Independent Research and Policy Advocacy

Women’s Access and Use of Mobile Phones

This paper provides an analytical review of extant literature on how low-income women in India and in other countries in the Global South access and use mobile phones

Household Finance in India: Approaches and Challenges

Household Finance is the study of how institutions provide goods and services to satisfy the financial functions of the household, how consumers make financial decisions and how government action affects the provision of financial services (Tufano, 2009).

The Risk Aggregator Model in Banking for India

India has relied on banks to drive its financial inclusion efforts. However, the high levels of NPAs in banks’ balance sheets has forced them to cut back on lending, adversely affecting the financial inclusion agenda.