Publications

Reaching the Other 100 Million Poor in India: Case Studies in Urban Microfinance

IFMR LEAD | January 7, 2006

This study combines several independent CMF studies with six prominent microfinance institutions that operate in urban areas. These case studies identify innovative practices among these institutions, including strategies used for broad basing their clients, examining the array of financial services offered to the urban poor, and discussing the challenges and opportunities that remain in urban microfinance. Six institutions are analyzed in this study, specifically: Ujjivan, SEWA Bank, Working Women’s Forum (WWF), Indian Bank’s Microsate Branch, Village Welfare Society (VWS), and

Sea Level Rise: Impact on Major Infrastructure, Ecosystems and Land Along the Tamil Nadu Coast

Sujatha Byravan, Sudhir Chella Rajan, Rajesh Rangarajan | March 22, 2005

This report concentrates on the impacts of sea level rise on coastal infrastructure, ecosystem and land in the state of Tamil Nadu, India. It aims to highlight the financial implications of sea level rise on existing and proposed infrastructure along the Tamil Nadu coast and to provide thereby an “early warning” of the implications of indiscriminate development close to the shoreline.

Innovative Ways to Improve the Savings Habit of Women

Deepti Kc | March 21, 2005

This brief captures lessons from a study that seeks to improve women’s awareness about savings products.

Filling the Gap: Innovative and Interactive Ways to Increase the Savings of Rural Women in India

Deepti KC, Mudita Tiwari, Vanya Mehta, Spandana Bhattacharya | March 20, 2005

This report presents findings from a study conducted as an experiment in Bihar, an eastern state of India, with 203 women, many of whom were a part of Self Help Groups (SHGs). The authors tested context-specific Financial Education (FE) to understand whether these modules help women become more aware of their savings habits.

Financial Literacy Education for Migrant Workers

Mudita Tiwar, Deepti Kc | March 19, 2005

This handbook contains context-specific financial literacy modules that aim to address the knowledge gaps about financial products and services among migrant workers.

Financial Literacy for Women Entrepreneurs

Mudita Tiwar, Deepti KC | March 18, 2005

The research was aimed at understanding the social, cultural and economic factors influencing modes of payments (cash versus electronic) used by small scale entrepreneurs. The findings indicate a strong preference for cash, which is a culturally accepted payment mode for business transactions.

The Efficacy and Financial Sustainability of Mobile Phone-based Agricultural Extension

Shawn Cole, Nilesh Fernando, Tarun Pokiya, Hee Kwon Seo, Niriksha Shetty | March 16, 2005

This policy brief describes lessons from a large-scale field experiment that has delivered mobile-phone-based agricultural information to cotton farmers in western India.

Informing Policy: Gender Differences in Health Outcomes

Parul Agarwal, Misha Sharma | March 15, 2005

This policy note summarises key findings from a study that attempts to examine whether there exists gender differentials in the seeking and treatment of eye care.

Improving the Use of Health Products: A Sales Experiment with Chlorine Tablets in India

Camille Boudot, Anita Mukherjee | March 14, 2005

In this paper, the authors present findings from a study that tested a door-to-door marketing intervention aimed to increase use of a tar- geted health product, in our setting chlorine tablets for drinking water purification. Specifically, they examine three treatments in which this good is: (1) sold alone, (2) sold alongside a familiar and cheaper side good that is priced at its retail value; and (3) sold alongside the same side good that is priced on a promotional offer.

Repayment Flexibility in Microfinance Contracts: Theory and Experimental Evidence on Take-up and Selection

Giorgia Barboni | March 13, 2005

This paper studies the impact of introducing repayment flexibility in microfinance contracts. The author builds an adverse selection model that predicts the existence of a separating equilibrium where lenders are able to achieve higher profits by simultaneously offering a rigid and a flexible repayment schedule, instead of just a rigid contract.