There is an urgent need to make formal financial services more flexible, and customer centric, in order to increase its usability
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There is an urgent need to make formal financial services more flexible, and customer centric, in order to increase its usability
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.
In this blog post-through a case study, we analyse how microcredit borrowers availed the debt moratarium and through that identify how much they may have been impacted by COVID-19 and lockdowns.
A new framework for monitoring credit markets for over-indebtedness
In this blog post, we analyse Germany's Statutory Health Insurance and its lessons for health systems design.
This case study analyse Thailand's strategic purchasing and explain their health system financing
In this blog post, we answer the first two questions. In the next post, we shall present a principle-based approach that the RBI may adopt, thus answering the third question of how the current regulations should be amended or augmented to enhance their efficacy.
he microfinance movement in India is set to receive another dose of impetus with the Reserve Bank of India’s (RBI) recently released Consultative Document on Regulation of Microfinance in June 2021. Following the Malegam Committee Report, which is a decade old now, the current document looks to reassess and realign the priorities of the sector.
In this policy brief, we evaluate the design and operation of the public credit guarantee schemes for MSMEs present in India, the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) and the Credit Guarantee Fund for Micro Units (CGFMU), against the principles developed by the World Bank Group (WBG) and Financial Sect
CoWIN has been developed as a digital platform to support Covid-19 vaccination efforts in India. While most are familiar with the interface for citizens to book vaccination slots, CoWIN also supports multiple other functions.
In all our research efforts, we strive to maintain an independent voice that speaks for the low-income household and household enterprises. Our ability to perform this function is significantly enhanced by our commitment to disseminate as a pure public good, all the intellectual capital that we create.
