Higher capital adequacy norms locking up funds
Response to Niti Aayog’s Discussion Paper on “Digital Banks – A Proposal for Licensing and Regulatory Regime in India”
Identifying the Market Failure and Mis-identifying the Intervention The discussion paper highlights a ‘market failure’ in the debt market for MSMEs wherein incumbent banks are unwilling to lend to MSMEs, who are otherwise creditworthy, due to lack of documentation and thereby leading to suboptimal outcomes for both banks and MSMEs. Adding to these frictions is […]
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This case study documents some of the suggested approaches to household income assessment and presents a tech-backed solution that can aid operationalise such an assessment for microfinance clients.
Comments to the Reserve Bank of India on the Report of the Working Group on Digital Lending including Lending through Online Platforms and Mobile Apps
In this blog post, we present our comments to the Report of the Working Group on Digital Lending including Lending through Online Platforms and Mobile Apps, November 2021 (the Report) in response to the call for comments from all stakeholders by the Reserve Bank of India (RBI). Our response is accessible here. We appreciate the Report’s […]
Direct Benefit Transfers in Assam, Chhattisgarh, and Andhra Pradesh: Introducing the Dvara-Haqdarshak Study on Exclusion in Government to Person Payments
In this post, we Introduce the Dvara-Haqdarshak Study on Exclusion in Government to Person Payments.