A comparison of household portfolios across two nationally representative survey highlights substantial differences in the ownership of financial assets, while similarities in the incidence of indebtedness.
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We produce blogs to discuss new research findings, ongoing projects, and even personal reflections on the research process. Our blogs are written for a variety of audiences, including other researchers, policymakers, practitioners, financial service providers, grassroots organizations, impact investors and the public. The format is simple and easy to grasp. The language is straightforward, and the tone is non-academic. Our blogs can be of varying lengths. We choose to write a blog when we don’t want to do a full- fledged study or follow a rigorous research process. Blogs may contain opinions and they can also be based on experiences. Some of our blogs may just share some observations, learnings, or challenges.
A comparison of household portfolios across two nationally representative survey highlights substantial differences in the ownership of financial assets, while similarities in the incidence of indebtedness.
In this series's of blog posts, we will provide challenges and gaps in the BoCW Act implementation and highlight the viewpoints of multiple stakeholders in the BoCW Act registration and service delivery.
The Centre for Customer Protection is announcing a call for proposals for the Voice of the Aggrieved Customer (VoAC) project, under the auspices of CPP. The Centre invites Consumer Groups, Self-Regulatory Organisations (SRO), industry associations, Financial Service Providers (FSPs) including digital FSPs, DFS agents and business correspondents, financial planners/advisors, investigative journalists, institutional and independent academicians, research institutions/think-tanks and scholars to submit proposals to document authentic experiences of customers, in the context of digital financial services and customer protection.
We presented detailed feedback on the Reserve Bank of India’s Discussion Paper on Review of Prudential Norms for Classification, Valuation and Operations of Investment Portfolio of Commercial Banks in the form of answers to the ten questions posed within the Discussion Paper.
In this post, we set out our vision for what social protection in India should aim to do, and then pose some questions on how we might achieve this.
In our response, we commend and highlight the more risk sensitive methodology and the corresponding disclosures outlined in the draft guidelines. However, we also point out that not including conduct risk under operational risk is a major lacuna.
In our response, we question the assumptions put forth by the discussion paper for the creation of DBs and the concomitant licensing and regulatory regime.
Blog post series: This series of posts will attempt to do two things – first, to examine the definitional boundaries of social protection and where they relate to other financial services for low-income households, and second, to use this to arrive at a working definition of social protection for policymakers and research organisations such as Dvara Research. As a first step, we break down a few questions in this first post.
In this post, we investigate the mandates of the PCR as set out by the respective regulations and legislative instruments, associated reporting standards, and the operational features, including revenue models, if any.
In this blogpost, we present the key differences in financial disclosures reported by HDFC Bank Limited in India and in the United States (U.S.). As of March 31, 2021, HDFC Bank Limited (henceforth the bank) had 18.65% of its shareholding in the form of American Depository Shares (ADS) that are listed on the New York Stock Exchange (NYSE).
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.
