Author: Perumal Koshy

Dr. Perumal Koshy is associated with the Enterprise Futures Lab and is a columnist focused on institutional governance and economic systems. He writes on MSMEs, enterprise development, and policy issues affecting small business ecosystems. Linkedin: https://www.linkedin.com/in/caushie/

What Startups Can Learn from Family Businesses—And Vice Versa

31 July 202531 July 2025 Perumal Koshy No Comments

Why Startups Aren’t the Only Face of Entrepreneurship Startups drive innovation, but family businesses and traditional SMEs build resilience, trust, and long-term value. Understanding how these models complement each other is key to redefining entrepreneurship for real-world impact and sustainable economic growth. The global fascination with startups—high-growth ventures chasing billion-dollar valuations—has reshaped how we view…

FEATURED, Opinion, SMEs, start-up, Startups, TOP STORIES

Cyber Insurance: A Critical Shield for SMEs in 2025 and Beyond

28 July 202528 July 2025 Perumal Koshy No Comments

Cybersecurity insurance offers vital financial protection for SMEs, covering losses from business interruptions, regulatory fines, legal costs, and reputational damage. In today’s threat-heavy digital landscape, it’s not a backup plan — it’s a critical pillar of enterprise risk management. In today’s hyperconnected economy, cyber threats have moved beyond the domain of large corporations to become…

Business, Cyber Security, Data, Data Privacy, Technology, TOP STORIES

Why the Old HR Model No Longer Works

9 July 20259 July 2025 Perumal Koshy No Comments

In today’s rapidly evolving workplace, one fundamental question is rarely asked aloud but deeply felt across boardrooms and break rooms alike:Is Human Resources as we know it dying? The short answer is: yes—and it should be. Traditional HR, with its roots in industrial-era management, is increasingly out of place in modern organizations. Once the gatekeepers…

Business, Human Capital, Leadership, Opinion

Your CV Is Not Their Commodity: Rethinking Digital Hiring Ethics

7 July 20257 July 2025 Perumal Koshy No Comments

Your Privacy Is Not a Price Tag Governments must act decisively to protect worker data in the digital age. This means enacting dedicated labour data protection laws that go beyond general privacy frameworks. These laws must regulate how CVs, employment histories, and personal identifiers are collected, stored, shared, and deleted. In today’s digital hiring economy,…

Business, FEATURED, Human Capital, Opinion, TOP STORIES

Beware of Ghost Jobs: Why Fake Job Postings Are an Ethical Crisis

5 July 20255 July 2025 Perumal Koshy No Comments

Sensitive data from CVs—combined with social media profiles—can enable phishing, fraud, identity theft, or even professional blackmail.

Cyber Security, Data, Data Privacy, Digital Talent, Doing business, Human Capital, News, Opinion, workers

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

26 June 202526 June 2025 Perumal 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 Perumal 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 Perumal 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 Perumal 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 Perumal 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