Scarcity & Bounty: Psychology of the Harvest
Self-control problems can be consequential for the well-off; examples include failures to eat or live healthy, or save enough for retirement.
Historical data, vital to design
Households slip into “bad states of the world” due to several reasons, including accident or death of the earning member, medical emergency of a family member, poor or excess rainfall that ruin crop production, theft or fire.
Banks can do more on the Business Correspondent front
G E Balajee, IFMR Blog Team in conversation with Abhishek Sinha, CEO, Eko India Financial Services Private Limited on the Business Correspondent model, its challenges and prospect.
Funding options for non-bank originators – Mezzanine instruments
Recently, we flagged off our new blog series on financing options for non-bank originators with our first post that explored debt-funding options in some depth.
Options for low-income households
A defining characteristic of the finances of low-income households is the irregularity and seasonality of cash-flows, and the generally small surplus.
Rethinking the Housing Strategy for Low Income Households
Increasing urbanization and massive demographic pressures that India is witnessing has brought housing and infrastructure to centre stage.
Effect of IFRS on Banks & NBFCs
Recently, I had the opportunity to attend a discussion on International Financial Reporting Standards (IFRS) which was attended by chartered accountants and key financial stakeholders.
Listing of Securitised Debt Instruments
In a move aimed at developing the secondary market for securitised debt instruments, SEBI has released a Listing Agreement for such instruments and directed the exchanges to do the needful to enable listing of securitised debt instruments.
Micro-realities of financial inclusion
It is now well-accepted that the power of financial services to the customer, particularly low-income households, is realised only through the availability of a broad range of services, and not just through small loans or opening bank accounts.
MFI Pricing and Valuation – an analysis of key drivers
IFMR Trust is a private trust whose mission is to ensure that every individual
and every enterprise has complete access to financial services.
