Dr. Sushma B S

• Entrepreneurship
• Financial Literacy
• Financial Well-Being
• Microfinance
• Banking
• Women’s Empowerment

• Received a Certificate of Appreciation from the Office of Research and Innovation, Ramaiah University of Applied Sciences, Bengaluru, in recognition of valuable contributions and support towards PhD/Seed Grant/Grants Office workflows, IPR Cell activities, Monthly Data Tracker, Publications Cell, coursework, and various institutional initiatives (2025).
• Received the Best Paper Award for the research titled “360 Degree Startup: A Holistic Approach to New Venture Creation and Scaling” at the International Symposium on Integrating Investment Planning and HR Policy, organized by the Faculty of Management and Commerce, RUAS, Bengaluru, on 23rd August 2025.

National Conference Papers

• Sudarshan, K. R., Sushma, B. S., & Usha, J. C. (2025). A study on the impact of green fintech awareness on investment intentions in environmentally responsible assets. Presented at the International Conference on Bridging Knowledge and Action: Research Papers on Sustainable Development Goals. Published in conference proceedings (ISBN: 978-93-47056-97-0).
• Rubain, Usha, J. C., & Sushma, B. S. (2025). Green finance as a catalyst for sustainable entrepreneurship: Evidence from rural and non-metro start-ups in India. Presented at the International Conference on Bridging Knowledge and Action: Research Papers on Sustainable Development Goals. Published in conference proceedings (ISBN: 978-93-47056-97-0).
• Yamanaappa, Vanishree, K., & Sushma, B. S. (2025). The role of sentiment indicators in influencing IPO investment decisions. Presented at the Two-Day National Seminar on Viksit Bharat 2047, Presidency College, Bengaluru, 30–31 October (ICSSR–SRC sponsored).
• Sushma, B. S. (2025). 360 Degree Startup: A holistic approach to new venture creation and scaling. Presented at the International Symposium on Integrating Investment Planning and HR Policy, Ramaiah University of Applied Sciences, Bengaluru, 23 August.
• Sushma, B. S. (2025). Nurturing millennials’ entrepreneurial aspirations: The impact of financial well-being. Presented at FMOS 2025 – At the Crossroads of Finance, Marketing, and Operations for Sustainable Business, American Institute of Applied Sciences in Switzerland, 13–14 June.
• Usha, J. C., Sushma, B. S., Anicar, D. M., & Vaishanvi, S. (2025). The money molecule: Unlocking financial ecosystem impact on biotech startups. Presented at the 17th International Conference on Business and Finance, IBS Hyderabad, 4–5 April.
• Sushma, B. S., & Mazumdar, C. S. (2025). Exploring the impact of financial well-being on entrepreneurial intention among Gen Z. Presented at ICSSR Sponsored International Conference on Deep-Tech and Policy, MSRUAS & CNSS, 12 February.
• Sushma, B. S., & Usha, J. C. (2025). A study on calendar anomaly in the Indian equity stock market. Presented at CGPMET2025 International Conference on Contemporary Global Perspectives in Management, Environment, and Technology, 16–17 January, Bengaluru.
• Usha, J. C., Sushma, B. S., & Vaishnavi, S. (2025). Sowing the seeds of innovation: The financial ecosystem’s role in agrotech startup success. Presented at CGPMET2025 International Conference on Contemporary Global Perspectives in Management, Environment, and Technology, 16–17 January, Bengaluru.
• Darshan, T. R., & Sushma, B. S. (2024). Determinants of profitability for public sector banks in India. Presented at the International Conference on Emerging Technologies, Business & Society, Bangalore, 4–5 December.
• Sushma, B. S. (2024). Empowering millennials: Exploring financial wellbeing role in entrepreneurial intention. Presented at the Doctoral Colloquium on Business Competitiveness for Attaining Sustainability, FMC, MSRUAS, 7–8 June.
• Sushma, B. S. (2023). A study on the impact of digital financial inclusion through neo banking perspective among youth – a structural equation model approach. Presented at the International Conference on Environmental, Social and Governance, Ramaiah Institute of Management, Bengaluru, 27–28 June.
• Sushma, B. S. (2023). A study on reuse of waste plastic bottles as construction materials for sustainable development. Presented at the International Conference on Environmental, Social and Governance, Ramaiah Institute of Management, Bengaluru, 27–28 June.
• DP, C. and Sushma, B.S., 2020. A Study on Women Work-Life Balance with Reference to Three Dimensions: Personal Life, Work Life-Educationist (Faculties) and Work Life-Research in Bangalore Colleges.

International Conference Papers

• Sushma, B.S., 2016, July. Performance Analysis of Mutual Funds–A Comparative Study on Equity Diversified Mutual Fund. In International Conference on Advances in Collaborative Research for Economics, Management, Humanities, Social Sciences and Computer technology@ Universty of Mysore during.

National Journal Papers

• S. B. S., & Mazumdar, C. S. (2025). Assessing entrepreneurial intention in Gen Z and Millennials: An integrated model studying the mediating effects of risk taking and self-efficacy. Revista de Gestão e Projetos (GeP), 16(3), 497–525. https://doi.org/10.5585/2025.29096
• Sushma, B. S., & Mazumdar, C. S. (2024). Fostering entrepreneurial intention among Gen Z: Exploring the mediating role of financial wellbeing. Migration Letters, 21(S6), 282–292.
• Chethan, J., & Sushma, B. S. (2025). Impact of financial literacy and fintech adoption on financial transparency and profitability of sub-dealers: A study on awareness, usage, and policy support. International Journal of Innovative Research in Science, Engineering and Technology (IJIRSET).
• Aditi, G., & Sushma, B. S. (2025). Stock market forecasting in banking and IT sectors using ARIMA and SARIMA models: A comparative study. International Journal of Innovative Research in Science, Engineering and Technology (IJIRSET), 14(10), 20407.
• Hariprasad, K. A., Chandrakala, D. P., & Sushma, B. S. (2025). An econometric analysis of stock valuation determinants in the FMCG sector. International Journal of Creative Research Thoughts (IJCRT), 13(10).
• Reddy, B. U. K., Sushma, B. S., & Usha, J. C. (2025). A study on working capital efficiency and liquidation in Indian food and beverage industry. Journal of Critical Reviews.
• Jadhav, N., Usha, J. C., & Sushma, B. S. (2025). A study on fintech disruption and regulatory challenges in financial markets. Journal of Critical Reviews.
• Singh, A. K., & Sushma, B. S. (2025). A study on the effectiveness of government credit initiative in promoting business development in Bihar. Turkish Online Journal of Qualitative Inquiry (TOJQI), 16(2), 97–108.
• Hari Haran, J., Sushma, B. S., & Usha, J. C. (2025). Financial feasibility and risk analysis of electric vehicle charging stations in Bangalore: A multi-scenario assessment. Turkish Online Journal of Qualitative Inquiry (TOJQI), 16(2), 109–118.
• Rakshitha, S., & Sushma, B. S. (2025). Financial performance analysis of Indian FMCG companies. In The Business Matrix: A Multidisciplinary Approach to Modern Business Challenges (pp. 204–221). Eureka Publications. ISBN: 978-81-19567-25-6.
• Sunkara, H., Chandrakala, D. P., & Sushma, B. S. (2024). Influence of financial security on the quality of life of IT employees in Bangalore: A behavioral prospective. Journal of Critical Reviews, 11(03), 153–162.
• Prajwal, K. (2024). Factors influencing investment behavior of millennial investors in the stock market in Bangalore urban. Turkish Online Journal of Qualitative Inquiry (TOJQI), 15(3), 56–65. https://doi.org/10.53555/tojqi.v15i3.10479
• Raghu, V., & Bs, M. S. (2024). Stock market reaction to Lok Sabha election: A study of listed companies in NSE with reference to banking, FMCG and IT. Journal of Critical Reviews, 11(03), 124–136. https://doi.org/10.53555/jcr.11.03.19
• Ansari, Jamgade and B S, 2020. Women Entrepreneurship through Microfinance Institution in India. Ramaiah University of Applied Science, Bangalore, p.12
• Sushma, 2020. Impact of artificial intelligence in the hospitality industry. Hospitum Magazine, Ramaiah University of Applied Science, Bangalore.

• Life member of the Operational Research Society of India (ORSI), Bangalore