Independent Research and Policy Advocacy

Publications

Research Papers

Research Paper or Working Paper is the culmination of a research process and critical thinking. Here, we present our findings of primary research, surveys, and/or literature review in a format that is mostly found in academic papers. These may take us several months to produce and may involve a slow pace and deliberate reflection by the researchers.

Our Work

August 2, 2021 | Dvara Research

This note discusses how Community Based Health Insurance can improve access to healthcare and financial protection for vulnerable low- and middle-income populations

By Sowmini G Prasad
July 12, 2021 | Dvara Research

In this paper, we create and validate a composite demand-side financial inclusion index to contribute to the literature on the measurement of financial inclusion

By Misha Sharma, Snegdha Gupta
July 1, 2021 | Dvara Research

We undertook a study of how digitisation through mobile phones plays out among women and In this brief, we present findings relevant to financial service providers

By Dr. Lina Sonne
June 28, 2021 | Dvara Research

In this paper, we explore how India’s growing CHI segment can be used to deliver adequate financial protection and good health outcomes

By Hasna Ashraf, Dr. Indradeep Ghosh, Anjali Nambiar, Sowmini G Prasad, Nishanth Kumar
June 15, 2021 | Dvara Research

This paper provides a snapshot of the way digitisation through mobile phones plays out among women in India, based on a review of literature, semi-structured interviews

By Dr. Lina Sonne
April 19, 2021 | Dvara Research

In this paper, we document the growing informalization of India’s labour force, and the consequences of this phenomenon for the state of social protection in India

By Hasna Ashraf, Dr. Indradeep Ghosh, Aarushi Gupta, Rakshith S. Ponnathpur, Monami Dasgupta, Anupama Kumar, Nishanth Kumar
April 15, 2021 | Dvara Research

In this paper, we assess the public disclosure regime of the Indian banking sector & provide our recommendations that RBI can consider implementing to enhance the transparency of disclosures

By Amulya Neelam, Sowmini G Prasad, Madhu Srinivas
March 24, 2021 | Dvara Research

Non-Banking Finance Companies (NBFCs) play a critical role in the credit ecosystem by acting as last-mile financiers for the unbanked and underserved segments of the Indian economy,

By Deepti George, Dwijaraj Bhattacharya, Madhu Srinivas, Sowmini G Prasad
February 18, 2021 | Dvara Research

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) is a health insurance/ assurance scheme which was launched by the Government of India (GoI) in September 2018. It is the second component under Ayushman Bharat; a scheme envisioned to achieve Universal Health Coverage (UHC) in India.

By Sowmini G Prasad
February 4, 2021 | Dvara Research

This paper report results from an experimental study that examines the impact of information disclosure on consumers’ purchase decision of a high-risk financial product

By Niyati Agrawal, Misha Sharma, Madhu Srinivas, Monami Dasgupta, Monika Halan