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Ruchira Bhattamishra
Ruchira Bhattamishra is an independent researcher based in the USA. She received a Ph.D. in Economics from Cornell University, a M.Sc. in Politics of the World Economy from the London School of Economics and Political Science, and a B.A. from Bryn Mawr College. Her research interests include the economic development of indigenous populations, food security and distress migration in Odisha, evaluation of economic development programmes, and how behavioural economics can inform development policy.
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Financial inclusion for the poor: Using RCTs for effective programme design
While the Pradhan Mantri Jan Dhan Yojana – the Indian government’s flagship financial inclusion scheme - is impressive in its mission, it does not seem to have achieved meaningful results so far. In this article, Ruchira Bhattamishra, Senior Fellow at the Centre for Development Research, Sustainability and Technical Advancement, makes a case for the use of the Randomised Controlled Trial methodology for impact evaluation to gather credible evidence on the effectiveness of pilot financial programmes/particular components of programmes, before the government invests heavily in scaling them up.
