Debt Distress Protocols
An action project to help financial service providers detect debt distress among their borrowers and administer interventions to alleviate distress. To read full report, Click here.
Does moratorium affect loan repayment behaviour?
Governments and lenders provide loan moratoria to help struggling borrowers, particularly during an economic crisis. While it can provide relief to borrowers, such a policy also has a possibility of inducing moral hazard among the beneficiaries.
Identification & Alleviation of Over-indebtedness: Introducing the Debt Distress Protocols Project
An action project to help financial service providers detect debt
distress among their borrowers and administer interventions to
alleviate distress.
Must Shylock Receive His Pound Of Flesh? An Ethical Inquiry Into The Insolvency And Bankruptcy Regimes For Natural Persons
T he Insolvency and Bankruptcy Code, 2016 (Code) is the umbrella legislation for
insolvency resolution of corporate persons, partnership firms and individuals
A Report on Addressing Debt Distress in a Post COVID World
Access to credit enables an individual and her household to achieve financial well-being and results in economic welfare outcomes for the entire society. However, excessive debt diminishes all developmental gains, and negatively impacts overall economic growth and stability.
Insights from the All-India Debt and Investment Survey 2019
NSSO’s latest Debt and Investment survey points to significant disparities in net worth among Indian households
In this post, we find that the distribution of net worth is skewed as there is a higher concentration of households with lower levels of net worth. It is also seen that households better integrated in the formal financial system enjoy a higher net worth compared to households that are not.
Even Before Pandemic, Debts Had Soared By 84% In Rural & 42% In Urban India
The pandemic-led economic crisis has exacerbated the rising indebtedness among India’s poor households, and could push more families into a debt trap
Addressing Borrower Distress- A Principle-based Approach
In this post, to help enhance the efficacy of relevant frameworks, we lay out the key principles that the two primary actors, the banking sector regulator and the regulated lenders, must be guided by while designing policies to tackle debt distress caused by severe economic shocks.
How Microcredit Borrowers Availed the COVID-19 Debt Moratorium: A Case Study
In this blog post-through a case study, we analyse how microcredit borrowers availed the debt moratarium and through that identify how much they may have been impacted by COVID-19 and lockdowns.