Tag Search: “financial inclusion”
Credit cooperatives: Promoting worker well-being during crises?
Research shows that access to alternative credit mechanisms during the pandemic enabled informal women workers to gain financial security, benefitting their mental well-being in the process. Based on ...
- Devika Oberai
- 06 January, 2023
The low productivity trap of collateralised lending for MSMEs
The share of bank credit extended to MSMEs increased dramatically during the pan-demic. In this post, Harsh Vardhan discusses the the government guarantee of bank loans as a possible driver of this gr...
- Harsh Vardhan
- 07 October, 2022
The 10,000 FPOs scheme ignores women farmers
In this piece, Shilpa Vasavada puts forth her concern that if we don’t revisit the new Farmer Producer Organisations (FPO) guidelines with a gender lens, women in the agriculture sector will be left b...
- Shilpa Vasavada
- 04 October, 2022
The future of old times
India needs to plan for a radical expansion of public support for the elderly. In this piece, Drèze and Duflo argue that near-universal social security pensions would be a good start. Elderly persons,...
- Jean Drèze Esther Duflo
- 26 September, 2022
How financial access impacts women’s decision-making role in households
Government programmes which grant women access to financial support often provide assistance which is too small to significantly impact women’s economic position within the household. This article use...
- Anjini Kochar C. S. Nagabhusana Ritwik Sarkar Rohan Shah Geeta Singh
- 31 August, 2022
Accumulation of household debt in India: Repercussions for economic recovery
The Covid-19 crisis and the subsequent recession has brought about a shift in financial savings; households have cut back on consumption and reduced their demand for credit, and banks tightened lendin...
- Isha Gupta
- 18 July, 2022
Addressing the economic trade-offs of interlinkages in contemporary agrarian markets
Agrarian markets often see interlinked market transactions – the arhatiya deals with the farmer in both the crop market as a commission agent, and in the credit market as a moneylender. In this post, ...
- Ritika Bansal Anshuman Kamila Sandeep Kumar
- 06 June, 2022
Can access to finance spur entrepreneurship in Indian informal sector?
Credit constraints, a consequence of the widespread failure of credit markets in developing countries, are widely regarded as a key constraint to entrepreneurship. Using 2010-11 and 2015-16 National S...
- Ira N. Gang Rajesh Raj S.N. Kunal Sen
- 12 May, 2022
Consumption smoothing and household savings: Role of demographics and durables
Canonical predictions of life-cycle models indicate that households will smooth consumption over their lifetimes. Conversely, empirical data from high-income countries have shown that consumption cont...
- Neha Bairoliya Areendam Chanda
- 25 April, 2022
Caste inequalities within socio-religious groups: Evidence from Uttar Pradesh
The Mandal Commission and Sachar Committee reports, among others, have indicated the existence of caste inequalities within the four major caste groups. However, data on this subject remain limited. U...
- Srinivas Goli Chhavi Tiwari
- 20 April, 2022
Thinking about financial sector reforms in India
A key element of the economy that needs to function well in order to facilitate India’s strong and sustained recovery from the pandemic is the financial system. In this post, Sengupta and Vardhan dis...
- Rajeswari Sengupta Harsh Vardhan
- 15 November, 2021
Strengthening risk-management capabilities in the financial sector
Non-banking financial companies are rapidly inundating the financial intermediation space. While this trend has enabled greater autonomy in operations and business diversification, it has also accentu...
- K. Srinivasa Rao
- 07 June, 2021