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.
This Note has been prepared for regulated lending institutions who are in the business of offering small-ticket short-term unsecured loans with equated monthly or weekly repayment schedules, to low-income individuals and households in India.
The objectives of sustainable businesses are well-aligned with ensuring the financial health of households, and this holds true for all types of lending businesses.
The effectiveness of a future Indian data protection regime would hinge largely on the capacity and approach to supervision and enforcement. The paper discusses some novel ideas to guide the enforcement of a data protection regime.
In December 2014, the Reserve Bank of India published the Charter of Customer Rights as a commitment to protecting the interests of consumers of financial services.
In this paper, we attempt to develop a granular understanding of the relationship between credit (as measured by total bank credit outstanding in a district) and economic growth (as measured by Gross District Domestic Product) for 32 districts of Tamil Nadu
Rapid expansion in the microfinance sector has been credited with advancing financial inclusion in India, even as much of this growth has focused exclusively on simple group loans and credit-linked insurance.
In the latest edition of Securitisation & Structured Finance Handbook 2016/17 (published by Capital Markets Intelligence) Ravi Saraogi, IFMR Investments & Robin Tyagi, IFMR Capital, have authored a chapter on Structuring a Fund Platform for Financial Inclusion in India.
Banks in India, whether large or small, have traditionally been required to adopt similar strategies to expanding their banking businesses.
We use an audit methodology where auditors ask for tax saving instruments from banks and document the disclosures made on product features at the time of sale. In private sector banks with high sales incentives, the high commission product is recommended. In public sector banks, where there are deposit mobilisation targets, fixed deposits are recommended. […]
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 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.
