Facilitators of cashless transactions in unorganised retail supply chains with specific focus on Convenience (Kirana) Stores

Financial Inclusion in India has historically focused on a few core objectives such as providing institutional credit to small borrowers, creating an ecosystem by which financial products, services and literacy can be provided within the framework of the banking system, disbursing government cash benefits directly to the beneficiary through his/her bank account to promote financial inclusion and to curb leakages. In the recent years, financial inclusion drives have targeted opening of bank accounts, with banks and Banking Correspondents being incentivized based on the number of accounts opened. This has resulted in opening of large number of accounts... Read more

Impact assessment of an IT intervention in a supplementary nutrition programme

The Government of India’s Integrated Child Development Services (ICDS) scheme provides timely care and holistic development of children (below six years of age), pregnant women and lactating mothers, through a package of services which include provision of Supplementary Nutrition (Hot meals and Take Home Rations), Health check-up and monitoring, and Nutrition and health education / counselling. These services are traditionally delivered through a well-knit network of sanctioned Anganwadi centres (AWC), with the key objective of providing nutritious food to children on a regular basis. More recently, corporate social responsibility (CSR)... Read more

A credit risk model for predicting default on Educational Loans

Educational loan or student loan is a very popular financial instrument for funding higher education in developed countries like USA, Canada, UK, Finland, Hungary; emerging markets like Thailand and China also have fairly long experience in this field. But in the Indian context, a policy on educational loan schemes was first announced in the Union Budget 2001-02 and a model educational loan scheme was devised and subsequently approved by the Government of India. The aim of the scheme was to provide financial support from the banking system to deserving/meritorious students for pursuing higher education in India and abroad through educational loans... Read more

Modeling of water use patterns

This paper examines the data from a pilot water census of Rajasthan, which is India’s largest province by area; home to the Thar desert, a large part of the province experiences extreme heat. The pilot study was conducted in 2011 in 240 villages spanning 10 districts of Rajasthan.This paper examines the data from a pilot water census of Rajasthan, which is India’s largest province by area; home to the Thar desert, a large part of the province experiences extreme heat. The pilot study was conducted in 2011 in 240 villages spanning 10 districts of Rajasthan. This pilot study was a landmark exercise; executed with low-cost java-enabled cell-phones and completed within 2 months... Read more

A Mobile Solution for Logistics Management in a Mushroom Supply Chain

Mushrooms are a rich source of nutrition and are often used in health foods. Mushroom farming can be done in any enclosed space but requires a temperature and humidity controlled environment for obtaining high yields. The entire process of mushroom cultivation from the preparation of spawn runs to distribution of the finished product requires logistics support to handle perishable raw materials as well as perishable end product. For this reason, mushrooms are primarily cultivated and processed in geographical clusters which are close to the markets. Mushrooms are a rich source of nutrition and are often used in health foods. Mushroom farming can be done ... Read more