Financial Inclusion

Assessing the Impact of Credit on Micro and Small Enterprises

This evaluation assesses the impact of Dell Foundation’s investments in financial service providers that are servicing the Micro, Small and Medium enterprise sector in India. Background Micro, small, and medium-sized enterprises (MSMEs) have garnered an increased amount of attention lately and are typically referred to as the ‘backbone of the Indian economy’. Micro, Small and Medium Enterprises (MSMEs) on average account for approximately 99% of all firms, 70% of jobs, and 50-60% of value-added in the OECD area. Their contribution

Early Insights from a Digital Intervention for Women’s Collectives

LEAD at Krea University

Government entitlements are often the primary source of social protection for poor households. In Chhattisgarh, IWWAGE – an initiative of LEAD at Krea University – and Haqdarshak Empowerment Solutions Private Limited (HESPL), in collaboration with the State Rural Livelihoods Mission (SRLM) and the Bill and Melinda Gates Foundation (BMGF), are testing a tech-enabled agent-based model to promote awareness and uptake of government entitlements among SHG members and their communities. Since the project’s inception in August 2019, over 5,000 self-help group

Plugging the MSME Finance Gap in India: Assessment of investment in Vistaar Finance

This study examines the effects of Dutch Entrepreneurial Bank FMO’s investment in NBFC Vistaar Financial Services.

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Emerging Insights from Digital Solutions in Financial Inclusion

Sharon Buteau, Preethi Rao, Fabrizio Valenti

In a rapidly digitizing country, Digital Financial Services (DFS) and fintech companies hold the promise of bringing financial inclusion to the last mile. Ensuring that vulnerable and marginalized groups have access to digital finance, can substantially reduce the time spent on getting cash as well as the risks associated with holding it, and it can facilitate their inclusion in formal financial services, unlocking access to a number of financial products including credit, savings, insurance, and pension. However, several challenges need to

Tax Reforms to Increase the Viability of Business Correspondents

Fabrizio Valenti

Business correspondents (BCs) play an essential role in advancing financial inclusion and bringing financial services and products to unbanked and underbanked populations. RBI clearly recognizes and supports their role as stated in its financial inclusion strategy for 2020-2024 as well as numerous policies that have been passed with the intent to strengthen, expand, and support the BC model. This policy note, however, argues that two key taxation issues are hindering the sustainability and attractiveness of the BC model – the application

Conducting a Systematic Review: Methodology and Steps

LEAD at Krea University

Systematic reviews have gained momentum as a key method of evidence synthesis in global development research in recent times. As defined in the Cochrane Handbook on Systematic reviews “Systematic reviews seek to collate evidence that fits pre-specified eligibility criteria in order to answer a specific research question. They aim to minimize bias by using explicit, systematic methods documented in advance with a protocol.” This document provides guidelines and recommendations for conducting mixed- method systematic reviews for evidence synthesis for “gender

Gender in Agriculture and Food Systems: An Evidence Gap Map

LEAD at Krea University

The 2007-2008 global food-price crisis disproportionately affected women, particularly smallholder women farmers. The subsequent responses by governments, multilateral agencies and other institutions over the last decade do not seem to have had the intended effect of addressing underlying power imbalances in agriculture and food systems. Closing the knowledge gaps in gender and agriculture and food systems is a crucial step towards creating equitable food systems. This report presents a broader landscape of evidence across eleven identified themes in gender in

Early Insights from a Digital Intervention among Members of Women Collectives

LEAD at Krea University

Government entitlements are often the primary source of social protection for poor households. As part of our IWWAGE initiative, we are collaborating with Haqdarshak Empowerment Solutions Private Limited (HESPL) and the Chhattisgarh State Livelihoods Mission (Bihan) to test a tech-enabled platform for promoting access to government entitlements in the state. As part of the intervention, Self-help group (SHG) members are trained to use the mobile application Haqdarshak and assist citizens in their communities to apply for government benefits, in return

Financing for MSMEs: Panel Discussion Organised by GAME

Executive Director Sharon Buteau was a panellist in a webinar on ‘Financing for MSMEs’, organised by the Global Alliance for Mass Entrepreneurship India (G.A.M.E India). Speakers included: Nat Mallupillai – Director, Michael and Susan Dell Foundation India, LLP; Sanjay Thakur – Senior Banker and SME Evangelist; Ashwin Chandrashekar – Vice President of G.A.M.E India (moderator) The webinar was broadcasted on Facebook Live. The panel discussed strategies for enabling a formal credit line for MSMEs, and the challenges faced by NBFCs

Motivating Loan Officers to Improve the Provision of Financial Services to the Poor

This study explores how information on incentives can influence the performance of loan officers of Microfinance Institutions.

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