RBI must accommodate fintech innovations, not ban them
An RBI Working Group has suggested that lending service providers be disallowed from providing credit enhancements such as FLDG (first-loss-default-guarantee). However, a risk-proportionate regulation of FLDG could address its risks, while allowing the ecosystem to benefit from innovation.
What Two New Surveys Say About the State of DBT’s Last Mile Woes
In India, the direct benefit transfer (DBT) system has gained enormous acceptance as a method of delivering welfare to the most deserving. It has been the main instrument of governments’ social protection response to the COVID-19 pandemic.
Health Savings Accounts for India – Another string in the bow?
The study is authored by Aarushi Gupta, senior research associate at Dvara Research. Bindu Ananth, co-founder and chair of Dvara Trust. Bindu Ananth and Hasna Ashraf are fellow, Lancet Citizen’s Commission on Reimagining India’s Health Systems.
Loan Rejection Rate for Women-run Business 2 Times Higher than Men. Formal Finance Bias Needs Fixing
Even when women are not the primary borrowers of formal finance, studies note that they remain responsible for ensuring timely repayments.
Making digital finance work for women
Digital formal finance can potentially reduce the physical and social distance b ..
Read more at:
https://bfsi.economictimes.indiatimes.com/blog/making-digital-finance-work-for-women/90052605
Why agritechs are complimentary to FPOs in agricultural value chain
India needs to carefully assess its capacity, need and social context while choosing its own path towards not just greater agricultural productivity and better farmer welfare but also ecological sustainability.
Designing Health Systems
Health systems are extremely complex, with multiple interacting components which can lead to varied outcomes depending on the context in which
they are placed. Building a systematic understanding is then essential for
designing health systems and reforming existing ones.
Watch: Reform Pathways for India’s Healthcare Financing
In India, nearly 65% of the healthcare spending is out of pocket by individuals. The remaining 35% is highly fragmented and comes from a number of central and state government funds, and insurance companies. The unprecedented healthcare crisis caused by the pandemic has brought a number of concerns about the effectiveness and sustainability of the healthcare system to the forefront.
The Need to Explore the Finances of Platform Workers
In recent months, there have been several reports on platform workers demanding greater worker rights in India.
Complex vs simple financial instruments: What is in best interest of customer?
Complex financial instruments and products can help consumers to meet their precise financial needs even if they are opaque in their design details due to the underlying mathematical principles. Regulators need to understand that restricting complexity in design is not in the best interests of the consumer.
