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I develop and estimate a dynamic equilibrium model of risky entrepreneurs' borrowing and savings decisions incorporating both formal and local-informal credit markets. Households have access to an exogenous formal credit market and to an…
Small business owners (SBOs), specially women, face several challenges in everyday life, especially when asking for microcredit loans from financial institutions. Usual difficulties include low credit scores, unbaked situations, outstanding…
Despite agriculture being the primary source of livelihood for more than half of India's population, several socio-economic policies are implemented in the Indian agricultural sector without paying enough attention to the possible outcomes…
Blockchain is an emerging digital technology allowing ubiquitous financial transactions among distributed untrusted parties, without the need of intermediaries such as banks. This article examines the impact of blockchain technology in…
Central banks are actively exploring central bank digital currencies (CBDCs) by conducting research, proofs of concept and pilots. However, adoption of a CBDC can risk fragmenting both payments markets and retail deposits. In this paper, we…
Since 1986, Government of Botswana has been running an Agricultural Credit Guarantee Scheme for dry-land arable farming. The scheme purports to assist dry-land crop farmers who have taken loans with participating banks or lending…
Passenger rejection by taxi drivers impacts the travel behaviour in many cities and suburban areas, often leaving those potential customers in non-popular zones stranded without access to taxis. To overcome this problem, many practices have…
This research provides a critical analysis regarding the way blockchain is being implemented in the financial industry, highlighting its vital role in promoting green finance, guaranteeing compliance with regulations, improving supply chain…
To develop precision agriculture (PA) to its full potential and make agriculture progress toward sustainability and resilience, appropriate criteria for the economic assessment are recognised as being one of the most significant issues…
Despite accounting for 96.1% of all businesses in Malaysia, access to financing remains one of the most persistent challenges faced by Micro, Small, and Medium Enterprises (MSMEs). Newly established businesses are often excluded from formal…
In response to global warming and the dwindling reservoirs of fossil fuels, Thailand has increasingly embraced alternative energy sources. Central to its energy development strategy is the Alternative Energy Development Plan (AEDP), which…
Agriculture is a vital sector that significantly contributes to the economy and food security, particularly in regions like Varanasi, India. This paper explores various types of agriculture practiced in the area, including subsistence,…
This research attempts to explore the key research questions about what are the different microcredit programs in Haor area in Bangladesh? And do microcredit programs have a positive impact on livelihoods of the clients in terms of selected…
This is a short position paper drawing on experience working with the UK banking industry and their disabled and ageing customers in the Business Disability Forum, a UK non-profit member organisation funded by a large body of UK private and…
The research paper aims to analyze the underlying relationship in between the profitability and cost of funds of a firm. A total of twelve companies were selected as a sample for this study which are listed in Dhaka Stock Exchange under…
The extensive adoption of business analytics (BA) has brought financial gains and increased efficiencies. However, these advances have simultaneously drawn attention to rising legal and ethical challenges when BA inform decisions with…
This paper addresses the struggle of rural micro-entrepreneurs in the Global South in utilizing e-commerce to reach wider markets. This research paper looks at the adoption of e-commerce as a sustainable marketplace by the…
Administrative role-based access control (ARBAC) is the first comprehensive administrative model proposed for role-based access control (RBAC). ARBAC has several features for designing highly expressive policies, but current work has not…
Mapping agriculture in tropical areas through remote sensing presents unique challenges, including the lack of high-quality annotated data, the elevated costs of labeling, data variability, and regional generalisation. This paper advocates…
Mobile applications have been rapidly changing the way business organizations deliver their services to their customers and how customers can interact with their service providers in order to satisfy their needs. The use of mobile…