The Report of the Committee on Comprehensive Financial Services for Small Businesses and Low Income Households (CCFS) was submitted to the Reserve Bank of India (RBI) in January this year.
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Dvara Research’s Household Finance Research initiative aims to rigorously understand the financial choices and decisions of low-income or excluded individuals and households, and their relation to achieving households’ objectives. It has been our consistent endeavour to study financial inclusion as a gateway to a suite of appropriate financial services eventually enabling well-rounded household balance sheets and consumer financial well-being.
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The Report of the Committee on Comprehensive Financial Services for Small Businesses and Low Income Households (CCFS) was submitted to the Reserve Bank of India (RBI) in January this year.
This post is the third in a series on Social Security for the Indian Unorganised Sector.
This post is the second in a series on Social Security for the Indian Unorganised Sector.
This post is the first in a series on Social Security for the Indian Unorganised Sector.
Imagine you are a labourer in a village in Odisha and have painstakingly completed your Aadhaar formalities (for which you gave a proof of permanent address and your fingerprints).
Financial inclusion and financial deepening have an important role to play in promoting economic growth and reducing poverty and inequality, while mitigating systemic risk and maintaining financial stability.
Microfinance has long been seen by many as a panacea for fighting poverty by providing access to financial services to low-income population considered unbankable by the traditional financial system.
The current regulatory approach to customer protection in India can be divided into two complementary ex-ante approaches- mandated information disclosure, and financial literacy and education.
Continuing from an earlier post, this post highlights the CCFS recommendations around various bank and non-bank channels that will serve to deliver a ubiquitous payments network and universal access to savings.
The recently released volume on urbanisation titled “Urbanisation in India” edited by Dr. Isher Ahluwalia, Dr. Ravi Kanbur and Dr. P. K. Mohanty, contains a chapter authored by Vikram Kapur, Commissioner of Chennai, and me, dealing with the practice of Public Private Partnerships (PPPs) in urban infrastructure in India.
In all our research efforts, we strive to maintain an independent voice that speaks for the low-income household and household enterprises. Our ability to perform this function is significantly enhanced by our commitment to disseminate as a pure public good, all the intellectual capital that we create.
