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Money & Finance

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Finance for small-firm growth: Towards flexibility and innovation

While microfinance contract innovations like repayment grace periods help small-firm owners, they can increase default rates for microfinance institutions. Based on field experiments in Pakistan and K...

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Do commodity derivatives suspensions rein in food price inflation?

Since December 2021, derivatives trading on seven agricultural commodities remains suspended, driven by concerns over excessive speculation and its potential impact on food prices. This article highli...

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RBI’s costly experiments with the currency

During 2023-2024, the average annual volatility of the rupee-dollar exchange rate was 1.8% – the lowest in over two decades. In this post, Patnaik, Pandey and Sengupta explain why sudden and sharp l...

  • Perspectives
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Going cashless but thinking cash?

In this article, Bappaditya Mukhopadhyay, Professor of Economics and Finance at the Great Lakes Institute of Management, contends that switching from a predominantly cash-based to cashless economy nee...

  • Perspectives

Picking up the pieces

In an earlier article , Pronab Sen, Country Director, IGC India Central, examined some of the economic consequences of the recent demonetisation of Rs. 1,000 and 500 notes in India, and concluded that...

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Policymaking in the ‘grey zone’

Prerna Mukharya, Founder of Outline India – a social enterprise that focuses on data collection, impact assessments and evaluation studies, predominantly working with rural populations in remote are...

  • Notes from the Field

Currency shock: Does the gain justify the strain?

On the evening of 8 November, PM Modi announced that 1,000 and 500 rupee notes will cease to be legal tender post-midnight. In this article, Parikshit Ghosh, Associate Professor of Economics at the D...

  • Perspectives

Kisan Credit Card programme: Expanded access to credit or expansion of credit?

Kisan Credit Card programme - a key reform in agricultural lending in India - has been operational for almost 20 years now. However, there is little empirical evidence of its impact on intended benefi...

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Assessing the impact of listing on access to finance for small and medium enterprises

Small and medium enterprises are globally viewed as an engine of economic growth. However, growth in this sector is often limited by access to external finance due, in part, to SMEs being informationa...

  • IGC Research on India

Public sector banks: The more things change, the more they stay the same

Banks Board Bureau has been set up to help the government appoint heads of public sector banks (PSBs) and to advise on important issues in banking. In this article, Gurbachan Singh asks basic question...

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Land and financial misallocation in India

Optimising the allocation of factors of production – land, capital and labour - improves productivity. In India, where evidence suggests land is severely misallocated to inefficient manufacturing fi...

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Access to credit and female labour supply in India

While microfinance is believed to have the potential to increase female labour force participation, short-term experimental evaluations of microfinance have not found significant economic benefits for...

  • IGC Research on India

Are small and medium enterprises constrained by the inability to raise funds from the equity markets? Evidence from the creation of a new platform in

Small and medium enterprises employ 40% of India’s workforce, and account for 45% of the manufacturing output and 40% of the total exports of the country. However, productivity in the sector is very...

  • IGC Research on India

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.

  • 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 succ...

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Most Popular Money & Finance Posts

India’s insurance sector: Challenges and opportunities

While India’s insurance sector has been growing dynamically in recent years, its share in the global insurance market remains abysmally low. This article traces the journey of the Indian insurance s...

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Financial inclusion in India: Progress and prospects

Financial inclusion is globally considered as a critical indicator of development and well-being of society. In this post, Srinivasa Rao traces the financial inclusion journey in India so far, and dis...

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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 d...

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