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Tag Search: “financial inclusion”

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 ca...

  • Articles

Research gaps and policy priorities: Evidence from Bihar

The gap between research and policy priorities has always presented an enormous challenge both for academics and policymakers. With a scarcity of rigorous evidence in certain areas, this gap is partic...

  • IGC Research on India

Informal Insurance under Group Lending with Individual Liability

This study aims to provide empirical support to the hypothesis that informal insurance plays an important role in the context of group lending under individual liability, and to evaluate the impact of...

  • IGC Research on India

Repayment flexibility, contract choice, and investment decisions among Indian microfinance borrowers

Borrowers’ difficulties to comply with repayment obligations, for entrepreneurial and consumption motives, have pushed several microfinance institutions to introduce some degree of flexibility during ...

  • IGC Research on India

Give women credit

Since its inception in the 1970s microfinance has emerged as an important tool to support livelihoods among those who lack access to traditional banking services, though the method has its critics. Er...

  • Articles

Indoor air pollution and stunting among Indian children

While the conversation on air quality has been focussed largely on outdoor air pollution, millions of deaths occur due to indoor air pollution as well. Based on 2005–2006 National Family Health Survey...

  • Articles

Financial inclusion: Concepts, issues, and policies for India

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 ...

  • Perspectives

Post demonetisation: Is digital finance in India's future?

Analysing RBI data from June 2017 – six months after demonetisation was announced on 9 November 2016 – Mukherjee and Wadhwa show that reliance on cash has reverted to pre-demonetisation levels, and th...

  • Perspectives

Are farm loan waivers really so bad?

Recent announcements by various state governments of their intent to waive farm loans to varying extents have been strongly criticised by the media and other commentators. In this article, Dr Pronab S...

  • Perspectives

Hazards of farm loan waivers

In theory, debt waivers are expected to induce the optimal level of effort from the debtor for loan repayment. However, repeated waivers may distort household expectations about credit contract enfor...

  • Articles

Smart policy for women's economic empowerment in South Asia

In this article, Jennifer Johnson and Nalini Gulati highlight the different trajectories of women’s economic empowerment across South Asia, based on a recent policy dialogue hosted by Evidence for Po...

  • Perspectives

Analysing the impact of government interventions in agriculture on consumption

In the context of bankruptcy, many important studies have examined the implications of debt relief on different real outcomes.  However, the decision to file for bankruptcy could be endogenous; examin...

  • IGC Research on India