Financial Well-being and Social Protection

In this paper, the authors explore the hypothesis that traditional joint-liability microfinance programs fail to increase borrower incomes in part because they cannot screen out unproductive borrowers. In randomly selected villages in West Bengal, India, a study was implemented in … Read More

This report presents findings from a study that seeks to understand current income levels of farmers in the state, and understand the necessary actions and focus areas that needs to be prioritised. This also provides an opportunity to assess strategies … Read More

This report presents findings from a study on the performance of models for individual lending in microfinance, conducted in Mysore and Allahabad.

In this report, the authors evaluate the factors currently shaping the adoption of digital financial services by emerging consumers in India and assess the crucial role that frontline banking agents play in helping to successfully transition their clients to digital … Read More

The digital revolution in India is well underway and there is a need to understand the adoption and usage of digital platforms on the ground. This report presents findings from a study of micro-merchants conducted in five cities: Jaipur, Kanpur, … Read More

This report captures lessons from a landscaping study on digital financial services in India and includes a repository of technology service providers operating across different sectors.

In this handbook, we bring forth perspectives from consumers – those who are at the receiving end of digital financial inclusion. We profile 12 categories of consumers based on gender, region of work (rural/ urban) and age group, and highlight … Read More

In this handbook, we bring forth perspectives from consumers – those who are at the receiving end of digital financial inclusion. We profile 12 categories of consumers based on gender, region of work (rural/ urban) and age group, and highlight … Read More

The report encapsulates results of a study on the impact of a microcredit product called “Happy Loans” on the business and family fronts of its clients, as well as on the extent of (digital) financial empowerment of this group.

In this paper, the authors examine the role of management in agricultural productivity, by evaluating a mobile-phone based agricultural advice service provided to farmers in India. Demand for advice is high; and advice changes practices, increasing yields in cumin (28%) … Read More