Lokesh Singh

Posts by Lokesh Singh

So many steps forward … And now one big step back

After the progress made on setting a regulatory and policy framework to enable financial inclusion, this blog raises concern over the decision that puts a cap of 1% for agent transaction.

G2P for Financial Inclusion: A Job Half Done

Direct Benefit Transfer program was thought to be effective method of achieving goal of financial inclusion. Its effectiveness was thought to be an outcome of necessity of making payments to individual bank accounts and also because of regularity of payments. However, due to operational issues its progress does not inspire much hope. At best DBT […]

Can “Behavioural Science” Bell Scheme Design Cat? Insights from Exploratory Research on the Public Distribution System in India

The blog highlights the complexities involved in Public Distribution System and why it is imperative for the government to conduct a detailed market and behavioural research before changing the existing system.

Designing Beneficiary-Centric ‘Direct Benefit Transfer’ Programmes: Lessons from India – Part II

This Policy Note Part II, details out the “Seven Steps of DBT Programme Design” for a robust and beneficiary centric direct benefit transfer programme.

Pradhan Mantri MUDRA Yojana: Behind the Numbers

This PB highlights the effectiveness, impacts and challenges of PMMY, and assesses the capacity of MUDRA to deliver its mandate to finance those unable to get loans under conventional system.

Designing Beneficiary-Centric ‘Direct Benefit Transfer’ Programmes: Lessons from India – Part I

This Note as a first part of the two-step series explains the pre-requisites and the steps, which if followed, can help in implementation of successful government DBT programmes.

Fair Price Shop Sustainability in Automated TPDS: A Mirage or Possibility?

This note highlights the importance of the sustainability of fair price shops (FPS) and provides detailed options to ensure their continuity. It also suggests methods to ensure the continuity of FPSs.

Governance is the Weight Around MGNREGS’s Neck: Technology May Offer a Way Out

MicroSave’s experience of the Mahatma Gandhi Rural Employment Guarantee Scheme across various states has highlighted the inadequate administrative capacity of state governments that limits the potential of the programme.