Arshi Aadil

Senior Manager

Arshi is a Senior Manager in the Government and Social Impact—Digital Financial Services domain of MSC India. She is a development consultant with over four years of experience in the field.

Arshi is a Senior Manager in the Government and Social Impact—Digital Financial Services domain of MSC India. She is a development consultant with over four years of experience gained through projects with state governments, central government, think tanks, academic institutions, MFIs, and donors in the development sector of India. Arshi has implemented projects in product development, market research, behavioral economics, risk management and digital financial services. Her work involves improving public policy choices through evidence based, bottom up, and human centered approach. She specializes in G2P programs and payment systems, microfinance, digital financial services, livelihood, process mapping and re-engineering, pilot planning and roll-out support, policy analysis, and financial and rural sector development.

Posts by Arshi Aadil

The Ujjwala scheme needs a budget push

The PMUY scheme has delivered on its promise by providing more than 80 million connections since its launch. However, the scheme needs a budgetary push to expand LPG usage amongst the targeted customers. In collaboration with the State Rural Livelihood Mission (SRLM), MSC conducted a pilot with self-help groups (SHGs) in Madhya Pradesh. The pilot suggests that credit facility to avail loans for LPG canisters and higher subsidies to Ujjwala customers will go a long way to enhance LPG usage.

A framework to design user centric social protection programs

MSC has devised a framework that stakeholders can use to design and evaluate social protection programs through a user centric-lens. The framework facilitates a comparison of different DBT programs while offering a standard through which lessons, innovations, and best practices can be explored by policy makers and program implementers.

Beyond the barriers of affordability: An analysis of India’s cooking fuel support program under the COVID-19 assistance package

India responded to the COVID-19 crisis by announcing several relief measures under the Pradhan Mantri Garib Kalyan Yojana (PMGKY). As part of PMGKY, 80 million poor women enrolled under the Pradhan Mantri Ujjwala Yojana (PMUY), received cash transfers in their bank accounts to purchase liquefied petroleum gas (LPG). This paper assess the program’s efficacy and the experience of beneficiaries in receiving advance transfers into their bank accounts and purchasing LPG refills during and after the lockdown.

Beyond the barriers of affordability: An analysis of India’s cooking fuel support program under the COVID-19 assistance package

As part of the relief measures announced by the Indian government to combat the COVID-19 crisis, 80 million poor women received cash transfers to purchase liquefied petroleum gas (LPG). This paper analyzes the program’s performance and the experience of beneficiaries while purchasing LPG refills from the money disbursed during and after the lockdown.

GOOTCHA—A framework to build gender-sensitive ID systems

The World Bank estimates that around a billion people across the globe lack a “legal identity.” The gender gap in terms of people’s access to official IDs is considerable in low-income countries, where one in two women lack any form of official ID. This limits financial, social, and political participation for women.

Working paper: A framework for building gender-sensitive identity systems

One in two women in low-income countries lack official identification documents, which limits their financial, social, and political participation. This report explores the design and lifecycle of ID systems from gender and behavioral lenses and proposes a framework to make them more gender-sensitive.

KYC practices in Indonesia and opportunity for implementing e-KYC for accelerating financial inclusion

The policy brief proposes recommendations to accelerate the implementation of e-KYC in Indonesia based on our previous report.

Existing KYC practices in Indonesia and opportunities for implementing e-KYC to accelerate financial inclusion

The study provides an analysis of the challenges in customer verification by banks and FinTechs. It also outlines policy recommendations to promote a public infrastructure for e-KYC.