Shree Harini V

Research Associate

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Shree Harini V, is an Research Associate at Dvara Research. She is an Econometrics post graduate from University of Madras with a Diploma in Data Science from IIT Madras with notable achievements such as UGC-NET(Economics) and GATE 2021 (All India Rank 95). Proficient in STATA, SPSS, R Programming, and Python, she has served as an academic writer team lead and contributed as a Research Associate at institutions like Management Development Institute, BITS Pilani, Hyderabad and at ISB, Mohali. She is committed to achieving her goals in the dynamic realm of data science.

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Contact: shree.harini@dvara.com

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November 7, 2024 | Dvara Research

How have household balance sheets changed post the pandemic? A descriptive analysis of household portfolios using CMIE’s Consumer Pyramid Household Survey Dataset

According to a report by Crif High Mark, microfinance loans overdue for up to 31-180 days increased from 2.1% in March 2024 to 2.7% in June 2024. While there could be several supply-side factors at play for the rise in defaults, in this blog we direct our attention to reviewing the household side of the story by assessing the changes in household balance sheets post the COVID-19 pandemic.

By Shree Harini V, Misha Sharma

April 10, 2024 | Dvara Research

Assessing the Borrower-Level Impact of the Insolvency and Bankruptcy Code: A Study of the Fresh Start Process

The 2016 Insolvency and Bankruptcy Code (IBC) is a landmark legislation with the potential to impact every borrower. This paper focuses on Part III of the IBC, which deals with natural persons, proprietorships, and personal guarantors for corporate debt. Through the paper, we attempt to estimate the potential consequences of the Fresh Start Process (FSP) defined under this Part. The IBC lays out economic criteria that can qualify (or disqualify) an applicant for FSP. Under FSP, a borrower must be asset-lite, have a low income, and hold minimal outstanding debt to qualify. These thresholds determine the applicability of the process once the IBC is fully notified. Thus, empirical estimates regarding the effects of the provisions on the Indian credit market are crucial to deciphering the impact of the IBC, more specifically, the FSP.

By Dr. Indradeep Ghosh, Dwijaraj Bhattacharya, Shree Harini V, Natasha D’cruze

In all our research efforts, we strive to maintain an independent voice that speaks for the low-income household and household enterprises. Our ability to perform this function is significantly enhanced by our commitment to disseminate as a pure public good, all the intellectual capital that we create.

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