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Tag Search: “financial inclusion”

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...

  • Perspectives

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, ...

  • Perspectives

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...

  • Articles

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...

  • Articles

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...

  • Articles

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...

  • Perspectives

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...

  • Perspectives

Covid-19: How well are government schemes supporting Bihar’s vulnerable populations?

The immediate adverse impact of the Covid-19 pandemic and associated lockdown was visibly greater for migrant workers and their households, whose ability to access government schemes in their villages...

  • Notes from the Field

‘Bad bank’: A good idea in bad times

Commenting on the ‘bad bank’ proposal of the 2021-22 Union Budget, K Srinivasa Rao contends that the bad bank is a good idea in bad times – as a transitory solution with defined timelines – but it can...

  • Perspectives

International Women’s Day 2021

8 March is observed across the world as International Women’s Day. This year the theme is “choose to challenge”, focussing on the choice to challenge gender bias and inequality, celebrate women's achi...

  • Perspectives

The Indian economy and policymaking: Towards ‘openness’

Providing his perspective on the recent policy paper by Subramanian and Felman, Nirvikar Singh contends that more emphasis is needed on financial reforms and innovation, addressing India’s export slow...

  • Perspectives

Improving farmers’ income: Learnings from a survey in Jharkhand

To work towards the central government’s goal of doubling farmers’ incomes by 2022, the state government of Jharkhand initiated the ‘Jharkhand Opportunities for Harnessing Rural Growth’ project in 201...

  • Notes from the Field