Research Report is an output that presents the findings of a research project. It is a written account of the research process that includes the research questions, methodology, results, and conclusions. Research reports may vary in length and complexity, depending on the purpose of the research and the intended audience. At Dvara Research, we write reports in a formal and objective style, and they are often used to communicate research findings to audiences who are non-academic, such as governments, policymakers, and other stakeholders.
Buy Now, Pay Later (BNPL) products have become one of the popular modes for customers to finance their retail purchases. BNPL products are being postured as challengers to credit cards that can make credit more accessible to customers at little to no cost.
This report, a compilation of all our key learnings from field engagements spanning 7 states, attempts to bring the last mile to the fore of policy discussions on social protection entitlements and their delivery.
we also propose a set of Standard Operating Procedures (SOPs) that can be a ready reference for community-based institutions, Civil Society Organisations (CSOs), or government-run help centres, engaged in citizen assistance in the field of social welfare and accountability.
In this report, we analyse the payments bank (PB) model in terms of the performance of individual PBs in furthering the goal of financial inclusion placed on the payments bank model.
The study found a set of issues that were common across all origination models, a smaller set of issues that were specific to certain institution- or product-types, and a set of issues with distribution channel design and incentive design.
The author works as a Research Associate with Dvara Research. The author acknowledges the contribution of Deepti George, Dwijaraj B, Madhu Srinivas, Sowmini G Prasad for their valuable inputs on the draft.
Tracking Performance of Small Finance Banks against Financial Inclusion Goals
The Pradhan Mantri Mudra Yojana (PMMY) is a large-scale policy intervention designed to address the well-established credit gap for micro and small enterprises in India.
85% of our workforce employed in the unorganised sector workforce who do not have access to any formal pensions, the Government of India (GoI) introduced the National Pension System-Swavalamban (NPS-S) in 2010. This scheme was implemented with of the objective of encouraging citizens engaged in the unorganised sector to save towards retirement.
Social Security is widely seen as a fundamental building block of a just and equitable society. While ideas of welfare, pension and charity have been with us since the times of the earliest civilizations, the modern concept of social security can arguably trace its origins to the aftermath of the industrial revolution.
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.
