Tag Search: “financial inclusion”
The benefits of microfinance are in the details. This column takes a look at lending by commercial banks in India to self-help groups – smaller, informal community-based groups – as a new and successf...
In this article, Pranab Bardhan, Professor of Graduate School at the Department of Economics, University of California, Berkeley, provides his perspective on the performance of the Modi government in ...
- Pranab Bardhan
- 11 May, 2016
Private health insurance covering tertiary diseases is limited to the upper middle class in India. One reason for low take-up of publicly-financed health insurance among economically weaker sections i...
- Tarun Jain
- 12 April, 2016
A World Bank survey reveals that while about half of all individuals in India had bank accounts in 2014, only 12% had made a cashless transaction in the past year. In this article, Bappaditya Mukhopa...
- Bappaditya Mukhopadhyay
- 06 April, 2016
In developing countries there are often limited formal sources of information about programme benefits or how to access them. Social networks might influence adoption by providing more programme infor...
- Tarun Jain
- 31 March, 2016
- IGC Research on India
Recent findings in development economics indicate that microloans are likely to perform best when accompanied by financial education, insurance, and savings products. This column presents evidence fro...
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 ...
- Ruchira Bhattamishra
- 06 January, 2016
Conventional wisdom suggests that access to financial services such as banks and bond markets, providing savings and borrowing instruments, allows smoothing consumption over lifetime, irrespective of...
Policy initiatives of JAM (Jan Dhan Yojana, Aadhaar, Mobile numbers) trinity and direct benefit transfer focus on unclogging the supply of benefits under welfare schemes by reducing payment leakages....
The Finance Ministry is proposing to roll all subsidies into a single, lump-sum cash transfer to households, on the back of the JAM (Jan Dhan Yojana, Aadhaar, Mobile numbers) trinity. In this article,...
- Jean Drèze
- 13 November, 2015
The output of Kharif crops is estimated to decrease by about 2% this year due to deficient monsoon rains in some Indian states. How responsive are commercial banks to a credit demand shock in rural I...
- Sankar De
- 05 October, 2015
While a lot of funding goes towards community-driven development projects, rigorous evidence on their socioeconomic impact is limited. This column evaluates the impact of JEEViKA – a rural livelihood...
- Upamanyu Datta
- 11 September, 2015