Fighting Malaria with Microfinance: A Case Study on Biswa Microfinance Utilizing Microcredit Contracts to Increase the Use of Insecticide Treated Bednets

Dan Kopf | January 17, 2008

This case study sheds light on BISWA microfinance’s pilot project in which they offered self-help group (SHG) members across 50 villages the opportunity to purchase ITNs through cash or credit contracts. The case study focuses on the process of developing … Read More

The Importance of Hold-up in Contracting : Evidence from a Field Experiment

Rajkamal Iyer, Antoinette Schoar | January 16, 2008

This paper explores how the relationship specificity of an investment affects the ex-ante structure of contracts and the ex-post resolution of an ensuing hold-up problem.

Cost-Benefit and Usage Behaviour Analysis of No Frills Accounts: A Study Report on Cuddalore District

S. Thyagarajan, Jayaram Venkatesan | January 15, 2008

This report presents insights from a study that aimed to analyze the results of the no frills financial inclusion drive in Cuddalore district of Tamil Nadu in terms of coverage by geographical and other categories, cost involved in account opening … Read More

Weather Insurance, Price Information, and Hedging: Helping the Poor Manage Risk

Shawn Cole, Raghabendra Chattopadhyay, Stefan Hunt, Jeremy Tobacman, Petia Topalova | January 14, 2008

This brief presents insights from a research project that explores the impact of a complementary pair of products that will enable poor farmers to better manage agricultural risk, especially by helping them accumulate assets and increase productivity even in the … Read More

Repayment Frequency and Default in Microfinance: Evidence from India

Erica Field, Rohini Pande | January 12, 2008

In stark contrast to bank debt contracts, most microfinance contracts require that repayments start nearly immediately after loan disbursement and occur weekly thereafter. Even though economic theory suggests that a more flexible repayment schedule would benefit clients and potentially improve … Read More

India’s Parliament as a Representative Institution

Jessica Wallack | January 11, 2008

This article looks at the institutional framework for parliamentary debate in India in comparative perspective. Participation in debate and policymaking is fundamental to representation, yet most of India’s representatives have limited resources and opportunities to do so in comparison to … Read More

Meeting the Needs of the Unbanked in Jharkhand

Mary Albino, Sarita Subramanian | January 10, 2008

To better understand Jharkhand’s challenges in achieving financial inclusion and economic growth, this case study gathers a wide range of perspectives on the status and future potential of expanding the outreach of financial services in the state’s banking and non-banking … Read More

Use of Smartcards to Deliver Government Benefits in Andhra Pradesh

Doug Johnson | January 9, 2008

Since late 2007, Indian technology company Financial Information Networks and Operations (FINO), in collaboration with the state government of Andhra Pradesh and several partner banks, has delivered payments from two separate government programs – the National Rural Employment Guarantee Act … Read More

Geographic Distribution of Microfinance Services in India, 2007

Doug Johnson | January 8, 2008

IFMR LEAD systematically collected district-wise data on number of active borrowers and loans outstanding for several of India’s largest MFIs over three years as part of its Map of Microfinance project sponsored by the Swiss Agency for Cooperation and Development. … Read More

Microfinance Bill 2007

Minakshi Ramji, Yusuke Taishi | January 7, 2008

On 20th March 2007, the Union Government introduced the Micro Financial Sector Development and Regulation Bill 2007 in the Lok Sabha – the lower house in the parliament of India. If passed, this bill may change the way in which … Read More