Publication: Dvara Research

Loan repayment behaviour differs across asset classes based on borrower profile, purpose of loan, geography and nature of security, if any.

Yesterday, the RBI announced in-principle Payment Bank licenses for eleven applicants. To put things in perspective, there were two new bank licenses in the last decade.

In the previous post of the blog series on financial depth, we attempted to understand the nature of the relationship between financial depth and economic growth.

This is the first post in our blog series on the concept of financial depth and the various methods to measure it. The introductory post summarizes the literature pertaining to the significance of financial depth.

The post focuses on the specific differences in client’s response to various aspects and attributes of micro-lending principles and practice, in rural and urban areas. It is based on observations* from the field visits done as part of our regular monitoring visits

This is the third post in our blog series on KGFS Model Incubation.

This is the third and final post in our blog series on the Battle of Economic Ideas.

The Indian government is promoting the Jan Dhan Yojana, Aadhaar and mobile banking – or the “JAM trinity” — as the pathway to financial inclusion. But are banks capable or even willing take on their role in this ambitious agenda? Based on a field study in Chennai, this column highlights the range of costs and constraints imposed by banks on customers attempting to enter the formal financial sector.

This is the second post in our blog series on the Battle of Economic Ideas. You can read the first post here.

The power of ideas cannot be undermined. While the people and the events linked to them may wither, ideas can live for eternity.