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Somdutta Basu
Somdutta Basu, is a Fellow at the Center for Economic Analysis at the Public Company Accounting Oversight Board (PCAOB), Washington D.C. Her research interest lies in the fields of reputation models, auditing, disclosure regulation, information transparency, and microfinance.
She earned her B.S. with Honors in Economics from Presidency College, University of Calcutta, India, and her M.S. in Quantitative Economics from the Indian Statistical Institute, Kolkata. She received her Ph.D. in Economics from The Pennsylvania State University.
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Informal Insurance under Group Lending with Individual Liability
This study aims to provide empirical support to the hypothesis that informal insurance plays an important role in the context of group lending under individual liability, and to evaluate the impact of informal insurance on repayment rates.
Emergence of Bandhan as a bank: A new era in the Indian banking industry
At a time when the Indian banking industry is experiencing a steep rise in bad loans, Bandhan – an MFI with a near 100% loan recovery rate – has converted into a bank. Based on a survey of 112 Bandhan clients in West Bengal, this column highlights the features of Bandhan’s lending model that have enabled it to keep its bad loans at negligible levels.