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Ashok Kotwal
GST Explainer: Introduction
Posted on: 16 Oct 2017
Seventeen years after its framework was formed, India’s biggest tax reform – the goods and ... read on »
Introducing a new feature: ‘Explainers’
Posted on: 16 Oct 2017
Our day-to-day lives are tossed around due to economic changes, resulting sometimes from g ... read on »
On demonetisation
Posted on: 23 Dec 2016
On the evening of 8 November, the Prime Minister announced on national television that Rs. ... read on »
Introduction to e-Symposium: The GDP conundrum
Posted on: 16 Nov 2016
Ever since India’s Central Statistical Organisation came out with the new GDP series with ... read on »

Tag: insurance

Financial inclusion: Concepts, issues, and policies for India
Nalini Gulati , Nirvikar Singh
Posted on: 17 Aug 2017
Topics:   Finance


The International Growth Centre recently brought out a synthesis paper (Singh 2017) that lays out the basic concepts surrounding financial inclusion, and reviews a wide range of IGC and other studies on financial inclusion. At a workshop organised by the IGC in collaboration with Ideas for India and Indian Statistical Institute, Rohini Pande (Harvard Kennedy School), S. Krishnan (State government of Tamil Nadu), Ashok Bhattacharya (Business Standard), and R Gopalan (ex-Ministry of Finance) discussed the key lessons emerging from research, implications for policy, and areas where further work is needed.
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Why is labour mobility in India so low?
Kaivan Munshi , Mark Rosenzweig
Posted on: 04 Jul 2016
Topics:   Jobs


Rural-to-urban migration is surprisingly low in India, compared with other large developing countries, leaving higher paying job opportunities unexploited. This column shows that well-functioning rural insurance networks are partly responsible, as they incentivise adult males to remain in villages. Policies that provide private credit to wealthy households or government safety nets to poor households would encourage greater labour mobility, but could have unintended distributional consequences.
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Public health insurance for tertiary diseases: Lessons from Andhra’s Aarogyasri programme
Sisir Debnath , Tarun Jain
Posted on: 12 Apr 2016
Topics:   Health


Private health insurance covering tertiary diseases is limited to the upper middle class in India. One reason for low take-up of publicly-financed health insurance among economically weaker sections is that treatment of tertiary diseases relies critically on specific information on facilities and treatment options. This column presents evidence from Andhra’s Aarogyasri programme suggesting that community networks might be an important channel through which such information is obtained.
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Willingness to pay for index-based crop microinsurance in India
Janani Ramasubramanian
Posted on: 22 Apr 2013
Topics:   Finance , Agriculture


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 column presents research that shows that while there is awareness regarding market-based formal insurance schemes, people continue to be more comfortable relying on own savings or informal borrowing, which can only help manage small shocks or losses.
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