Over the last three decades, financial inclusion has become a policy objective, not just in India or amongst the emerging economies but also in high-income/developed economies. Though financial inclusion as a policy has advanced in its own course, there remains a significant lack of facts that establish consensus about financial inclusion at the level of individuals and households. Currently, there is only limited high-quality data available on how much access to finance is available to households, how this access is being used by the households, and how this affects the economic well-being of the households. These three dimensions form the input-output-outcomes trio that is critical for evaluating policy initiatives and what needs to be done next.  

To address this gap,  through this new workstream, Dvara Research and Northern Arc Capital in collaboration with xKDR seek to design and create a financial inclusion measurement system. The system aims to capture the input-output-outcomes for households across India’s vast geographic, ethnic, cultural, and socio-economic spectrum to highlight where the gaps are in India’s financial inclusion. 

The financial inclusion measurement system proposed by this workstream can be used by academics, practitioners, and policymakers to capture and monitor changes in financial inclusion in response to changes in financial inclusion improvement initiatives. 

Resources

Writings

 
 
In this paper, we examine the link between the heterogeneity of the quality of the land records infrastructure across states and the access to credit by households in these states using two new data-sets for the analysis.
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Conference

As part of the Emerging Markets Conference, 2020, organised by xKDR, CFS, S.P.Jain Institute of Management Research, and Vanderbilt Law School, we hosted a panel discussion on financial inclusion measurement. 

  • Panel Discussion
Doing Better on Measuring Financial Inclusion
Wednesday, December 16th, 20:15 – 21:15 IST
Panellist
Moderator

Workshop

Dvara Research Foundation and xKDR Forum invite submissions for a one-day workshop planned for June 26, 2021. The workshop will feature five research papers and one-panel discussion. The workshop aims to cover presentations and discussions across the following set of research topics:

 

  • Household portfolio choice
  • Access to credit
  • Personal insolvency
  • Financial inclusion
  • Impact of payments and fintech
  • Consumer protection in retail finance
  • Regulation of retail financial markets

 

Kindly send in your submissions by May 28, 2021, and selection decisions will be announced by June 4, 2021. For any further queries, please get in touch with jyoti.frg@gmail.com