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S. K. Ritadhi
Ritadhi is an Assistant Professor of economics at Ashoka University. His primary research interests are in development economics and political economy, and his current research focuses on the intersection of development and finance. His most recent paper shows how unconventional banking regulations aimed at curbing lenders' discretionary powers complement bankruptcy reforms in eliminating insolvent borrowers from the banking system. His ongoing research studies whether financial institutions ease access to finance for informal enterprises and marginalised citizens. During his dissertation, he studied the socioeconomic impacts of political representation on historically marginalised caste groups in India through select political parties. Prior to joining Ashoka University, Ritadhi worked as a research economist at the Reserve Bank of India (RBI) between 2017 and 2020. He received his Ph.D. from the Department of Agricultural and Resource Economics at the University of California, Berkeley in 2017.
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ऋण बाज़ार में सकारात्मक कार्रवाई : क्या इससे अल्पसंख्यक कल्याण में बढ़ोतरी होती है?
धार्मिक अल्पसंख्यकों के कल्याण में सुधार के लिए भारत सरकार के कार्यक्रम के एक भाग के रूप में, वर्ष 2009 में वाणिज्यिक बैंकों को इन समूहों को दिए जाने वाले ऋण बढ़ाने के निर्देश दिए। यह लेख दर्शाता है कि इस नीति के कारण लक्षित क्षेत्रों में धार्मिक अल्पसंख्यकों की बैंक ऋण तक पहुँच में वृद्धि हुई है। इससे अल्पसंख्यकों और ग़ैर-अल्पसंख्यकों के बीच उपभोग की खाई कम हुई है, जबकि ग़ैर-अल्पसंख्यकों पर कोई प्रतिकूल प्रभाव नहीं पड़ा।
Affirmative action in credit markets: Can it enhance minorities’ welfare?
In 2009, as part of a Government of India programme to improve the welfare of religious minorities, commercial banks were directed to increase credit to these groups. This article finds that the policy led to an increase in access to bank credit among religious minorities in the targeted areas. This in turn reduced the consumption gap between non-minorities and minorities, without any adverse welfare effects on the latter group.