NOLEGEIN- Journal of Business Risk Management
https://mbajournals.in/index.php/JoDBCM
<p><strong>NOLEGEIN- Journal of Business Risk Management </strong>is a peer reviewed journal and provides a platform to discuss new issues in the area of Disaster relief and recovery. The journal also seeks to advance the quality of research by publishing papers introducing or elaborating on Enterprise risk management and policy & Governance, risk, regulatory compliance. It's a biannual journal, started in 2018.</p>MBA Journals (Consortium eLearning Network Pvt Ltd)en-USNOLEGEIN- Journal of Business Risk Management2582-287X A Study on Evaluation of Mutual Funds and Stock Investments: A Comparative Analysis
https://mbajournals.in/index.php/JoDBCM/article/view/1747
<p style="text-align: justify; line-height: 150%; margin: 5.0pt .3in 5.0pt .3in;"><em>Investment plays a vital role in achieving long-term financial security and wealth creation. It enables individuals to grow their savings, beat inflation, and meet future financial goals through disciplined planning and informed choices. This study explores the comparative merits and limitations of mutual funds and direct stock investments, two widely used investment avenues among retail investors. With the increasing participation of young and digitally empowered investors, the research focuses on 130 students possessing beginner to intermediate-level knowledge of financial markets. The study aims to identify which investment option aligns better with different investor profiles, based on risk tolerance, financial goals, and market understanding. Using a descriptive research design and primary data collection through surveys, the study investigates key dimensions such as risk and return perceptions, investor control, investment costs, liquidity, time commitment, and market knowledge. The findings reveal that mutual funds are generally favored for their lower risk, diversification benefits, and professional management attributes that appeal to conservative and less-experienced investors. In contrast, direct stock investments are preferred by those seeking higher returns and greater control, albeit at the cost of increased risk and the need for active management. The study offers practical insights for retail investors, financial advisors, and policymakers, emphasizing the need for informed decision-making and financial education to navigate the complexities of modern investing</em>.</p>Shikha DuaSaksham Gupta
Copyright (c) 2025 NOLEGEIN- Journal of Business Risk Management
2025-09-182025-09-1882A Study on Student Borrowing Behaviour Through Credit Apps in Chennai
https://mbajournals.in/index.php/JoDBCM/article/view/1634
<p><em>This research aims at studying the borrowing proportion of students through credit apps in Chennai with a focus on Slice and mPokket. While these apps do provide rapid financial support, doubts are raised regarding their implications towards an individual's financial stability and mental well-being. Factors influencing the dependency of the student have been highlighted in this research while the effect of borrowing on stress, anxiety, and decision-making about finances has also been touched on. It analyses whether these students go towards being financially responsible or fall in the vicious cycle of debt. This also studies the effect of credit apps on the credit rating and financial opportunities that exist thereafter. Also, using responses from surveys, it gathers insight into how the students view the borrowing among themselves. The results from the study are targeted towards developing programs on financial literacy to promote responsible credit usage. It will finally raise awareness of the financial risks and the adherence to sustainable borrowing practices. In addition, the study explores whether students develop responsible financial habits following their borrowing experiences or if they become ensnared in a recurring cycle of debt. It also evaluates how the use of credit apps impacts their credit ratings and the financial prospects available to them in the future. Through the analysis of responses gathered from well-structured surveys, the research captures insights into students' perceptions and their attitudes toward borrowing among peers. The broader aim of this research is to support the creation of financial literacy programs that encourage mindful credit usage and promote long-term, sustainable borrowing practices, while also highlighting potential financial risks involved.</em></p>Dheerthahiri SLavanya Veeran
Copyright (c) 2025 NOLEGEIN- Journal of Business Risk Management
2025-05-102025-05-108216Domestic Payment Frauds in India (2022–2025): A Quantitative Analysis of Trends, Risk Indicators, and Policy Implications
https://mbajournals.in/index.php/JoDBCM/article/view/1748
<p><em>The rapid rise of digital payment systems in India, especially the Unified Payments Interface (UPI), has changed how financial transactions are made by improving convenience, speed, and access for everyone. However, this increase in digital payments has also led to more cyber-related risks, particularly domestic payment fraud. This research aims to look at the patterns and implications of domestic payment fraud in India from September 2022 to March 2025, using secondary data from the Reserve Bank of India (RBI). The study depends on three main indicators: the total volume and value of digital transactions, how often fraudulent transactions occur (measured as one in every ‘X’ transactions being fraudulent), and the fraud transaction share (FTS), which is the value of frauds per 10,000 transactions. By using descriptive statistics and trend analysis, this paper investigates whether there is a link between rising digital payment volumes and increasing fraudulent activity. The findings show an interesting pattern. While the volume and value of digital payments have steadily gone up, the occurrence of fraud and the FTS have not increased at the same rate. In fact, they show cyclical variations and sometimes even a downward trend. This indicates that better fraud detection methods, awareness campaigns, and regulatory actions may be reducing risks even as usage grows. This research provides valuable insights for banks, fintech companies, and regulators to grasp the changing nature of fraud in India’s digital landscape. It also offers solid evidence to help build stronger security measures for UPI and other digital platforms. The paper concludes by stressing the need for proactive risk assessment, real-time fraud monitoring systems, and ongoing consumer education to ensure safe digital financial services in India.</em></p>Shalabh SaxenaAjeet Yadav
Copyright (c) 2025 NOLEGEIN- Journal of Business Risk Management
2025-09-182025-09-1882 A Comparative Analysis of Risk, Returns, and Investment Preferences
https://mbajournals.in/index.php/JoDBCM/article/view/1746
<p><em>This research examines how investors choose between different financial instruments by analysing their investment preferences, perceived risk, and expected returns. The study compares popular options such as equities, mutual funds, fixed deposits, gold, and real estate to determine how factors like age, income level, and financial knowledge influence decision-making. Primary data from surveys and secondary sources were used to identify behavioural trends across diverse investor groups. Results indicate that younger investors with higher risk tolerance are more inclined towards stocks and mutual funds, whereas older individuals prefer safer assets like fixed deposits and gold. The study also highlights how financial awareness significantly affects investment choices, with informed investors more likely to seek a balance between risk and return. These insights can assist financial planners and policymakers in developing strategies that align better with investor needs. </em><em>In addition, the study highlights the crucial influence of financial literacy on individuals' investment decisions. Investors with higher levels of financial understanding tend to make more strategic decisions, aiming to achieve a balanced approach between risk and return. Such individuals also demonstrate a clearer grasp of market fluctuations and recognize the value of maintaining a diversified investment portfolio. The findings carry meaningful implications for financial advisors, investment institutions, and policymakers. Gaining insight into investor behavior and preferences enables the design of customized financial products and services that better align with individual needs. Promoting financial education initiatives and incorporating financial knowledge into formal education systems can empower people to make well-informed investment choices, ultimately supporting broader economic resilience and development.</em></p>Stuti Pandey Meghna Jain
Copyright (c) 2025 NOLEGEIN- Journal of Business Risk Management
2025-09-182025-09-1882Difficulties in Financial Risk Management: A Review of AI Applications
https://mbajournals.in/index.php/JoDBCM/article/view/1749
<p><em>This paper analyses several uses of artificial intelligence (AI) techniques in financial risk management. Financial technology has significantly transformed company operations, requiring an adaptation within the financial industry. Financial risk management need reorganization owing to the reduced effectiveness of previously used solutions. The artificial intelligence methodologies shown their effectiveness and enabled swift, economical, and improved financial risk management in financial institutions and enterprises. This research seeks to clarify the use of AI methodologies in financial risk management and to provide possible directions for future implementation and advancement. The analysis included analysing various papers, books, and publications about AI applications in financial risk management. A thorough evaluation of relevant literature was conducted to determine the extent to which AI methodologies, especially machine learning, may be used in financial risk management. Artificial intelligence has significantly improved market risk and credit risk management via data preparation, risk modelling, stress testing, and model validation. Artificial intelligence techniques may be beneficial for guaranteeing data quality, enhancing data via text mining, and detecting fraud. Financial technology will persist in shaping the financial sector by requiring adaptation to new settings and business models. Therefore, it is expected that artificial intelligence will be included into the financial risk management system.</em></p>Manisha KalraRohit Markan
Copyright (c) 2025 NOLEGEIN- Journal of Business Risk Management
2025-09-182025-09-1882