Dvara Research’s Household Finance Research initiative aims to rigorously understand the financial choices and decisions of low-income or excluded individuals and households, and their relation to achieving households’ objectives. It has been our consistent endeavour to study financial inclusion as a gateway to a suite of appropriate financial services eventually enabling well-rounded household balance sheets and consumer financial well-being.
Head - Household Finance
Senior Research Associate
The role of data in shaping public perception and informing policy decisions cannot be emphasised enough. Given the shift towards increasing digitisation and an influx of data points that is now available in the public domain,
The Indian financial sector is poised for sweeping changes to traditional models and we look to embrace game-changing developments in institutional form and digital infrastructure.
This post is the next in the credit depth series. While the previous post covered trends in Credit-to-GDP variable for the districts of Tamil Nadu, this post will elucidate trends related to Compounded Annual Growth Rate (CAGR, henceforth referred to as growth rate)1 of Credit, Gross State Domestic Product (GSDP) and Credit-to-GDP variables.
In the previous blog posts of this series, we had outlined that the various aspects of financial development like depth (Credit to Gross Domestic Product (GDP) ratios), and access (per cent of population with bank accounts in urban and rural areas, and distribution of payment access points per 10,000 eligible persons) vary not only between Indian states, but also considerably between different districts.
This blog post discusses the concept of weather-indexed insurance in India, its advantages over traditional yield-based insurance schemes and the institutional and infrastructure requirements for successful implementation of weather-indexed schemes.
As part of the National Stock Exchange & IFMR Finance Foundation Financial Deepening & Household Finance Research Initiative, we are pleased to jointly host the Inaugural Conference on March 14-15, 2016.
The RBI Committee on Comprehensive Financial Services for Small Businesses and Low Income Households (2014) recommended that the regulator require all loans provided by regulated institutions to be reported to at least one credit bureau.
As part of IFMR Finance Foundation’s “Notes on the Indian Financial System” research series, Anand Sahasranaman, Vishnu Prasad & Aditi Balachander, have authored the latest research note on “Simulating Housing Choice for Low-Income Urban Households”.
In the last five years, the microfinance sector in India has grown into a stable and well-regulated sector thanks to a strengthened regulatory framework and credit bureau infrastructure.
As part of Business Today Magazine’s 25th Anniversary issue, Bindu Ananth has written an article in the latest edition of the magazine.
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.
