Development of rural credit systems have always been a complicated affair and this is clear from India’s history. Intermittent failure of monsoons, unscientific farming practices and rural indebtedness, seasonal need for credit and other risks has ensured that high interest … Read More
Blogs
MFIs: Creating Slaves to Microfinance or Becoming the Saviors?
Surabhi Agrawal | February 11, 2013
With an even-fisted force in the air, he yells, “We are not a slave to your microfinance!” and storms off to the back of the house, leaving twenty-three clients, one collection officer, and two surveyors in a small room shyly … Read More
Why do Farmers Need More Loans?
LEAD Research Team | February 11, 2013
Agriculture finance is the most crucial aspect for any farmer in a country where 60% of population depends on farming. India is also one of the largest producer of food grains and cash crops as well as the largest consumer … Read More
Data Everywhere and Nowhere to Go
LEAD Research Team | February 6, 2013
The current GIZ-NABARD-CMF study is being conducted in 4 states (Tamil Nadu, Maharashtra, Punjab, and West Bengal). The study explores general and policy-specific questions regarding agricultural financing in India. Broader research questions in the study look at the structure of … Read More
Agricultural Financing Theme Special – Feb to Mar 2013
LEAD Research Team | February 4, 2013
If one were to look at the CMF Publications list, especially the factsheets, one would find a factsheet pertaining to the topic mentioned above. We at CMF will be focusing on this topic: Agricultural Financing exclusively over the next two … Read More
Lest We Forget
Shashank Kumar | February 4, 2013
To my mind, the biggest challenge of social science research using survey data is reconciling the rigours of mathematical analysis with the gymnastics of developing intuitive inferences about the nature and dynamics of everyday social reality. Few things illustrate this … Read More
Newsletter Article: Issue #18 – Compelling to Save
Parul Agarwal | January 31, 2013
Saving has lately been recognized as an inevitable instrument of financial inclusion. But this financial behaviour needs to be judicious as undisciplined saving traps people in the vicious circle of poverty that results in accumulated debt. For low-income households, situations … Read More
Newsletter Article, Issue #18: Saving against all Odds – A Savings Story from the Field
Sitaram Mukherjee | January 31, 2013
This is the inspiring story of an ordinary housewife who rose above her position and succeeded in making her life worthwhile. Hailing from Narpatpur, Varanasi, Gita Devi was just another regular housewife whose job description included looking after her family … Read More
Newsletter Article, Issue #18: Know the Organization – Centre for Advanced Financial Research and Learning (CAFRAL)
LEAD Research Team | January 31, 2013
An interview with Mrs. Usha Thorat, Director, CAFRAL. In this issue, we get to know more about CAFRAL’s aspirations and future plans in the area of Financial Research. Usha Thorat, former Deputy Governor, Reserve Bank of India, took over as … Read More
Newsletter Article, Issue #18: Avaaj Otalo: Evaluating the Effectiveness of a Mobile-based Extension Service
Ishani Desai | January 31, 2013
It is estimated that more than half of the Indian labor force is engaged in agriculture. Given this, India’s productivity in agriculture is still quite low. For example, India is the second largest producer of cotton in the world, after … Read More
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