Progress towards climate change goals often falter over a familiar stumbling block: financing. India’s climate finance requirements are enormous and we are looking for a combination of domestic public financing, private financing and international climate finance to meet our needs. … Read More
Publications
The Urban Poor and their Money: A Study of Cycle Rickshaw Pullers in Delhi
The study explored the financial behavior of cycle rickshaw pullers in Delhi to assess their strategies and choices in saving, storing and remitting their money and the challenges and the constraints they faced in managing their money and livelihoods.
Rethinking Reserve Bank of India (RBI) Regulations for MFIs
CMF coordinated this study in collaboration with five MRAP professors. The primary focus of this study was to investigate the borrowing practices of existing microfinance clients, inclusion within a formal banking system, and spending patterns in relation to microloans. Furthermore, … Read More
Microfinance Researchers Alliance Program (MRAP) – Programme Report
The MRAP Report details the capacity building program of CMF conducted over the last three years. This document summarizes the activities covered under Microfinance Researchers Alliance Program (MRAP)- a research capacity development programme funded by Ford Foundation in the span … Read More
Incidence of Loan Default in Group-lending Programme
This report explores the reasons and costs of hidden loan delinquency, despite high group repayment rates prevalent in the group lending mechanism. In a Joint Liability Group, if one of the members fails to repay a loan fully, the responsibility … Read More
Impact of EKO’s Simplibank on the Saving Behaviour and Practices of Low-income Customers: The Indian Experience
This report presents insights from a study that aims at understanding the impact of EKO’s mobile money on the savings behavior and practices of low income users and its transformative potential on the economic lives of the users in terms … Read More
Five Years of Researching Financial Services for the Poor
This report, a collection of key CMF studies conducted over the last five years, is meant to serve as a reference document for policymakers, practitioners, researchers and others interested in financial services for the poor. More specifically, the studies presented … Read More
Multiple Loans: How Frequently do Rural Poor Opt for Multiple Borrowing?
This study throws light on the patterns of multiple borrowing that was prevalent in Andhra Pradesh. Following up on the Access to Finance Study, CMF visited 428 households in two districts of Andhra Pradesh. 36% of 428 households (153 households) … Read More
Futures Prices Information for Small and Medium Farmers
This policy paper reports on a series of interventions designed to enable farmers to use information from futures markets with the goal of helping them improve agricultural planning and decision-making, reduce their risk exposure, and increase harvest time revenue.
Rethinking RBI Regulations for MFIs
This policy note reviews recent amendments to RBI regulations, and examines whether these regulations align with the requirements of microfinance clients. The note also puts forth recommendations for reforming guidelines regarding the eligibility of MFIs for priority sector lending.