Dr. Mohd Rafiq Shah

Assistant Professor

Interest Area(s)

  • Financial Literacy
  • Behavioral Finance
  • Household Finance
  • Investment Decision

Dr. Mohd Rafiq Shah is an accomplished academician and financial literacy expert, with over Five years of extensive experience in teaching and the corporate sector. He holds a Doctorate in Finance from the prestigious School of Commerce, Devi Ahilya Vishwavidyalaya, Indore (University of Indore), where his research focused on “Financial Literacy and Its Impact on Investment Decisions – A Comparative Analysis Between North India and Central India.”

Dr. Shah’s academic foundation is robust, encompassing a Master’s Degree in Commerce with a specialization in Finance and a Bachelor’s Degree in Commerce. In addition, he holds a Bachelor’s Degree in Education (B.Ed) from the University of Kashmir and a Postgraduate Diploma in International Business operations from IGNOU. His comprehensive educational background underscores his expertise and versatility in the fields of commerce and finance.

Prior to his tenure at K.R. Mangalam University, Dr. Shah served as a faculty member in Higher Education, Jammu & Kashmir, where he honed his teaching and research skills. He has an impressive track record of scholarly contributions, having published numerous research papers in reputed national and international journals. Furthermore, he has actively participated in various seminars, workshops, and conferences, showcasing his dedication to academic excellence and continuous learning. He has also acted as an Organizer and Convenor of various events, Seminars and Workshops. Dr. Shah has also completed several Faculty Development Programs (FDPs) conducted by top-rated institutions across India, further enhancing his pedagogical and professional capabilities.

A recognized authority in financial literacy, Dr. Shah has organized and led numerous events at educational institutions to promote financial knowledge among diverse stakeholders. His commitment to empowering individuals with financial acumen is a testament to his passion for education and societal impact.

Dr. Shah is proficient in both English and Hindi, excelling in speaking, reading, and writing in both languages. He is skilled in academic research methodologies and statistical analysis, with expertise in using advanced tools such as MATLAB, STATA, IBM SPSS and R. This technical proficiency complements his academic and professional pursuits, making him a well-rounded and resourceful expert in his domain.

Dr. Shah remains steadfast in his mission to contribute to the field of finance through         innovative research, impactful teaching, and community engagement. His dedication to excellence continues to inspire and elevate those he mentors and collaborates with.

Academic Qualifications: –

  • Doctor of Philosophy

Department of Commerce, Devi Ahilya Vishwavidyalaya University (DAVV), Indore, 2019. PhD Topic: – Financial Literacy and its Impact on Investment Decision- ‘A Comparative Analysis between Jammu (J & K) and Indore (M.P.)’

  • Master of Commerce (Finance)

School of Business, Lovely Professional University, Punjab, 2013

  • Bachelor of Commerce

University of Kashmir, Srinagar, (J & K), 2010

  • Higher Secondary

JK Board of School Education, Kashmir, 2007

  • Secondary

JK Board of School Education, Kashmir, 2005

Professional Qualifications: –

  • Bachelors of Education (B.ed), University of Kashmir, 2014.
  • Post-Graduate Diploma in International Business Operations, Indra Gandhi National Open University, 2015.
  • Accounts Manager at Mahindra and Mahindra Financial Services Ltd., 2016.
  • Assistant Professor (Academic Arrangement), Jammu and Kashmir Higher Education Department w-e-f 2020 to 2023.
  • Presented a paper entitled ‘An Assessment of Handicrafts Sector of Jammu and Kashmir’ (With special reference to Central Kashmir) in National Seminar on Handicrafts and Sustainable Livelihood with special reference to Artisan Women at Women Studies Department, Barkatullah University Bhopal in the year 2016.
  • Presented a paper entitled ‘Corporate Social Responsibility: A case study of Tata Group’ in International Conference at VIPSAR, Indore in the year 2016.
  • Presented a paper entitled ‘Financial Literacy and Its Impact on Investment Decision- An Empirical Study among the Investors of Indore District’ in Twelfth International Conference on Entrepreneurship, Innovation and Good Governance for Global Leadership in the year 2018.
  • Presented a paper entitled ‘Financial Literacy (Current Scenario and Future Prospects in India)’ in 5th International Conference on Innovative and Happy Practices: A startup Pedagogy in the Organisation at Maharaja Ranjit Singh Group of Institutions, Department of Management Programs Indore in the year 2018.
  • Can Make in India Boost Foreign Direct Investment? ‘An Evaluation’. Published in National Seminar on Make in India (The Revolutionary Project): Prospects & Challenges,Vol.–III, ISBN: 978-93-84044-87-9, March 03-04, 2016, B.L.P. Govt. PG. College, Mhow, Indore.
  • Impact of FDI on GDP and Indian Economy: An Evaluation. National Seminar on Make in India (The R e v o l u t i o n a r y P r o j e c t ): Prospects & Challenges Vol. – III, ISBN: 978-93-84044-87-9, March 03-04, 2016, B.L.P. Govt. PG. College Mhow, Indore (M.P.).
  • Assessment of banking awareness among working women: An empirical study in India. Published in International Journal of Accounting Research, ISSN- 26179954, Issue 9(1), 2024, published on 30-July-2024, Page: 31-35.
  • Examining the Level of Financial Literacy and Its Association with Gender“An empirical analysis among the individuals of Jammu (J&K)”. Online International Interdisciplinary Research Journal, ISSN 2249-9598, Volume-09, Issue- 01, Jan.-Feb. 2019 Issue, Pg. 110- 121, UGC Journal No. = 46964, Impact factor= 5.818
  • Assessing the Financial Literacy Level and its Impact on Investment Decision ‘An Empirical Analysis among the Individuals of Indore. Journal of Emerging Technologies and Innovative Research, ISSN-2349-5162, Volume 5, Issue 12, December 2018, Pg. 92- 117, UGC Journal No.= 63975, Impact Factor= 5.87
  • ‘An Assessment of Handicraft Sector of J&K with Reference to Central Kashmir’. Arabian Journal of Business and Management Review. UGC Approved Journal, ISSN: 2223-5833 AJBMR, Issue- 5, Volume 6, July- 2016
  • Impact of SIDBI on the growth and development of MSME’S of Indore Division. Vidyawarta International Multilingual Research Journal. UGC Approved Journal, ISSN :2319 9318, March 2018, Issue- 21 (02)
  • Financial Literacy and Its Impact on Investment Decisions: An Empirical Study among the Investors of Indore District. Prestige International Journal of Management and Research. ISSN: 09746080, Vol. 10 (3), February2018