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The costs of using Buy Now, Pay Later (BNPL) products
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Financial Report
Contributions and Achievements
Careers
Policy Initiatives
Financial Systems Design
Household Finance
Future of Finance Initiative
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Centre for Customer Protection
Our Work
Themes
Resources
Reform Pathways for Healthcare Financing in India
Financial Well-Being Evidence Gap Map
Dvara Open Online Repository
Policy Response to Covid-19 Outbreak – Wave 2
Household Finance Datasets
Course Materials
Notes
Events
Conference
InSPIRE
Workshop
A Workshop on Market Monitoring and Market Disciplining of Credit Institutions
Webinar
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Last-mile Delivery
Overview
At Dvara Research, we assess the last-mile delivery challenges in welfare and provide policy and design solutions to minimize exclusion errors in the delivery architecture
Writings
Policy brief
Last-mile Delivery of PM Garib Kalyan Yojana Benefits during the COVID-19 Pandemic
– By Aarushi Gupta, Anupama Kumar, Janani A.P
Report
State of Exclusion : Delivery of Government-to-Citizen Cash Transfers in India
Delivery of Social Protection Entitlements in India: Unpacking Exclusion, Grievance Redress, and the Relevance of Citizen-Assistance Mechanisms
Blog post
Proposing a Framework to Document Exclusion in Direct Benefit Transfers
– By Aarushi Gupta
Delivery Protocols in Aadhaar-enabled PDS: A Closer Look at Southern States in India
– By Janani A.P
Where are Welfare Transfers Failing? Understanding the access to PMGKY
– By Hasna Ashraf
The ‘Common Services Centre’ Model: A no-win scenario?
– By Anognya P & Aarushi Gupta
Reaching the Last-mile: Delivery of Social Protection in India
– By Aarushi Gupta
Malegam Committee recommendations carry the risk of financial exclusion
– By Dvara Research
Case Studies
Delays in Processing of MGNREGA Wage Payments
– By Aarushi Gupta
Aadhaar Related Delay in Obtaining Ration Card: A Case Study in Exclusion
– By Aishwarya Narayan
Excluded from Public Distribution System: Enrolment issues in the Last-mile
– By Aishwarya Narayan
Delays in Enrolment under PM-Kisan: Getting Down to the Brass Tacks
– By Aarushi Gupta
Registration Does Not Always Guarantee Access to Welfare – Exclusions In Tamil Nadu’s Labour Welfare System
– By Nishanth K
Exclusion from PM-Kisan due to payment of instalments into wrong bank account
– By Aishwarya Narayan
Agent Fraud in Welfare Transfers: A Case Study in Exclusion
– By Aarushi Gupta
Exclusion from PM Kisan due to delay in correction of beneficiary records in PFMS
– By Aarushi Gupta
Op-ed
Where do we go from here? India should consider self registration, inter-state welfare schemes for migrant workers’ social security
– By Varun Aggarwal & Nishanth Kumar
Last-mile issues can make or break the promise of Aadhaar
– By Bindu Ananth & Beni Chugh
Resources
Survey
Dvara-CMIE Survey on Access to Cash and Coping Mechanisms during COVID-19
COVID-19 Impact on Daily Life Survey
Project
Falling through the Cracks: Case Studies in Exclusion from Social Protection
Videos
Interview
Last Mile Availability Of Finance & More: Coronavirus Impact
– By Bindu Ananth
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