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
Blogs
Shanti’s Savings Story – Moving from Informal Finance to Formal Finance
LEAD Research Team | November 12, 2012
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
Why can’t Saraswati Save? Understanding her Dilemma!
Saraswati- an urban maid making Rs. 7,000/ month dreams of sending her children to college one day. Whenever asked why she is working, she proudly replies, “so that my children get better education”- yet- she fails to save a lump … Read More
Who are We Saving? What are We Saving?
LEAD Research Team | November 5, 2012
“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
Can “Text Messages” from the Bank Help you Save More?
LEAD Research Team | November 2, 2012
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
Analyzing the BC Model (Part III) Why isn't it Working? – Asymmetry Between the Model and Agent/Client Needs
LEAD Research Team | November 1, 2012
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
Analyzing the BC Model (Part II) Why isn’t it Working? – Dormancy of No-Frills Accounts
LEAD Research Team | October 29, 2012
[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
Analyzing the Business Correspondent Model (Part I) – Why BCs?
LEAD Research Team | October 25, 2012
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
Treated Bednets – Dealing with Mosquitoes: Where is the Problem?
LEAD Research Team | October 24, 2012
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
Hand in Hand- Profile of CMF's Partner Organisation
LEAD Research Team | October 19, 2012
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
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