We produce blogs to discuss new research findings, ongoing projects, and even personal reflections on the research process. Our blogs are written for a variety of audiences, including other researchers, policymakers, practitioners, financial service providers, grassroots organizations, impact investors and the public. The format is simple and easy to grasp. The language is straightforward, and the tone is non-academic. Our blogs can be of varying lengths. We choose to write a blog when we don’t want to do a full- fledged study or follow a rigorous research process. Blogs may contain opinions and they can also be based on experiences. Some of our blogs may just share some observations, learnings, or challenges.
The post focuses on the specific differences in client’s response to various aspects and attributes of micro-lending principles and practice, in rural and urban areas. It is based on observations* from the field visits done as part of our regular monitoring visits
This is the third post in our blog series on KGFS Model Incubation.
This is the third and final post in our blog series on the Battle of Economic Ideas.
The Indian government is promoting the Jan Dhan Yojana, Aadhaar and mobile banking – or the “JAM trinity” — as the pathway to financial inclusion. But are banks capable or even willing take on their role in this ambitious agenda? Based on a field study in Chennai, this column highlights the range of costs and constraints imposed by banks on customers attempting to enter the formal financial sector.
This is the second post in our blog series on the Battle of Economic Ideas. You can read the first post here.
The power of ideas cannot be undermined. While the people and the events linked to them may wither, ideas can live for eternity.
In the previous blog post of the KGFS Model Incubation series, we drew out the implications of mapping the GDP of a branch’s service area on strategic decisions related to district selection, branch potential, product suitability and customer centricity.
In the previous post of this series on Event Risk & Loss Estimation, we discussed briefly the motivation and key modules of a framework for estimating capital against event risk.
The Finance Minister, in his budget speech for 2015-16, has announced a new defined benefit pension scheme - Atal Pension Yojanai (APY, henceforth) - for unorganised sector workers who are not covered under any statutory social security scheme.
Diversification is an effective risk mitigation strategy for portfolio risk management.
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.
