Author Archives: admin

Nate Silver –the man who challenged American political pundits to follow math– not their guts. I might sound full of pride- but this is probably that time when all researchers are probably finding some Nate Silver in themselves.   Picture … Read More

As part of the savings month, we at CMF have also been reading and discussing various academic papers. Last week, I happen to lead the discussion on a paper that dealt with the aspect of commitment savings. Given that farmers … Read More

In my last post, I raisedquestions about the measures to reduce corruption in a program of immense scale like MNREGA. This week, I want to shift the focus a little by trying to point out where exactly one form of … Read More

Picture Credit: http://www.openthemagazine.com/ My name is Shanti and I live in 15 kms outside Varanasi. I have a small family with 3 children – Ruby who is 8, Rahul who is 7, and Rishu who is 1.5 years of age. … Read More

“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