Finance Articles

Finance articles section focuses on various concepts of finance like budget, stock market and economics of various products & services. Apart from these articles on global financial institutions, different banking systems and topics of international importance in the field of finance are present.

Black Money: A Parallel Economy January 07, 2011

Money- the most important element in the life of every individual. From a top businessman to a worker, from a sports athlete to a politician, from a burglar to a policeman, all people have value for money. Ever since money has been introduced as the medium of trade, the priority and objectives in people’s lives has been bounded by earning money for food, shelter, health, luxury etc. Every organization and every individual contribute towards the economy of a country. A country where the workforce gives taxes gives the country a chance to prosper, develop and grow. But there is a dark brutal force which hurts and hinders the progress and development of a nation- Black Money.


Microfinance, Financial Inclusion and Inclusive Growth January 03, 2011

Microfinance refers to a broad range of financial services, primarily credit, made available to people who don’t have access to formal banking services. Normally, these services would be required in areas with small population and ‘ticket-size’ entailed would also be relatively smaller (factors making banks’ presence unviable). Therefore, Micro-financial institutions (MFIs) facilitate the reach of financial services at a more ‘micro’ level.


Political Vegetables: Onion Price Rise Tears December 24, 2010

In India over the past few months there have been instances of  an abnormal increase in the price of certain vegetables such as onions, tomatoes, lentils, garlic etc. Since these vegetables form a part of daily diet of millions of people, it has become an issue of national importance.  Owing to these reasons these vegetables can be termed as “political vegetables”  as over the years it has been witnessed that a few governments had to make way due to its inept handling of these crisis.


The Value of Money December 19, 2010

Man has always been fascinated by luxury. Every person prefers to have a mansion, cars, quality dining. The greed and needs of any human being has no upper limits. But do people, rich or poor, have the same value for money? Does money lead to people having similar ambitions and aspirations?


Money and luxury always go beyond economics. Money can be explained technically in terms of value of products and services. But actually the real value of money is more than just purchasing power parity and per capita, rich and poor.


Hedge Funds Demystified November 06, 2010

Hedge Funds represent a broad category of investments within the alternative investments asset class.  It is an investment vehicle which pools money from different investors and seek absolute returns uncorrelated to the financial markets through a broad variety of skill-based or speculative strategies.  They seek a positive annual return (the higher the better), limited swings in value, and, above all else, capital preservation. They do so by using the best of what modern financial science can provide—rapid price discovery; massive mathematical and statistical processing; risk measurement and control techniques; and leverage and active trading in corporate equities, bonds, foreign exchange, futures, options, swaps, forwards, and other derivatives.


Indian Banking System October 30, 2010

The Indian banking system is significantly different from those prevalent in other countries due to its unique geographic, social and economic characteristics. India has a large population, different cultures in different parts of the country and also disparities in income. Also in India the population spread among rural and urban areas is also skewed in the favour of urban areas. All these features reflect in the size and structure of the Indian banking system. Further in order to fulfil the needs to the government policy it has been subjected to various nationalization schemes at different times. RBI credit policies form the guidelines for banks in India. Since they had to satisfy the domestic obligations, the banks have so far been confined within the Indian borders.


Role of National Housing Bank in Housing Finance Business October 30, 2010

The National Housing Bank (NHB) is an apex level financial institution catering to the housing sector in the country. It was established on July 9, 1988. It works as a facilitator in promoting housing finance institutions or providing assistance to other institutions of such type. It is headquartered in Delhi and has offices in all the major cities of India. NHB has 9 departments which are NHB Residex Cell, Regulation and Supervision, Refinancing operations, Direct finance operations, Enabling processes, Information Technology, Resource mobilization and management, Development and risk management, Board and CMD secretariat.