Raminder Luther

Dr. Luther joined Salem State in 1998 and is currently the Interim Dean of the Bertolon School of Business. Prior to her current position, she was a member of the faculty in the department of Accounting and Finance where she taught multiple undergraduate and graduate-level finance courses and was the recipient of the McNamara Award for Excellence in teaching. During her tenure at SSU, she has served as the graduate program coordinator, chaired over ten faculty-led committees, including the School of Business Steering Committee, and has been an active member of the university's tenure, promotion, and budget committees.

 Dr. Luther’s research interests center on the societal impacts of financial distress, individual investment strategies, healthcare finance, and financial pedagogy. She has presented her research at national and international conferences and has been the recipient of multiple peer-reviewed scholarly awards. Her seminal papers on the financial difficulties faced by enlisted members in the U.S. Department of the Navy have also been widely quoted in the press and in works published by the Federal Reserve.

 Dr. Luther holds a Ph.D. in Finance from the University of Mississippi, an MBA in Marketing from University of Delhi, and a BS in Electrical Engineering from Panjab University. She is a Certified Financial Planner and an active member in her community where she serves on the boards of multiple non-profit organizations and provides her services as a pro-bono financial planner. 

Administrative: Act as a strategist and steward of resources, a catalyst of change, and a cultivator of best practices 

Teaching: International Finance, Principles of Finance, Investment Planning, Retirement Planning, Finance Seminar

Research: Healthcare Finance, Personal Financial Planning, Retirement Choices, Education Finance, Finance Cases, Pedagogy

Other: Certified Financial Planner* Professional

Luther,R. Coleman L.J., Kelkar,M.,Foudray,G. (June 2018). Generational Differences in Perceptions of Financial Planners. Journal of Financial Services Marketing23(4), DOI:10.1057/s41264-018-0046-9.

Kudrimoti,S., Luther,R., Jain,S.(July 2018). Decision Time for ACEES Group LLC: To Buy or To Lease? The Case Journal Vol.14(4), pp 1-34. DOI: 10.1108/TCJ-06-2017-0052

Luther,R., Pan, Y.,(July 2015)Effect of Massachusetts healthcare reform on financial performance of healthcare providers: Panel data analysis, 12th International Conference on Service Systems and Service Management (ICSSSM), IEEE, DOI:10.1109/ICSSSM.2015.7170177

Coleman, L., Wu, P., Luther, R., Hair-brained or great-hair business? Assessing alternative markets and product-service designs for successful startups by small-retail entrepreneurs.  Journal of Business Research, Vol. 67(6), 2014, pp 1136-44.

Luther, R., Lam, M.. The offer price. The Case Journal, Vol. 8(2), 2012, pp 75-89.

Luther, R. (1999) “Financial management difficulties.   A chapter in Pathways to the Future: A Review of Military Family Research, 1999: pp 269-283

Luther, Raminder K. An artificial neural network approach to predicting the outcome of chapter 11 bankruptcy. Journal of Business and Economic Studies,4(1) 1998,pp 57-73,

Luther, R. Garman, T. Leech, I. "Employer's Cost of Employees' Personal Financial Management Difficulties", Personal Finances and Worker Productivity, 2(1), 1998, pp 175-182.

Luther, R (2018). Impact of Team work in Finance Course on Dimensions of Instruction Evaluation. Financial Education Association Conference SanAntonio, Texas.

Luther, R., Pan, Y. (2015). The effect of Massachusetts health reform on financial performance of healthcare providers: Panel data analysis. International Conference on Service Systems and Service Management, China.

Luther, R., Lam, M. (2011). The Munroe school building: an asset or a liability, North American Case Research Association, San Antonio.

Luther, R., Kudrimoti, S. (2010). "Reversing Course from Defined Contribution to Defined Benefit Plans - An Analysis of Retirement Plan Choice Among Faculty", Academy of Financial Services National Conference.

Luther, R. (2007). Sector exchange traded funds – does the brand name matter? Northeast Business and Economics Association Meetings.

Jain, S., Luther, R. (2000). Matrix prices vs. exchange prices: a study of investment restrictions, bond rating changes and bond market efficiency. Financial Management Association Annual Meeting, Seattle, WA.

Luther, R. (1998). The importance of multiple samples in prediction models. Midwest Finance Association Meetings, Chicago, Illinois.

Civic Awareness and Engagement, Cultural Involvement