Corner shops in developing areas of the world exist at the intersection of two distinct vulnerable segments: microenterprises and low- and moderate-income (LMI) people. These small enterprises sell daily provisions, medicine, or airtime and often provide CICO services or salon services, among others. These corner shops transformed into an essential source of daily provisions during the lockdowns brought about by COVID-19.
Research on the current use of financial services and challenges among RMG factory workers in India
MSC conducted research on the use of digital financial services and the associated gender gap among the workers of ready-made garment (RMG) factories in India. The outputs from this research would help BSR refine its HERfinance program in India and further strengthen the outcomes for female garment workers. We shared the results with financial service providers, factories, brands, donors, NGOs, and other relevant technical experts who work towards financial inclusion.
Evaluation of the DBT in Fertilizer program of the Government of India
MSC evaluated the Direct Benefit Transfer (DBT) in Fertilizer program of the Government of India. The objective of the assessment was to identify the issues and challenges with the implementation of DBT at the national level. The study provided the government with evidence to support decision-making at the policy level and provided solutions to improve implementation
Impact evaluation of Program Keluarga Harapan (PKH), the largest conditional cash transfer program of Indonesia
MSC evaluated the impact of the PKH conditional cash transfer program—one of the largest social assistance programs in Indonesia managed by the Ministry of Social Affairs (MoSA). The primary objective of the PKH program is to reduce the burden of expenditure on poor families and change their behavior towards accessing health, education, and other social welfare services. Our study evaluated the impact of PKH on the key welfare, health, and education indicators and provided recommendations to enhance the achievements of the program.
Analytics of the supply side data to evaluate the progress and challenges of the digital credit sector in Kenya
Given the rapid evolution of the digital credit landscape in Kenya, MSC conducted a research exercise to evaluate the progress and challenges in the sector. The study adopted various methods—secondary research, analytics of the supply-side data, demand-side qualitative research, and a mock application review. The final report of the study provided specific recommendations for the regulators, digital credit suppliers, and market facilitators to encourage a more responsible delivery of digital credit.
MSC conducted a study in two aspirational districts of India, which are poor performers in terms of socio-economic indicators. The objective was to analyze the current spread of banking services like banking agents, banks, and ATMs and provide recommendations to improve access to financial services. We explored the possibility of setting up new agents through the concept of agent segmentation to ensure agent viability. The study highlighted the effectiveness of using geospatial analysis and smart data collection techniques and illustrated the significance of local contexts in the adoption of a service area approach.