MUMBAI, India, July 13 -- Intellectual Property India has published a patent application (202641083703 A) filed by Md Shaik Amzad Basha on July 08, 2026, for A Method For Constructing And Applying A Financial Resilience Index For Evaluating The Crisis Resilience Of Business Entities Using Profitability, Liquidity, And Leverage Indicators.
Inventors include Vibha Shree R; M Martha Sucharitha; and Md Shaik Amzad Basha.
The application for the patent was published on July 10, 2026, under issue no. 28/2026.
Abstract: A method is disclosed for evaluating the financial resilience of a business entity by computing earnings, liquidity, leverage, and adaptive-strategy indicators from financial statement data, normalizing said indicators using a standard score transformation, applying a directional adjustment based on the favorable or unfavorable character of each indicator, and aggregating the directionally adjusted indicators into a single composite Financial Resilience Index by simple averaging or principal component analysis. The method further comprises classifying time periods into pre-crisis, during-crisis, and post-crisis phases and evaluating the composite index and its constituent indicators against said phase classification using a panel data regression model with entity-specific fixed or random effects, the choice of specification being determined by a Hausman test. The invention provides a unified, reproducible measure of entity-level resilience to macroeconomic disruption, applicable across firms and time periods
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