1. Dr. Subhash D’souza
Personal profile
1 Name Dr. Subhash D’souza
2 Address Bhuigaon,Vatsalya,Tal.P.O.-Vasai,Dist-Palghar-
401201,Maharashtra .
3 Date of Birth 7th November 1969
4 Academic Qualification Awarded PhD from Pune University on , ‘Achieving
Rural development through Financial Inclusiveness
policies -A participatory role of rural cooperatives from
Vasai Taluka’ , in February 2014.

2. Passed M.Phil from YCMOU in May 2009 with 1st class.
Passed M.Com with 1st class in the subject of,
‘Industrial and Business Administration’ from Shivaji
University in December 1993.
5 Experience Asst. Professor in St. Joseph College since July1997.
Ph D guide of Mumbai University since May 2015 .
In charge Principal of the St. Joseph college from 1st
Oct. 2013 to 8th June 2014.
Editor of college magazine, ‘The Josephites’ for 14
years.
Worked as Examiner, Moderator, Chairman of Paper
Setter committee, Chairman of Vigilance Squad for
examinations of University of Mumbai.
6 Book Published
ResearchArticles Published
Pradhan Mantri Jan Dhan Yojana: Comprehensive
Financial inclusion plan ( ISBN 978-81-930752-0-3 )
Financial Education: Needof the hour
Article, ‘A Pradhan Mantri Jan Dhan Yojna : A piling to
overcome financial Untouchability ’ ,was published in
March 2015 in ISSN journal , (ISSN 2277-9302 )
Article, ‘A Pradhan Mantri Jan Dhan Yojna : A ray of

3. hope for financially excluded people ’ ,was published in
January 2015 in ISSN journal (ISSN 2277-9329 )
Article, ‘Pradhan Mantri Jan Dhan Yojna and its impact
on poor people from India ’ , was published in December
2014 in ISSN journal (ISSN 2249-7463)
Article, ‘Inclusive Polices :An instrument of Economic
and social change in developing countries ’ , was
published in November 2014 in ISSN journal (ISSN
2277-9310)
Article, ‘Applicability of Grameen Bank model in
poverty Eradication from India ’ , was published in
November 2014 in ISSN Journal (ISSN 2277-9310)
Article, ‘Improving rural living through Financial
measures ’ , was published in November 2014 in ISSN
Journal (ISSN 2277-9310)
Article, ‘Financial exclusion and Pradhan Mantri Jan
Dhan Yojana ’ , was published in November 2014 in
ISSN Journal (ISSN 2277-9310)
Article, ‘Significance of Financial Inclusion in Indian
Context ’ , was published in August 2014 in ISSN
journal (ISSN 2348-1641)
Article, ‘Role of rural cooperatives in poverty
eradication’, was published in July 2014 in ISSN
journal (ISSN 2277-9329)

4. Article, ‘Financial Inclusion and Financial Literacy’, was
published in June 2014 in ISSN journal (ISSN 2348-
1633)
Article, ‘Challenges to Equity and Opportunity in
Higher Education’, was published in February 2014 in
ISSN journal (ISSN 2277-5838)
Article, ‘Developments in the role of Private and
Public sectors ’, was published in February 2014 in
ISSN journal (ISSN 2277-5838)
Article , ‘ Consumerism: Opportunities and challenges in
India’ was published in ISBN book( ISBN:978-93-
83993-03-1) in January 2014 .
Article , ‘Consumer and Consumerism’ was published in
ISBN book( ISBN:978-93-83993-03-1) in January 2014
Article, ‘Achieving Rural development through
Financial Inclusiveness policies: A study of participatory
role of rural cooperatives in India ’ ,was published in
June 2013 in ISSN journal (ISSN 2277-9310)
Article, ‘A study of relationship between Financial
Inclusion and development Index’ ,was published in June
2013 in ISSN journal (ISSN 2249-7463)
Article, ‘Achieving Rural development through Financial
Inclusiveness policies: A study of participatory role of

5. rural cooperatives in Vasai Taluka ’ ,was published in
June 2013 in ISSN journal (ISSN 2277-9302 )
Article ‘WTO and Globalization –Its impact on Indian
Economy’ was published in ISBN magazine .
7 ResearchPaper presentation
/ Resource Person
Presented Research paper in the International Conference
organized by IJAS in Rome, on the topic , ‘Application
of Grameen Bank model in developing countries’ on 19th
Oct 2015 .
Presented Research paper in the International Conference
organized by INAAR on, ‘Pradhan Mantri Jan Dhan
Yojana : A piling to overcome Financial Untouchability’,
on 28th and 29th March 2015 .
Presented paper on ,‘ Pradhan Mantri Jan Dhan Yojana
and its impact on poor people from India ’ in the 35th
World Management Congress organized jointly by Indira
Gandhi Technical and Medical Sciences University ,Ziro
and Institute of Asian Studies on 28th and 29th Dec.2014
Presented paper on , ‘Financial Inclusion and eradication
of poverty’ and Chaired Technical session in the
International Conference organized by IJAS at Freiburg
,Germany from on 2nd to 5th Dec. 2014 .
Presented paper on ‘ Pradhan Mantri Jan Dhan Yojana
and poverty alleviation ’in International conference
organized jointly by IGCCIA, on 11th Oct.2014 .

6. Presented paper in the International Conference on,
‘Achieving rural development: A study of participatory
role of rural cooperatives in India ’ , on 25th May 2013
at MCCIA , Pune
Presented paper in the Regional Conference sponsored
by ICSSR on the topic of , ‘Financial Education and
IRDP ’ , on 28th February 2013 .
Resource person in the Two-Day State level Seminar on ,
‘Impact of Globalization on Rural Economy in India in
the present Scenario’ , sponsored by UGC on 25th and
26th September 2012.
Presented paper on, ‘Strategic management of Banking
and Financial sector in Global scenario: Challenges’, in
the International conference organized by Mumbai
University on 23rd and 24th February 2012.
Presented paper in the 5th Doctoral Conference organized
by IBS ,Hyderabad on, ‘Achieving rural development
through financial inclusiveness policies’ on 2nd and 3rd
April 2012.
Presented paper in the National Conference sponsored by
UGC in St. Joseph College on , ‘Financial Inclusion-
Need of the hour’ ,on 25th November 2011.
Presented paper in the National Convention of Research
scholars and Teachers at DCRC , University of Pune on
, ‘Role of Financial Inclusiveness policies in Rural

7. Development ’ on 19th March 2011.
Presented paper in the UGC sponsored National
Conference on , ‘Micro-finance: A powerful tool for
upliftment of bottom class people ’ , on 22nd February
2011at Pragati College.
Presented paper in the International Conference in
Nagindas Khandwala College on, ‘Contemporary
scenario in higher Education: Employability and
Challenges’ on 29th Jan .2011
Presented paper on ‘Impact of Globalization on Rural
Marketing’ , in the SESQUI-CENTENNIAL
CELEBRATION ACADEMIC PROGRAMME of
Mumbai University.
8 Researchexperience Received ‘ PUKAR’ , a Youth Research Fellowship
by TATA, in the 2005-2006.
Completed Minor research sponsored by Mumbai
University in the year 2010 and Minor research
sponsored by UGC in June 2014.
9 Extra-curricular activities Involved in various social activities such as visiting home
for the aged, Orphanages, Jails, Remand homes, Leprosy
Centers etc.