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Why Government’s Rush to Use Aadhar-linked Benefit Transfers Could Derail the World’s Largest Unique ID Project

LEAD Research Team | December 4, 2012

A few days ago, Prime Minister Manmohan Singh declared that from January 1st, the government would start using Aadhaar linked bank accounts to transfer government benefits under 29 schemes in 51 districts across 16 states, taking on an unprecedented challenge. … Read More

Understanding Savings Monitors

LEAD Research Team | November 30, 2012

In January this year, four of us made our way into a little hamlet called Beerasandra, in Kolar District in Karnataka. This was to be the first Pilot Village of the Savings Monitors Project. We had already identified individuals who … Read More

Microfinance India Summit 2012: “Financial Streams Dry Up!”

LEAD Research Team | November 27, 2012

Behind the slightly catastrophic title of one of this morning’s break-up sessions stood a very interesting problematic. Indeed, the panel conducted by Vineet Rai, an equity investor specialized in microfinance investments, was set to address three questions that are fundamental … Read More

SPARK Presentation: Savings Products – Understanding What Works

In this Spark session, Nikhil & Kenny throw light on how behavioral economics and  observations from studies on marketing and technology can be used in designing better savings products for lower income communities. The session also highlights features of savings … Read More

Understanding Chhattisgarh’s Livelihood Landscapes Through PRADAN’s Initiative

Samik Adhikari, Deepti K.C. | November 26, 2012

In a series to understand the ground realities of livelihood opportunities for the poor, CMF is currently interviewing a set of recognized practitioners. In our first episode, we feature Saroj Mahapatra, Programme Director, PRADAN – Chhattisgarh. PRADAN is a non-government, … Read More

Is Safe Box all you Need to Save Towards the Next Savings Goal?

LEAD Research Team | November 20, 2012

Helping the poor save more towards a specific goal, could be as simple as providing them a safe, secure device for savings – something as simple as a Piggy Bank or a Safe Box.  Sounds too simple?  Based on a … Read More

Analyzing the BC Model (Part IV) – Policy Recommendations to Improve its Functionality

LEAD Research Team | November 19, 2012

[Terminology: Banking Facilitators (BFs) disseminate education on bank products and collect documents from clients on the bank’s behalf, along with offering a host of other products.]   Our first post in the series discussed the significant advantages of using information … Read More

Financing Higher Education in India – Education Loans can never be the Only Solution

LEAD Research Team | November 18, 2012

In my previous blogs, I have spoken in great length about the need for public expenditure in higher education. In this section, I would like to highlight one of the most preferred options for financing higher education in India, namely … Read More

Problems with Financing Higher Education in India

LEAD Research Team | November 18, 2012

The debate surrounding around the issues with financing higher education is primarily because ‘education’ is considered to be a quasi- public good. It is a public good because the benefits out of it largely affect society through human capital formation … Read More

How is Higher Education Financed in India?

LEAD Research Team | November 16, 2012

Within the economics literature, education is considered to be one of the classic public goods (Grace, 1989). Public good is a good where benefits of engaging in the activity are accrued not just to the individual, but to society at … Read More