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
IFMR LEAD | January 7, 2006
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.
Deepti Kc | March 21, 2005
This brief captures lessons from a study that seeks to improve women’s awareness about savings products.
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.
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.
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.
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.
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.