Independent Research and Policy Advocacy

May 13, 2025

IN FOCUS: FINANCIAL LIVES OF POOR HOUSEHOLDS 5 min read Arun and his family live in a rural town in Odisha. He is the sole income earner of his family. Arun is a part- time small holding farmer. He also works as an agri- labourer on his neighbour’s farm to support his family’s expenses. For […]

April 29, 2025 | Dvara Research

The survey was conducted between March and April of this year in partnership with Gram Vaani, a social technology company, in seven districts of Rajasthan: Ajmer, Alwar, Bharatpur, Bundi, Dausa, Deeg, and Jaipur.

By Hasna Ashraf, Sowmini G Prasad
April 9, 2025 | The Hindu Business Line

Fairness, explainability and human-in-the-loop principle are vital elements of Responsible AI

By Beni Chugh, Neeraj Sibal, PwC
April 4, 2025 | Dvara Research

On 13 December 2024, the Ministry of Finance, Government of India (MoF) released the draft Banning of Unregulated Lending Activities (BULA) Act. This aligns with recommendations made in the Report of the Working Group on Digital Lending.

March 29, 2025 | Dvara Research

In this paper, we aim to identify the challenges and opportunities in financing regenerative agriculture within the context of smallholder farming in India and offer suggestions for enhancing the financing of regenerative agriculture in the country.

By Beni Chugh, Hasna Ashraf
March 29, 2025 | Dvara Research

This Whitepaper unpacks what RTAI would mean in the context of digital lending. While the term Responsible AI has been adequately conceptualized in academia and elsewhere, it still needs to be coherently contextualized to specific domains.

March 28, 2025 | Dvara Research

In this blog, we delve further to uncover the institutional, cultural, and evolutionary factors underpinning the challenges of engendering formal savings among LIHs.

March 27, 2025 | Dvara Research

In this paper, we aim to identify the challenges and opportunities in financing regenerative agriculture within the context of smallholder farming in India and offer suggestions for enhancing the financing of regenerative agriculture in the country.

March 27, 2025 | Dvara Research

In this note, we present a citizen-centric framework to study the factors that limit the effectiveness of state-sponsored health insurance schemes.

By Sowmini G Prasad, Hasna Ashraf
March 21, 2025 | The Hindu Business Line

When AI-driven decisions are fair, respect privacy and are not opaque, they foster customer confidence