Independent Research and Policy Advocacy


Papers In Peer Reviewed Journals

These are papers by members of Dvara Research that get published in academic journals and not on our own website or any other media outlet.

Our Work

December 1, 2023 | IFI Reports

Advancing women’s financial inclusion is a key policy objective for both advanced and emerging economies. Providing access to formal finance is seen as an important lever in helping poor women seize economic opportunities and build a resilient future for themselves and their families.

June 30, 2023 | Dvara Research

The SDG Agenda, the sovereign debt crisis and the climate crisis will need brave leadership from not just individual governments of both the global north and the south, but also groups such as the United Nations, the G20, G7 and others, to closely negotiate tough decisions that can have enough impact on the triple inequality – of wealth, carbon and power.

June 3, 2023 | Economic and Political Weekly

Analysing the contents of the Reserve Bank of India’s biannual FSRs and the methodology of the RBI’s supervisory stress tests reveals that there is scope for improvement, specifically regarding the continuity in the tracking of certain risk drivers, the extent of commentary on the information, and aspects of stress tests.

May 6, 2023 | Economic and Political Weekly

Large gaps exist in life insurance coverage in India. The paper examines this issue through a supply-side lens by examining the two key features—the distinction between the agent and the broker model and the alignment of incentive structures with product life-cycle servicing.

April 26, 2023 | Science Direct

Financing of health systems is an enduring concern world wide. Yazbeck and colleagues in their paper make an important point that when there is a choice between financing in which contributions from citizens take place in the form of generalised taxes versus those in which they are in the form of insurance premiums, the overwhelming evidence suggests that tax-based financing is unambiguously superior even in low- and middle-income countries. Despite the strength of their case against contributory insurance, we suggest that the path forward may be more complex than they envisage for a number of reasons.

By Dr. Nachiket Mor, Hasna Ashraf
March 10, 2023 | Dvara Research

T he Insolvency and Bankruptcy Code, 2016 (Code) is the umbrella legislation for insolvency resolution of corporate persons, partnership firms and individuals

January 23, 2023 | Dvara Research

The Inclusive Finance India Report is a comprehensive and well-researched account on cumulative progress made in India toward reaching the ambitious goal of universal financial inclusion.

By Dr. Indradeep Ghosh, Susan Thomas, XKDR Forum, Dvara Research
September 1, 2022 | Management ReThink

Digital payments are currently being envisioned as a gateway to financial inclusion for the poor and marginalised in India. In this article, Indradeep Ghosh, Executive Director, Dvara Research, examines the rationale for such a vision. He argues that the penetration of digital payments remains low for the poor and marginalised, partly because of unfavourable economics and partly because digital payments interfaces are not well designed to suit this segment. If India can overcome these two hurdles, then digital payments can indeed become more common among the poor and marginalised, and thereby catalyse much wider and deeper financial inclusion in India than has hitherto been possible.

January 5, 2022 | IFI Reports

The social protection landscape in India is transforming at rapid speed owing to the digitization of the various systems that are involved in the process flow of social protection delivery.

August 10, 2021 | LSE

In The Return of the State: Restructuring Britain for the Common Good, editors Patrick Allen, Suzanne J. Konzelmann and Jan Toporowski bring together contributors to offer a roadmap for reforming the British welfare state in the aftermath of the COVID-19 crisis.

By Anupama Kumar