Ensuring Debt Finance for All Professionally-run MSMEs.
For several years, a number of policy initiatives have been taken to address the financing gaps for MSMEs. Of course, we have improved over the years. However, a lot still needs to be done. Here is a set of views, that I have, on how to go about doing it. Some of it is about…
“World Domination” of the Agri Supply Chain
Historically misdirected/misutilised subsidies of the Govt made it very difficult for private players to operate in the agriculture supply chain. With the easing of regulations, we are seeing a large number of new private ventures (traditional and new age startups) entering agriculture. That is a good sign. However, what worries me is that some of these companies (startups)…
Access to Finance for Financiers
While enough literature is available pointing out to the lucrative business (and impact) that local financial institutions could target by reaching out to the micro and small businesses in any economy, there is very little written about how these “local financial institutions” can access funding to re-lend to this segment underserved segment. By nature, small…
Interview on SocialStory
SocialStory did an interview piece a few days ago. They asked me about my views on the Indian Food & Agriculture sector in general and also for some details on our work at Caspian. Please find the detailed interview at SocialStory.
MUDRA Bank – How will it help?
First things first, a regulator cum re-financier (market player) is bad design. Period. It leads to moral hazard where the regulator will shape policy to grow only its business. Yes, refinance is business. But I hear that MUDRA Bank is expected to be a regulator and financier of microfinance institutions and micro-enterprises. Why? The only other entity…
Reading List – 2nd Ferbruary, 2014
1.) Framework for non-profits to have clear fundraising conversations. Article: 10 Non-profit Funding Models 2.) Interesting article on how Amazon.com manages to be a favourite in spite of not churning profits! Article: Amazon & nil profits 3.)Why Nokia is one of the greatest companies of the world. Article: Nokia Bridge Programme
Payments, Banking and Cost implications of cash – India
Electronic Payments have always intrigued me. I have written about this in the past. I was reading through a few more documents on electronic payments and read through the Reserve Bank of India Vision Document on Payments. Quite an insightful document in terms of statistics. However, my feeling was it doesn’t quite clearly layout the strategic…