Ruchira Bhattamishra is a researcher at the Centre for Development Research, Sustainability and Technical Advancement (C-DRASTA), a research and policy think-tank that focuses on socioeconomic development in India. She studied at Bryn Mawr College, USA, the London School of Economics and Cornell University, where she received a Ph.D. in Economics, with a specialisation in development economics. As part of her Ph.D. dissertation project evaluating community grain banks, she did field research in rural Odisha, India. Her research interests include the economic development of indigenous populations, financial inclusion, food security, evaluation of economic development programmes, and how behavioural economics can inform development policy.
Financial inclusion for the poor: Using RCTs for effective programme design
06 Jan 2016
While the Pradhan Mantri Jan Dhan Yojana – the Indian government’s flagship financial inclusion scheme - is impressive in its mission, it does not seem to have achieved meaningful results so far. In this article, Ruchira Bhattamishra, Senior Fellow at the Centre for Development Research, Sustainability and Technical Advancement, makes a case for the use of the Randomised Controlled Trial methodology for impact evaluation to gather credible evidence on the effectiveness of pilot financial programmes/particular components of programmes, before the government invests heavily in scaling them up.
read on »