Tag Search: “financial inclusion”
Facilitating risk-sharing through self-help groups in Bihar
While the self-help group (SHG) programme in Bihar has improved access to low-cost credit for women, this article evaluates whether it improves risk-sharing by examining differences in village-level v...
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Orazio Attanasio
Anjini Kochar
Aprajit Mahajan
Vaishnavi Surendra
16 August, 2023
- Articles
UPI: A game changer towards achieving a cashless economy
Since the launch of the Unified Payment Interface (UPI), the volume of digital transactions in India has increased exponentially over the last few years. Shamim Ara highlights the trends in the expans...
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Shamim Ara
22 May, 2023
- Perspectives
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 ...
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Devika Oberai
06 January, 2023
- Perspectives
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...
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Harsh Vardhan
07 October, 2022
- Perspectives
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...
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Shilpa Vasavada
04 October, 2022
- Perspectives
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,...
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Jean Drèze
Esther Duflo
26 September, 2022
- Perspectives
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...
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Anjini Kochar
C. S. Nagabhusana
Ritwik Sarkar
Rohan Shah
Geeta Singh
31 August, 2022
- Articles
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...
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Isha Gupta
18 July, 2022
- 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, ...
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Ritika Bansal
Anshuman Kamila
Sandeep Kumar
06 June, 2022
- 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...
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Ira N. Gang
Rajesh Raj S.N.
Kunal Sen
12 May, 2022
- 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...
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Neha Bairoliya
Areendam Chanda
25 April, 2022
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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...
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Srinivas Goli
Chhavi Tiwari
20 April, 2022
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