Despite being a historical part of India, the pottery industry has lost its glory in the present times. The present study examines the major problems faced by pottery industry and its prospects in Rohtak and Jhajjar districts in Haryana. The responses of 81 artisans in the survey revealed that supply of raw material, paucity of working capital, lack of credit facilities, high production cost and the competition from the other industries are the major problems being faced by the majority of artisans in these two districts. However, most of the pottery artisans agrees to the fact that pottery industry helps in generation of income as well as is an eco-friendly and labour intensive industry. It has been suggested that adequate financial support of banks and financial institutions is essential for the artisans. Government and non-government organisations should provide training facilities in production and marketing to the artisans in the remote areas in Haryana. Different research and developmental activities be initiated by the government and non-government organisations in this direction which will create new dimensions in pottery industry. The exhibitions of pottery products should be arranged in different parts of the country which can contribute to the promotion of market and increasing the demand for such products everywhere. Export Promotion Bureau should develop policies for promoting the local pottery products abroad. The diversification of the pottery products is needed for the expansion of the market which includes decorative, terracotta, artistic, ceramics and other products which are demanded by the customers. The suitable and time-oriented action to the pottery industry can turn into gainful occupation to large number of people in Haryana.

Keywords:Pottery, Rural-Development, Self-Employment, Income-Generation, Haryana.

The objective of the paper is to empirically evaluate the technical efficiency of commercial banks operating in India applying DEA and SFA techniques and determinants of efficiency using Logit technique during the period 2005 to 2022. The study finds that except few banks the public sector banks are operated more efficiently over the period 2005-2022. The estimated results of DEA also reveal that the public and private sectors banks operated more efficiently than foreign sector banks in India during the period of study. It implies that the foreign sector banks operated relatively inefficiently when compared to public and private sectors banks in India. The results of Stochastic Frontier Cobb-Douglas production function indicate that parameters of the TD, TB and TFA are positive and have significant effect on the dependent variable in all types of bank ownership. The Logit results reveal that the coefficients of LR, ROA, and BS have expected signs and have significant effect on the TE of the commercial banks of bank ownership. The findings of the study will be helpful to the policymakers and bank owners to develop banking sectors operating in India.

Keywords: Indian Banking Sector DEA, Efficiency Measurement, Logit, SFA

JEL Classification:G21, C14, C21, H21, C33.

The main objective of this study was to evaluate the effect of petroleum profit tax on foreign direct investment in Nigeria. The design adopted for this study was ex-post-facto; data used for analysis were elicited from Central Bank Statistical Bulletin and Federal Inland Revenue Service Annual Reports. To achieve this objective, a model was formulated based on empirical and theoretical reviews. The model used foreign direct investment inflows in to Nigeria as the dependent variable, while Petroleum profit tax was used as the independent variable in the model. This study employed the Fully Modified Least Squares (FMOLS) Model to analyze data.The findings elicited from this study revealed that Petroleum profit tax with p-value of 0.0078 had negative and significant effect on foreign direct investment in Nigeria within the scope of this study. From the inferential result, the researcher concluded that taxation had negative and significant effect on foreign direct investment in Nigeria. From the foregoing, the researcher recommended that government and the appropriate
monetary authority review tax policy by reducing tax rates and giving out tax incentives and tax reliefs to companies operating within the downstream sector Nigeria in order to encourage them to continue investing in Nigeria.

Keywords: taxation, central bank of Nigeria, FMOLS, Foreign direct investment, petroleum profit tax

Unemployment represents the level of employment in which people have the desire and ability to work but cannot find jobs. Reduction of unemployment and achieving a high rate of economic growth are the most important priorities of developed and developing country economies. The variables used in this study are Agriculture, forestry, and fishing, value added (% of GDP), GDP per capita growth (annual %), General government final consumption expenditure (% of GDP, Gross fixed capital formation (% of GDP), Manufacturing, value added (% of GDP), Services, value added (% of GDP). This study tries to explore the impact of these variables on total youth unemployment of some selected G-20 nations. Using panel data regression model this study finds that the increase of manufacturing value added youth unemployment declines in the selected G 20 nations. Whereas service sector value added is not significantly affecting unemployment at 5% level similarly agriculture sector value addition is not a significant variable for changing the youth unemployment level. Hence the government of the G-20 nations should concentrate on manufacturing value added for reducing their youth unemployment.

Keywords: Sectoral contribution, social justice, panel data analysis, G-20 nations

Post global financial crisis (2008), a new subsystem in Indian banking system had developed in the form of Domestic Systemically Important Banks(DSIBs) as a whole since 2014 - A group of banks that are tagged Too Big To Fail and whose disorderly failure may cause failure of multiple banks- a kind of domino effect. Besides, the increasing number of Individual D-SIBs posing the problem of Too Many To Fail had also emerged in India. Therefore, in order to signify and highlight the role and importance of D-SIBs as a whole subsystem in entire Indian banking system and economy, the direct association between D-SIBs as a whole subsystem and Indian Economy had been investigated with the help of economic and financial data by tracing the economic implications of stress in asset quality of D-SIBs on the performance of Indian economy measured by GDP. For this, the study used autoregressive distributed lag model (0,1) based on the results of unit root test for period the spanning from 2000-01 to 2020-21 collected from secondary sources. In order to test the structural break, the study employed chow test. The results obtained from the ARDL approach (0,1) showed that stress in asset quality had negative effects on the performance of economy in the long run. This implied that D-SIBs as a whole subsystem displayed strong association with the Indian economy. This study made an appeal to the regulatory to pay special attention in this regard and suggested to treat differently not only individual domestic systemically important banks but also the problem of individual domestic systemically important banks in India. Unfortunately, individual domestic systemically important banks face differential treatment under Basel Norms III but not the problem of individual domestic systemically important banks in India.

Keywords: Economic Implications, Stress in Asset Quality, Domestic Systemically Important Bank, Gross Nonperforming Assets, ARDL.

JEL Classification: G20, G28, G33

Technological advancements within the BFSI Sector (Banking, Financial Services and Insurance) are strategically aimed at providing an elevated and more satisfying user experience for customers. This fundamental objective has played a pivotal role in the progress of financial technology (Fintech), a field that has been closely monitored and scrutinized globally. In the Indian scenario, there has been a notable acceleration in the evolution of digital finance, especially following the significant event of the 2016 demonetization of India’s banknotes. This transformative period has made rapid changes and an increased reliance on digital financial solutions. The examination of various subtechnologies within the Fintech landscape reveals their pivotal roles, suggesting a growth trajectory that is poised to outrun traditional financial models in the coming years. This study is an attempt to provide a thorough review of recent trends within the Indian economy, the financial services sector, and the profound impact and significance of Fintech. By exploring these facets, the study seeks to enhance our understanding of the ongoing shifts in the financial landscape and its role in shaping the future of financial services in India.

Keywords: Financial Technology (Fintech), Indian Economy, BFSI Sector, Digital Transformation, Demonetization

Every child deserves to reach her or his full potential but unfortunately in a developing and emerging country like India gender disparity is a pervasive issue. It is a matter of concern that even after 75 years of independence and the constitutional commitment by Govt. of India for providing “Education for All”, there exists a wide gender gap in education amidst the weaker sections of the society. In India due to the patriarchal nature of the society, girls are not given the equal educational opportunity which limits their potential as individuals and limits their access to economic opportunities and thereby creating obstacles in the pathway of attaining the Sustainable development goal - 4. Keeping this in view, the purpose of our study is to find out the gender disparity in education amongST households across age groups and to discuss the contemporary challenges associated with gender disparity in the study area. This study is based on primary data collected from Tenda village situated in Nilagiri block of Balasore district in Odisha. This village is purposively selected
because of very low literacy rate and high gender gap in literacy rate. Again 10 percent (160 Households) of the total population of this village is randomly selected as sample size for our study purpose. Findings reveal that, a 100 percent illiteracy is recorded among the people aged 60 and above followed by the age group 24-60 years which is 68 percent. The value of GPI is very low (0.14) in the age range of 24-60 years at upper primary level and there is a significant gender gap at higher levels of education amidst the ST households .This study concludes by addressing some policy measures which will help to foster sustainable, resilience and inclusive economic growth by improving the educational status of poor and marginalized women.

Keywords: Gender disparity, Education, Schedule Tribes, GPI, ST women

This study aims to address the relationship between lending procedures and lending norms of commercial banks and understand the individual & combined effect of lending procedures and lending norms on the lending performance of commercial banks for advances to Small and Micro Enterprises (SME). Through this paper, the identified gap is addressed with the help of the database retrieved from RBI annual reports, commercial bank annual reports, circulars, risk-rating framework, and related publications. The lending procedure and lending norms are the two fulcrums of qualitative and profitable lending. The qualitative lending procedure depends on strict uses of prudential lending norms of the central bank, internal factors of the commercial bank itself, external factors derived during the project appraisal process, and unobserved variables from third parties. Similarly, credit appraisal, credit risk and credit rating must be based on the strict benchmark of lending norms. If an assessment of the factor of lending procedures and/or lending norms is showing lower than the benchmark level; there may be a cent-percent probability of higher risk, lower safety, lower rating score, indefinite return, and maximum chances of NPA of loan. It is outlined that lending performance is influenced by the factors of lending procedures and lending norms and observed that there is no scope to compromise lending procedures and norms. There is a proportional relation between lending procedure and lending performance and lending norms and lending performance. In recent years, the credit volume, and credit growth rate of commercial to MSE has been increasing particularly after 2014-15 which indicates a sign of correction.

Keywords:Lending Procedure, Lending Performance, Credit flow to MSME, Prudential Credit Norms, Commercial Banks Credit to MSME.