Category: Finance
-
Housing and Housing Finance (Part-3)
In addition to the points discussed in the earlier post, there are a few other key elements that go a long way in ensuring access to finance. Two major aspects are discussed in this last post of this series. Credit Infrastructure: In addition to the above, comprehensive credit information systems, reliable information on house transactions […]
-
Housing and Housing Finance (Part -2)
The Indian policymakers and regulators have been fairly active in ensuring that through a mix of adequate policies and regulatory measures there is the right kind of stimulus to keep the housing finance market growing in India. In fact, with the expansion of housing finance institutions and regulatory and fiscal support, mortgage interest rates have […]
-
Housing and Housing Finance in India (Part-1)
Housing is a significant engine for growth and development of any economy. Safe, hygienic and affordable housing has a direct impact on the quality of life and health of households, leading to a better civil society and higher productivity at work. Moreover, the housing construction sector itself leads to direct and indirect employment to a […]
-
Interest Rates
When the interest rates are high, the manufacturing industries slow down capital investment to avoid bearing high cost of investments and hence lead to flattening of long term growth. When the interest rates are low, the manufacturing industries intensify capital investments, leading to higher levels of automation and hence leading to increased levels of unemployment […]
-
Insights from G2012 Mexico Financial Inclusion Twitter Conference
On 25th July, 2012 I was invited to participate in the G2012 Twitter Conference on Financial Inclusion organised by Ashoka Changemakers and G2012 Mexico. There were three back to back sessions over six hours focused on technology and financial inclusion, financing livelihoods, and the future of financial inclusion innovation. I participated in the Session on […]
-
Access to Credit: Financing Options for Farmer Producer Organisations (FPOs)
FWWB and SFAC organized a Round Table Discussion (RTD) forum on July 31st, 2012. I had the opportunity to attend the RTD and talk about the possibilities of enabling innovative market based financing solutions for Producer Organisations. Needless to say, it was one of those rare gatherings with everybody from policymakers to practitioners being present […]
-
Why go cashless?
We want to make cashless payments to farmers, rural labourers directly to their bank accounts and hand them over a card which they can use to transact “business”. By removing cash from the system, we have managed to remove chances of “middlemen” (our very own people handling payments) siphoning money out of the system before […]
-
Margin contribution
What is the logic behind asking for a margin contribution from a debtor before you give a loan? I can hear/think of three potential reasons: 1.) Skin in the game/deterrent: “I am ready to risk my little amount of hard earned money to get this big amount of money from you. If I do not […]
NOĒSIS 