Simtiha Ishaq Mir is a full-time senior research fellow at the Department of Management Studies at the University of Kashmir. She has completed her Integrated Masters in Business Administration from the same department, and qualified for JKSET and UGC-JRF. She has approximately 2 yearsβ experience working with the Jammu and Kashmir Bank in loans/advances and KYC/AML. Her research interests include household and corporate debt, econometrics, stock market crashes, and economic crises.