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Faculty Directory Dr. Suchismita Paul
Dr. Suchismita Paul

Dr. Suchismita Paul

Associate Professor

[email protected]
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Academic Information

  1. Ph.D. in Commerce from the University of North Bengal awarded in May 2025. The title of the thesis is "Policyholders’ Perspectives of Private Health Insurance in India: An Empirical Study."
  2. M.Com. (specialization in Accounting and Finance) from the University of North Bengal in 2016 and awarded the university silver medal for securing first class second position.
  3. B.Com. (Honours in Accounting) from the University of North Bengal in 2014 and awarded the university gold medal for securing first class first position.
  4. Qualified for the UGC-NET Examination in Jan 2017 and also qualified for UGC NET (JRF) in July 2019.
  5. After working as an assistant professor of Commerce in Gyan Jyoti College, Dagapur, Siliguri, for around 2 years and 4 months (1.8.2017 to 9.12.2019), I have joined as a research fellow (NET-JRF) at the University of North Bengal to pursue a full-time Ph.D. (10.12.2019 to 9.12.2024).
  6. Worked as a visiting faculty member in Inspiria Knowledge Campus in the dept. of BBA-ATA (21.8.2025-13.11.2025), and on 5th January 2026, I joined IEM Kolkata as a faculty member.

Research Areas

Healthcare Insurance INSURETECH Finance Finance Financial Inclusion Banking General Management

Research Interests

My research interests lie at the intersection of accounting, finance, and insurance, with a particular focus on health insurance systems and their financial sustainability. I am interested in examining risk management, insurance penetration, and the role of financial reporting and regulation in strengthening the insurance sector. In the area of health insurance, my work explores issues such as accessibility, affordability, claims management, and the economic impact of public and private health insurance models. I aim to contribute to policy-oriented research that improves efficiency and inclusivity in healthcare financing. Additionally, I am keenly engaged with emerging trends in finance research, including fintech innovations, digital financial services, sustainable finance, behavioral finance, and data-driven decision-making. I am particularly interested in how these evolving trends reshape traditional financial systems, influence insurance markets, and create new opportunities for research and practice.

Courses Taught

Financial Accounting, Corporate & Advanced Accounting, Financial Management, Cost & Management Accounting, Entrepreneurship, and Business Communication.

Positions Held

Currently working as an associate professor in the BBA department of the institute.

Publications

    1. Paul, S. (2021). Implementation of Technology in Health Insurance Business in India: A Critical Assessment. Anweshan-Journal of the Department of Commerce, University of North Bengal. Vol. 7, No. 1. March 2021. ISSN: 2321-0370.
    1. Paul, S., & Sarkar, S. (2023). Factors Affecting the Purchase Decision of Private Health Insurance Policy by the Middle-Income Group in West Bengal—A Logistic Regression Approach. The Journal of Insurance Institute of India, 10. April-June Issue, 2023. ISSN: 2278-6759. Co-author: Dr. Soumitra Sarkar.
    2. Paul, S., & Sarkar, S. (2023). Health Insurance Business in India: Progress, Issues, and Way Forward. Journal of Health Management, 25(4), 874-882. ISSN: 0972-0634. Sage Publications. Co-author: Dr. Soumitra Sarkar.
    3. Chapter in an edited book: The Impact of Social Media Influencers on Human Consumption Behavior (2024): An Empirical Study. Co-author: Dr. Soumitra Sarkar
      Title of the book: Finance and Human Resource Management, Publisher: Mittal Publications, New Delhi (India), ISBN: 978-93-5999-634-9.