Sl. No. Degree University % of Marks/Grade. 1 Ph.D. Commerce University of Kerala - 2 M.Phil.,, Grade A

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Curriculum Vitae Dr. Santhosh Kumar S. Professor (Finance) Year of Birth: 1969; Age 48 School of Management Studies Cochin University of Science and Technology Cochin, Kerala. India. PIN 682311 Mob. +91 9446041325; Email: drsan@cusat.ac.in Strengths Two decades of Post Graduate Teaching experience Ph.D. production Post Doctoral Fellowship Award of ICSSR Eighteen years of association with NAAC Accreditation and Reaccreditation process. Seventy-plus national and international research publications. Chief Editorship and Editorial Board Memberships of ISSN Journals. Gold Medal for M.Com. degree examination (1991) from University of Kerala Foreign country visits - Thailand, Bulgaria, Sri Lanka and UAE Educational Qualifications: Sl. No. Degree University % of Marks/Grade 1 Ph.D. Commerce University of Kerala - 2 M.Phil.,, Grade A 3 M.Com.,, First Rank with First Class (63.25%) 4 M.B.A. (Finance) IGNOU Grade A (67%) Area of Specialisation Corporate Finance - Microfinance - Financial, Cost and Management Accounting Academic Awards/Scholarships/Fellowships: 1. Post-Doctoral Fellowship Award of ICSSR (2013) to carry out the research work Financial Management of Rural Women Micro Enterprises (RWMEs) in Kerala 2. Gold Medal for First Rank with First Class in M.com. Degree from University of Kerala, Kerala, India (1991). 3. Row Memorial Prize for securing the highest mark in M.com. Degree from Fatima Mata National College, Kollam, Kerala, India (1991). 4. First Best Paper Award for the paper Problems in the Implementation of MGNREGA: An Exploration at the Worksite Mates Level, presented in the Annual International Seminar Economy, Enterprises and Employment Jan 3-4, 2014, organised by Delhi School of Professional Studies and Research, New Delhi. 5. Best Paper award for the paper Green Financing and Technology Upgradation of MSMES: A Way Out for Sustenance during Globalisation, presented in the International Conference, Globalisation is Irreversible: Need for Branding India Inc. and Making MSMEs organised by the Department of Commerce and International Business, Sree Saraswathy Thyagaraja College, Pollachi, Coimbatore, Tamil Nadu, India.

Research Publications 1. Development Financial Institutions and Industralisation: The Pathetic Case of Assisted Units in Kerala, Finance India, Quarterly Journal of Indian Institute of Finance, December Vol. 26, No. 4. (2012) (ABDC Rated Journal) 2. Problems faced in the implementation of Total Quality Management in higher secondary schools in Kerala, India, Journal of Social and Economic Development (2015) (Springer Journal) (ABDC Rated Journal). 3. Brand Loyalty of Customers in Smartphone Brands, Indian Journal of Marketing, Vol. 47, No. 3. (2017) (Scopus Indexed) (UGC listed Journal). 4. Impact of Micro Credit Dispensation on Economic Empowerment of Women in Kerala, Journal of Rural Development, Vol. 35(1) (2016). (Scopus Indexed) (UGC listed Journal). 5. Access, Use and Repayment of Micro Credit in Kerala: An Analysis, Journal of Rural Development, Vol. 32, No. 3. (2013). (Scopus Indexed) (UGC listed Journal). 6. Capacity Building through Women Groups, Journal of Rural Development, Vol. 31, No. 2. (2012). (Scopus Indexed) (UGC listed Journal). 7. SHG Linked Micro Enterprises: The Kerala Experience, Journal of Rural Development, Vol. 30, No. 3. (2011). (Scopus Indexed) (UGC listed Journal). 8. Cosy Auditor Management Relationships and Corporate Frauds in India, Prabandhan: Indian Journal of Management, Vol. 7, No. 3. (2014) (Cabell s Indexed) (UGC listed Journal). 9. Growth in Income, Spread and Profit of Commercial Banks, Southern Economist, 52 (7): -15-18. (2013) (UGC listed Journal). 10. Micro Credit Dispensation Models and Employment Generation, Southern Economist, 48 (17): - 9-10.(2010). (UGC listed Journal). 11. Cumbersome Institutional Credit for SMEs: The Indian Experience, IOSR Journal of Business Management, International Organisation for Scientific Research, Vol. 6, No. 4. (2012). (UGC listed Journal). 12. Indiscriminate River Sand Mining: A Manmade Disaster in Kerala, India, Bionano Frontier (Special Issue 9), Published by International Society of Science and Technology, Mumbai (2012). (UGC listed Journal). 13. Industrial Development of Kerala: The Deplorable Condition, Review of Social Sciences, 10 (1): 77-85. (2009). (UGC listed Journal) 14. Financial Literacy and Micro Credit Management: A Micro Study among Members of Neighbourhood Groups of Kudumbashree (Kerala), International Journal of Microfinance, 1 (1): 70-77. (2011) (Pondicherry Central University Journal) 15. Kudumbashree: Empowering Beautifully, Kerala Calling, Government of Kerala Publication, 31 (1): 36-39. (2010).. Page 2 of 12

16. Country Risk and Risk Premium for Portfolio Investments: An Examination of BRICS Nations, Economy and Business, Open Access Journal of International Scientific Publications owned by International Scientific Events, Bulgaria. Vol. 8, (2014). 17. India Thailand Bilateral Trade: A Review Against the Backdrop of the Framework Agreement, ABAC Journal, Assumption University, Bangkok, Thailand, Vol. 32, No. 3. (2012). 18. Quality Education through Continuous Improvement: Evidences for Application of TQM in Higher Secondary Education in Kerala, India, International Journal in Commerce, IT & Social Sciences (2015) Vol. 2 Issue 5, pp1-11. 19. Efficiency of Receivables and Liquidity Management in Pharmaceutical Companies in India: An Application of Bathory s Risk Perception Model, PRIMAX International Journal of Commerce and Management Research (PIJCMR), Special Issue Nov. 2015. 20. Portfolio Investments in TIMP Nations: An Examination Based on Country Risk and Risk Premium, Journal of Exclusive Management Science, November Special Issue 2014. 21. Women Entrepreneurship for Poverty Alleviation during Globalisation: Empirical Evidences from Kerala, India, Commerce and Management Explorer, Quarterly International Journal of Social Science Research published by Catholicate College, Pathanamthitta, Kerala, Vol. 3, No. 2. (2013). 22. Transition to IFRS: Practical Issues and Concerns in India, Commerce and Management Explorer, Quarterly International Journal of Social Science Research published by Catholicate College, Pathanamthitta, Kerala, Vol. 2, No. 2. (2012) 23. Financial Inclusion in India: A Critical Review., Commerce and Management Explorer, Quarterly International Journal of Social Science Research published by Catholicate College, Pathanamthitta, Kerala, Vol. 2, No. 1. (2012). 24. Port Evaluation Based on UNCTAD Benchmarks: A Case of Cochin Port Trust, Trade Winds, 10(1): 30-52 (2015) (ISSN 2320-5393). 25. Infrastructure Financing by HUDCO in Kerala, Journal of Social Welfare and Management, July-September Volume 7 Number 3 2015 (ISSN 0975-0231). 26. Registration for Work, Worksite Facilities and Management of Worksites under the Mahatma Gandhi NREGA in Kerala, Commerce Spectrum, Double Blind Peer Reviewed Half Yearly Journal of St. Peter s College, Kolenchery, Vol. 3, No. 2 December 2015. 27. Registration, Issue and Management of Job Cards under the Mahatma Gandhi NREGA in Kerala, Commerce Spectrum, Double Blind Peer Reviewed Half Yearly Journal of St. Peter s College, Kolenchery, Vol. 3, No. 1, June 2015. 28. Structural Changes and Growth in Kerala Economy, Commerce Spectrum, Double Blind Peer Reviewed Half Yearly Journal of St. Peter s College, Kolenchery, June Vol. 2, No. 1 June 2014. 29. FDI and Gross Capital Formation among BRICS Nations, Contemporary Commerce Review, Double Blind Peer Reviewed Half Yearly Journal of The Cochin College, Kochi. Vol.2, No.2. (2014). 30. Changing Structure of India s Foreign Trade, Caarmel Journal of Management Research, Vol. 2, No. 1. (2014). Page 3 of 12

31. Rural Self-employment Programmes A Review, Commerce Spectrum, Double Blind Peer Reviewed Half Yearly Journal of St. Peter s College, Kolenchery, Vol. 2, No. 2 December 2014. 32. Magic of Employment Generation through MNREGS: Evidences from Kerala, Journal of Social Welfare and Management, October- December Vol. 5, No. 4. (2013). 33. Causes of Stress among IT-BPO Sector Employees: An Exploration, Commerce Spectrum, Double Blind Peer Reviewed Half Yearly Journal of St. Peter s College, Kolenchery, June Vol. 1, No. 1.(2013). 34. Infrastructure Financing in the Indian Context, Journal of Social Welfare and Management, October- December Vol. 4, No. 4. (2012). 35. India-Sri Lanka Bilateral Trade: A Review in the Light of India-Lanka Free Trade Agreement (ILFTA), Contemporary Commerce Review, Double Blind Peer Reviewed Half Yearly Journal of The Cochin College, Kochi. Vol.1, No.1 (2012) 36. Performance, Facilities, Procedures and Issues: A Study About Cochin Special Economic Zone (CSEZ), Managing the Future, Half Yearly Journal of Social Science Research published by Bishop Abraham Memorial College, Thuruthicadu, Kerala, Vol. 2, No. 1. (2012). 37. Indian Banking Sector and Global Meltdown: A Micro Analysis, Explorations (Journal of Seminar Papers), Deva Matha College, Kuruvilangadu, Kerala, Vol. 2, No. 3. (2011). 38. Special Economic Zones: A Path for the Development of Kerala, Research Scholar, Scholars Association of Kerala, Kottayam, Kerala. Vol. 1, No. 2. (2011). 39. Reverse Mortgage in India: Issues and Concerns: AUREOLE (A Journal of Multidisciplinary Studies and Research), published by Research Cell, St. Stephen s College, Uzhavoor, Kottayam, Kerala, Vol. II &III. (2011). 40. Tourism in Kerala: An Icon of Economic Growth, KEGEES Journal of Social Science, 3 (1): 166-174. (2011). 41. Capital Swallowed: The Plight of KFC Assisted Units in Kerala, Trade Winds, 1(6): 9-13. (2011). 42. Institutional Term Lending and Industrial Development of Kerala, KEGEES Journal of Social Science, 2 (2): 360-368. (2010). 43. Micro Insurance and Financial Inclusion The Realities, Indian Commerce Bulletin, 11 (1): 94-102. (2009). 44. Institutional Finance For Industrialisation: A Vanishing Source in the Post Reform Era, Managing for the Future, 1 (1): 1-7. (2008) 45. Impact of Microcredit Dispensation in Kerala, in Kumar and others edited book Trends and Challenges in Indian Business Management (International Conference Outcome), Department of Management Studies, Sree Narayana Gurukulam College of Engineering, Kolenchery, Kerala, India. (ISBN 978-93-83241-60-6). 46. Foreign Sources of Finance for Indian Companies in Kumar and others edited book Trends and Challenges in Indian Business Management (International Conference Outcome), Department Page 4 of 12

of Management Studies, Sree Narayana Gurukulam College of Engineering, Kolenchery, Kerala, India. (ISBN 978-93-83241-60-6) (2014). 47. Problems in the Implementation of MGNREGA: An Exploration at the Worksite Mates Level, in Annual International Seminar Proceedings Economy, Enterprises and Employment Jan 3-4, 2014, organised by Delhi School of Professional Studies and Research, New Delhi. (ISBN 978-81- 923211-6-5).(2014). 48. Impact of Microcredit Dispensation in Kerala, in Kemthose P. Paul and Hari Sundar G. Ram edited book Paradigm Shift in Innovative Business Management (International Conference Outcome), Department of Management Studies, Sree Narayana Gurukulam College of Engineering, Kolenchery, Kerala, India. (ISBN 978-93-80430-14-0). (2012). 49. Green Financing and Technology Upgradation of MSMES: A Way Out for Sustenance during Globalisation, in Globalisation is Irreversible: Need for Branding India Inc. and Making MSMEs Competitive (International Conference Proceedings), Department of Commerce and International Business, Sree Saraswathy Thyagaraja College, Pollachi, Coimbatore, Tamil Nadu, India. (ISBN 978-81-910472-9-5) (2012) 50. Group Entrepreneurship of Women: Poverty Alleviation and Empowerment Approach in Kerala, India during Globalisation, in Asian Identities: Trends in a Globalised World (International Conference Proceedings), Faculty of Social Sciences, Srinakharinwirot University, Bangkok, Thailand. (2011). 51. Identification of Financial Risk Factors of Petroleum Companies in India: An Exploration Based on Alexander Bathory s Model in Kumar & Edward (eds) book Contemplations on New Paradigms in Finance (ISBN 978-93-80095-99-8).(2017). 52. Capital Intensity and Firms Performance in India in Kumar & Edward (eds) book Emerging Paradigms in Business: Marketing and HR Perspectives (ISBN 978-93-80095-99-8). (2017). 53. Retailing in Rural India, in ISBN Seminar Proceedings of Two Day UGC sponsored National Seminar on Retail Sector of India organised by WMO Arts & Science College, Muttil, Wayanadu on 20-21, Jan 2016 (ISBN 978-93-5254-808-8). 54. Is Basel Compliance or Recapitalisation the Real Challenge for Indian Banks, in ISBN Conference Proceedings of the Two Day UGC sponsored National Seminar on Modern Trends in Banking organised by the BCM College, Kottayam on 03-04 September, 2015 (ISBN 978-93-5235-999-8). 55. Corporate Social Responsibility of Commercial Banks in India: A Review, in ISBN Conference Proceedings of the Two Day UGC sponsored National Seminar on Role of Corporate Social Responsibility on Modern Business Era organised by the Sree Sankara Vidyapeetom College, Perumbavoor 6 th and 7 th August, 2014 (ISBN 978-81-927911-5-9) 56. Corporate Social Responsibility among Indian Incorporates, in ISBN Conference Proceedings of the Two Day UGC sponsored National Seminar on Corporate Governance in India Issues and Concerns organised by the St. Stephen s College, Uzhavoor on 28 th and 29 th August, 2014 (ISBN 978-81-930000-1-4) 57. Measuring Country Risk in Equity Investment in Santhosh Kumar, S & others (eds) book Foreign Direct Investment in India: Opportunities and Challenges (ISBN 978-93-5156-043-2). (2014) Page 5 of 12

58. FDI in Indian Telecommunication Sector in Santhosh Kumar, S & others (eds) book Foreign Direct Investment in India: Opportunities and Challenges (ISBN 978-93-5156-043-2). (2014) 59. Giant Vs. Dragon: FDI in India and China in Santhosh Kumar, S & others (eds) book Foreign Direct Investment in India: Opportunities and Challenges (ISBN 978-93-5156-043-2). (2014). 60. Micro-insurance for Rural Lives: An Evaluative Study Based on the Perception of Policyholders, in Multivariate Analysis in Commerce and Management Research (Conference Proceedings) published as part of the UGC Sponsored National Seminar on Multivariate Data Analysis in Research, organised by K.G. College, Pambadi on Dec.16-17, 2013. 61. Performance Management Practices in Public Sector Manufacturing Companies in Kerala, in Multivariate Analysis in Commerce and Management Research (Conference Proceedings) published as part of the UGC Sponsored National Seminar on Multivariate Data Analysis in Research, organised by K.G. College, Pambadi on Dec.16-17, 2013. 62. Measurement and Scaling in Social Science Research in Research and Knowledge Management: The Role of Industry and Academia (Conference Proceedings), published by Govt. College Tripunithura, Kerala. (2012) 63. Plagiarism in Research Writing and Publishing: Understanding the Deceits and Threats in Research and Knowledge Management: The Role of Industry and Academia (Conference Proceedings), published by Govt. College Tripunithura, Kerala.(2012). 64. Micro Finance and Financial Inclusion in India: The Intra-national Disparity, in: Catherine, B.S. and others (Eds.). Inclusive Growth in India: An Emphasis on Financial and Social Inclusion, Excel India Publishers, New Delhi. (2010) 65. Global Financial Crisis and Realty Sector in India, in Global Financial Crisis and Indian Economy (Conference Proceedings), Post Graduate Department of Commerce, St. Peter s College, Kolenchery, Kerala, India. (2010). Books Published 1. Contemplations on New Paradigms in Finance (Edited Volume), Directorate of Public Relations and Publications, Cochin University of Science and Technology, Kochi (ISBN 978-93-80095-87-5). (National Edition).(2017) 2. Emerging Paradigms in Business: Marketing and HR Perspective (Edited Volume), Directorate of Public Relations and Publications, Cochin University of Science and Technology, Kochi (ISBN 978-93-80095-99-8). (National Edition).(2017). 3. Total Quality Management in Education, Abhijeet Publications, New Delhi, India (with ISBN) (National Edition).(2014). 4. Foreign Direct Investment in India: Opportunities and Challenges, Published by the Principal, St. Peter s College, Kolenchery (ISBN 978-93-5156-043-2). (2014). 5. Micro Credit and Economic Empowerment of Women, Abhijeet Publications, New Delhi, India. (with ISBN) (National Edition).(2012) 6. Institutional Finance for Industrialisation, Abhijeet Publications, New Delhi, India. (with ISBN) (National Edition).(2010). Page 6 of 12

Resource Person for Academic Seminars/Workshops/Academic Staff Colleges 1. Two Day UGC sponsored National Workshop on Research Methodology in Social Science organised by IDE, University of Kerala (2017). 2. One-day seminar on Methodology of Business Research organised by Newman College, Thodupuzha on 04.11.2016. 3. One-day Workshop on Visualising Research A Guide for Under Graduate Students organised by The Cochin College, Kochi on 10.08.2016. 4. One-day workshop on Research Methodology & Project Report Preparation organised by MES College, Marampally on 05.08.2016. 5. Two Day UGC sponsored National Seminar on Corporate Governance: Trends, Implications and Challenges organised by NMSM Govt. College, Kalpetta, Wayanad from 21-22 March, 2016. 6. Panel Discussion on Myth and Realities in Academic Research in relation to the Three-day UGC sponsored national seminar Research Methodology and Statistical Analysis in Social Science Research organised by Deva Matha College, Kuruvilangad, Kottayam, Kerala, India. 7. Two Day UGC sponsored National Seminar on Retail Sector of India organised by WMO Arts and Science College, Wayanad from 20-21 January, 2016. 8. Two Day National Seminar sponsored by Directorate of Collegiate Education, Govt. of Kerala, on Rural Development: Emerging Economic and Commercial Perspective organised by Government College, Thripunithura from 15-16 December, 2015. 9. Two Day UGC sponsored National Seminar on India and Cross Boarder Capital Flows in the Post Liberalised Era organised by S.N. College, Cherthala from 3-4 December, 2015. 10. State Level Seminar on Preparation of Dissertation A Practical Approach organised by M.A. College, Ramapuram on 28 th November 2015. 11. Three Day UGC sponsored National Workshop on Research Methodology organised by the St. Thomas College, Pala, from 16-18 September, 2015. 12. Two Day UGC sponsored National Seminar on Modern Trends in Banking and Finance organised by the BCM College, Kottayam, from 3-4 September, 2015 13. Refresher Course in Research Methodology in Social Science, conducted by the UGC- Academic Staff College, University of Calicut from 05.08.2015 to 25.08.2015. 14. State Level Seminar of KAASS held as part of 17 th Annual Day Celebrations of Kerala State Poverty Eradication Mission, Kudumbashree, Govt. of Kerala on 20 th August 2015. 15. Two Day UGC sponsored National Seminar on Role of Corporate Social Responsibility on Modern Business Era organised by the Sree Sankara Vidyapeetom College, Perimbavoor from 6-7 August, 2015 16. Two Day UGC sponsored National Seminar on Emerging Trends in Banking and Finance: Opportunities, Challenges and Responses organised by the Newman College, Thodupuzha from 30-31 July, 2015 Page 7 of 12

17. Two Day National Workshop on organised by the Research Forum, Department of Commerce and Management Studies, University of Calicut on 22 nd May 2015. 18. Two Day UGC sponsored National Seminar on Corporate Governance in India Issues and Concerns organised by the St. Stephen s College, Uzhavoor on 28 th and 29 th August, 2014. 19. Two Day UGC sponsored National Seminar on Role of Primary Co-operative Societies in Agricultural Finance with Special Reference to Kerala organised by the Al-Ameen, Edathala, Aluva, on 21 st and 22 nd August, 2014. 20. State Level Seminar Urban Poverty Alleviation organised by the Kudumbashree District Mission, Kollam, Govt. of Kerala on 8 th August 2014. 21. Two Day National Seminar on Opportunities and Challenges in Industrial Financing, organised by the Mar Thoma College of Science and Technology, Ayur, on May 22-23, 2014. 22. Study Classes and Financial Literacy Programmes for Neighbourhood Groups Members (2012 onwards) 23. Interaction Programme for Ph.D. Scholars Six Day National Workshop on Research Methodology in Social Science, organised by the UGC-Academic Staff College, University of Calicut from 20.03.2013 to 26.03.2013. 24. Two-day National Conference on Inclusive Innovation and Sustainable Growth, organised by the Rajagiri College of Social Sciences, Kochi from 30.08.2013 to 31.08.2013. 25. National Level Seminar on Infrastructure Financing in India: Opportunities and Challenges conducted by Al-Ameen College, Aluva, Kerala, India, Oct. 9, 2012. 26. National Level Workshop on Perspectives and Methodology of Business Studies conducted jointly by the Kerala State Higher Education Council and St. Stephen s College, Uzhavoor, Kerala, India, Aug.19-20, 2011. 27. National Seminar on Impact of Globalisation in the Capital Market in India, conducted by the Government College, Manjeswar, Kerala, India, Feb. 26, 2008. Seminar/Conference Presentations (International) 1. Financial Risk Factors of Petroleum Companies in India: An Examination Based on Alexander Bathory s Model, paper presented in the International Conference Entrepreneurship, Innovation and Development 2016, conducted by the Post Graduate and Research Department of Commerce, St. Peter s College, Kolenchery, from January 8-9, 2016. 2. Foreign Sources of Finance for Indian Companies, paper presented in the International Conference Trends and Challenges in Indian Business Management, conducted by Department of Management Studies, Sree Narayana Gurukulam College of Engineering, Kolenchery, Kerala, India from 16-17 th November 2014. 3. Gold Imports and Current Account Deficit in India: A Review, paper presented in the International Conference Trends and Challenges in Indian Business Management, conducted by Department of Management Studies, Sree Narayana Gurukulam College of Engineering, Kolenchery, Kerala, India from 16-17th November 2014. Page 8 of 12

4. Portfolio Investment in TIMP Nations: An Examination Based on Country Risk and Risk Premium, paper presented in the International Conference Trends and Challenges in Indian Business Management, conducted by Department of Management Studies, Sree Narayana Gurukulam College of Engineering, Kolenchery, Kerala, India from 16-17th November 2014. 5. Country Risk and Risk Premium for Portfolio Investments: An Examination of BRICS Nations, paper presented in the International Conference Economy and Business, organised by the International Scientific Events, Bulgaria on September 1-5, 2014. 6. Problems in the Implementation of MGNREGA: An Exploration at the Worksite Mates Level, paper presented in the Annual International Seminar Economy, Enterprises and Employment organised by Delhi School of Professional Studies and Research, New Delhi on Jan 3-4, 2014. 7. Impact of Microcredit Dispensation in Kerala, Paper presented in the International conference Paradigm Shift in Innovative Business Management conducted by Department of Management Studies, Sree Narayana Gurukulam College of Engineering, Kolenchery, Kerala, India from 16-17 th November 2012. 8. Indiscriminate River Sand Mining: A Manmade Disaster in Kerala, India, Paper presented in International Conference on Environment and Humanities Eco Revolution 2012 held at Colombo, Sri Lanka from 18 th to 20 th Aug. 2012. 9. Green Financing and Technology Upgradation of MSMES: A Way Out for Sustenance during Globalisation, Paper presented in international conference Globalisation is Irreversible: Need for Branding India Inc. and Making MSMEs Competitive, Department of Commerce and International Business, Sree Saraswathy Thyagaraja College, Pollachi, Coimbatore, Tamil Nadu, India. 10. Group Entrepreneurship of Women: Poverty Alleviation and Empowerment Approach in Kerala, India during Globalisation, Paper presented in Asian Identities: Trends in a Globalised World Conference, Faculty of Social Sciences, Srinakharinwirot University, Bangkok, Thailand, Feb. 9-11, 2011. 11. Financial Literacy and Micro Credit Management: A Micro Study among Members of Neighbourhood Groups of Kudumbashree (Kerala), Paper presented in International Conference on Micro Finance 2011, Pondicherry University, Pondicherry, India, Jan. 27 29, 2011. 12. Micro Insurance and Financial Inclusion The Realities, Paper presented in International Conference on Micro Finance 2009, Pondicherry University, Pondicherry, India, Jan. 21 23, 2009. Seminar/Conference Presentations (National) 1. Goods and Service Tax: Implications on Kerala, paper presented in UGC sponsored national seminar on Impact of Goods and Service Tax on Trade and Commerce in India organised by St. Michael s College, Cherthala on November 10-11, 2016. 2. Blue Ocean Strategies and Indian Companies, paper presented in the UGC Sponsored National Seminar Innovative Trends in the Changing Indian Scenario, organised by the Post Graduate and Research Department of Commerce, Nirmala College, Muvattupuzha from 10-11 September, 2015. 3. CSR Spending by Commercial Banks in India: A Review paper presented in the UGC Sponsored National Conference Role of Corporate Social responsibility on Modern Business Page 9 of 12

Era, organised by the Department of Commerce, Sree Sankara Vidhyapeetom College, Perumbavoor from 6-7 August, 2015. 4. Port Performance Evaluation Based on UNCTD Benchmarks, paper presented in the UGC Sponsored National Conference Emerging Trends in Banking and Finance: Opportunities, Challenges and Responses, organised by the Postgraduate Department of Commerce, Newman College, Thodupuzha from 30-31 July, 2015. 5. Infrastructure Financing by HUDCO in Kerala, paper presented in the UGC Sponsored National Conference Emerging Trends in Banking and Finance: Opportunities, Challenges and Responses, organised by the Postgraduate Department of Commerce, Newman College, Thodupuzha from 30-31 July, 2015. 6. Urban Poverty Alleviation and Kudumbashree paper presented in the State Level Seminar Urban Poverty Alleviation organised by the Kudumbashree District Mission, Kollam on 8 th August 2014. 7. Measuring Country Risk in Equity Investment, paper presented in the UGC Sponsored National Conference FDI in India: Opportunities and Challenges, organised by the Post Graduate and Research Department of Commerce, St. Peter s College, Kolenchery on Jan 30-31, 2014. 8. FDI in Indian Telecommunication Sector, paper presented in the UGC Sponsored National Conference FDI in India: Opportunities and Challenges, organised by the Post Graduate and Research Department of Commerce, St. Peter s College, Kolenchery on Jan 30-31, 2014. 9. Giant Vs. Dragon: FDI in India and China, paper presented in the UGC Sponsored National Conference FDI in India: Opportunities and Challenges, organised by the Post Graduate and Research Department of Commerce, St. Peter s College, Kolenchery on Jan 30-31, 2014. 10. Micro-insurance for Rural Lives: An Evaluative Study Based on the Perception of Policyholders, Paper presented in UGC Sponsored National Seminar on Multivariate Data Analysis in Research, organised by K.G. College, Pambadi on Dec.16-17, 2013. 11. Performance Management Practices in Public Sector Manufacturing Companies in Kerala, Paper presented in UGC Sponsored National Seminar on Multivariate Data Analysis in Research, organised by K.G. College, Pambadi on Dec.16-17, 2013 12. Infrastructure Marketing in the Indian Context, Paper presented in National Conference on Marketing Strategies for Corporate Sustainibility in the Information Age, Caarmel Engineering College, Kerala India, Nov. 9, 2013. 13. Performance of Equity Mutual Funds: Sample Evidences, Paper presented in UGC Sponsored National Seminar on Recent Trends in Capital Market and its Effect on Commerce, Industry and Economy of India, organised by St. Paul s College, Kalamssery and Kerala Management Association on Feb 2013. 14. Trends in Income, Spread and Profit of Commercial Banks in India, Paper presented in National Seminar on Emerging Trends in Banking and Finance, Mar Athanasius College, Kothamangalam, Kerala India, March. 14-15, 2012. 15. Rainwater Harvesting Scheme (Jalanidhi) of Government of KeralaA Study Based on the Perception of Beneficiaries in Kadanadu Grama Panchayat, Paper presented in State Level Seminar on Major Issues for Sustainable Economic Development of Kerala organised by the Page 10 of 12

P.G. Department of Commerce and Mahatma Gandhi University, Kottayam, Kerala, India, Feb. 23-24, 2012. 16. Measurement and Scaling in Social Science Research, Paper presented in National Seminar on Research and Knowledge Management The Role of Industry and Academia, Government College, Thripunithura, Kerala India, Jan. 19-20, 2012. 17. Plagiarism in Research Writing and Publishing, Paper presented in National Seminar on Research and Knowledge Management The Role of Industry and Academia, Government College, Thripunithura, Kerala India, Jan. 19-20, 2012. 18. Transition to IFRS: Practical Issues and Concerns in India, Paper presented in National Conference on International Financial Reporting Standards Benefits and Challenges to the Globalised Economy of India, Caarmel Engineering College, Kerala India, Oct. 28-29, 2011. 19. Indian Banking Sector and Global Meltdown: A Micro Analysis, Paper presented in UGC Sponsored National Seminar on Impact of Global Meltdown on Indian Banking Sector Challenges and Opportunities, Deva Matha College, Kuravilangad, Kerala India, Sept. 29-30, 2011. 20. Research Reporting: A Practical Understanding, Paper presented in a Two Day Seminar on Research Methodology, Newman College, Thodupuzha, Kerala India, Aug. 25-26, 2011. 21. Research Methodology in Social Science: A Practical Understanding, Paper presented in a Two Day Workshop on Perspectives and Methodology of Business Studies, St. Stephen s College, Uzhavoor, Kerala India, Aug. 19-20, 2011. 22. Infrastructure Finance in the Indian Context, Paper presented in National Seminar on Urban Infrastructure Financing, Bharata Mata College, Thrikkakara, Kerala India, Nov. 23-25, 2010. 23. Micro Finance and Financial Inclusion in India: The Intra-national Disparity, Paper presented in National Seminar on Inclusive Growth in India, Women s Christian College, Chennai, India, Oct. 7-8, 2010. 24. SEZ: Is a Path to Development in the Kerala Context, Paper presented in National Seminar on SEZ and Economic Development, The Cochin College, Kerala, India, Sep. 15-16, 2010. 25. SHGs and Economic Empowerment of Women in India: The Regional Paradox, Paper presented in National Seminar on Women Empowerment, St. Peter s College Kolenchery, Kerala, India, July 8-9, 2010. 26. Reverse Mortgage: A Cash flow Source for the Elderly, Paper presented in National Seminar on Financial Sector Reforms, St. Xavier s College for Women, Aluva, Kerala, India, Sep. 25-26, 2008. 27. Micro Insurance in India Issues and Concerns for Further Extension, Paper presented in National Seminar on Opening Up Insurance Industry: Issues and Concerns, Baby John Memmorial Government College, Chavara, Kerala, India, March 18-19, 2008. 28. Global Financial Crisis and Realty Sector in India, Paper presented in the National Seminar Global Financial Crisis and Indian Economy Post Graduate Department of Commerce, St. Peter s College, Kolenchery, Kerala, India., August 2009, Pages 55-63. Page 11 of 12

29. Globalisation: Promises and Pitfalls (Guest Lecture), Paper presented in National Seminar on Impact of Globalisation in the Capital Market in India, Government College, Manjeswar, Kerala, India, Feb. 26, 2008. Major and Minor Research Projects Completed/Sanctioned: Sl. Year of Name of Project Major/Minor Duration Funding Agency No. Completion 1 Microcredit and Economic Empowerment of Women in Kerala Major 2 years UGC, New Delhi 2011 2 Microcredit Dispensation Models for the Effective Self Employment of Women in Minor 1 year UGC, New Delhi 2008 Kerala 3 Stock Price and Volume Movements around Mergers and Acquisitions Announcement in the Pharmaceutical Minor 1 year UGC, New Delhi Not engaged 4 Industry in India Socio-economic Survey of Dwellers in the Ward IV and V of Aikkaranadu Grama Panchayat, Ernakualm, Kerala Editorship of Journals (a) Editor-in-Chief Minor 1 year PG Dept. Fund form UGC, New Delhi Former Editor-in-Chief of the Double-blind Peer Reviewed Half Yearly Research Journal Commerce Spectrum of the Post Graduate and Research Department of Commerce, St. Peter s College, Kolenchery. (b) Editorial Board Member 1. National Editorial Advisory Board Member of Journal of Social Welfare and Management (ISSN 0975-0231) (Quarterly Peer Reviewed Journal of Red Flower Publications Pvt. Ltd., Delhi, India) 2. Editorial Board Member of Commerce and Management Explorer (ISSN 2230-9187) (Quarterly International Journal of Social Science Research published by Catholicate College, Pathanamthitta, Kerala, India) 3. Editorial Board Member of Contemporary Commerce Review (ISSN 2319 3638) (Double Blind Peer Reviewed Half Yearly Journal of The Cochin College, Kochi, Kerala, India) 2009 Kolenchery 30.09.2017 Dr. Santhosh Kumar S. Page 12 of 12