Kritika Shukla

Senior Analyst

Kritika is a Manager in MSC’s Government and Social Impact (GSI) Practice Group under Digital Financial Services domain.

She is a development sector consultant with more than six years’ experience of working with multi-lateral and bi-lateral donor agencies, financial institutions, think tanks and academic institutions. She 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, digital financial services, livelihood, market research, impact evaluation, program and policy analysis, value chains assessment, process re-engineering, training development and delivery, pilot planning and roll-out support.

Posts by Kritika Shukla

India’s gender-responsive policies during COVID-19

Despite the Indian government’s gender-focused relief measures during the COVID-19 pandemic, women beneficiaries faced issues as they tried to access and utilize such measures. Issues with access and capability around digital communication and inherent social norms persist as two important factors that intensify the challenges that #women face in using formal financial services.

Efficacy of MGNREGA in mitigating the loss in income and unemployment caused by the COVID-19 pandemic

This paper evaluates the efficacy of the Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) in reversing the surge of unemployment in the country during COVID-19 and presents key takeaways from India’s experience in handling the livelihood crisis.

Social assistance and information in the initial phase of the pandemic: Lessons from a household survey in India

India’s early response to the COVID-19 pandemic included several measures, including a nationwide lockdown, an information campaign, and the Pradhan Mantri Garib Kalyan Yojana (PMGKY)—a major social protection package. This paper explores the implementation of PMGKY based on a household survey conducted 4-6 weeks after its launch. The study also highlights the critical need to increase the spread of smartphones across the population.

How did COVID-19 affect the incomes of migrants and low-wage workers in India?

The case study is about the impact of the COVID-19 pandemic and the resulting lockdowns on migrants and the low-income group in India. It captures stories of migrants who were stranded away from their homes without any livelihood. The case study also highlights the adverse effects of the pandemic on the income and jobs of daily wage workers.

Did MGNREGA mitigate the loss in income and unemployment caused by the COVID-19 pandemic?

The case study discusses the sudden surge in demand for work under the Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) due to COVID-19 and the challenges in the current system. It also provides details of lessons for other countries from India’s experience with MGNREGA.

The case of micronutrient usage in Indian agriculture

This publication discusses the importance of soil nutrients, particularly micronutrients, and the factors that affect their availability in Indian soils. It also explores the reasons for the low use of micronutrients and provides recommendations to optimize their use to increase yields.

eNAM platform to digitize the marketing of agricultural produce in India

India’s eNAM platform enables trading of primary agricultural produce and connects markets through an online platform. MSC has been supporting the central and the provincial governments in the design, policy reforms, and implementation of the eNAM program. Many of the design improvements have been accepted and implemented. The cumulative volume of electronic trade on eNAM had crossed about INR 482 billion (USD 6.5 billion) by September, 2018.

High-Hanging Fruit and Easy Catch—Merchants who need additional “hooks” and hand-holding

This is the third blog from the “Digitizing merchant payments in India” series. It draws from earlier blogs in this series and examines two personas of the merchant ecosystem—high-hanging fruits and easy-catch merchants.