Dvara Research is a not-for-profit policy research and advocacy institute whose primary mission is to ensure access to financial services for all individuals and enterprises.

In this post, we examine some questions with respect to India’s minimum wage laws, in light of the Code on Wages, 2019 and the Draft Wages Code Rules, 2020

The Social Protection Initiative organised a closed-door virtual roundtable discussion on social security for self-employed workers

In the wake of COVID-19 related lockdown and the resultant impact on the financial lives of millions of households, the Reserve Bank of India (RBI) approved a series of regulatory measures, which among others, enabled lending institutions to provide their borrowers with a 6 month-repayment moratorium on term loans. A debt moratorium at this scale […]

This policy brief examines the implications of debt moratorium in the context of microcredit

This post is part of a series of guest posts on social security for self-employed workers in the informal economy

Financial inclusion is a key aspect of sustainable economic growth. It helps households mobilise savings, smooth consumption and manage risks throughout their life cycles.

On August 30, Paytm Mall allegedly suffered a massive data breach after being targeted of a group of hackers. The allegations were made by Cyble, a US cyber-risk intelligence firm. These were immediately denied by Paytm Mall, which, in turn, threatened to take legal action against Cyble. Meanwhile, customers and vendors have no way of verifying whether a breach occurred, or if their data has been compromised,

In this post, we highlight how in the face of widespread loss of income, households relied on an informal economy, often at high costs