# MicroSave Consulting \(MSC\): Market\-led solutions for financial services

> MSC drives financial, social, and economic inclusion through consulting, digital transformation, AI, climate, agriculture, and finance\.

Generated by Yoast SEO v28.2, this is an llms.txt file, meant for consumption by LLMs.

## Pages
- [Library](https://www.microsave.net/library/)
- [Financial services](https://www.microsave.net/financial-services/)
- [Our clients and partners](https://www.microsave.net/our-clients-and-partner/)
- [Digital Financial Services](https://www.microsave.net/digital-financial-services/)
- [Government advisory](https://www.microsave.net/government-advisory/)

## Posts
- [Integrated Digital Farmer Services \(DFS\) platform for Bihar: Bihar krishi app](https://www.microsave.net/2026/01/20/integrated-digital-farmer-services-dfs-platform-for-bihar-bihar-krishi-app/): Bihar Krishi is a government\-owned, AI\-enabled Digital Farmer Services platform launched in May 2025 to support over 20 million farmers across Bihar\. It provides a one\-stop, multimodal solution for agricultural advisory, government schemes, market linkages, finance, grievance redressal, and climate\-resilient farming\. Designed for inclusivity and low\-connectivity environments, the platform integrates public and private services using Digital Public Infrastructure and AI\. With statewide coverage, strong farmer engagement, and national awards, Bihar Krishi is a key catalyst for agricultural transformation and farmer empowerment in India\.
- [Why gender equality and social inclusion matter? Scaling climate adaptation in the Hindu Kush Himalaya](https://www.microsave.net/2026/08/17/why-gender-equality-and-social-inclusion-matter-scaling-climate-adaptation-in-the-hindu-kush-himalaya/): Drawing on findings from the HI\-CAS GESI assessment, this blog centres themes of power and exclusion, examining the capacities and vulnerabilities of the Indigenous People, ethnic groups, and the most disadvantaged women in mountain communities, and the structural barriers that limit their agency and decision\-making\.
- [From reactive coping to adaptive resilience amid climate change](https://www.microsave.net/2025/11/17/from-reactive-coping-to-adaptive-resilience-amid-climate-change/): Climate shocks have hit low\-income families in Bangladesh hard\. They are now forced to survive by relying on savings, loans, and informal credit\. MSC’s research shows MFIs give vital support, but responses remain reactive\. Financial service providers must help households prepare to build genuine resilience, rather than just recover from disasters\.
- [From prayers to power: Scaling climate\-smart agriculture through inclusive finance](https://www.microsave.net/2025/09/24/from-prayers-to-power-scaling-climate-smart-agriculture-through-inclusive-finance/): Climate\-smart agriculture \(CSA\) offers smallholders resilience against climate shocks by diversifying income and promoting sustainability\. Inclusive financial institutions \(IFIs\) can bridge the financing gap by mobilizing climate\-aligned capital, reengineering products, and strengthening ecosystems to scale CSA adoption globally\.
- [India must clearly link its climate goals to public spending](https://www.microsave.net/2026/02/27/india-must-clearly-link-its-climate-goals-to-public-spending/): India’s evolving climate budgeting practices signal strong momentum, but a unified national framework is essential\. The op ed proposes a national framework for climate budgeting and argues that it should include a clear tagging protocol, align with major state, national, and international strategies, and report the outputs and outcomes expected from climate spending\.

## Sliders
- [The impact assessment study of Pink Bus in Patna, Muzaffarpur, and Gaya](https://www.microsave.net/slider/building-indias-climate-stack-why-agriculture-comes-first-2/)
- [Affordable housing finance: Addressing the last\-mile challenge](https://www.microsave.net/slider/how-digital-reforms-in-food-subsidy-settlements-can-speed-up-intergovernmental-transfers-in-india/)
- [Beyond the construction of toilets: The missing innovation layer in India’s sanitation sector](https://www.microsave.net/slider/the-missing-half-of-digital-health-exploring-pathways-for-ai-to-scale-in-lmic-health-systems/)
- [Building inclusive, responsible, practical AI solutions to reach 100 million people by 2030](https://www.microsave.net/slider/slide-1-2/)

## Clients \& Partners
- [Central Bank of Papua New Guinea](https://www.microsave.net/clients_partners/central-bank-of-papua-new-guinea/)
- [World Bank Group](https://www.microsave.net/clients_partners/world-bank-group/)
- [UN Group](https://www.microsave.net/clients_partners/un-group/)
- [TradeMark Africa \(TMA\)](https://www.microsave.net/clients_partners/trademark-africa/)
- [Swiss Capacity Building Facility \(SCBF\)](https://www.microsave.net/clients_partners/swiss-capacity-building-facility/)

## Our Brands
- [LAB](https://www.microsave.net/our_brands/lab/)
- [Le Hub Dela](https://www.microsave.net/our_brands/le-hub-dela/)
- [Mi4iD](https://www.microsave.net/our_brands/m4d/)
- [HELIX](https://www.microsave.net/our_brands/helix/)

## Values
- [Trust](https://www.microsave.net/values/trust/)
- [Professionalism](https://www.microsave.net/values/professionalism/)
- [Continous improvement](https://www.microsave.net/values/continous-improvement/)
- [Collaboration](https://www.microsave.net/values/collaboration/)
- [Diversity](https://www.microsave.net/values/diversity/)

## Staff Quotes
- [Nadia Fairuza Azzahra](https://www.microsave.net/quotes/nadia-fairuza-azzahra/)
- [Dian Perdhana Putra](https://www.microsave.net/quotes/dian-perdhana-putra/)
- [Anirooddha Mukherjee](https://www.microsave.net/quotes/anirooddha-mukherjee/)
- [Dipanshi Sood](https://www.microsave.net/quotes/dipanshi-sood/)
- [Rahmatika Febrianti](https://www.microsave.net/quotes/rahmatika-febrianti/)

## Careers
- [Job Details](https://www.microsave.net/career/job-details/)

## Our Offices
- [Bangladesh](https://www.microsave.net/offices/bangladesh/)
- [Patna \- India](https://www.microsave.net/offices/patna-india/)
- [New Delhi \- India](https://www.microsave.net/offices/new-delhi-india/)
- [Sénégal](https://www.microsave.net/offices/senegal/)
- [Africa head office](https://www.microsave.net/offices/africa-head-office/)

## Signature Projects
- [Operationalization of an AI Sandbox for responsible AI adoption across public\-sector departments in Haryana](https://www.microsave.net/signature_projects/operationalization-of-an-ai-sandbox-for-responsible-ai-adoption-across-public-sector-departments-in-haryana/)
- [Financial Inclusion lab: Empowering fintech for India’s underserved communities](https://www.microsave.net/signature_projects/financial-inclusion-lab-empowering-fintech-for-indias-underserved-communities/)
- [Provide strategic support to optimize operations for the India Post Payments Bank \(IPPB\)](https://www.microsave.net/signature_projects/provide-strategic-support-to-optimize-operations-for-the-india-post-payments-bank-ippb/)
- [Creating a multi\-stakeholder partnership to set up a Lab for capital and technical support to FinTech startups](https://www.microsave.net/signature_projects/channelize-usd-9-5m-to-transform-fintech-start-ups/): MSC helped to set up a “Financial Inclusion Lab” that identifies, mentors and brings to scale early\-stage FinTech startups\. These startups address the issues faced by the underserved communities by developing innovative and technology\-enabled solutions\. So far, over 40 startups have been supported, impacting over a million customer, and 1000\+MSMEs\. Four major social investors fund the initiative with committed funding of USD 9\.5 mn\. The project demonstrates MSC’s ability to structure and implement multi\-stakeholder projects, especially those involving the investors and service providers \(startups\), to achieve a developmental outcome\. 
- [Impact of Program Keluarga Harapan \(PKH\), the largest conditional cash transfer program of Indonesia, on the health outcomes of mothers and children](https://www.microsave.net/signature_projects/impact-of-program-keluarga-harapan-pkh-the-largest-conditional-cash-transfer-program-of-indonesia-on-the-health-outcomes-of-mothers-and-children/)

## Sectors
- [Technology and digital public infrastructure](https://www.microsave.net/sectors/technology-and-digital-public-infrastructure/)
- [Digital and FinTech](https://www.microsave.net/sectors/digital-and-fintech/)
- [Inclusive insurance](https://www.microsave.net/sectors/inclusive-insurance/)
- [MSME development](https://www.microsave.net/sectors/msme-development/)
- [Startup innovation and acceleration](https://www.microsave.net/sectors/startup-innovation-and-acceleration/)

## Team
- [Pranav Singh](https://www.microsave.net/team/pranav-singh/)
- [Mayank Sharma](https://www.microsave.net/team/mayank-sharma/)
- [Abhishek Anand](https://www.microsave.net/team/abhishek-anand/)
- [Arpit Sachan](https://www.microsave.net/team/arpit-sachan/)
- [Rasika Chopra](https://www.microsave.net/team/rasika-chopra/)

## Expertise
- [Strategy development](https://www.microsave.net/expertise/strategy-development/)
- [Risk management](https://www.microsave.net/expertise/risk-management/)
- [Responsible financial systems](https://www.microsave.net/expertise/responsible-financial-systems/)
- [Research](https://www.microsave.net/expertise/research/)
- [Program management](https://www.microsave.net/expertise/program-management/)

## Testimonials
- [Patrick Allube](https://www.microsave.net/testimonial/patrick-allube/)
- [James Mwangi](https://www.microsave.net/testimonial/james-mwangi-2/)
- [Renana Jhabvala](https://www.microsave.net/testimonial/renana-jhabvala/)
- [Mark Daniels](https://www.microsave.net/testimonial/mark-daniels-2/)
- [Greta Bull](https://www.microsave.net/testimonial/greta-bull/)

## Cragvc Slider
- [Sa\-Dhan](https://www.microsave.net/cragvc_slider/sa-dhan/)
- [MicroSave Consulting \(MSC\)](https://www.microsave.net/cragvc_slider/microsave-consulting-msc/)
- [Asia\-Pacific Rural and Agricultural Credit Association](https://www.microsave.net/cragvc_slider/asia-pacific-rural-and-agricultural-credit-association/)

## Climate Video
- [Advancing climate\-resilient agriculture in India: Key lessons and challenges](https://www.microsave.net/climate_video/advancing-climate-resilient-agriculture-in-india-key-lessons-and-challenges/)
- [The second edition of the resilient climate agriculture—virtual breakfast club\- East African Chapter](https://www.microsave.net/climate_video/the-second-edition-of-the-resilient-climate-agriculture-virtual-breakfast-club-east-african-chapter-2/)
- [Third edition of the climate\-resilient agriculture—virtual club \#CRAgVC’s \- East Africa chapter](https://www.microsave.net/climate_video/third-edition-of-the-climate-resilient-agriculture-virtual-club-cragvcs-𝗘𝗮𝘀𝘁-𝗔𝗳𝗿𝗶/)
- [Farmer\-centric data governance for Agtechs building climate resilience](https://www.microsave.net/climate_video/farmer-centric-data-governance-for-agtechs-building-climate-resilience/)
- [Fourth edition of the Climate\-resilient Agriculture—virtual club \- 𝗘𝗮𝘀𝘁 𝗔𝗳𝗿𝗶𝗰𝗮𝗻 𝗰𝗵𝗮𝗽𝘁𝗲𝗿](https://www.microsave.net/climate_video/fourth-edition-of-the-climate-resilient-agriculture-virtual-club-𝗘𝗮𝘀𝘁-𝗔𝗳𝗿𝗶𝗰𝗮/)

## All Testimonials
- [Gerhard Coetzee](https://www.microsave.net/all_testimonials/gerhard-coetzee/)
- [Greta Bull](https://www.microsave.net/all_testimonials/greta-bull/)
- [Madhurantika Moulick](https://www.microsave.net/all_testimonials/madhurantika-moulick/)
- [Evelyn Stark](https://www.microsave.net/all_testimonials/evelyn-stark/)
- [Dr\. Hermann Fumilayo Messan](https://www.microsave.net/all_testimonials/dr-hermann-fumilayo-messan/)

## Cragvc Resource
- [Leveraging AI for climate resilient agriculture](https://www.microsave.net/cragvc_resource/leveraging-ai-for-climate-resilient/)
- [Climate Resilient Agriculture \(CRAg\) Whitepaper](https://www.microsave.net/cragvc_resource/climate-resilient-agriculture-crag-whitepaper/)
- [Are agtechs a panacea for farmer adoption of climate resilient agriculture?](https://www.microsave.net/cragvc_resource/are-agtechs-a-panacea-for-farmer-adoption-of-climate-resilient-agriculture/)

## Proposals
- [Call for proposal: MSC ERP](https://www.microsave.net/proposal/call-for-proposal-msc-erp/)

## WomenLed Videos
- [Insurance Gujarati Video](https://www.microsave.net/women_led_videos/insurance-gujarati-video/)
- [Insurance Hindi Video](https://www.microsave.net/women_led_videos/insurance-hindi-video/)
- [Ledger book Nepali Video](https://www.microsave.net/women_led_videos/ledger-book-nepali-video/)
- [E\-commerce Nepali Video](https://www.microsave.net/women_led_videos/e-commerce-nepali-video/)
- [Social media Nepali Video](https://www.microsave.net/women_led_videos/social-media-nepali-video/)

## Panelists
- [Mr\. Nikhil Gupta](https://www.microsave.net/panelist/mr-nikhil-gupta/)
- [Mr\. Anil Kumar Gupta](https://www.microsave.net/panelist/mr-anil-kumar-gupta/)
- [Mr\. Navin Kumar Rai​](https://www.microsave.net/panelist/navin-kumar-rai/)
- [Mr\. Ajay Kumar​](https://www.microsave.net/panelist/ajay-kumar/)
- [Mr\. Sourav Roy​](https://www.microsave.net/panelist/sourav-roy/)

## Bihar Krishi Resource
- [Get accurate weather updates in just one click\!](https://www.microsave.net/biharkrishi_resource/get-accurate-weather-updates-in-just-one-click/)

## Delegations
- [A focus group discussion with PMJDY beneficiaries during Her Majesty Queen Máxima’s visit to India ](https://www.microsave.net/delegations/a-focus-group-discussion-with-pmjdy-beneficiaries-during-her-majesty-queen-maximas-visit-to-india/)
- [Enabling women\-led livelihoods through the Ethiopia–India learning exchange on NRLM](https://www.microsave.net/delegations/enabling-women-led-livelihoods-through-the-ethiopia-india-learning-exchange-on-nrlm/)
- [Building digital public infrastructure for inclusive G2P systems in the Philippines](https://www.microsave.net/delegations/building-digital-public-infrastructure-for-inclusive-g2p-systems-in-the-philippines/)
- [A visit to India by Indonesian delegates for a learning exchange on Digital Public Infrastructure \(DPI\)](https://www.microsave.net/delegations/a-visit-to-india-by-indonesian-delegates-for-a-learning-exchange-on-digital-public-infrastructure-dpi/)
- [A Tanzanian delegation visited India for a workshop on digital public infrastructure \(DPI\) to explore opportunities for South\-South cooperation and learn from India’s DPI journey](https://www.microsave.net/delegations/a-tanzanian-delegation-visited-india-for-a-workshop-on-digital-public-infrastructure-dpi-to-explore-opportunities-for-south-south-cooperation-and-learn-from-indias-dpi-journey/)

## Categories
- [Uncategorized](https://www.microsave.net/category/uncategorized/)
- [Blog](https://www.microsave.net/category/blog/)
- [Event](https://www.microsave.net/category/event/)
- [Video](https://www.microsave.net/category/video/)
- [Presentation](https://www.microsave.net/category/presentation/)

## Client Categories
- [Other clients](https://www.microsave.net/client-category/other-clients/)
- [MSC partners](https://www.microsave.net/client-category/msc-partners/)
- [MFIs, industry bodies, and others](https://www.microsave.net/client-category/mfis-industry-bodies-and-others/)
- [Banking institutions](https://www.microsave.net/client-category/banking-institutions/)
- [Digital financial services providers](https://www.microsave.net/client-category/digital-financial-services-providers/)

## Client Type
- [Other clients](https://www.microsave.net/client_type/other-clients/)
- [Featured client](https://www.microsave.net/client_type/featured-client/)

## Themes
- [Financial inclusion](https://www.microsave.net/post_theme/financial-inclusion/)
- [Digital financial services](https://www.microsave.net/post_theme/digital-financial-services/)
- [Housing](https://www.microsave.net/post_theme/housing/)
- [Community \& livelihoods](https://www.microsave.net/post_theme/community-livelihoods/)
- [Microfinance](https://www.microsave.net/post_theme/microfinance/)

## Regions
- [Asia](https://www.microsave.net/region/asia/)
- [Africa](https://www.microsave.net/region/africa/)
- [Central America](https://www.microsave.net/region/central-america/)
- [Europe](https://www.microsave.net/region/europe/)
- [Latin America](https://www.microsave.net/region/latin-america/)

## Resource Types
- [Videos](https://www.microsave.net/resource_type/video/)
- [Research papers](https://www.microsave.net/resource_type/research-papers/)
- [Briefing notes](https://www.microsave.net/resource_type/briefing-notes/)
- [Case studies](https://www.microsave.net/resource_type/case-studies/)
- [India focus notes](https://www.microsave.net/resource_type/india-focus-notes/)

## Show on Library
- [Yes](https://www.microsave.net/show_on_library/yes/)
- [No](https://www.microsave.net/show_on_library/no/)

## Covid\-19 Resources
- [Yes](https://www.microsave.net/covid19_resources/yes/)

## Testimonial Category
- [Photos](https://www.microsave.net/testimonial_category/photos/)
- [Video](https://www.microsave.net/testimonial_category/video/)

## RFP Countries
- [India](https://www.microsave.net/rfp_country/india/)

## RFP Languages
- [English](https://www.microsave.net/rfp_language/english/)

## Languages
- [Nepali](https://www.microsave.net/?languages=nepali)
- [Telugu](https://www.microsave.net/?languages=telugu)
- [Gujarati](https://www.microsave.net/?languages=gujarati)
- [Hindi](https://www.microsave.net/?languages=hindi)

## Video Categories
- [Ledger book](https://www.microsave.net/videocategory/ledger-book/)
- [E\-commerce platforms](https://www.microsave.net/videocategory/e-commerce-platforms/)
- [Social media marketing](https://www.microsave.net/videocategory/social-media-marketing/)
- [Business registration](https://www.microsave.net/videocategory/business-registration/)
- [Digital payments](https://www.microsave.net/videocategory/digital-payments/)

## Optional
- [Sitemap index](https://www.microsave.net/sitemap_index.xml)