Why customer protection is central to financial inclusion
India needs a robust and comprehensive financial customer protection regime, which it currently lacks. Imagine the following scenario. Raja and Rani are a low-income householder couple with two children in elementary school. They also take care of Raja’s ailing mother. The household’s monthly income is ₹20,000.
Insuring Low-Income Households- Why disclosure matters
In this deck, we discuss some factors influencing life insurance take-up, the problem with endowment life insurance for the low-income segment, and how better disclosures could be the first step in helping households choose the right insurance product for them.
What should social protection do?
In this post, we set out our vision for what social protection in India should aim to do, and then pose some questions on how we might achieve this.
What is Social Protection?
Blog post series: This series of posts will attempt to do two things – first, to examine the definitional boundaries of social protection and where they relate to other financial services for low-income households, and second, to use this to arrive at a working definition of social protection for policymakers and research organisations such as Dvara Research. As a first step, we break down a few questions in this first post.
The State of Social Pensions in India
The second post in our three-part series on Pensions.
Priorities for Social Protection in India
Launching the Social Protection Initiative at Dvara Research
Are we protected enough?
Research on Life insurance coverage and metrics used to measure
Building Natural Catastrophe Protection for Low-income Households – Notes from the Joint Workshop hosted by Asian Development Bank and IFMR Holdings
Natural catastrophes, whether in the form of the severe drought that regions like Bundelkhand are currently witnessing or floods, like the one which deluged Chennai in 2015, leave behind them a tale of destruction that is both unparalleled and deeply disturbing
Understanding Voluntary Pension Contributions by Informal Sector Workers
Financial inclusion is a priority area in the minds of policy makers in India. The larger focus of this debate has been on access to credit and insurance.
Field Report on the Impacts of Cyclone Phailin
The twin calamities
A few weeks ago, Bindu and I visited Dhanei KGFS that serves the districts of Ganjam and Khurda through a network of thirty branches.
