Vastness of Informality and Unprotected Risk in Indian Labour Markets
This chapter documents the growing informalization of India’s labour force and the consequences of this phenomenon for the state of social protection in India.
Household Risks, Work Choices and Asset Portfolio of Migrant Households in India
In this blog post, we analyse migrant risks and work choices
A novel way for MSMEs to lower their risk profile and access funds
This problem can be solved by link-ups with large supply chains and networks that disperse risk and place small businesses in a better position to get loans and attract equity investors.
The Risk Aggregator Model in Banking for India
India has relied on banks to drive its financial inclusion efforts. However, the high levels of NPAs in banks’ balance sheets has forced them to cut back on lending, adversely affecting the financial inclusion agenda.
Enforcing Data Protection: A Model for Risk-Based Supervision Using Responsive Regulatory Tools
The effectiveness of a future Indian data protection regime would hinge largely on the capacity and approach to supervision and enforcement. The paper discusses some novel ideas to guide the enforcement of a data protection regime.
Developing the Natural Catastrophe Risk Insurance Market for Low-Income Households in India
Natural disasters leave behind them a tale of death and destruction that affects the economy on the whole and severely impacts communities, especially low-income households, which bear its brunt.
Aggregate Risk, Saving and Malnutrition in Agricultural Households
Why is malnutrition in India’s central belt, which includes the state of Madhya Pradesh and Bihar, so high and so persistent despite relatively high rates of income growth?
Stress Testing Credit Risk of Indian Banks
In the aftermath of the Global Financial Crisis, RBI took a major leap forward and set up a new Financial Stability Unit in 2009 specifically focusing on the measures to be taken for assessment and evaluation of financial system stability in the country
Designing a Framework for Event Risk & Loss Estimation: Understanding Natural Disasters
In the previous post of this series on Event Risk & Loss Estimation, we discussed briefly the motivation and key modules of a framework for estimating capital against event risk.
Estimating the Diversity Score of a Portfolio across Multiple Correlated Sectors: Generalized Herfindahl-Hirschman Index
Diversification is an effective risk mitigation strategy for portfolio risk management.