Without focus by regulators on mis-sale, we put confidence of retail customers at risk
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A well-functioning and resilient financial system needs a good mix of institutions that collectively meet the financial intermediation needs of the country, be it individuals, households, businesses, sectors and local governments, while simultaneously enhancing the stability of the system as a whole.
Head - Financial Systems Design
Research Associate
Research Associate
Without focus by regulators on mis-sale, we put confidence of retail customers at risk
India is a bank-dominated financial system with most of the financial assets belonging to the banking sector.
This Note has been prepared for regulated lending institutions who are in the business of offering small-ticket short-term unsecured loans with equated monthly or weekly repayment schedules, to low-income individuals and households in India.
The objectives of sustainable businesses are well-aligned with ensuring the financial health of households, and this holds true for all types of lending businesses.
Summary of process innovations aimed at addressing concerns of household over-indebtedness and the subsequent stress experienced by members of the household.
Proceeds from the Suitability Workshop in Mumbai, Oct 2018.
Several studies have found that the Indian banking sector, while having a large number of players, has monopolistic competition.
The Reserve Bank of India (RBI) has been publishing its bi-annual Financial Stability Reports (FSR) from May 2010. The FSRs provide extensive information about the way the RBI conducts its stress tests on the banking system; an aggregate sense of the results of such tests provide a measure of the overall resilience and stability of […]
NBFCs are particularly vulnerable to wholesale funding constraints in the form of high and volatile borrowing costs
Ideas on how to benefit from the account opening momentum and make progress on usage as well.
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.
