🔥The 9th Round of Easy Loan, Earn $40 Reward is in progress❗️ ⏰ Promotion Period: January 15th - Feburary 15th, 2025 👉 Register now and check more details at gate.io/campaigns/358

Here are our recommendations to #RBI pertaining to the microfinance crisis - dvararesearch.com/how-should-the… Do read and share your views with us. #consumerProtection

Here are our recommendations to #RBI pertaining to the microfinance crisis - dvararesearch.com/how-should-the… Do read and share your views with us. #consumerProtection

Here are our recommendations to #RBI pertaining to the microfinance crisis - dvararesearch.com/how-should-the… Do read and share your views with us. #consumerProtection

Our first quarterly newsletter focuses on 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗟𝗶𝘃𝗲𝘀 𝗼𝗳 𝗣𝗼𝗼𝗿 𝗛𝗼𝘂𝘀𝗲𝗵𝗼𝗹𝗱𝘀. A crisp 5 minutes' read shares perspective on our work in the Household Finance Practice lead by Misha Sharma In her words, "Income profile of a typical Low-Income

𝐖𝐞'𝐫𝐞 #hiring : 𝐓𝐞𝐜𝐡 𝐂𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐧𝐭𝐬 Dvara Research is inviting proposals from experienced tech consultants who has domain expertise in cybersecurity, tech architecture design and functioning, multi-stakeholder tech systems including government and regulatory

In this blog, we discuss the limited lender coverage under the proposed framework and consider ways to enhance protections for low-income households borrowing from informal lenders. Further, informed by our many years of study about the lived realities of low-income households,

📢 𝐖𝐞'𝐫𝐞 𝐇𝐢𝐫𝐢𝐧𝐠: 𝐓𝐞𝐜𝐡 𝐂𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐧𝐭𝐬 Dvara Research is seeking proposals from experienced tech consultants with expertise in cybersecurity, tech architecture, multi-stakeholder systems (including gov/regulatory), and scam/fraud prevention. 📝 Link to the

We present findings from a survey we conducted in Rajasthan to unpack the first component of the framework—identifying points along a citizen’s journey with Mukhyamantri Ayushman Arogya Yojana (MAAY) at which they experience exclusion. The survey was conducted between March and

Refreshing insights from the discussion, given how "transparency" and "explainability" in AI are often thrown around without context as to: what kind of AI, what type of explainability, or who it’s even for. Glad to have participated in this event!

Here's a chapter authored by our researchers in Inclusive Finance India Report 2024, that explores two possible solution pathways for addressing the phenomenon of debt distress in India. The first one follows a conventional mode of thinking that is quite popular in the policy

The pandemic and its subsequent social and economic consequences have acted as a watershed moment in history, setting ablaze a trail of events. There has been an inflationary pressure due to various micro and macroeconomic factors that are raising the cost of living while also

Looking Back: Dvara Research hosted a workshop titled “Building Effective In-App UPI GRMs”. The workshop was organised as a culmination of our project, which aims to solve grievance redress issues faced by consumers while using Unified Payments Interface (UPI) applications.

When #ArtificialIntelligence becomes ubiquitous in lending, Responsible #AI becomes necessary for responsible lending. In the context of lending, Responsible AI ensures that AI systems used in the lending value chain do not pose risks to the system or the customer. Read more:

Where does Responsible AI stand in the NBFC lending space? [Hint: It is barely in the rearview mirror for NBFCs. With regulatory pressure on margins, Responsible AI isn’t topping any priority list in the lending industry (yet)]

Experts believe that it is time to retire the joint liabiltiy group model which spread microfinance lending in India over the last three decades. Vishwanath Nair reports ⬇️ ndtvprofit.com/economy-financ…

Dvara Research did a survey of 1100 rural low income households to see their debt serviceability. Nearly 10% households had a debt serviceability ratio of 1.2, indicating they are in a financial deficit. More reason why the JLG model is dying.

𝗛𝗼𝘄 𝗱𝗼 𝗯𝗼𝗿𝗿𝗼𝘄𝗲𝗿𝘀 𝗱𝗲𝗰𝗶𝗱𝗲 𝘄𝗵𝗶𝗰𝗵 𝗹𝗲𝗻𝗱𝗶𝗻𝗴 𝗮𝗽𝗽 𝘁𝗼 𝗯𝗼𝗿𝗿𝗼𝘄 𝗳𝗿𝗼𝗺? India's digital credit ecosystem has grown rapidly with nearly 𝟏,𝟏𝟎𝟎 𝐮𝐧𝐢𝐪𝐮𝐞 𝐥𝐨𝐚𝐧 𝐚𝐩𝐩𝐬 𝐢𝐧 𝟐𝟎𝟐𝟏 alone. But 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝐡𝐚𝐥𝐟 were