{"id":"https://openalex.org/W7225769913","doi":"https://doi.org/10.59091/2460-9196.2582","title":"Financial Inclusion and NPAs: Implications for Bank Profitability in India","display_name":"Financial Inclusion and NPAs: Implications for Bank Profitability in India","publication_year":2026,"publication_date":"2026-11-11","ids":{"openalex":"https://openalex.org/W7225769913","doi":"https://doi.org/10.59091/2460-9196.2582"},"language":"en","primary_location":{"id":"doi:10.59091/2460-9196.2582","doi":"https://doi.org/10.59091/2460-9196.2582","is_oa":true,"landing_page_url":"https://doi.org/10.59091/2460-9196.2582","pdf_url":null,"source":{"id":"https://openalex.org/S4210240883","display_name":"Bulletin of Monetary Economics and Banking","issn_l":"1410-8046","issn":["1410-8046","2460-9196"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["abdc-c","doaj","poland-20","russia-white-list-2"],"host_organization":"https://openalex.org/P4310315001","host_organization_name":"Bank Indonesia","host_organization_lineage":["https://openalex.org/P4310315001"],"host_organization_lineage_names":["Bank Indonesia"],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Bulletin of Monetary Economics and Banking","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://doi.org/10.59091/2460-9196.2582","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5117427314","display_name":"Jyoti Parjapati","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I178000100","display_name":"Kurukshetra University","ror":"https://ror.org/019bzvf55","country_code":"IN","type":"education","lineage":["https://openalex.org/I178000100"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Jyoti Parjapati","raw_affiliation_strings":["Kurukshetra University, Thanesar, Haryana, India"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Kurukshetra University, Thanesar, Haryana, India","institution_ids":["https://openalex.org/I178000100"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5161439684","display_name":"Latika Sharma","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I178000100","display_name":"Kurukshetra University","ror":"https://ror.org/019bzvf55","country_code":"IN","type":"education","lineage":["https://openalex.org/I178000100"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Latika Sharma","raw_affiliation_strings":["Kurukshetra University, Thanesar, Haryana, India"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Kurukshetra University, Thanesar, Haryana, India","institution_ids":["https://openalex.org/I178000100"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5026801075","display_name":"Jai Kishan Chandel","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I178000100","display_name":"Kurukshetra University","ror":"https://ror.org/019bzvf55","country_code":"IN","type":"education","lineage":["https://openalex.org/I178000100"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Dr. Jai Kishan Chandel","raw_affiliation_strings":["Kurukshetra University, Thanesar, Haryana, India"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Kurukshetra University, Thanesar, Haryana, India","institution_ids":["https://openalex.org/I178000100"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I178000100"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"29","issue":"3","first_page":"427","last_page":"454"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T14183","display_name":"Banking Sector Performance and Management","score":0.5522000193595886,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T14183","display_name":"Banking Sector Performance and Management","score":0.5522000193595886,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.3034999966621399,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.1370999962091446,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[],"concepts":[{"id":"https://openalex.org/C129361004","wikidata":"https://www.wikidata.org/wiki/Q2470236","display_name":"Profitability index","level":2,"score":0.7372000217437744},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6485999822616577},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.6381999850273132},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.59170001745224},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.5600000023841858},{"id":"https://openalex.org/C121426985","wikidata":"https://www.wikidata.org/wiki/Q591763","display_name":"Private sector","level":2,"score":0.5475000143051147},{"id":"https://openalex.org/C84505015","wikidata":"https://www.wikidata.org/wiki/Q209380","display_name":"Chinese financial system","level":3,"score":0.4706000089645386},{"id":"https://openalex.org/C147859227","wikidata":"https://www.wikidata.org/wiki/Q294217","display_name":"Public sector","level":2,"score":0.45660001039505005},{"id":"https://openalex.org/C76178495","wikidata":"https://www.wikidata.org/wiki/Q4808784","display_name":"Asset (computer security)","level":2,"score":0.4555000066757202},{"id":"https://openalex.org/C2779338949","wikidata":"https://www.wikidata.org/wiki/Q4808812","display_name":"Asset quality","level":4,"score":0.39800000190734863},{"id":"https://openalex.org/C6422946","wikidata":"https://www.wikidata.org/wiki/Q857354","display_name":"Panel data","level":2,"score":0.38530001044273376},{"id":"https://openalex.org/C2776517139","wikidata":"https://www.wikidata.org/wiki/Q873442","display_name":"Asset management","level":2,"score":0.36559998989105225},{"id":"https://openalex.org/C32896092","wikidata":"https://www.wikidata.org/wiki/Q189447","display_name":"Risk management","level":2,"score":0.35359999537467957},{"id":"https://openalex.org/C2777747085","wikidata":"https://www.wikidata.org/wiki/Q5449743","display_name":"Financial sector development","level":3,"score":0.3433000147342682},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.32010000944137573},{"id":"https://openalex.org/C3020225985","wikidata":"https://www.wikidata.org/wiki/Q2396633","display_name":"State owned","level":2,"score":0.3181000053882599},{"id":"https://openalex.org/C98014903","wikidata":"https://www.wikidata.org/wiki/Q832161","display_name":"Financial ratio","level":2,"score":0.29789999127388},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.2957000136375427},{"id":"https://openalex.org/C2986840890","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial sector","level":2,"score":0.2847000062465668},{"id":"https://openalex.org/C2778300220","wikidata":"https://www.wikidata.org/wiki/Q114380","display_name":"Financial crisis","level":2,"score":0.27959999442100525},{"id":"https://openalex.org/C109359841","wikidata":"https://www.wikidata.org/wiki/Q728944","display_name":"Inclusion (mineral)","level":2,"score":0.2793999910354614},{"id":"https://openalex.org/C2777381055","wikidata":"https://www.wikidata.org/wiki/Q308922","display_name":"Damages","level":2,"score":0.2784000039100647},{"id":"https://openalex.org/C2983734796","wikidata":"https://www.wikidata.org/wiki/Q848507","display_name":"Commercial bank","level":2,"score":0.2759000062942505},{"id":"https://openalex.org/C130731218","wikidata":"https://www.wikidata.org/wiki/Q1363554","display_name":"Financial analysis","level":2,"score":0.27559998631477356},{"id":"https://openalex.org/C2776922315","wikidata":"https://www.wikidata.org/wiki/Q4856009","display_name":"Bank failure","level":2,"score":0.26019999384880066},{"id":"https://openalex.org/C38070178","wikidata":"https://www.wikidata.org/wiki/Q1164340","display_name":"Bank rate","level":4,"score":0.2597000002861023},{"id":"https://openalex.org/C3963096","wikidata":"https://www.wikidata.org/wiki/Q7079583","display_name":"Official cash rate","level":5,"score":0.25949999690055847},{"id":"https://openalex.org/C76073288","wikidata":"https://www.wikidata.org/wiki/Q1337875","display_name":"Financial risk","level":2,"score":0.257999986410141}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.59091/2460-9196.2582","doi":"https://doi.org/10.59091/2460-9196.2582","is_oa":true,"landing_page_url":"https://doi.org/10.59091/2460-9196.2582","pdf_url":null,"source":{"id":"https://openalex.org/S4210240883","display_name":"Bulletin of Monetary Economics and Banking","issn_l":"1410-8046","issn":["1410-8046","2460-9196"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["abdc-c","doaj","poland-20","russia-white-list-2"],"host_organization":"https://openalex.org/P4310315001","host_organization_name":"Bank Indonesia","host_organization_lineage":["https://openalex.org/P4310315001"],"host_organization_lineage_names":["Bank Indonesia"],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Bulletin of Monetary Economics and Banking","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.59091/2460-9196.2582","doi":"https://doi.org/10.59091/2460-9196.2582","is_oa":true,"landing_page_url":"https://doi.org/10.59091/2460-9196.2582","pdf_url":null,"source":{"id":"https://openalex.org/S4210240883","display_name":"Bulletin of Monetary Economics and Banking","issn_l":"1410-8046","issn":["1410-8046","2460-9196"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["abdc-c","doaj","poland-20","russia-white-list-2"],"host_organization":"https://openalex.org/P4310315001","host_organization_name":"Bank Indonesia","host_organization_lineage":["https://openalex.org/P4310315001"],"host_organization_lineage_names":["Bank Indonesia"],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Bulletin of Monetary Economics and Banking","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":[],"abstract_inverted_index":{"Financial":[0,20,102],"inclusion,":[1],"NPAs,":[2],"and":[3,23,30,63,111,135],"bank":[4,32,37,44,61,100,109],"profitability":[5,62],"are":[6],"well-studied,":[7],"but":[8,84],"not":[9],"in":[10,95],"developing":[11],"nations.":[12],"In":[13],"2005":[14],"06":[15],"to":[16,92,98,108,140],"2022-23":[17],"panel":[18],"data,":[19],"Inclusion":[21],"(FI)":[22],"Non-Performing":[24],"Assets":[25],"(NPA)":[26],"affect":[27,65],"Indian":[28],"public":[29,121,132],"private":[31,82,137],"profitability.":[33,112],"Quantile":[34],"regression":[35],"examines":[36],"profitability\u2019s":[38],"impact.":[39],"Non-performing":[40],"asset":[41],"management":[42,119],"enhances":[43],"profitability,":[45,74],"highlighting":[46],"the":[47],"long-term":[48],"benefits":[49,81],"of":[50],"inclusion":[51,97,127],"schemes":[52],"with":[53],"effective":[54],"risk":[55],"management.":[56],"The":[57,88],"study":[58],"shows":[59],"that":[60],"type":[64,110],"these":[66],"three":[67],"factors.":[68],"Banks\u2019":[69],"large":[70],"client":[71],"bases":[72],"boost":[73],"while":[75],"administrative":[76],"costs":[77],"lower":[78],"it.":[79],"FI":[80],"banks":[83,134,139],"damages":[85],"state":[86],"banks.":[87,123],"essay":[89],"urges":[90],"authorities":[91],"include":[93],"NPA":[94,118],"financial":[96,126],"enhance":[99],"revenues.":[101],"institutions":[103],"must":[104,130],"tailor":[105],"their":[106],"strategies":[107],"Technology-based":[113],"lending":[114],"is":[115],"needed":[116],"for":[117],"by":[120],"sector":[122,133,138],"To":[124],"mitigate":[125],"losses,":[128],"policymakers":[129],"subsidise":[131],"encourage":[136],"become":[141],"inclusive.":[142]},"counts_by_year":[],"updated_date":"2026-11-12T12:28:57.059296","created_date":"2026-11-12T00:00:00"}
