Good day, Dr. J. Prabhakaran. I'm Arjun. I've had a look through your background and your professional record. I'm interested in hearing more about your work and how you see yourself fitting in here with our faculty. Ready to start?

Please start by introducing your professional journey in academia.

Hello, are you there?

Hi, hello. Uh, sorry, uh, there is a disconnectivity from my Internet.

Facility.

So are you done?

Yes.

So could I need to continue with my self intro? That is your professional profile again.

Yeah, Sure, sure, sure, sure.

Yes, Professor. Please go ahead and share your professional journey in academia.

So myself, uh.

Yeah, yeah. So myself, Doctor Jay Prabhakaran, I'm personally working as an associate professor from Academy of Research and Education for past three years. And I started my academic career in Sri Venkateswara Institute of Information Technology and Management. I work there for one year and then I continued my career with Sri Narayanagar Institute of Management Studies. I worked there for six years and then I did I continue my work experience. With Sri Krishna College of Engineering and Technology.

For three years. So totally have a academic and research experience of 13 years. So my academics that is your the curriculum learnings are educational qualifications. I started with my college with the undergraduate of BSc Computer Technology from PhD College of Technology. And then I continued my Masters business administration from SNS College of Technology with specialization in finance and human resource. And then I did my Master of Applied Psychology.

Research and education and then I continued my Doctor of Philosophy from Barbara University in part time mode and presently I'm pursuing my postdoctoral fellowship from Lincoln University of Malaysia.

Since more from Barbier University and then I did my Master of Philosophy from.

So this is my, uh, uh, profile and, uh, the areas which I've been working on. It is in the domain of finance and, uh, human resource and then I get into financial analytics also.

Yes.

Sorry.

Yeah.

I think I done with my self intro.

You have any other questions to be get asked?

Yup.

I'm from I'm from Coimbatore, native of Coimbatore and I did all my studies in the city of Coimbatore and my hometown is Coimbatore. And for the 10 years of experience that is your work experience, it's from Coimbatore and presently I've situated in the well known city called Srivillipathur.

It's in Bharatanagar district. The famous thing can say it is the our emblem of Tamil Nadu state.

So that is a place where I'm working registry.

Yes.

In financial analytics.

Yeah, sure.

Yeah, sure.

Please go ahead, Professor. Share your insights or examples related to your work in financial analytics.

So financial analytics started with my I can start from my postgraduate. That's the where I get interested towards choosing with your association of finance as my one of the area. And then I get into finance. I started with my teaching with accounting for management and then financial management and then get into the financial institution system. OK, so they'll be stating it as a merchant banking, financial services.

Theory of Fintech. So where I concentrated with what are the problems they have been identified with your banking that is Fintech the issues and then I started to analysis what are the problems that they have been actually the banking sector as well As for the common public they have been facing and for unless this purpose I've been good at in terms of your econometrics and financial modeling that is by using a view software. I can able to predict.

And presently I'm concentrating with.

To come with your outliers, OK, that is where the problem it is and developing some kind of your financial modeling.

So where they are that they're in good at. And recently I I come to state one more thing which I've been come across when I was doing my FTP program with the I am Ahmedabad. So there I've been undergone with the case study there is you can say it is your case research.

Thank you

It's a company called Kraken, OK. They have the problem with financial inclusion, that is your mobilizing of your funds. At the same time they have a problem with recovering of the funds which have been provided.

OK. So that I've been undergone with the as a team we have been undergone with that and we have been return a case, case study on that and we have been received the best case award from the EDA from Gujarat.

And yes, thank you. Thank you.

Yes.

Yeah, sure.

Can you elaborate on your experience and methods used in core financial management? Specifically, how have you applied core principles in your teaching or research?

My core financial area there is in terms of your where everyone would like to know about financial management. OK, So financial management in the financial management area. So I would like to have my area of specialization in terms of capital budgeting. So where we'll be having with your discounted method or your non discounted method. So in that my core area it's about getting into that area of. Specialization. So where I get into?

NPVIRR, your payback period or your profitability index. So where this is the area where we need to be very, very specific to suggest something for us, an investor. So at the time I, I personally feel that this particular domain of capital budgeting is the base and essential one for any individual to come across or to know towards it.

Yeah.

To be real life exam, real life examples.

Yes, Professor, real-life examples would be helpful. Please go ahead.

Yeah, definitely.

Because when I've been working with the Swimarana guru, so at the time we have been have the access with your capital budgeting. So at the time we'll be issuing with your the list of investment opportunities that is about we can say finance, we have a portfolios or the list of portfolios which are available. So out of that ensuring with for example, I'm asking an individual, for example, asking one of my colleague to invest with your funds, whatever I'm.

Having for it for the time I need to know. So what is your monthly income? And from the monthly income, what is how much amount that you can give for savings?

Thank

So out of the savings, So what how much amount that you can able to allocate in different portfolios. So for that how you need to evaluate it. So first I will be evaluating the starting with your payback period. So in this payback period method, so I can able to wait for certain years of time or a period of time and then I can able to continue when I can able to get the returns.

And the other way I used to suggest we used to go with the IRR. It's not about only because nowadays people are being not ready to or not willing to wait for certain years of time. They need to get the the return other to the maximum return. OK, relating with your risk and return as well. So I I suggest that IRR interest or internal rate of return. So this will be get calculated I'll be giving. A notation that what is your rate of return?

If you have been investing in ABC that is your Aditya Birla capital or if you have been investing in Infosys, So what is your return that you have been getting? So I'll be relating these two and what is your need because the important factor which you need to be considered with your investment avenues as your capital budgeting out of all the methods discounting and non discounting, we need to understand with your customer needs. So what does my friend need? So what is your, what is my colleague need? So based upon that need.

I need to suggest it. So my friend needs about again your age factor that is your demographic variable. We need to consider what is your age factor. Either the person is in the above 50 or 60 or it is between 20 and 30. So whether they are capable of taking risk or they are not capable, they need to have a moderate return, they need to have a risk aversion. So what is their expectation? So this is an example that I can able to quote for making a better understanding for the students because the real life examples OK even sometimes.

I'll be quoting myself how much I've been invested in mutual funds or how much I've been invested in other mode of your portfolios. So that will be making the students to understand even sometimes I used to give get the examples, make the students itself make class participants. There is your diversified class participants from them itself. I'll be collecting and making the examples. So this will make the students to participate when we'll be when we have been involved in the students to.

Act as an like a role play. OK, So at the time we'll be involving the students, so it will be having a better understanding.

For the time I'll be involved in some role plays also to make this one for for their better understanding.

Thank you.

Yeah, definitely. So in addition to that I need to state one more thing. I'm the in charge for that business laboratory. OK. So I've been recently there is not recently after joining with the Palace Lingam I'm taking care of with that B smart lab that is your business smart lab. It has been associated with partner with the NSE. So I'm taking care of with your as I told your econometrics and financial modeling, this is a laboratory course and then I've been involved with your.

Business analytics lab and then I've been involved with your analytics in terms of data visualization and Tableau. So these are the lab poses I'm handling on it. And then with your financial software laboratory, it is associated with the tally and I'm taking care with the the lab entire lab in charge as well. So I'm involving in the curriculum development or curriculum framing with the contents of laboratory course as well as with the part of the theory course because it's not about.

Let's now focus on your expertise in teaching theory and laboratory courses. Could you elaborate

Learning with the theory part and going and writing for the exam. For example, mostly most of the universities of institutions will be having a subject called SAP security analysis and portfolio management. So I need to know where the students are applying this kind of principles. That is your learnings with your concepts or theories where they have been utilizing it. The thing what we have been following in our laboratory, what I'm doing it with your business Smart be smart NSE Lab, so where they'll be giving with your digital currency.

It's not a real one. Uh, it's again a digital currency will be issuing it. And through the digital currency, students can able to go for, uh, trading with their own currencies. That is about, they can, able to practice it.

It's like a simulation.

So that's where I'm associated with the that particular activity in our university.

But this is my participation or involvement with your with my lab courses.

Thank you.

Let’s explore your approach to student evaluation and exam duties next. Could you elaborate on how you design evaluations and ensure fairness?

Ah, yes, thank you. Because evaluation nowadays it has been get changed or it has been evolved to the greater extent recently. There's the present, the past semester after coming from I am Ahmedabad, I've been changed with the assessment pattern. OK, it's like you can we'll be seeing it as your P2BL. OK, this is our project or problem based learning.

Getting balance sheet which I've been collected from the banks or from the source from IMA that I have been utilized for teaching with my trial balance. Completing with your trial balance from the balance sheet and making use of with your ratio analysis and then with your cash flow and fund flow statement. And then even for your cost statement that is your marginal costing. So this makes the students to be. Part and practically explore that what the scenario the currently the banking industries are facing it.

I've been collected the list of banks balance sheet.

At the same time, I've been made a presentation that before submitting with the report, I've been done with the the students. Are some supposed to come with the presentation? It's like a team.

Foreigner team will be having and all the four has to present about the bank how far it has been get evolved.

All the things they have to present it and later on they have to submit a, a report with all this respective documents that is about the analysis. What are the things that I've been taught in the class? So they're supposed to come out with a ratio analysis with the present scenario, what the banking sector are doing that is the present existing balance sheet. From the balance sheet, the students are supposed to prepare the ratio analysis and then with your cash flow statement and then with your marginal costing, that is your cost statement. So this makes the.

And what are the things they have been doing?

So that is the evaluation pattern apart from the regular activities. So I've been involved giving with your routine assignments, all those things. So I've been taken. This is the chance to make somewhat changes with your evaluation pattern.

To understand the real scenario.

Interesting, Professor. Let’s now discuss guiding student projects and research. Could you outline your experience in mentoring students on these fronts?

Yeah, regarding with the we used to have a set of rubrics has to be get followed for assessment with the project. So why because. Nowadays the systems are it has to be get properly get evaluated. So just like that the students has not, it's not to be give the grades like anything. So we used to give just like that we can't able to provide the grades. So we used to give the proper assessment pattern in terms of rubrics.

For guiding with the project at the same time we used to give the reference for doing the projects and sometimes even we are giving if the students are much more reliable, we are giving open projects also. So this will make the students to understand what the real time situations, what the markets are going on. So that will make the the projects and sometimes not, sometimes starting from.

My experience with Sri Krishna, so we used to publish the projects. So that is the greater advantage associated with the publication and that is also one of the reason why I have a very vast volume of publication. We used to motivate the students to convert the projects into a research paper.

Recently starting with the the past year we have been published 3 papers with the student project. So this will makes the students to know what is their level and what they can contribute for the society or to particular organization. So for example mostly from other region. So we have people having lots of the fireworks industry and the manufacturing of that is your textile industries are there. So at the time we used.

Motivate the students instead of searching for projects in Chennai or Bangalore so they used to visit the companies which have been near locally located.

So that's how we have been making an evaluations or assessment with the project. And finally we there is the best projects will be identifying and from the best projects will be converting into the research paper.

And that will makes the students to contribute to the particular organization.

And we'll be involved in the students and to publish their papers also.

Understood, Professor. Let’s evaluate your ability in clear communication and structured teaching approach. Could you describe how you ensure clarity and structure during your lectures?

In terms of, uh, the class schedule, that is your class lectures.

Yes, thank.

Yes, Professor. Specifically,

So basically I'm in terms of believing that activity oriented teaching. So that's the reason why I've been involved in project or problem based learning domain. So we used to give the activities whatever it has been associated first starting with.

Specifically. Definitely, definitely.

If I'm taking with your economics, OK, so I used to give with the conceptually how far it is and so I'll be giving an activity in terms of like bidding or auctions are there or matching with demand and supply.

OK. So at the time, so I used to give making currencies with your paper and through that I'll be matching with what is your demand and supply and making it as a classroom activity. So I'll be giving this as a part to Matt or to meet out with your demand or where you want to buy it and where you want to sell it and how you want to negotiate it. OK. So like that I can able to plan and schedule it depends upon the topic as well. So which subject that I'm handling and mostly.

The students can able to understand what are the new recent trends that have been associated with the subjects whichever I'm handling.

So that is the one of the key advantage or a key benefits via student I can able to gain from me.

Yes.

Let’s discuss your PhD specialization and research focus. Could you elaborate on your field of study and its contributions?

Yeah, sure. My PhD area it is in terms of finance, the whole area in terms of self help groups. So we are well known with the the microfinance. So for our father of microfinance it's Mohammed Yunus and has originated from Bangladesh.

So my keen interest is about starting from my schooling I used to hear about the term called Tamil they'll be stating so you devikulu OK that is your self help groups. So what is the problem how it has been originated and everyone's stating it has very good and people have been get benefited. OK so in that how people are suffering or how people are facing issues in terms of. Get borrowing the funds from the self help groups.

And how they are utilizing it that important thing, uh, that I've been observed, uh, they're lending the funds That's about, they are about the lend the fund from the self help groups, but they have failed to utilize the purpose what they have been actually stated.

For example, I've been stated that I'm going to open a small outlet in terms of like millets manufacturing K, and I'm trying to sell it, and people actually borrow borrow the fund and later on they will not be utilizing for the respective purpose what they've been actually stated. So that is the thing that I've been observed, and I've been started to make a study towards it. And what are the reasons why they have been deviating particularly why they are what makes either the demographic factors, which particular demographic factors?

And depends upon the number of family members and that makes involved and towards in depth towards the study of my area towards your self help groups. I can say that the functional and management problems of the common individual towards the self help group.

Thank you, Professor. Moving on, could you outline your experience with publishing research in reputed journals? Specifically, what has been the focus and impact of your publications?

OK, I've been published around 43 papers. Out of that 12 papers are indexed in Scopus and around 9 papers are almost in ABDC papers. So all the papers are good at in terms of the impact factor and in terms of ABDC. Also we have a reported journals only that have been published and this makes the to me one of the keen and ideal person.

And the organization?

Could you shed light on your experience working on industry projects or consultancy? Specifically, how have you applied your expertise in finance in collaboration with organizations?

Yeah.

Yeah, sure, sure, sure.

So I I've been recording with the industry and we can say it is your consultancy at the top. So I've recently I've been associated with the Krishna Fireworks. Krishna Fireworks it doesn't Sivakasi the owner of Mr. Uma. So I've been associated with the company. So we used to visit and understand with the financial literacy problem, OK. At the same time for the management perspective also we used to give suggestions in terms of how.

Able to monitor particularly they have been having a difficulty in terms of meeting out with their working Capital Management. Working Capital Management, they're having a bit difficulty to manage the funds. So that I've been sorted out for Krishna Fireworks and for the employees. For the employees also we have been given or we have been provided the proper financial literacy programs. So that makes the people to understand how to adopt with your fintech applications.

So this makes to me get associated with the organizations.

Or the industry.

Yes.

Professor, let us begin with your teaching environment. Can you share which finance courses or topics you find most engaging and rewarding to teach, particularly at the introductory level?

The introductory level, we have been started with the accounting for management because there is a base paper. I'll be starting with your journal Ledger and trial balance.

And then associated with your balance sheet. So the thing which we need to give with your the basic level, because I used to give exercises related with your the book of accounts because the biggest problem we'll be getting the students from engineering background, students from arts background in terms of exclusive excluding with your bacon. OK, So at the time we need to give some sort of.

A special attention towards the students who have been non associated or not coming from the accounting background even because why I'm stating it is about even I'm not from an accounting background when I was choosing with my finance as my specialization. So I will be giving some special attention starting from your accounting for management and starting with your journal letter and trial balance. So this this is the base where you can able to inculcate the interest for the students to.

A brief or.

Into the domain of finance and due to my teaching on the students have been involved in my classes on the more of the interest what I've been given to them. So the students have been chosen more sort of finance as their specialization. So presently if you have been taking around 210 students, so out of that we have two batches around 6260, two 124.

Have been opted for finance as they specialization.

So that is the interest that what I've been created.

Yes.

Understood, Professor. Your emphasis on accommodating diverse student backgrounds and fostering interest in finance through foundational accounting concepts is commendable. Accounting for management indeed provides a critical base for broader finance understanding. I appreciate the structured approach you described, as well as your ability to inspire specialization in finance among your students. Let us proceed.

Yes.

I see from your resume that you completed a Ph.D. at Bharathiar University and have conducted research projects such as "Financial Performance using Comparative Statement & Ratio Analysis" and "Web Cache and Perfecting using Randomized Algorithm." Let’s focus on the first project regarding financial performance analysis. Can you briefly describe the methodology and data sources you used for that research?

So that was a project which had been done during my postgraduate. So there's been associated with the Soldier electronics. It is about an electrical, electronical spat parts manufacturing organization. So where I've been done financial performance in terms of your ratio analysis and then comparative statement that I've been done with that.

So that I I given some suggestions in terms of how the liquidity ratios are there and how to improvise the liquidity. Because most of the funds have been getting dumped and they have been not able to meet out with the working capital. And due to the lack of working capital, the reason we can say it is about the liquidity ratio or the the current ratio, the level it is very low. So through giving the suggestions. If they've been properly utilizing it, they can able to overcome with the problems of.

Working capital.