Saibal Ghosh
Biographic Data
| ID | 3706771 |
|---|---|
| NAME | Saibal Ghosh |
| GIVEN NAMES | Saibal |
| FAMILY NAME | Ghosh |
| SIGNATURE | GHOSH S |
| AFFILIATIONS | Reserve Bank of India |
| ORCID | 0000-0002-8741-6951 |
| VERIFIED | Yes |
| TOTAL WORKS | 17 |
| TOTAL CITATIONS | 37 |
| AUTHOR COUNT | 17 |
| EDITOR COUNT | 0 |
| FIRST PUBLICATION YEAR | 2009 |
| LATEST PUBLICATION YEAR | 2026 |
| H-INDEX | 3 |
Integrated Remote Sensing Approach for Multi-Hazard Zonation in Rishiganga-Dhauliganga Valley, Uttarakhand, India
Multi-hazard studies in the Himalayas are crucial due to the region’s vulnerability to a range of natural hazards that often interact in complex and dynamic ways. These studies emphasize the need for integrated risk management, early warning systems, and adaptation strategies to cope with the combined impacts of these hazards. With the increasing impacts of climate change and rapid urbanization, these risks are expected to intensify, making ongoi…
Artificial Intelligence and Industry Productivity
Using industry-level data from 2001 to 2020, the paper examines the impact of artificial intelligence (AI) on industry productivity. The analysis reveals that the beneficial effect has been achieved in a more recent period, with potential non-linearities in the relationship. Additionally, the overall impact has, to an extent, been held back by a drag on labour, which would need to be addressed going forward.
(Wl-3291)-Pink tax in India: How compelling is the evidence
Using household-level data from 2015-2022, we provide second-order evidence regarding the existence of a pink tax in the Indian context. The magnitude of the tax differs across states and entails a premium of roughly 2-6 times for the fairer sex. In absolute terms, it translates into an additional payout for women-only households of nearly US $300 per year. Policy ideas of the findings are highlighted
Are asset quality weaknesses holding back bank lending? Evidence from Mena region
The role of asset quality in impacting bank lending has been examined in several studies. What has however not been examined is how asset quality interacts with monetary policy to influence bank lending or what is popularly referred to as the asset quality channel of monetary transmission. Employing data during 2011–2020, we examine whether there exists an asset quality channel of monetary transmission for MENA country-banks. The findings provide…
Gender and discouraged borrowers: Evidence from India
Using cross‐section data on small and medium enterprises (SMEs), the paper examines the importance of gender on discouraged borrowers in India. We distinguish the role of women across various capacities, such as owner, manager and owner‐manager. Controlling for potential endogeneity, the findings indicate that firms with women managers and those where women perform dual roles are more likely to be discouraged from borrowing. Furthermore, we show …
Does climate legislation matter for bank lending? Evidence from Mena countries
Political empowerment of women and financial inclusion: Is there a link
Employing survey data, the study investigates the impact of women political empowerment in India on their financial inclusion. The findings show that such political empowerment improves account activity by nearly 7%. In addition, increased convenience in using accounts raises account activity by another 0.5%. The analysis also identifies the channels through which such empowerment raises account activity. The analysis suggests the need for polici…
Gender and financial inclusion: Does technology make a difference
Using district-level survey data, the analysis assesses the impact of technology in fostering the financial inclusion of women in India. The findings show that women are 12% less likely to use a mobile phone while opening accounts and 9% less likely to actively use such accounts. Relatedly, account ownership and its use are less likely for women with mobile phones, especially in the post-PMJDY period. The evidence also reveals a differential impa…
Retracted Article: Financial inclusion, economic growth and mobile telephony in India: analysing the nexus
View retraction statement:Statement of Retraction: Financial inclusion, economic growth and mobile telephony in India: analysing the nexus
Are women really risk-averse? The lending behavior of women-owned banking cooperatives in India
Purpose The purpose of this paper is to examine the lending behavior of women-owned cooperatives (WoCs) by exploiting the natural experiment of the financial crisis, employing a novel data set of Indian cooperative banks during 2004–2013. Design/methodology/approach In view of the longitudinal nature of the data, the authors employ panel data techniques for the purposes of analysis. Findings The findings indicate that WoC banks increased lending …
Financial Inclusion Through Public Works Program: Does Gender-Based Violence Make a Difference
What Constrains Financial Inclusion for Women? Evidence from Indian Micro data
Estimating the demographic dividend: Evidence from Indian states
R&D in Public Enterprises: An Empirical Investigation for India
The paper examines the factors influencing R&D in manufacturing companies. On using data on a large sample of public companies in India for 1987–2005, the findings indicate that increases in firm size are likely to be associated with increase in R&D up to a threshold. In terms of magnitudes, increase in size by ‘10 million raises the amount of R&D, on average, increase by ‘0.3 million. The evidence is also supportive of the fact that both the int…
How Did State‐owned Banks Respond to Privatization? Evidence From the Indian Experiment
The paper examines the response of banks to privatization. Using data on all state‐owned banks for the period 1990–2006, the findings indicate that fully state‐owned banks are significantly less profitable than partially privatized ones. The improvements in performance by partially privatized banks are, in fact, sustained after privatization. In addition, the analysis indicates that privatization improves profitability, efficiency and improves ba…
Does Political Competition Matter for Economic Performance? Evidence from Sub-National Data
The study utilises data on major Indian states for the period 1980–2004 to explore the impact of political competition on state-level income and fiscal variables. The findings suggest that an increase in political competition leads to an increase in state per capita income and growth. In terms of magnitude, a proportionate increase in political competition, measured in terms of vote margin, raises per capita income by roughly 0.001. Focusing on f…
Charter value and risk-taking: Evidence from Indian banks
The article examines the determinants of banks' charter value and its disciplining effect on bank risk-taking since the mid-1990s. The analysis indicates that deposit and loan market concentration exert a significant effect on charter value, suggestive of a strong link between competition and charter value. Among the traditional banking activities, bank size and efficiency are found to be important determinants of charter value. The disciplining …
What Constrains Financial Inclusion for Women? Evidence from Indian Micro data
Does Political Competition Matter for Economic Performance? Evidence from Sub-National Data
The study utilises data on major Indian states for the period 1980–2004 to explore the impact of political competition on state-level income and fiscal variables. The findings suggest that an increase in political competition leads to an increase in state per capita income and growth. In terms of magnitude, a proportionate increase in political competition, measured in terms of vote margin, raises per capita income by roughly 0.001. Focusing on f…
Gender and financial inclusion: Does technology make a difference
Using district-level survey data, the analysis assesses the impact of technology in fostering the financial inclusion of women in India. The findings show that women are 12% less likely to use a mobile phone while opening accounts and 9% less likely to actively use such accounts. Relatedly, account ownership and its use are less likely for women with mobile phones, especially in the post-PMJDY period. The evidence also reveals a differential impa…
Financial Inclusion Through Public Works Program: Does Gender-Based Violence Make a Difference
Estimating the demographic dividend: Evidence from Indian states
How Did State‐owned Banks Respond to Privatization? Evidence From the Indian Experiment
The paper examines the response of banks to privatization. Using data on all state‐owned banks for the period 1990–2006, the findings indicate that fully state‐owned banks are significantly less profitable than partially privatized ones. The improvements in performance by partially privatized banks are, in fact, sustained after privatization. In addition, the analysis indicates that privatization improves profitability, efficiency and improves ba…
Charter value and risk-taking: Evidence from Indian banks
The article examines the determinants of banks' charter value and its disciplining effect on bank risk-taking since the mid-1990s. The analysis indicates that deposit and loan market concentration exert a significant effect on charter value, suggestive of a strong link between competition and charter value. Among the traditional banking activities, bank size and efficiency are found to be important determinants of charter value. The disciplining …
How Did State‐owned Banks Respond to Privatization? Evidence From the Indian Experiment
The paper examines the response of banks to privatization. Using data on all state‐owned banks for the period 1990–2006, the findings indicate that fully state‐owned banks are significantly less profitable than partially privatized ones. The improvements in performance by partially privatized banks are, in fact, sustained after privatization. In addition, the analysis indicates that privatization improves profitability, efficiency and improves ba…
Does Political Competition Matter for Economic Performance? Evidence from Sub-National Data
The study utilises data on major Indian states for the period 1980–2004 to explore the impact of political competition on state-level income and fiscal variables. The findings suggest that an increase in political competition leads to an increase in state per capita income and growth. In terms of magnitude, a proportionate increase in political competition, measured in terms of vote margin, raises per capita income by roughly 0.001. Focusing on f…
R&D in Public Enterprises: An Empirical Investigation for India
The paper examines the factors influencing R&D in manufacturing companies. On using data on a large sample of public companies in India for 1987–2005, the findings indicate that increases in firm size are likely to be associated with increase in R&D up to a threshold. In terms of magnitudes, increase in size by ‘10 million raises the amount of R&D, on average, increase by ‘0.3 million. The evidence is also supportive of the fact that both the int…
Estimating the demographic dividend: Evidence from Indian states
Financial Inclusion Through Public Works Program: Does Gender-Based Violence Make a Difference
What Constrains Financial Inclusion for Women? Evidence from Indian Micro data
Are women really risk-averse? The lending behavior of women-owned banking cooperatives in India
Purpose The purpose of this paper is to examine the lending behavior of women-owned cooperatives (WoCs) by exploiting the natural experiment of the financial crisis, employing a novel data set of Indian cooperative banks during 2004–2013. Design/methodology/approach In view of the longitudinal nature of the data, the authors employ panel data techniques for the purposes of analysis. Findings The findings indicate that WoC banks increased lending …
Retracted Article: Financial inclusion, economic growth and mobile telephony in India: analysing the nexus
View retraction statement:Statement of Retraction: Financial inclusion, economic growth and mobile telephony in India: analysing the nexus
Political empowerment of women and financial inclusion: Is there a link
Employing survey data, the study investigates the impact of women political empowerment in India on their financial inclusion. The findings show that such political empowerment improves account activity by nearly 7%. In addition, increased convenience in using accounts raises account activity by another 0.5%. The analysis also identifies the channels through which such empowerment raises account activity. The analysis suggests the need for polici…
Gender and financial inclusion: Does technology make a difference
Using district-level survey data, the analysis assesses the impact of technology in fostering the financial inclusion of women in India. The findings show that women are 12% less likely to use a mobile phone while opening accounts and 9% less likely to actively use such accounts. Relatedly, account ownership and its use are less likely for women with mobile phones, especially in the post-PMJDY period. The evidence also reveals a differential impa…
Gender and discouraged borrowers: Evidence from India
Using cross‐section data on small and medium enterprises (SMEs), the paper examines the importance of gender on discouraged borrowers in India. We distinguish the role of women across various capacities, such as owner, manager and owner‐manager. Controlling for potential endogeneity, the findings indicate that firms with women managers and those where women perform dual roles are more likely to be discouraged from borrowing. Furthermore, we show …
Does climate legislation matter for bank lending? Evidence from Mena countries
Are asset quality weaknesses holding back bank lending? Evidence from Mena region
The role of asset quality in impacting bank lending has been examined in several studies. What has however not been examined is how asset quality interacts with monetary policy to influence bank lending or what is popularly referred to as the asset quality channel of monetary transmission. Employing data during 2011–2020, we examine whether there exists an asset quality channel of monetary transmission for MENA country-banks. The findings provide…
(Wl-3291)-Pink tax in India: How compelling is the evidence
Using household-level data from 2015-2022, we provide second-order evidence regarding the existence of a pink tax in the Indian context. The magnitude of the tax differs across states and entails a premium of roughly 2-6 times for the fairer sex. In absolute terms, it translates into an additional payout for women-only households of nearly US $300 per year. Policy ideas of the findings are highlighted
Integrated Remote Sensing Approach for Multi-Hazard Zonation in Rishiganga-Dhauliganga Valley, Uttarakhand, India
Multi-hazard studies in the Himalayas are crucial due to the region’s vulnerability to a range of natural hazards that often interact in complex and dynamic ways. These studies emphasize the need for integrated risk management, early warning systems, and adaptation strategies to cope with the combined impacts of these hazards. With the increasing impacts of climate change and rapid urbanization, these risks are expected to intensify, making ongoi…
Artificial Intelligence and Industry Productivity
Using industry-level data from 2001 to 2020, the paper examines the impact of artificial intelligence (AI) on industry productivity. The analysis reveals that the beneficial effect has been achieved in a more recent period, with potential non-linearities in the relationship. Additionally, the overall impact has, to an extent, been held back by a drag on labour, which would need to be addressed going forward.
Economics (15 works) · Business (12 works) · Finance (8 works) · Microfinance and Financial Inclusion (7 works) · Monetary economics (7 works) · Political science (7 works) · Demographic economics (6 works) · Banking stability, regulation, efficiency (5 works) · Corporate Finance and Governance (5 works) · Financial inclusion (5 works)