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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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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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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...

  • 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...

  • 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.

  • IGC Research on India