Author Archives: admin

“I don’t earn enough to save!”, “I have too many debts!”, “I think savings require a huge amount to be set aside”. How often do one come across these statements? In my experience as well as from what I have … Read More

Courtesy: First Southern National Bank Barring a few committed ones, we all struggle to save more towards our future expenses, vacation expenses, retirement savings, kids’ college tuitions and so on. Reasons cited by literature range anywhere from lack of self-control, … Read More

In ourfirst post in this series, we discussed the key advantages of the BC model and the reasons that it should succeed as an apex financial inclusion tool. However, as we stated in our second post, the model has not been performing … Read More

[Terminology Used: Agents or Customer Service Points (CSPs) – Individuals, shops or other outlet points responsible for direct contact with clients. They open bank accounts, check Know Your Customer (KYC) requirements, carry out money transfers and transactions and in some cases, extend … Read More

Today, we begin a series on the Business Correspondent (BC) model based on findings from CMFs on-going studies and external research on the sector. For starters, what are the particular advantages of using information and communications technology (ICT) based correspondents … Read More

Well, this week has been festive not just as per the Indian calendar alone, the weather in Madras has been rather pleasant with consistent rainfall. However, consistent rainfall in India does have its share of problems that it brings – … Read More

The following blog intends to familiarize our readers with the kind of partner organisation, CMF works with. The references of these articles have been taken from the HiH annual report. Picture Courtesy: Hand in Hand website   Hand in Hand … Read More

Drawing by Samira Jain I have not taken any photos of any of my field experiences in Bihar, mostly due to an inexplicable sense of discomfort in taking photos of people and their surroundings (even when they’re not study respondents … Read More

India’s public expenditure on agriculture is one of the highest in the Asian region; yet, agricultural productivity remains relatively low. The main policy instrument used for domestic agriculture seems to be focus on some form of a subsidy.  More than … Read More

The previous blog about the ongoing project in Satara, “Economics and Psychology of Long Term Savings and Pensions” was an introduction to why time-preference inconsistency is important and how it may manifest itself. The current blog will attempt to describe … Read More