Tag: Exclusion

Access to suitable credit could enable growth-oriented nano-enterprises to invest in productive assets, adopt new technologies, smooth working capital cycles, and expand their scale of operations.

This paper argues that institutional stability and change in social protection policy in India are best explained through the explanatory power of ideas and the interactive processes of discourse. However, traditional institutionalist theories, whether rational choice, sociological, or historical, tend to underplay the role of ideas and discourse as drivers of institutional stability and change.

In this blog, the author has attempted to summarise the vast literature on the determinants of financial inclusion using a framework developed by Moscona et al (2026).

This is Part 3 of a 3-part series on the recently released NCAER-MFIN report, “Assessing the Effectiveness of Regulated Small Borrowing in India”. In this blog, we examine issues related to measurement and empirical strategy.

This is Part 2 of a 3-part series on the recently released NCAER-MFIN report, “Assessing the Effectiveness of Regulated Small Borrowing in India”. In this blog, we turn to some of the broader claims advanced in the report regarding the wider benefits of microfinance and assess whether these claims hold up when situated in a broader empirical context.

This is Part 1 of a 3-part series on the recently released NCAER-MFIN report, “Assessing the Effectiveness of Regulated Small Borrowing in India” (March 2026).

This blog critically examines the concept of the “gender gap” in financial inclusion by distinguishing between unconditional differences and those that persist after controlling for socio-economic factors, using evidence from the Global Findex 2025 dataset

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

This report, a compilation of all our key learnings from field engagements spanning 7 states, attempts to bring the last mile to the fore of policy discussions on social protection entitlements and their delivery.

Large-scale scams in PM-Kisan suggest there’s vast leakage in DBT advantages. While inclusion errors are being tracked, exclusion should take priority.