As of early 2011, the microfinance industry in India, one of the largest in the world, is facing a moment of reckoning. The recent developments in Andhra Pradesh, the cradle of microfinance in India, have stamped the future of the sector with a huge question mark. This paper sketches the...

We study a micro-finance program that provides compulsory health insurance to its borrowers and their spouses. We find that the non-borrowing spouses are less likely to file insurance claims than those who are borrowing. Further, a man is more likely to use the health insurance acquired through...