Three issues that the RBI must prioritize as it seeks to revise MFI regulations. While the prescriptive nature of these regulations has helped by setting in place core systems, processes and an overall structure towards better compliance, there is a growing concern over the capability of the current regime to effectively protect borrowers from over-indebtedness.
Our Response to the Reserve Bank of India on the Discussion Paper
It provides no guidelines to account for minimum consumption by households, despite Supreme Court rulings on this.
RBI would do well to rethink its strategy of improving policy transmission by linking retail loans to external benchmarks.
On the 2019 Nobel Prize in Economic Sciences awarded to Abhijit Banerjee, Esther Duflo and Michael Kremer.
Information from individuals is often stated to be the fuel that will power our new digital economy. As India powers into the information age, a key issue facing policymakers is the regulation of the use of this personal information.
Inaugural Dvara Research Blog Competition 2019
Dvara Research Policy Brief - Implementing the Personal Data Protection Bill in India
Insights on Non-Personal Data (NPD)
Regulators and even the government have off-late been invested in understanding the landscape of fintech activities and devising an appropriate response to its attendant risks and opportunities.
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.
