Manoj Kumar Sharma is a Director at MSC. He is a development and inclusive finance expert with over 28 years of experience.
PAHAL – from “Discard” to Cherished Success
India is a social welfare state. Rs. 2,700 billion (US$43 billion) have been allocated for subsidies in FY 2015-16. The enormous scale and the sheer number of people involved in the logistics of ferrying food grains, cooking gas and a host of other commodities across the country leads to “leakages”.To achieve the dual objectives of: […]
What’s Undermining India’s Financial Inclusion Progress?
The blog recommends that the government set an adequate rural DBT commission rate of at least 3% for the first few years of PMJDY.
How a 1% DBT Commission Could Undermine India’s Financial Inclusion Efforts
This PB focuses on last-mile banking agent (Bank Mitr) networks that will disburse DBT payments and enable customers to access their bank accounts.
Assessing the most ambitious public financial inclusion drive in history An Early Dip-Stick Assessment of Bank Mitr’s under Pradhan Mantri Jan Dhan Yojana
This note highlights the survey conducted by MicroSave, and the Bill & Melinda Gates Foundation to understand customers’ experience with PMJDY.
NBFC-MFIs as business correspondents – What will it take?
Following from the previous blog, the third part explores the avenues available for banks and MFIs to operate as agent network managers in a way that is mutually beneficial.
NBFC-MFIs as business correspondents – Who benefits? (Part-II)
In this blog, the MicroSave team examines the advantages and disadvantages of the BC model for NBFC-MFIs in detail.
Sustainable Microfinance: What does it take?
Past decade witnessed an unprecedented success of microfinance institutions in India. And when we thought nothing was going to break its stride; Andhra Pradesh crisis surfaced. It was an eye opener for many that surely confirmed microfinance is not the panacea for poverty. Since then MFIs have grappled hard to recover from the tight spot. […]
Sustainable Non Banking Financial Institutions
This presentation provides an insight on evolution of MFIs and lays emphasise on the drivers of sustainability