DBT schemes need a digital grievance redressal system
DBT schemes are meant to ride on digital rails to facilitate smooth direct cash transfers. However, transfers are not always smooth.
Banking | Are Indian investors of a lesser god?
By requiring only limited public reporting on asset quality, banks in India have enjoyed a level of opacity that banks in other jurisdictions do not
A Tale of Trade-offs: The Anatomy of the Direct Benefit Transfers System
While the system was rightly designed to eliminate ghost beneficiaries, the impact of exclusion errors needs to be professionally and independently evaluated in detail.
RBI must accommodate fintech innovations, not ban them
An RBI Working Group has suggested that lending service providers be disallowed from providing credit enhancements such as FLDG (first-loss-default-guarantee). However, a risk-proportionate regulation of FLDG could address its risks, while allowing the ecosystem to benefit from innovation.
What Two New Surveys Say About the State of DBT’s Last Mile Woes
In India, the direct benefit transfer (DBT) system has gained enormous acceptance as a method of delivering welfare to the most deserving. It has been the main instrument of governments’ social protection response to the COVID-19 pandemic.
Health Savings Accounts for India – Another string in the bow?
The study is authored by Aarushi Gupta, senior research associate at Dvara Research. Bindu Ananth, co-founder and chair of Dvara Trust. Bindu Ananth and Hasna Ashraf are fellow, Lancet Citizen’s Commission on Reimagining India’s Health Systems.
Loan Rejection Rate for Women-run Business 2 Times Higher than Men. Formal Finance Bias Needs Fixing
Even when women are not the primary borrowers of formal finance, studies note that they remain responsible for ensuring timely repayments.
Making digital finance work for women
Digital formal finance can potentially reduce the physical and social distance between women and financial services.
Why agri-techs are complimentary to FPOs in agricultural value chain
India needs to carefully assess its capacity, need and social context while choosing its own path towards not just greater agricultural productivity and better farmer welfare but also ecological sustainability.
Watch: Reform Pathways for India’s Healthcare Financing
In India, nearly 65% of the healthcare spending is out of pocket by individuals. The remaining 35% is highly fragmented and comes from a number of central and state government funds, and insurance companies. The unprecedented healthcare crisis caused by the pandemic has brought a number of concerns about the effectiveness and sustainability of the healthcare system to the forefront.
