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

February 4, 2022 | Dvara Research

In this paper, we propose an analytical framework that provides an overview of the various actors and processes involved in financing, purchasing, provision and provider payments.

January 6, 2022 | Dvara Research

Gold dominates household portfolios in India. This has been labelled as irrational behaviour by financially illiterate households. In this paper, we show that household preference towards gold is not irrational in the context of the Indian financial and macroeconomic environment which includes high inflation, financial repression, and capital controls.

By Renuka Sane, Manisk K. Singh
November 25, 2021 | Dvara Research

In this piece, we revisit Enthoven’s principles and propose a broader definition of the concept of managed competition in order that it may encompass other countries’ experiences that do not conform to a strict application of Enthoven’s concept.

November 16, 2021 | Dvara Research

Based on a study of the theoretical and empirical literature, we conclude with a set of hypotheses that looks at how demand for health insurance can be fostered by targeting both the components of demand (intention and action), through well-designed awareness measures and nudges to overcome the various behavioural biases involved.

August 5, 2021 | Dvara Research

In this paper, we document some key relationships between micro-level household behavior and macro-level aggregates for the Indian economy. Using the CMIE’s Consumer Pyramids Survey, we show that for the period 2014-19, the household-level savings rate around the median of the income distribution correlates strongly with, and has predictive power for, macro-aggregate variables such as the Wholesale Price Index and its rate of change, the Prime Lending Rate, the growth rate of bank credit for personal loans, the growth rate of industry-sector GDP, and the growth rate of bank credit to the household sector.

By Dr. Indradeep Ghosh, Vinay Subramanian, Rohith Krishna, Rakesh Nigam
August 3, 2021 | Dvara Research

A Convening on ‘Emerging Customer Risks in Digital Lending’ was conducted on April 22nd and 23rd, 2021, by Dvara Research Foundation in collaboration with the Consultative Group to Assist the Poor (CGAP).

By Amulya Neelam, Sarah Stanley, Eric Duflos, Jayshree Venkatesan
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

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