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

June 19, 2013 | Dvara Research

The financial crisis of 2008 brought to light many consumer abuses prevalent in the financial services industry.

By Deepti George, Anand Sahasranaman, Vishnu Prasad, Darshana Rajendran
April 16, 2013 | Dvara Research

Central to the debate on access to finance for India, is the question of the most appropriate channel for credit delivery. Credit intermediation has traditionally been the stronghold of banks, driven by policy mandates and regulatory backing.

By Deepti George, Anand Sahasranaman
September 14, 2011 | Dvara Research

Following the sessions by Dr. Isher Ahluwalia and Mr. Vikram Kapur, (covered in this post) the workshop participants discussed critical topics such as decentralisation and governance, political economy and institutional fragmentation, revenue generation and infrastructure financing, water and sanitation, capacity building, and land and city growth.

By Financial Systems Design
August 19, 2011 | Dvara Research

The structured finance approach has given MFIs access to a new class of debt investors, thereby reducing over-dependence on traditional sources of funds. This therefore enables risk transfer over a larger gamut of financial institutions and also provides access to mainstream capital market investors. The need for continuous and reliable sources of capital is critical for growth and sustenance in this sector.

By Dvara Research
March 16, 2011 | Dvara Research

IFMR Trust is a private trust whose mission is to ensure that every individual and every enterprise has complete access to financial services.

By Nitin Chaudhary, Suyash Rai
March 8, 2011 | Dvara Research

Rural households need relatively large sums of money for life cycle needs (such as marriages, festivals and old age), emergencies (such as illness, the death of a bread-winner and floods) and investment opportunities (as much in assets and household goods, for example, as in investments in micro-businesses)i .

By SG Anil Kumar, Nitin Chaudhary
December 21, 2010 | Dvara Research

The AP microfinance crisis has raised significant questions on the design of the financial system that best ensures inclusion. The crisis has revealed deep discomfort with the regulation of Non-Deposit taking Institutions (NDI). Some observers have equated NDIs to moneylenders.

By Dr. Nachiket Mor, Bindu Ananth
December 10, 2010 | Dvara Research

In this paper, we present two stylized models of the financial system. We make the case that in order to realize the potential of a well-functioning complete financial market, financial system designers and financial service providers will need to think about ways to deliver financial propositions that are customized to individual households by responding to their unique circumstances.

By Dr. Nachiket Mor, Suyash Rai, Bindu Ananth, Dvara Research
February 10, 2010 | Dvara Research, IFMR Finance Foundation

While endeavouring to deepen financial access in India, the enormity of the problem, that is, the vast number of financially excluded people to be reached, has been emphasised time and again.

By Bindu Ananth, Asha Krishnakumar