This policy note presents insights from a study that examines the impact of introducing flexibility into microfinance repayment schedules, specifically through adding a two-month grace period.
Financial Well-being and Social Protection
Microfinance and Social Capital
This brief presents preliminary insights from a study in peri-urban of Kolkata on the role of social capital in group lending models.
Equity Investment in Indian Microfinance: A Guide for Practitioners
Doug Johnson, Michael Chasnow
In this paper, the authors document the recent rise in equity investment in Indian microfinance and describe the process of obtaining equity financing and working with investors in detail. The authors also briefly describe two new alternative methods of financing … Read More
Financial Inclusion in Gulbarga: Finding Usage in Access
Minakshi Ramji
The paper presents insights from a study to assess the implementation of the financial inclusion drive and usage of banking services by households in Gulbarga district in Karnataka, one of the locations that claimed to have achieved 100% financial inclusion.
Business Correspondent Model: A Preliminary Exploration
Binit Rath, Minakshi Ramji, Alexandra Kobishyn
Since its inception in 2006, various banks have promoted the BC model in all corners of the country, though few of these efforts have scaled up beyond modest pilots. There is scarce documentation on how these pilots work in the … Read More
Cost-Benefit and Usage Behaviour Analysis of No Frills Accounts: A Study Report on Cuddalore District
S. Thyagarajan, Jayaram Venkatesan
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
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
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
Meeting the Needs of the Unbanked in Jharkhand
Mary Albino, Sarita Subramanian
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
Geographic Distribution of Microfinance Services in India, 2007
Doug Johnson
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
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