Independent Research and Policy Advocacy

Does moratorium affect loan repayment behaviour?

Governments and lenders provide loan moratoria to help struggling borrowers, particularly during an economic crisis. While it can provide relief to borrowers, such a policy also has a possibility of inducing moral hazard among the beneficiaries.

Debt Distress Protocols

An action project to help financial service providers detect debt distress among their borrowers and administer interventions to alleviate distress. To read full report, Click here.

Addressing Borrower Distress- A Principle-based Approach

In this post, to help enhance the efficacy of relevant frameworks, we lay out the key principles that the two primary actors, the banking sector regulator and the regulated lenders, must be guided by while designing policies to tackle debt distress caused by severe economic shocks.