Independent Research and Policy Advocacy

Misha Sharma Dvara

Misha Sharma

Head – Household Finance
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Misha leads the Household Finance Practice at Dvara Research. In this role she focuses on identifying key research gaps in the field of household finance and building evidence to inform market practices and design of financial sector policy.  Misha specialises in policy research and advocacy in the domain of financial inclusion. She has several years of experience working with the financial inclusion vertical at IFMR LEAD where she managed two large scale trials on the impact of access to formal financial services on low-income households in rural Tamil Nadu. While with IFMR LEAD, she was awarded the CFI Accion Fellowship to research the role of agent network in transitioning low-income households to digital financial platforms. Prior to Dvara Research, she worked as a Senior Research Manager with the Centre for Social Impact and Philanthropy at Ashoka University, researching on the state of the Indian philanthropy sector. Misha has written several research papers and columns, commenting on the state of inclusive finance in India. Misha holds a Master’s in Economics from the University of Edinburgh and a Bachelor’s Degree in Economics from Stella Maris College, Chennai.

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March 7, 2024

Policymakers should go beyond economics to look at sociological and anthropological aspects of how women negotiate finance.

February 1, 2024 | Dvara Research

There is consensus about the importance of financial inclusion. This has translated into efforts to increase the level of financial access from the financial sector firms as well as through policy initiatives. Among the financial sector initiatives, the most visible has been the growth of the FinTech platforms.

By Natasha D’cruze, Misha Sharma, Susan Thomas, Geetika Palta
January 29, 2024 | Dvara Research

In this deck, we discuss some factors influencing life insurance take-up, the problem with endowment life insurance for the low-income segment, and how better disclosures could be the first step in helping households choose the right insurance product for them.

December 1, 2023 | IFI Reports

Advancing women’s financial inclusion is a key policy objective for both advanced and emerging economies. Providing access to formal finance is seen as an important lever in helping poor women seize economic opportunities and build a resilient future for themselves and their families.

May 30, 2023 | Dvara Research

This research brief aims to synthesize existing evidence on the performance of PMJJBY and PMSBY since their inception, the reasons for low participation in these schemes, and the barriers to their successful implementation.

May 8, 2023 | Dvara Research

This blog post summarises key takeaways from a virtual workshop we recently hosted. It was conducted against the backdrop of a study that we recently concluded titled “Can information disclosures influence life insurance purchase decisions for low-income households?”.

March 13, 2023 | ThePrint

There is a need for updated dataset on households' consumption patterns, increased frequency of surveys on households’ balance sheet, and to collect data on financial well-being.

February 13, 2023 | Dvara Research

Despite significant policy support for financial inclusion, there is little evidence about what has been achieved by way of knowing which households and individuals are financially included, or what is the impact of such inclusion on these persons.

By Natasha D’cruze, Dr. Indradeep Ghosh, Geetika Palta, Misha Sharma, Susan Thomas
November 3, 2022

There are several reasons for low take-up of life insurance policies in general and specifically low take-up of term life insurance. These factors range from supply side barriers such as misaligned incentive structures for agents selling life insurance policies, lack of availability and accessibility to a larger suite of life insurance products customized to the needs of low-income households to demand-side barriers such as household’s contextual factors that limit their awareness and priority for a life insurance product and their behavioural preferences pertaining to life insurance products.

July 26, 2022 | The Financial Express

As an impact metric, it is relevant for financial inclusion and other development programmes