Tag Search: “financial inclusion”
How do disclosures affect financial choices? The case of life insurance in India
Given the importance of insurance, and the regulatory push towards improved disclosures.
-
Renuka Sane
Ajay Shah
30 June, 2016
- IGC Research on India
Socially disadvantaged groups and microfinance in India
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...
-
Jean-Marie Baland
Rohini Somanathan
Lore Vandewalle
16 May, 2016
- Perspectives
The first two years of Modi government
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
- Perspectives
Public health insurance for tertiary diseases: Lessons from Andhra's Aarogyasri programme
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
- Articles
Achieving financial inclusion: Going cashless
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
- Perspectives
Social influences and public health insurance utilisation
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
How doorstep banking increased savings and income in Sri Lanka
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...
-
Michael Callen
Suresh de Mel
Craig McIntosh
Christopher Woodruff
30 March, 2016
- Articles
Financial inclusion for the poor: Using RCTs for effective programme design
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
- Perspectives
When higher volatility is good news
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...
-
Rudrani Bhattacharya
Ila Patnaik
16 December, 2015
- Articles
Beyond leaky pipes: Fixing enrolment systems of welfare schemes
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....
-
Shrayana Bhattacharya
Soumya Kapoor Mehta
Rinku Murgai
09 December, 2015
- Articles
JAM and the pursuit of nirvana
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
- Perspectives
Are banks responsive to credit demand shocks in rural India?
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
- Articles