IFMR Trust
IFMR Trust
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IFMR Trust
IFMR Trust
Blog Article

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  • Stress Testing Methodology – Brief Comparison Across Regulators
    By Nishanth K & Madhu Srinivas, IFMR Finance Foundation The below table summarises, along some key dimensions, the stress testing methodologies adopted by the central banks in India, US, UK and EU to assess the stability of their banking system. It is to be noted here that the stress tests that individual banks conduct by […]
IFMR Trust
IFMR Trust
Blog Article

New blog articles detected.

  • Aadhaar’s Potential for Financial Inclusion
    By Bindu Ananth & Malavika Raghavan, IFMR Finance Foundation We should care deeply that millions of Indians are still turning to expensive informal financial services in the face of seasonal and volatile incomes, despite years of trying to improve access to basic financial services. Any innovation with a promise to provide disruptive solutions deserves careful […]
IFMR Trust
IFMR Trust
Blog Article
IFMR Trust
IFMR Trust
Blog Article

New blog articles detected.

  • Natural Catastrophe Insurance – In Conversation with Mr. Ulrich Hess
    By Vipul Sekhsaria, IFMR Holdings In the below video we share a brief conversation with Mr. Ulrich Hess, GIZ. Mr. Hess is currently a Senior Advisor, InsuResilience Initiative at GIZ, and has worked extensively in the field of natural catastrophe risk insurance market. In the video he shares his insights on the impact of natural […]
IFMR Trust
IFMR Trust
Blog Article

New blog articles detected.

  • Developing the Natural Catastrophe Risk Insurance Market for Low-Income Households in India
    By Vipul Sekhsaria, IFMR Holdings Natural disasters leave behind them a tale of death and destruction that affects the economy on the whole and severely impacts communities, especially low-income households, which bear its brunt. While little can be done to prevent natural calamities like floods, cyclones, drought etc. from occurring, what perhaps can and should be […]
IFMR Trust
IFMR Trust
Blog Article

New blog articles detected.

  • Leveraging Fintech for Risk-based Pricing & Personalisation
    By Bindu Ananth Much of the focus of fintech vis-Ã -vis financial inclusion has been on payments and the ability to transfer money with relative ease using a mobile phone and an app such as the Unified Payment Interface (UPI)/Bharat Interface for Money (BHIM), or using the USSD protocol in case of feature phones. Here, […]
IFMR Trust
IFMR Trust
Blog Article

New blog articles detected.

IFMR Trust
IFMR Trust
Blog Article

New blog articles detected.

  • A Brief Comparison of Ombudsmen Frameworks – Part 2
    By Madhu Srinivas, IFMR Finance Foundation Following our initial post on a brief comparison of grievance redressal mechanisms existing in India for financial services, at first glance it can be seen that there is considerable variation in the process elements among the various sector ombudsmen. This is indicative of varying processes, approach and service levels […]
IFMR Trust
IFMR Trust
Blog Article

New blog articles detected.

  • A Brief Comparison of Ombudsmen Frameworks – Part 1
    By Madhu Srinivas, IFMR Finance Foundation This is the first of a two-part blog series on the state of Grievance Redress in the Indian Financial System. An independent grievance redress function that financial services consumers have access to, in the event of less than satisfactory resolution of one’s grievances by the internal grievance redressal processes […]
IFMR Trust
IFMR Trust
Blog Article

New blog articles detected.

IFMR Trust
IFMR Trust
Blog Article

New blog articles detected.

  • The P2P Lending Market in China: A Parable for Indian Policymakers – Part 2
    By Varun Aggarwal, IFMR Finance Foundation In the first post of this two-part series, we tracked the explosive rise of the P2P lending market in China, which took place in the absence of any regulations. In this post we look at the series of regulatory measures introduced by the Chinese authorities in the wake of […]
IFMR Trust
IFMR Trust
Blog Article

New blog articles detected.

  • The P2P Lending Market in China: A Parable for Indian Policymakers – Part 1
    By Varun Aggarwal, IFMR Finance Foundation Since 2011, China’s P2P lending market has witnessed unprecedented growth. However, numerous high profile platform failures prompted the Chinese authorities to come out with a host of regulations at the end of 2016. This post is the first in a two-part series and takes a brief look at the […]
IFMR Trust
IFMR Trust
Blog Article

New blog articles detected.

  • District-level Assessment of Credit Depth in Uttar Pradesh
    By Nishanth K, IFMR Finance Foundation In this post we assess the state of bank credit depth for the state of Uttar Pradesh (UP) and the variation in credit depth across the 75 districts of UP during the 2004-12 period. We define ‘credit-depth’ as the ratio of total bank credit outstanding to gross domestic product […]
IFMR Trust
IFMR Trust
Blog Article

New blog articles detected.

  • Monetary Policy Transmission in India – Part 2
    By Madhu Srinivas, IFMR Finance Foundation In the second post of our two-part series on Monetary Policy Transmission, we take a closer look at the impediments to policy transmission in India and also list the recent measures taken by RBI/Government to overcome these impediments. In addition we look at what recent empirical evidence has to say […]
IFMR Trust
IFMR Trust
Blog Article

New blog articles detected.

  • Monetary Policy Transmission in India – Part 1
    By Madhu Srinivas, IFMR Finance Foundation Monetary policy plays a significant role in determining the trajectory of a country’s economy. While not directly affecting the structure of a financial system, the policy significantly influences the actions of economic agents of the financial system, including financial institutions. In that respect, the mechanics and effectiveness of transmission […]
IFMR Trust
IFMR Trust
Blog Article

New blog articles detected.

  • The Innovative Finance Revolution
    Foreign Affairs magazine in association with The Rockefeller Foundation has published a special issue titled “The Innovative Finance Revolution”. The issue focuses on how innovative finance, characterised by financial tools such as pooled insurance and securitised debt among others, can put the power of private capital markets to work for the public good and can […]
IFMR Trust
IFMR Trust
Blog Article

New blog articles detected.

  • All’s well that repays well? Not necessarily.
    By Vaishnavi Prathap, IFMR Finance Foundation The past year has seen many commentaries on the rapid expansion of microfinance in India warning of the imminent consequences of unbalanced growth. The most striking statistic in this context — that the average client’s dues more than doubled in just four years (between 2012 and 2016), far outpacing […]
  • Guidelines for Suitability in Lending to Low-Income Households
    By Vaishnavi Prathap, IFMR Finance Foundation In December 2014, the Reserve Bank of India published the Charter of Customer Rights as a commitment to protecting the interests of consumers of financial services. The charter includes the Right to Suitability, defined as the principle that “products offered should be appropriate to the needs of the customer […]
  • NBFCs’ Collection Efficiency Takes a Hit Post Demonetisation
    By Bindu Ananth & Kshama Fernandes Non-banking finance companies (NBFCs) represent an important linkage between the formal banking sector and informal segments of the real economy in India (wage labourers, smallholder farmers, unorganised retail, and domestic workers) through the channelling of credit from the former to the latter. They have a significant presence in the […]
  • Comments on the Report of Watal Committee on Digital Payments
    By Malavika Raghavan, IFMR Finance Foundation Shortly after Christmas last month, a press release from the Ministry of Finance on 28th December announced that the Committee on Digital Payments (chaired by Ratan P. Watal) had submitted its Report. IFMR Finance Foundation’s Future of Finance Initiative has provided its response to the Report. The Committee had […]
  • Agricultural Markets: Five Opportunities for Innovation After Demonetisation
    Guest post by Samir Shah, MD & CEO, NCDEX Due to the demonetisation of currency and recall of the currency notes of Rs. 500 and Rs. 1000 denominations announced by the government there was some panic in the initial days and the mandis were closed for some days. However, things are becoming better with the […]
IFMR Trust
IFMR Trust
Blog Article

New blog articles detected.

IFMR Trust
IFMR Trust
Blog Article

New blog articles detected.

  • Aggregate Risk, Saving and Malnutrition in Agricultural Households
    Guest post by Dr. Anjini Kochar, Stanford University, C. Nagabhushana and N. Raghunathan, Catalyst Management Why is malnutrition in India’s central belt, which includes the state of Madhya Pradesh and Bihar, so high and so persistent despite relatively high rates of income growth? High rates of malnutrition reflect diets that predominantly feature cereals at the […]
IFMR Trust
IFMR Trust
Blog Article

New blog articles detected.

  • IFMR Capital: The Money Conductors
    The latest edition of the Forbes India magazine features a cover story on IFMR Capital. The story traces the origins of IFMR Capital, its evolution over the years and how its work is translating into financial access for high-quality partner originators that it works with. “It is our mission to reach out to Indians who […]

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