Policymaking at a time of high risk-aversion
The key issues in the Indian financial sector in general, and banking in particular, are bearing risk and allocating capital. These are especially important now as India enters into a prolonged phase ...
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Rajeswari Sengupta
Harsh Vardhan
06 April, 2020
- Perspectives
Yes Bank: The anatomy of a crisis
The string of frauds and failures unearthed in recent years in the Indian banking sector indicate weaknesses in banking supervision. In this post, Pandey and Priyadarshini argue that the Reserve Bank ...
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Radhika Pandey
D. Priyadarshini
23 March, 2020
- Perspectives
Unearthing “zombies” in the Indian corporate sector
The secular rise of "zombie" borrowers – insolvent firms sustained by continued extension of credit by complicit banks – is a source of concern as these firms tie up productive workers and capital...
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Nirupama Kulkarni
S. K. Ritadhi
Siddharth Vij
Katherine Waldock
04 August, 2020
- Articles
Can the microcredit model be improved?
Microcredit is frequently touted as an effective policy tool to fight global poverty. However, studies suggest that the long-term impact on recipients’ lives is limited. In this post, Mushfiq Mobara...
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Vikas Dimble
Mushfiq Mobarak
21 August, 2019
- Articles
Amalgamation of public sector banks: The task ahead
The central government has proposed amalgamation of three public sector banks (PSBs), the first stage of which has been completed. This strategic move is touted to be the beginning of transformation o...
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K. Srinivasa Rao
26 November, 2018
- Perspectives
What ails the Indian banking sector?
Non-performing assets (NPAs) of Indian banks have risen from under 3% to over 13% in the past couple of years, making the state of the banking sector one of the biggest challenges facing the country i...
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Pronab Sen
20 September, 2018
- Perspectives
Measuring the equilibrium impacts of credit: Evidence from India’s 2010 microfinance crisis
In October 2010, the government of Andhra Pradesh issued an emergency ordinance, bringing microfinance activities in the state to a complete halt and causing a nationwide shock to the liquidity of len...
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Emily Breza
Cynthia Kinnan
13 July, 2018
- Articles
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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K. Srinivasa Rao
11 July, 2018
- Perspectives
The cycle of debt among vendors in India and the Philippines
Many street vendors rely on daily or weekly loans from moneylenders to finance working capital. Given the high interest rates, why do they not use a little bit of each day’s earnings to buy working ...
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Dean Karlan
Sendhil Mullainathan
Benjamin N. Roth
29 June, 2018
- Articles
Explainer: Conceptual foundations of cryptocurrencies
In recent times, cryptocurrencies have become a subject of intense deliberations among policymakers, market participants, investors, and other stakeholders. Whether cryptocurrencies will revolutionis...
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Radhika Pandey
Bhavyaa Sharma
31 May, 2018
- Explainers
Explainer: India’s payments banks
In August 2015, the RBI issued in-principle licences to 11 entities to establish payments banks in India – a unique format of banking which has not been used anywhere else in the world. Fully based ...
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Rahul Choudhury
30 May, 2018
- Explainers
New resolution framework for stressed assets: Challenges and opportunities
The Insolvency and Bankruptcy Code (IBC), 2016 aims to expedite resolution of stressed assets, and provide an exit route to failed entities. A simplified, generic framework has been developed by RBI f...
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K. Srinivasa Rao
16 May, 2018
- Perspectives
The big bank theory
The Indian banking system is saddled with non-performing and stressed assets, which currently constitute about a quarter of all assets. In this post, Maitreesh Ghatak argues that while there are valid...
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Maitreesh Ghatak
11 May, 2018
- Perspectives
Does your cultural background affect your credit profile?
In many economies – both developed and developing – economic transactions tend to cluster by ethnic or social group. Using data from a large, state-owned bank in India, this article presents evide...
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Raymond Fisman
04 May, 2018
- Articles
Public bank privatisation: No panacea for the ills of the banking sector
The recent Punjab National Bank fraud has rekindled the debate on bank privatisation, often considered a solution for the poor management in public sector banks. In this article, Sengupta and Roy cont...
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Shubho Roy
Rajeswari Sengupta
25 April, 2018
- Perspectives
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Tweets by Ideas4IndiaMost Popular Money & Finance Posts
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...
K. Srinivasa Rao
11 July, 2018
- Perspectives
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...
Kuntala Bandyopadhyay
Saon Ray
Vasundhara Thakur
31 August, 2020
- Articles
Corporate debt market in India: Issues and challenges
While it is true that the Indian corporate debt market has transformed itself into a much more vibrant trading field for debt instruments from the elementary market that it was about a decade ago, th...
Vaibhav Anand
Rajeswari Sengupta
19 May, 2014
- Articles