Associated with Integral University as Assistant Professor in Department of Business Management. Holds Ph. D in Management and Masters in Business Administration with specialization in Finance and HR. Qualified UGC-NET, JRF. Possess experience of nine academic years. Presented papers in various National and International Conferences and Seminars. Authored several research articles in the field of Finance and Human Resources Management.
Adhyayan: A Journal of Management Sciences, Jun 18, 2016
For achieving excellence it is important for organizations to value their people. Valuing, the pe... more For achieving excellence it is important for organizations to value their people. Valuing, the people in workforce means pledging to their development, engagement, satisfaction, and well-being. It is necessary for organizations to link the corporate strategy with HR strategy for living their core values. Implementing best HR practices incorporates offering more flexible, high-performance work practices that are compatible with diverse workforce and their personal needs. Organizations can excel with talented and skilled workforce and by creating a good relationship with them. The purpose of the paper is to provide an understanding to the managers for developing such HR practices that can be helpful in sustainable development. Secondary objective is to analyze organization’s success by creating value for people in the organization. Effective management of people in the organization is utmost important for achieving excellence. By implementing best practices in managing men the organizations can achieve sustainable excellence. The research is theorized and based on secondary data; it could have been more valid if based on primary data. This paper focuses on the value of workforce in the organization. It can help managers and other professionals for implementing such HR practices which can help organization in achieving business excellence. The paper includes practical examples of organizations following different HR strategies and also includes literature review about business excellence models and practices, which can contribute in HRM research.
International Journal of Management, Innovation & Entrepreneurial Research, 2015
Islamic banking seems to be an unfamiliar concept in Indian economy. Besides having a huge potent... more Islamic banking seems to be an unfamiliar concept in Indian economy. Besides having a huge potential, Islamic finance is considered to be infeasible and impractical in Indian conventional system of banking. The search for alternatives to conventional banking in the aftermath of the global financial crisis trained the spotlights on Islamic banking in many parts of the world. Today that Islamic banking has unfortunately been misunderstood in India as a religious charitable venture restricted to the country’s Muslim community. Despite its striking growth in other parts of world such as the Middle East, South East Asia (which chiefly include Malaysia and Indonesia) and Europe, it is yet to be positioned as a realistic alternative financial system and not a religious one. In this paper, an attempt is made to understand the underlying concept of Islamic banking and finance and erode some of the major misconceptions in the same context.
This paper intends to understand the various facilities provided by the Reserve Bank to expedite ... more This paper intends to understand the various facilities provided by the Reserve Bank to expedite payment and settlement issues. Domineering to the greater adoption of electronic payments are speed, efficiency and security, as also creating trust and safety of operations in the minds of the users. In line with its vision of boosting electronic payments and settlement in the country and achieving a cash-less society, the Reserve Bank continued its accomplishments in making the payment systems safer and more secure, gearing its policies towards addressing risks, if any, in the payment systems. Several initiatives for infrastructure enhancement during the year included introduction of white label ATMs, card less cash withdrawal facility for unbanked persons, introduction of next generation RTGS and enhancing the capacity of the NEFT system for larger volumes and efficiency. The trend of greater reception of electronic payments over paper cheques by the general public received further bo...
For achieving excellence it is important for organizations to value their people. Valuing, the pe... more For achieving excellence it is important for organizations to value their people. Valuing, the people in workforce means pledging to their development, engagement, satisfaction, and well-being. It is necessary for organizations to link the corporate strategy with HR strategy for living their core values. Implementing best HR practices incorporates offering more flexible, high-performance work practices that are compatible with diverse workforce and their personal needs. Organizations can excel with talented and skilled workforce and by creating a good relationship with them. The purpose of the paper is to provide an understanding to the managers for developing such HR practices that can be helpful in sustainable development. Secondary objective is to analyze organization’s success by creating value for people in the organization. Effective management of people in the organization is utmost important for achieving excellence. By implementing best practices in managing men the organiz...
Islamic banking seems to be an unfamiliar concept in Indian economy. Besides having a huge potent... more Islamic banking seems to be an unfamiliar concept in Indian economy. Besides having a huge potential, Islamic finance is considered to be infeasible and impractical in Indian Conventional system of banking. The search for alternatives to conventional banking in the aftermath of the global financial crisis trained the spotlights on Islamic banking in many parts of the world. Today that Islamic banking has unfortunately been misunderstood in India as a religious charitable venture restricted to the country’s Muslim community. Despite its striking growth in other parts of world such as the Middle East, South East Asia (which chiefly include Malaysia and Indonesia) and Europe, it is yet to be positioned as a realistic alternative financial system and not a religious one. In this paper an attempt is made to understand the underlying concept of Islamic banking and finance and erode some of the major misconceptions in the same context. Keywords: Islamic Banking, Conventional Banking, Shari...
This paper intends to understand the various facilities provided by the Reserve Bank to expedite ... more This paper intends to understand the various facilities provided by the Reserve Bank to expedite payment and settlement issues. Domineering to the greater adoption of electronic payments are speed, efficiency and security, as also creating trust and safety of operations in the minds of the users. In line with its vision of boosting electronic payments and settlement in the country and achieving a cash-less society, the Reserve Bank continued its accomplishments in making the payment systems safer and more secure, gearing its policies towards addressing risks, if any, in the payment systems. Several initiatives for infrastructure enhancement during the year included introduction of white label ATMs, card less cash withdrawal facility for unbanked persons, introduction of next generation RTGS and enhancing the capacity of the NEFT system for larger volumes and efficiency. The trend of greater reception of electronic payments over paper cheques by the general public received further boost during the year. Introduction: Financial Market Infrastructures play a critical role in the financial system and the broader economy. These infrastructures facilitate the clearing and settlement of monetary and other financial transactions, such as payments, securities, and derivative contracts (including derivatives contracts for commodities). The central bank of any country is usually the driving force in the development of national payment systems. The Reserve Bank of India as the central bank of India has been playing this developmental role and has taken several initiatives for Safe, Secure, Sound, Efficient, Accessible and Authorized payment systems in the country. The Board for Regulation and Supervision of Payment and Settlement Systems (BPSS), a subcommittee of the Central Board of the Reserve Bank of India is the highest policy making body on payment systems in the country. The BPSS is empowered for authorizing, prescribing policies and setting standards for regulating and supervising all the payment and settlement systems in the country. The Department of Payment and Settlement Systems of the Reserve Bank of India serves as the Secretariat to the Board and executes its directions. In India, the payment and settlement systems are regulated by the Payment and Settlement Systems Act, 2007 (PSS Act) which was legislated in December 2007. The PSS Act as well as the Payment and Settlement System Regulations, 2008 framed thereunder came into effect from August 12, 2008. In terms of Section 4 of the PSS Act, no person other than the Reserve Bank of India (RBI) can commence or operate a payment system in India unless authorized by RBI. Reserve Bank has since authorized payment system operators of prepaid payment instruments, card schemes, cross-border in-bound money transfers, Automated Teller Machine (ATM) networks and centralized clearing arrangements. The payment system initiatives taken by the Reserve Bank of India have resulted in deeper acceptance and penetration of non-cash payment modes. Cheques,
The research revolves around the buzz word " Fintech " (financial technology). The term Fintech i... more The research revolves around the buzz word " Fintech " (financial technology). The term Fintech is not new to the world but now it has gained greater weightage in financial system for becoming cashless and branchless in need of being cost effective. The major intention of research involves studying recent developments in Fintech, role of technology in micro finance delivery model, vital distribution technologies for financial inclusion and challenges arouse due to technology. The present research paper is conceptualized and is based on secondary data collected from various resources like books, journals, newspapers, blogs and various websites. Fintech has extensive application in inclusive financial goal accomplishment. The shifting trend in financial system is quite evident. Conventional banking technologies, when applied innovatively, have played a significant role in reducing costs and increasing outreach and penetration of the microfinance model. Management Information Systems (MIS), Point of Sale technologies (POS), Automatic Teller Machines (ATMs), Interactive Voice Response (IVR) systems and smart cards are among the major technologies that have entered microfinance over the years from the formal financial sector. Transformation from brick and mortar driven financial institutions to mobile/e-banking is apparently beneficial in increasing outreach. Besides, vast implication of Fintech in financial inclusion there exist restrains too. Though the challenges are tough but it needs to be addressed along with the changing trend at the same pace. The conclusion is theorized and constructed on secondary data; it could have been more valid if based on primary data. It contributes in adding understanding of public and policy makers towards role of technology in providing inclusion directed financial services. The study also reveals the effectiveness of Fintech in financial inclusion programs. INTRODUCTION Financial Technology (fintech) refers to the use of software and digital platforms to deliver financial services to consumers. These digital tools often disrupt established business models by creating new and efficient means of providing services.In the context of financial inclusion, fintech holds boundless potential. As new tools and technologies are developed, and old business models are challenged, financial services can be provided with greater speed, accountability, and efficiency.Access to financial products and services is becoming more attainable than ever, especially for consumers that live in rural locations or regions without the structures of a modern economy. Not only can fintech make these products and services more accessible, it can also make them more affordable by lowering the cost of doing business for the financial institution, a savings which can be passed on to the consumer. Club this with the near abundant availability of affordable mobile phones and cellular networks, and a world where no one is excluded from the financial system may not be that far out of reach.(ACCION) In 2016, India was ranked 3rd among 55 countries across the world in having the most enabling environment for financial inclusion. Since 2009, the public and private sector have worked together to set up an ecosystem that enables the delivery ofdigital financial services to low income households across urban and rural areas. By using mobile phones, innovative digitalfinancial services have been launched in more than 80 countries (GSMA 2014) to address the issues of exclusion. " Digital financialinclusion " can be defined as digital access to and use of formal financial services by excluded and underserved populations. Suchservices should be
The research dedicate sits concentration on the emerging business needs and consequently, new cat... more The research dedicate sits concentration on the emerging business needs and consequently, new categories of work force. Constructed on conclusions from varied surveys, researches and reports it looks at issues and emerging trend in employees’ global mobility and the associated risk for individual employee and the organization. A variety of factors, notably the ever-changing business need in host location, skills gap in the host location, talent and knowledge transfer, individual employee’s issues and legal compliance issues have bearing on strategic thinking and actions when it comes to workforce mobility decisions. The study aims to condense the recent trends, issues, drivers and challenges in employee mobility for anenhanced understanding of workforce mobility as a chance for employees’ growth and development or a challenge to their survival. Keywords:- Global mobility, relocation management, international assignment, virtual mobility, millennial.
Islamic banking seems to be an unfamiliar concept in Indian economy. Besides having a huge potent... more Islamic banking seems to be an unfamiliar concept in Indian economy. Besides having a huge potential, Islamic finance is considered to be infeasible and impractical in Indian conventional system of banking. The search for alternatives to conventional banking in the aftermath of the global financial crisis trained the spotlights on Islamic banking in many parts of the world. Today that Islamic banking has unfortunately been misunderstood in India as a religious charitable venture restricted to the country’s Muslim community. Despite its striking growth in other parts of world such as the Middle East, South East Asia (which chiefly include Malaysia and Indonesia) and Europe, it is yet to be positioned as a realistic alternative financial system and not a religious one. In this paper, an attempt is made to understand the underlying concept of Islamic banking and finance and erode some of the major misconceptions in the same context.
Adhyayan: A Journal of Management Sciences, Jun 18, 2016
For achieving excellence it is important for organizations to value their people. Valuing, the pe... more For achieving excellence it is important for organizations to value their people. Valuing, the people in workforce means pledging to their development, engagement, satisfaction, and well-being. It is necessary for organizations to link the corporate strategy with HR strategy for living their core values. Implementing best HR practices incorporates offering more flexible, high-performance work practices that are compatible with diverse workforce and their personal needs. Organizations can excel with talented and skilled workforce and by creating a good relationship with them. The purpose of the paper is to provide an understanding to the managers for developing such HR practices that can be helpful in sustainable development. Secondary objective is to analyze organization’s success by creating value for people in the organization. Effective management of people in the organization is utmost important for achieving excellence. By implementing best practices in managing men the organizations can achieve sustainable excellence. The research is theorized and based on secondary data; it could have been more valid if based on primary data. This paper focuses on the value of workforce in the organization. It can help managers and other professionals for implementing such HR practices which can help organization in achieving business excellence. The paper includes practical examples of organizations following different HR strategies and also includes literature review about business excellence models and practices, which can contribute in HRM research.
International Journal of Management, Innovation & Entrepreneurial Research, 2015
Islamic banking seems to be an unfamiliar concept in Indian economy. Besides having a huge potent... more Islamic banking seems to be an unfamiliar concept in Indian economy. Besides having a huge potential, Islamic finance is considered to be infeasible and impractical in Indian conventional system of banking. The search for alternatives to conventional banking in the aftermath of the global financial crisis trained the spotlights on Islamic banking in many parts of the world. Today that Islamic banking has unfortunately been misunderstood in India as a religious charitable venture restricted to the country’s Muslim community. Despite its striking growth in other parts of world such as the Middle East, South East Asia (which chiefly include Malaysia and Indonesia) and Europe, it is yet to be positioned as a realistic alternative financial system and not a religious one. In this paper, an attempt is made to understand the underlying concept of Islamic banking and finance and erode some of the major misconceptions in the same context.
This paper intends to understand the various facilities provided by the Reserve Bank to expedite ... more This paper intends to understand the various facilities provided by the Reserve Bank to expedite payment and settlement issues. Domineering to the greater adoption of electronic payments are speed, efficiency and security, as also creating trust and safety of operations in the minds of the users. In line with its vision of boosting electronic payments and settlement in the country and achieving a cash-less society, the Reserve Bank continued its accomplishments in making the payment systems safer and more secure, gearing its policies towards addressing risks, if any, in the payment systems. Several initiatives for infrastructure enhancement during the year included introduction of white label ATMs, card less cash withdrawal facility for unbanked persons, introduction of next generation RTGS and enhancing the capacity of the NEFT system for larger volumes and efficiency. The trend of greater reception of electronic payments over paper cheques by the general public received further bo...
For achieving excellence it is important for organizations to value their people. Valuing, the pe... more For achieving excellence it is important for organizations to value their people. Valuing, the people in workforce means pledging to their development, engagement, satisfaction, and well-being. It is necessary for organizations to link the corporate strategy with HR strategy for living their core values. Implementing best HR practices incorporates offering more flexible, high-performance work practices that are compatible with diverse workforce and their personal needs. Organizations can excel with talented and skilled workforce and by creating a good relationship with them. The purpose of the paper is to provide an understanding to the managers for developing such HR practices that can be helpful in sustainable development. Secondary objective is to analyze organization’s success by creating value for people in the organization. Effective management of people in the organization is utmost important for achieving excellence. By implementing best practices in managing men the organiz...
Islamic banking seems to be an unfamiliar concept in Indian economy. Besides having a huge potent... more Islamic banking seems to be an unfamiliar concept in Indian economy. Besides having a huge potential, Islamic finance is considered to be infeasible and impractical in Indian Conventional system of banking. The search for alternatives to conventional banking in the aftermath of the global financial crisis trained the spotlights on Islamic banking in many parts of the world. Today that Islamic banking has unfortunately been misunderstood in India as a religious charitable venture restricted to the country’s Muslim community. Despite its striking growth in other parts of world such as the Middle East, South East Asia (which chiefly include Malaysia and Indonesia) and Europe, it is yet to be positioned as a realistic alternative financial system and not a religious one. In this paper an attempt is made to understand the underlying concept of Islamic banking and finance and erode some of the major misconceptions in the same context. Keywords: Islamic Banking, Conventional Banking, Shari...
This paper intends to understand the various facilities provided by the Reserve Bank to expedite ... more This paper intends to understand the various facilities provided by the Reserve Bank to expedite payment and settlement issues. Domineering to the greater adoption of electronic payments are speed, efficiency and security, as also creating trust and safety of operations in the minds of the users. In line with its vision of boosting electronic payments and settlement in the country and achieving a cash-less society, the Reserve Bank continued its accomplishments in making the payment systems safer and more secure, gearing its policies towards addressing risks, if any, in the payment systems. Several initiatives for infrastructure enhancement during the year included introduction of white label ATMs, card less cash withdrawal facility for unbanked persons, introduction of next generation RTGS and enhancing the capacity of the NEFT system for larger volumes and efficiency. The trend of greater reception of electronic payments over paper cheques by the general public received further boost during the year. Introduction: Financial Market Infrastructures play a critical role in the financial system and the broader economy. These infrastructures facilitate the clearing and settlement of monetary and other financial transactions, such as payments, securities, and derivative contracts (including derivatives contracts for commodities). The central bank of any country is usually the driving force in the development of national payment systems. The Reserve Bank of India as the central bank of India has been playing this developmental role and has taken several initiatives for Safe, Secure, Sound, Efficient, Accessible and Authorized payment systems in the country. The Board for Regulation and Supervision of Payment and Settlement Systems (BPSS), a subcommittee of the Central Board of the Reserve Bank of India is the highest policy making body on payment systems in the country. The BPSS is empowered for authorizing, prescribing policies and setting standards for regulating and supervising all the payment and settlement systems in the country. The Department of Payment and Settlement Systems of the Reserve Bank of India serves as the Secretariat to the Board and executes its directions. In India, the payment and settlement systems are regulated by the Payment and Settlement Systems Act, 2007 (PSS Act) which was legislated in December 2007. The PSS Act as well as the Payment and Settlement System Regulations, 2008 framed thereunder came into effect from August 12, 2008. In terms of Section 4 of the PSS Act, no person other than the Reserve Bank of India (RBI) can commence or operate a payment system in India unless authorized by RBI. Reserve Bank has since authorized payment system operators of prepaid payment instruments, card schemes, cross-border in-bound money transfers, Automated Teller Machine (ATM) networks and centralized clearing arrangements. The payment system initiatives taken by the Reserve Bank of India have resulted in deeper acceptance and penetration of non-cash payment modes. Cheques,
The research revolves around the buzz word " Fintech " (financial technology). The term Fintech i... more The research revolves around the buzz word " Fintech " (financial technology). The term Fintech is not new to the world but now it has gained greater weightage in financial system for becoming cashless and branchless in need of being cost effective. The major intention of research involves studying recent developments in Fintech, role of technology in micro finance delivery model, vital distribution technologies for financial inclusion and challenges arouse due to technology. The present research paper is conceptualized and is based on secondary data collected from various resources like books, journals, newspapers, blogs and various websites. Fintech has extensive application in inclusive financial goal accomplishment. The shifting trend in financial system is quite evident. Conventional banking technologies, when applied innovatively, have played a significant role in reducing costs and increasing outreach and penetration of the microfinance model. Management Information Systems (MIS), Point of Sale technologies (POS), Automatic Teller Machines (ATMs), Interactive Voice Response (IVR) systems and smart cards are among the major technologies that have entered microfinance over the years from the formal financial sector. Transformation from brick and mortar driven financial institutions to mobile/e-banking is apparently beneficial in increasing outreach. Besides, vast implication of Fintech in financial inclusion there exist restrains too. Though the challenges are tough but it needs to be addressed along with the changing trend at the same pace. The conclusion is theorized and constructed on secondary data; it could have been more valid if based on primary data. It contributes in adding understanding of public and policy makers towards role of technology in providing inclusion directed financial services. The study also reveals the effectiveness of Fintech in financial inclusion programs. INTRODUCTION Financial Technology (fintech) refers to the use of software and digital platforms to deliver financial services to consumers. These digital tools often disrupt established business models by creating new and efficient means of providing services.In the context of financial inclusion, fintech holds boundless potential. As new tools and technologies are developed, and old business models are challenged, financial services can be provided with greater speed, accountability, and efficiency.Access to financial products and services is becoming more attainable than ever, especially for consumers that live in rural locations or regions without the structures of a modern economy. Not only can fintech make these products and services more accessible, it can also make them more affordable by lowering the cost of doing business for the financial institution, a savings which can be passed on to the consumer. Club this with the near abundant availability of affordable mobile phones and cellular networks, and a world where no one is excluded from the financial system may not be that far out of reach.(ACCION) In 2016, India was ranked 3rd among 55 countries across the world in having the most enabling environment for financial inclusion. Since 2009, the public and private sector have worked together to set up an ecosystem that enables the delivery ofdigital financial services to low income households across urban and rural areas. By using mobile phones, innovative digitalfinancial services have been launched in more than 80 countries (GSMA 2014) to address the issues of exclusion. " Digital financialinclusion " can be defined as digital access to and use of formal financial services by excluded and underserved populations. Suchservices should be
The research dedicate sits concentration on the emerging business needs and consequently, new cat... more The research dedicate sits concentration on the emerging business needs and consequently, new categories of work force. Constructed on conclusions from varied surveys, researches and reports it looks at issues and emerging trend in employees’ global mobility and the associated risk for individual employee and the organization. A variety of factors, notably the ever-changing business need in host location, skills gap in the host location, talent and knowledge transfer, individual employee’s issues and legal compliance issues have bearing on strategic thinking and actions when it comes to workforce mobility decisions. The study aims to condense the recent trends, issues, drivers and challenges in employee mobility for anenhanced understanding of workforce mobility as a chance for employees’ growth and development or a challenge to their survival. Keywords:- Global mobility, relocation management, international assignment, virtual mobility, millennial.
Islamic banking seems to be an unfamiliar concept in Indian economy. Besides having a huge potent... more Islamic banking seems to be an unfamiliar concept in Indian economy. Besides having a huge potential, Islamic finance is considered to be infeasible and impractical in Indian conventional system of banking. The search for alternatives to conventional banking in the aftermath of the global financial crisis trained the spotlights on Islamic banking in many parts of the world. Today that Islamic banking has unfortunately been misunderstood in India as a religious charitable venture restricted to the country’s Muslim community. Despite its striking growth in other parts of world such as the Middle East, South East Asia (which chiefly include Malaysia and Indonesia) and Europe, it is yet to be positioned as a realistic alternative financial system and not a religious one. In this paper, an attempt is made to understand the underlying concept of Islamic banking and finance and erode some of the major misconceptions in the same context.
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Papers by AISHA BADRUDDIN
force. Constructed on conclusions from varied surveys, researches and reports it looks at issues and emerging trend
in employees’ global mobility and the associated risk for individual employee and the organization. A variety of
factors, notably the ever-changing business need in host location, skills gap in the host location, talent and
knowledge transfer, individual employee’s issues and legal compliance issues have bearing on strategic thinking and
actions when it comes to workforce mobility decisions. The study aims to condense the recent trends, issues, drivers
and challenges in employee mobility for anenhanced understanding of workforce mobility as a chance for
employees’ growth and development or a challenge to their survival.
Keywords:- Global mobility, relocation management, international assignment, virtual mobility, millennial.
to be infeasible and impractical in Indian conventional system of banking. The search for alternatives to conventional banking
in the aftermath of the global financial crisis trained the spotlights on Islamic banking in many parts of the world. Today that
Islamic banking has unfortunately been misunderstood in India as a religious charitable venture restricted to the country’s Muslim
community. Despite its striking growth in other parts of world such as the Middle East, South East Asia (which chiefly include
Malaysia and Indonesia) and Europe, it is yet to be positioned as a realistic alternative financial system and not a religious one. In
this paper, an attempt is made to understand the underlying concept of Islamic banking and finance and erode some of the major
misconceptions in the same context.
force. Constructed on conclusions from varied surveys, researches and reports it looks at issues and emerging trend
in employees’ global mobility and the associated risk for individual employee and the organization. A variety of
factors, notably the ever-changing business need in host location, skills gap in the host location, talent and
knowledge transfer, individual employee’s issues and legal compliance issues have bearing on strategic thinking and
actions when it comes to workforce mobility decisions. The study aims to condense the recent trends, issues, drivers
and challenges in employee mobility for anenhanced understanding of workforce mobility as a chance for
employees’ growth and development or a challenge to their survival.
Keywords:- Global mobility, relocation management, international assignment, virtual mobility, millennial.
to be infeasible and impractical in Indian conventional system of banking. The search for alternatives to conventional banking
in the aftermath of the global financial crisis trained the spotlights on Islamic banking in many parts of the world. Today that
Islamic banking has unfortunately been misunderstood in India as a religious charitable venture restricted to the country’s Muslim
community. Despite its striking growth in other parts of world such as the Middle East, South East Asia (which chiefly include
Malaysia and Indonesia) and Europe, it is yet to be positioned as a realistic alternative financial system and not a religious one. In
this paper, an attempt is made to understand the underlying concept of Islamic banking and finance and erode some of the major
misconceptions in the same context.