ICRIER Working Papers

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The probability of getting a loan: evidence from Indian cities

Ray, Saon; Miglani, Smita; Paul, Sandeep (Indian Council for Research on International Economic Relations, 2019-02-28)

Financial inclusion or access to financial services, is a major development goal for all nations across the globe. Financial inclusion does not concern only ‘access, but also the ‘use’ of financial services. This paper examines the loan taking behavior of individuals based on survey of 844 individuals across five cities in India. Probit regression has been used to ascertain the role of various ...

Financial inclusion or access to financial services, is a major development goal for all nations across the globe. Financial inclusion does not concern only ‘access, but also the ‘use’ of financial services. This paper examines the loan taking behavior ...
Explaining the contractualisation of India’s workforce

Kapoor, Radhicka; Krishnapriya, P. P. (Indian Council for Research on International Economic Relations, 2019-01-30)

The employment structure of India’s organised manufacturing sector has undergone substantial changes over the last decade with a steep rise in the use of contract workers in place of directly hired workers. Much of the existing literature has attributed the widespread use of contract labour to India’s rigid employment protection legislation. Using plant level data from the Annual Survey of Industries, ...

The employment structure of India’s organised manufacturing sector has undergone substantial changes over the last decade with a steep rise in the use of contract workers in place of directly hired workers. Much of the existing literature has attributed ...
The Anomaly of Women’s Work and Education in India

Ghai, Surbhi (Indian Council for Research on International Economic Relations, 2018-12-30)

This paper utilizes a large cross-section of data sets such as the ILOSTAT, NSSO Quinquennial Employment and Unemployment Survey, Labour Bureau Annual Employment and Unemployment Survey, National Family Health Survey and CMIE Consumer Pyramid Household Survey to comment on the falling female labour force participation rates in India. It is found that not only has there been a fall in the female ...

This paper utilizes a large cross-section of data sets such as the ILOSTAT, NSSO Quinquennial Employment and Unemployment Survey, Labour Bureau Annual Employment and Unemployment Survey, National Family Health Survey and CMIE Consumer Pyramid Household ...
The growing importance of consumer finance for financial inclusion in India

Ray, Saon; Miglani, Smita; Paul, Sandeep (Indian Council for Research on International Economic Relations, 2018-12-15)

Financial inclusion or access to financial services is a major development goal for all nations across the globe. The concept has a multitude of dimensions from payments and savings accounts, credit, insurance and pensions and securities market. Ensuring quality access to formal financial services has always been a challenging task. Despite being a prime policy agenda for decades, the goal of universal ...

Financial inclusion or access to financial services is a major development goal for all nations across the globe. The concept has a multitude of dimensions from payments and savings accounts, credit, insurance and pensions and securities market. Ensuring ...