Author: P Koshy

Dr. Perumal Koshy writes on economic transitions, small enterprise ecosystems, and development policy, with a focus on inclusive entrepreneurship and systemic change. His work draws from a background in Area Studies and SME research, with writings published in UN Today, Financial Express, Indian Express, and ERENET Journal. He serves as Editor of Global SME News and leads strategic initiatives at The Enterprise Institute and the Enterprise Futures Lab, where he works at the intersection of enterprise, policy, and knowledge systems. Through TDW Publishing, he supports independent voices and enterprise scholarship across the Global South. Linkedin: https://www.linkedin.com/in/caushie/ Twitter: https://twitter.com/pkoshyin

Closing the Last Financial Window? RBI’s Gold Loan Norms Risk Reviving Informal Lending in India

26 June 202526 June 2025 P Koshy No Comments

When Emergency Credit Becomes a Casualty of Regulation!!!A probable political backlash could emerge as millions of low-income and rural families—struggling to access emergency funds—perceive the new RBI gold loan norms as a government-endorsed closure of their last legal credit lifeline, especially in an election-sensitive climate.While the RBI is constitutionally independent and rightly so, monetary policy…

FEATURED, Finance, Opinion, Politics

Smart Mobility Surge: Automotive Electronics Market to Reach USD 455 Billion by 2032

18 June 202518 June 2025 P Koshy No Comments

The global automotive electronics market is entering a dynamic new era, with projections indicating a leap from USD 255 billion in 2023 to approximately USD 455 billion by 2032. This robust expansion, as reported by DataIntelo, is underpinned by a 6.5% compound annual growth rate (CAGR) and signals significant opportunities for SMEs and startups in…

Business, Manufacturing, Reports

What Lies Between Success and Failure for Start-up Ventures?

12 June 202512 June 2025 P Koshy No Comments

The line between success and failure for entrepreneurs—particularly startup founders—is often blurred. It’s not capital, visibility, or even a brilliant idea that determines longevity. It’s character. Values. And the ability to remain grounded when success tempts ego and shortcuts. Generational family-run businesses offer valuable lessons here. Many operate within a disciplined framework honed over decades—sometimes…

Business, FEATURED, SMEs, Startups, Sustainable Development, TOP STORIES

Why BRICS Nations Are the Real Advanced Economies Today

3 June 20259 June 2025 P Koshy No Comments

For decades, global development discourse has relied on outdated binaries—“developed” and “developing”—shaped by the post-World War II institutional architecture and Cold War geopolitics. The transatlantic powers of North America and Western Europe have long assumed the role of global standard-bearers of development. However, a closer look at present-day realities reveals a different story. On key…

FEATURED, innovation, Leadership, Manufacturing, Opinion, Politics, SMEs, start-up, Startups, Strategy, TOP STORIES, Uncategorised

Transforming Youth for the Digital Economy: GUVI and Tamil Nadu Join Forces Under Naan Mudhalvan

24 May 20253 June 2025 P Koshy No Comments

Chennai, 23 May 2025 — In a major step toward bridging the digital skills gap among youth, GUVI, the IIT-Madras and IIM-Ahmedabad-incubated EdTech company, has partnered with the Government of Tamil Nadu to upskill 5,555 students under the ambitious Naan Mudhalvan scheme. This collaborative initiative, launched in association with the Tamil Nadu Skill Development Corporation…

FEATURED, Human Capital, News, TOP STORIES

Tariffs Won’t Make America Great Again

18 April 202518 April 2025 P Koshy No Comments

Over the past few decades, globalization has driven nations toward deeper interdependence—through trade and investment and the seamless flow of information and IT enabled services. However, the current wave of tariffs imposed on China by the United States signals a pivotal shift. We may be entering a new phase in the global economic order. The…

FEATURED, TOP STORIES, Trade

Why Free Trade Agreements Should Address Labor Market Disparities

1 March 20251 March 2025 P Koshy No Comments

Free Trade Agreements (FTAs) fuel economic growth by cutting tariffs and opening markets, yet they miss a critical inefficiency: labor market disparities tied to racial or ethnic factors that sap productivity and growth. Trade isn’t just goods—it’s the workers powering innovation and supply chains. When hiring biases and wage gaps limit talent based on demographics, economies lose billions—up to 4% of GDP in advanced nations, per the IMF. FTAs, designed to maximize prosperity, can’t ignore this drag. Adjusting them to address these gaps could unlock significant gains in efficiency and output.

FEATURED, Free Trade, Human Capital, Opinion

UK-India Free Trade Agreement: A Vital Imperative for Britain’s Economic Future

27 February 202528 February 2025 P Koshy No Comments

The United Kingdom and India are on the verge of finalizing a long-negotiated Free Trade Agreement (FTA), a deal that could redefine their economic partnership. While both nations stand to gain, Britain—more than India—is in urgent need of this agreement. In a post-Brexit landscape marked by sluggish growth and deteriorating trade ties with the European…

FEATURED, Free Trade, Opinion, TOP STORIES, Trade

The Biggest Global Economic Shift in a Century is Happening NOW!

23 February 202525 February 2025 P Koshy No Comments

The transatlantic alliance is no longer the pillar of global economic power. Once dominant, it now struggles with stagnation, while emerging economies reshape trade, finance, and diplomacy in a multipolar world. For decades, the world was defined by the economic and geopolitical dominance of the United States and Western Europe. Today, that order is unraveling….

FEATURED, Opinion, Politics, TOP STORIES

AI as the New Invisible Hand: Can Algorithms Create the Ultimate Free Market?

5 February 202511 February 2025 P Koshy No Comments

For centuries, economic systems have depended on human decision-making, regulatory institutions, and ideological frameworks to manage resource allocation, production, and distribution. Capitalism uses market forces, socialism depends on planning, and mixed economies attempt a balance. But a new paradigm is emerging—AI-driven economic governance—where supercomputers and real-time data analytics play a central role in optimizing efficiency,…

AI, Data, FEATURED, Opinion, Technology, TOP STORIES