Independent Research and Policy Advocacy

Natasha D’cruze Dvara

Natasha D’cruze

Research Associate
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Natasha D’cruze is a Research Associate with Household Finance Research Initiative. She has a Master’s in Development Economics from SOAS, University of London, and an undergraduate degree in Economics from Delhi University. 

She has worked as an action researcher on the digital and Aadhaar-based delivery mechanism of social welfare schemes in Jharkhand, where she did field research and collaborated with civil society organisations and village communities to help advocate for better local accountability. Natasha is interested in learning how to strengthen Universal Healthcare delivery in India and has worked on the ground level to study the PMJAY in Jharkhand.

She has explored topics in evaluating development through the Capability Approach lens during her engagement with the Oxford Poverty and Human Development Initiative (OPHI).  She has also taken part in a project concerning the hurdles in accessing the Last-Mile Delivery of NREGA payments and its impact on financial inclusion measures for poor households.

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April 11, 2023 | Dvara Research

In this blog, we focus on the supply side of the equation, exploring the literature detailing the issues CICO agents face in offering uninterrupted CICO services. Agents who provide CICO services often encounter significant obstacles that hinder their capacity to assist customers effectively.

February 13, 2023 | Dvara Research

Despite significant policy support for financial inclusion, there is little evidence about what has been achieved by way of knowing which households and individuals are financially included, or what is the impact of such inclusion on these persons.

By Natasha D’cruze, Dr. Indradeep Ghosh, Geetika Palta, Misha Sharma, Susan Thomas
January 30, 2023 | ThePrint

Low-income households seek loans often, but credit is suitable if it helps sustain or improve financial well-being. This is what must be ensured by lenders, regulators & policymakers.

By Natasha D’cruze, Rakshith S. Ponnathpur
November 3, 2021 | The Hindu Business Line

It is an important tool for agrarian families to manage and mitigate their risks

August 11, 2021 | Dvara Research

This brief reviews the literature on the finances of platform workers in India and around the world.

By Natasha D’cruze, Asmita Chatterjee, Anupama Kumar, Rakshith S. Ponnathpur, Anubhutie Singh
May 27, 2021 | Dvara Research

As part of the 5th Dvara Research Conference on Household Finance primer series, in this post we discuss the theme ‘Household Portfolios’