Unreliable, expensive, and insecure channels of remittances and traditional savings instruments had inhibited migrant households’ ability to utilise their remittances to save and create wealth.
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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.
Unreliable, expensive, and insecure channels of remittances and traditional savings instruments had inhibited migrant households’ ability to utilise their remittances to save and create wealth.
In this document, we compile Aadhaar-enabled Public Distribution System (AePDS) protocols in the five southern states of India, namely, Tamil Nadu, Andhra Pradesh, Karnataka, Kerala, and Telangana.
In this blog post, we discuss the processes involved in the last-mile delivery of Aadhaar-enabled Public Distribution System (AePDS) in five states of Southern India
While phone access and ownership has been rising rapidly in India in recent years, women lag behind on access, usage and ownership of mobile phones across the world but especially in South Asia, including India.
This paper provides an analytical review of extant literature on how low-income women in India and in other countries in the Global South access and use mobile phones
Household Finance is the study of how institutions provide goods and services to satisfy the financial functions of the household, how consumers make financial decisions and how government action affects the provision of financial services (Tufano, 2009).
India has relied on banks to drive its financial inclusion efforts. However, the high levels of NPAs in banks’ balance sheets has forced them to cut back on lending, adversely affecting the financial inclusion agenda.
The provisions for insolvency, bankruptcy and fresh start for natural persons as contained in the Insolvency and Bankruptcy Code (IBC) 2016 are expected to shift the paradigm of the Indian consumer credit market.
This paper presents ideas for a new approach to enforcement of a data protection regime, based on risk-based supervision and the use of a range of responsive enforcement tools that could be deployed in advance of a breach to prevent it, or after a breach to mitigate the effects.
Three issues that the RBI must prioritize as it seeks to revise MFI regulations. While the prescriptive nature of these regulations has helped by setting in place core systems, processes and an overall structure towards better compliance, there is a growing concern over the capability of the current regime to effectively protect borrowers from over-indebtedness.
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.
