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All Journal Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK)
Natarajamurthy P
Professor, Department of Economics, Bharathidasan University, Tiruchirappalli, Tamil Nadu
Economics, Econometrics & Finance

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Indian Economy in the Post-Reform Period: An Empirical Overview of Economic Performance and Inequality Vishnu.I.Raj; Natarajamurthy P; Anas K.T
Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) Vol 6 No 2 (2026): Edisi Mei 2026
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jamek.v6i2.3081

Abstract

The economic reforms of 1991 marked a paradigm shift in India’s economic policy, with the adoption of Liberalisation, Privatisation, and Globalisation-based policy. The economy has undergone substantial transformation since the reforms, with growth accelerating and making India one of the largest and fastest growing economies in the world. At the same time, serious concerns have arisen due to rising economic inequalities persisting and rising in the country in the post-reform period. This study addresses these concerns by examining the overall performance and the economic inequality of the Indian economy in the post-reform period. It provides an empirical analysis of economic development, as well as distributional equities, using descriptive and trend-based analyses of secondary data and relevant indicators to evaluate economic performance and economic inequalities. The study found that while India’s economic performance has improved according to conventional indicators in the post-reform period, income and wealth inequalities have markedly increased. The study highlights the need for sustained policy attention to the distributional aspects of India’s economic growth, recommending progressive taxation and legislative interventions for distributional equity.
The NPA Menace: A Study of Non-Performing Assets in India's Co-Operative Banks Abhijith Sankar; Natarajamurthy P
Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) Vol 6 No 2 (2026): Edisi Mei 2026
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jamek.v6i2.3120

Abstract

The prevalence of Non-performing Assets has been a persistent problem faced by the Indian banking sector in general and the Indian co-operative banking sector in particular. In this context, the present study undertakes a descriptive and trend-based empirical examination of NPA patterns among the various types of urban and rural co-operative banks in the country over the period of more than two and a half decades (1996-97 to 2022-23). This study conducted a descriptive, trend-based, and CAGR-based examination of the Gross Non-performing Assets of the various segments of India’s co-operative banking sector. The study finds a bifurcation in Gross NPA ratios across the co-operative sector during this period: Urban Co-operative banks and the short-term rural credit structure (StCBs and DCCBs) showed sustained improvement in asset quality, whereas the long-term rural cooperative credit structure (SCARDBs and PCARDBs) recorded deterioration. These findings imply that policy attention has been concentrated on the urban cooperative segment, while the long-term rural credit structure, despite a greater need for intervention, has received less sustained reform focus. A comprehensive strategy across the cooperative credit structure is imperative to ensure India's cooperative banking sector's long-term sustainability and credit access for underserved populations.
Performance of Pradhan Mantri Fasal Bima Yojana (PMFBY) in Tamil Nadu, India during the Rabi Season: A Time-Series Analysis Arun Venkatesh D; Natarajamurthy P
Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) Vol 6 No 3 (2026): Edisi September 2026
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jamek.v6i3.3164

Abstract

The Pradhan Mantri Fasal Bima Yojana (PMFBY) is an agricultural risk-management programme that seeks to protect farmers financially against crop losses. This study assesses the performance of PMFBY in Tamil Nadu during the Rabi season from 2018 to 2025 using state-level administrative data. It considers farmer participation, insurance coverage, premium contributions, claim settlement and the distribution of applicants across social and farmer categories. Participation rose considerably until 2022, when the number of applicants reached 61.42 lakh, before falling in the following years. Non-loanee applicants remained the largest participant group throughout the period and accounted for 92.40 per cent of applicants in 2025. The insured area rose from 1,374.52 thousand hectares in 2018 to 1,541.43 thousand hectares in 2022, its highest level during the period, while the sum insured was highest in 2021 at ₹9,98,426.80 lakh. Premium contributions also reached their highest level in 2022 at ₹2,96,624.23 lakh and then fell markedly in the following years. Claim settlement showed substantial variation, with the claim ratio standing at 30.03 per cent in 2018 and 27.60 per cent in 2020 before falling to 2.08 per cent in 2025. Applicants were concentrated mainly in the OBC and General categories, while small farmers formed the largest group among the farmer categories. A paired sample t-test gave a p-value of 0.105, showing no statistically significant difference between total premium collected and total claims paid during the study period. PMFBY maintained substantial insurance coverage in Tamil Nadu, although participation, premium mobilisation and claim settlement varied considerably from year to year during the Rabi season.
Co-Authors Abhijith Sankar Anas K.T Arun Venkatesh D Vishnu.I.Raj