Tag Search: “financial inclusion”
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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Monika Halan
Renuka Sane
Susan Thomas
19 February, 2014
- Articles
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...
13 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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Meghana Ayyagiri
Thorsten Beck
Mohammad Hoseini
13 September, 2013
- Articles
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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Janani Ramasubramanian
22 April, 2013
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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...
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Viktoria Hnatkovska
Amartya Lahiri
01 March, 2013
- 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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Parul Agarwal
Deepti KC
Mudita Tiwari
23 January, 2013
- Articles
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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Mushfiq Mobarak
16 November, 2012
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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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Latika Chaudhary
Anand Swamy
19 October, 2012
- Articles
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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Aparajita Goyal
28 August, 2012
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Financial Intermediation and Economic Growth in Bihar: A District-Level Analysis
The aim of the project was to assess the effectiveness of the banking sector's contribution to the overall development in Bihar. In a nutshell, the study tries to understand the efficiency of the bank...
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Sanjay Banerji
Krishna Gangopadhyay
Sushanta Mallick
18 July, 2012
- IGC Research on India
Household Finance in India
How does mortgage regulation influence the structure and performance of housing finance? This project answers the question by analysing administrative data on over 1.2 million loans originated by an I...
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John Campbell
Tarun Ramadorai
31 March, 2012
- IGC Research on India
Designing microfinance for agricultural growth
Credit and information constraints are particularly acute for farmers in developing countries, and can have a strong impact on their productivity.
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Pushkar Maitra
Sandip Mitra
Dilip Mookherjee
Alberto Motta
Sujata Visaria
31 March, 2012
- IGC Research on India