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

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.

Go-getters and receptive reticents—Merchants who have the instinct, but need support

This is the second blog in the series on “Digitizing merchant payments in India”. The first blog discusses the potential of merchant ecosystem in India and the need to design distinct solutions for different merchants. In this blog, we will discuss two merchant personas: a) The go-getters and b) The receptive reticents.

“Cookie-cutter” solutions for merchants will not work

This series of blogs highlight that providers cannot promote merchant payments through standard “cookie-cutter” solutions. What works for one category of merchants may not work for the other category. We need to look at merchants as distinct personas to decipher their characteristics and explore ways to change their behavior.

A Qualitative Study of Producer Organisations in Select Geographies in India

The report brings out insights on PO forms, organisations, structures, management, governance, operations, business performance, earnings, needs, expectations, maturity levels and several other important aspects regarding farmer collectives.