Tag Search: “financial inclusion”

Financial inclusion of women: Myth or reality?

Research indicates that initiatives targeted at financial inclusion of women have had limited success. This column contends that limited formal ownership of material assets by women and a lack of und...

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Can MNREGA improve credit worthiness of participating households?

Based on household survey data from West Bengal, this column analyses the impact of MNREGA on economic outcomes of participating households. It finds that the ‘local’, ‘guaranteed’ and ‘government-re...

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How innovations in telecom can promote inclusive growth

Applications of Information and Communications Technology, such as mobile banking, have potential to promote inclusive growth and equity. This column analyses conditions under which innovations in IC...

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Estimating losses to consumers due to mis-sold life insurance policies

Mis-selling of financial products has prompted regulators in India to work on consumer protection in financial markets. However, evidence on actual mechanisms and extent of mis-selling is lacking. Th...

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Changing dynamics of the Indian gold market

The demand for gold and its import have been on the rise in India, despite rising gold prices. The RBI has responded by introducing various measures to curb the demand for gold and gold loans. This co...

  • Post Date Icon13 January, 2014
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Migrating out of poverty: The role of finance

Financial liberalisation has been controversial as it is not clear whom the expanded credit allocation actually benefits. Using variation across time and states in India, this column finds strong evid...

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Willingness to pay for index-based crop microinsurance in India

Given the significance of the agricultural sector in India and its vulnerability, an adequate and sustainable risk management system is critical. However, uptake of microinsurance is quite low. This c...

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Saving Behaviour in India: Understanding the differences across castes

The past three decades in India have witnessed a sharp reduction in the historically large gaps in the education levels, occupation choices and wages of the backward castes relative to the rest of the...

  • IGC Research on India

Helping the poor to save

Do poor people save? This column portrays the saving and financial behaviours and preferences of the poor. It recommends designing and marketing savings products that address the constraints they curr...

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Formally insuring the informally insured

Rainfall is critical for the livelihoods of millions of Indians – yet many have no formal insurance if the rains fail. This column looks at what happens when a new formal insurance policy based on the...

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Microfinance and predatory lending: The same old story?

Once hailed as a near-miraculous way of lending money to the poor, microfinance is now often seen as exploitation – and governments are stepping in. This column looks at another point in India’s histo...

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The value of land administration information for financial development

While the effect of improved property rights on economic development has been extensively studied, the specific relationship between better land administration information and improved credit access i...

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