Management And Finance Bulletin <p>Management And Finance Bulletin is published by Apricus Journals, an imprint of Apricus E-Learning Solutions Pvt. Ltd. It is a tri-annual, peer-reviewed, open-access Journal published in English. Published three times a year, the Management And Finance Bulletin brings out Book Reviews, Research Papers, Review Papers, Case Studies, Thesis, Perspectives or Commentary Articles, Corporate Case Studies, Conference Papers and Short Communications by scholars, academicians and professionals. The focus and scope of the Journal corresponds to all topics related to Management and Finance.</p> <p> </p> <p style="font-weight: 400;"> </p> Apricus Journals, a division of Apricus E-Learning Solutions Pvt. Ltd. en-US Management And Finance Bulletin Performance of the Indian Banking Sector During Financial Crisis <p><em>In India's financial system, banks are essential to its operation. By utilizing more than two-thirds of family savings, they offer more than 90% of the commercial loans in the nation. In addition to taking deposits and extending credit, banks also carry out a variety of additional tasks, including financial inclusion, agriculture, renewable energy, the issuance of bonds, foreign currency facilitation, priority sector lending to MSMEs, and numerous other tasks. Any deviation from the appropriate operation of banks, which play a crucial role in managing the financial system of an economy, results in an economic crisis. India was not an exception when it came to how the economic crisis affected economies and finances worldwide. It was a significant issue for the developed economies. The problem of the financial crisis originated in large-scale defaults in the U.S. Sub-prime mortgage market and associated market in August 2007, which badly affected the financial sector in the U.S. and then Europe which lasts an impact on the banking sector across the world, including India. The financial crisis of 2008 had an impact on the banking industry since it cost banks money due to mortgage defaults, stopped interbank lending, and dried up the consumer and commercial credit. In the present paper, the performance of the Indian banking sector has been evaluated with variables viz., liabilities to the banking system, borrowings, aggregate deposits, etc. The performance has been examined in pre-crisis, crisis, and post-crisis periods. T-test has been used for the purpose of analysis. Although various challenges were faced during the research, including a tough time gathering data, a lack of data, and a paucity of awareness as to how banks operate in their early stages. However, this work is intended to be useful to researchers and scholars because it discusses the effects of the financial crisis using data from a few chosen Indian banks to assess how well they fared during the crisis.</em></p> Mr. Gulshan Kumar Mr. Manish Kumar Dubey Copyright (c) 2022 Management And Finance Bulletin 2023-02-18 2023-02-18 1 1 43 54 A Study of Challenges Faced by Startups in India <p><em>The aim of this research paper is to discuss the study of various ‘grand challenges’ which are faced by startups in India</em><em>. </em><em>This research paper is based on the literature review wherein secondary data is collected from various sources such as websites, newspapers, journals, and different publications. The paper aims to consolidate all the details in one place so if any researcher wants to study grand challenges being faced by startups India will have all the relevant details available in one place instead of searching other sources.</em></p> Dr. Bireshwar Pandey Copyright (c) 2022 Management And Finance Bulletin 2023-02-18 2023-02-18 1 1 32 42 Prevalence of Fraud in the Health Insurance Sector: An Overview <p><em>The menace of fraud is rampant across all sectors of the industry, prevalent globally at every level. The firms end up incurring huge costs in fraud detection and prevention. The service industry, like that of the insurance industry, gives financial protection for the risks covered; the greed for monetary benefits in the form of fraudulent claims or earning higher brokerage for the intermediaries is an incentive for making easy money and thus committing fraud.</em></p> <p><em>The Insurance Regulatory &amp; Development Authority of India (IRDAI), defines the term ‘fraud’, as “an act of or omission intended to gain dishonest or unlawful advantage”. Insurance fraud creates a problem not only for honest policyholders but also for insurance companies. Insurance companies suffer a loss of 0% to 15% of their business revenue according to one study. The fraudulent health insurance claims have risen to 35% for some insurers as stated by another study. Frauds can be committed by executives within the company, intermediaries, or policyholders. According to the fraud triangle, there are three components that contribute to triggering the risk of fraud: (1) rationalization, (2) incentive, and</em> <em>(3) opportunity.</em></p> <p><em>This article aims to study the various kinds of fraud prevalent in the health insurance sector and the ways to mitigate the same. The paper also delves into the impact of fraud on the profitability of the insurers; the higher insurance premium for policyholders and the lack of trust generated between the insured and the insurer due to frauds committed by few. The framework given by the regulator, for monitoring insurance fraud has also been discussed.</em></p> Mr. Raichel Suseel Ms. Nimisha Rastogi Copyright (c) 2022 Management And Finance Bulletin 2022-10-12 2022-10-12 1 1 17 31 Online Communication System During Corona Crisis: A Case Study on Individual’s Communication Confidence level <p><em>Educational institutions, such as schools, colleges &amp; universities have been totally dependent on the traditional methods of learning i.e, chalk &amp; board methods and face-to-face communication within a classroom. The sudden outbreak of Covid -19 pandemic has brought a transformation in classroom teaching. This situation created a challenge for the education system in India where the government, teachers, and students strived hard to fulfill their requirements. Many academic institutions brought a sudden change or made a paradigm shift in their pedagogical approach, i.e. from traditional learning to online teaching &amp; learning. There were many positive changes that happened during this pandemic, the students and teachers tried to equip themselves with ICT-based learning and teaching mode. The students who were having a fear of public speaking gained the confidence to express their views and started raising questions. The initial hesitation has now changed to confidence while communicating through online mode. This paper tries to study the importance of online learning and analyze the confidence level of learners or speakers during online communication. This research is descriptive in nature. The data has been collected from students and academicians from various institutes through e-snowball sampling techniques (Google forms). </em></p> Dr. Sapna Sugandha Mr. Chandan Veer Copyright (c) 2022 Management And Finance Bulletin 2022-09-05 2022-09-05 1 1 1 16