\u003eNaveen Kumar | M. Manickaraj | Sunil Kulkarni\u003c\/span\u003e\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003eIV. HR and Strategy\u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e13. Towards a Socio-Behavioural Model of People Risk Management in Banks\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan\u003e    \u003c\/span\u003e\u003cspan\u003e  \u003c\/span\u003e\u003cstrong\u003e\u003cspan\u003eB. Ashok | Shomi Srivastava\u003c\/span\u003e\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e14. Impact of Business Strategy on Bank Profitability\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan\u003e    \u003c\/span\u003e\u003cspan\u003e  \u003c\/span\u003e\u003cstrong\u003e\u003cspan\u003eKaushik Mukerjee | Arindam Bandyopadhyay\u003c\/span\u003e\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan\u003e15. Revisiting ‘Loan Melas’: Qualitative Study and\u003cbr\u003e      \u003c\/span\u003e\u003cspan\u003eAnalysis of Practice in Credit Marketing\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan\u003e    \u003c\/span\u003e\u003cspan\u003e  \u003c\/span\u003e\u003cstrong\u003e\u003cspan\u003eSarita Bhatnagar | Anjan Roy\u003c\/span\u003e\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cem\u003e\u003cspan\u003eAnnexures\u003c\/span\u003e\u003c\/em\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cem\u003e\u003cspan\u003eAbout the Contributors\u003c\/span\u003e\u003c\/em\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003ch2 class=\"d_normalheder\"\u003e\n\u003cmeta charset=\"utf-8\"\u003e \u003cbr\u003e\n\u003c\/h2\u003e\n\u003ctable width=\"100%\" style=\"width: 100%; height: 78.3752px;\"\u003e\n\u003ctbody\u003e\n\u003ctr style=\"height: 19.5938px;\"\u003e\n\u003ctd style=\"width: 51.6006%; height: 19.5938px;\"\u003ePublisher\u003c\/td\u003e\n\u003ctd style=\"width: 47.9553%; height: 19.5938px;\"\u003eAF Press\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr style=\"height: 19.5938px;\"\u003e\n\u003ctd style=\"width: 51.6006%; height: 19.5938px;\"\u003ePublication Date\u003c\/td\u003e\n\u003ctd style=\"width: 47.9553%; height: 19.5938px;\"\u003e\n\u003cmeta charset=\"utf-8\"\u003e \u003cspan\u003e2023\u003c\/span\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr style=\"height: 19.5938px;\"\u003e\n\u003ctd style=\"width: 51.6006%; height: 19.5938px;\"\u003eNumber of Pages\u003c\/td\u003e\n\u003ctd style=\"width: 47.9553%; height: 19.5938px;\"\u003e236\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr style=\"height: 19.5938px;\"\u003e\n\u003ctd style=\"width: 51.6006%; height: 19.5938px;\"\u003eISBN\u003c\/td\u003e\n\u003ctd style=\"width: 47.9553%; height: 19.5938px;\"\u003e\n\u003cmeta charset=\"utf-8\"\u003e \u003cmeta charset=\"utf-8\"\u003e \u003cspan\u003e9789332706224\u003c\/span\u003e\u003cbr\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e","brand":"Partha Ray (Ed.)‚ Arindam Bandyopadhyay (Ed.)‚ Sanjay Basu (Ed.)","offers":[{"title":"Paperback \/ ENG- English \/ Banking","offer_id":51373592576321,"sku":null,"price":2495.0,"currency_code":"INR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0938\/9067\/5009\/files\/Indiabamking2022_front.png?v=1770360684","url":"https:\/\/www.academicfoundation.com\/products\/digital-financial-inclusion-of-women-in-msmes-copy","provider":"Academic Foundation | AF Press","version":"1.0","type":"link"}