In India, caste shapes access to a variety of resources and outcomes mainly through its influence on inter-generational prosperity, but also the linked phenomenon of discrimination. This paper examines whether caste-based differences in access to formal agricultural loans reflect discrimination...

Farmers in developing countries often lack access to timely and reliable information about modern technologies that are essential to improve agricultural productivity. The recent diffusion of mobile phones has the potential to overcome these barriers by making information available to those...

In India, caste shapes access to a variety of resources and outcomes mainly through its influence on inter-generational prosperity, but also the linked phenomenon of discrimination. This paper examines whether caste-based differences in access to formal agricultural loans reflect discrimination...

Credit risk stands out as the most detrimental risk to which Banking business is exposed to. Co-operative banks which have proved to be vessels of rural development and financial inclusion, have been susceptible to credit risk throughout their history. The Prudential Norms of Income Recognition...

The Reserve Bank of India (RBI) has stipulated the Prompt Corrective Action (PCA) Framework in order to ensure the adequacy of banks' internal control system and improve their quality. The PCA framework for Indian bank complies with the Core Banking Principles laid down by the Bank for...

Many developing and emerging markets have high degrees of state bank ownership. In addition, the recent global financial crisis has led to significant state ownership of banking assets in developed countries such as the United Kingdom. These observations beg the question of whether the...

Many developing and emerging markets have high degrees of state bank ownership. In addition, the recent global financial crisis has led to significant state ownership of banking assets in developed countries such as the United Kingdom. These observations beg the question of whether the...

In recent years financial inclusion has been given top priority as financial development and economic growth are interdependent. Women constitute almost half of country's population and their work participation is also increasing and diversifying and impacting her family, neighbourhood and the...

We present large-scale evidence on the effects of access to information on agricultural technology adoption and crop yields in India. We combine geo-referenced data on the construction of new mobile phone towers with data on the location and content of 2.5 million phone calls made by farmers to...

To incentivize households to increase private savings, the Indian government implemented in July 2014 a new tax-subsidized saving policy that largely incentivizes homeowners by allowing them to exempt an additional 50,000 INR ($833) of the mortgage principal and interest payments from taxable...