Saibal Paul

Despite the majority of population living in rural India, the economy of India has seen a substantial shift from agrarian to service, which probably has left the rural economy in lurch

Migrant crisis: Can rural India handle and support its itinerant returnees?

by Saibal Paul |Sep 18, 2020

The data and information substantiate that rural India doesn't have the capacity to support the huge reverse migrated population and they have no way but to return to their respective workplaces, the ...

The microfinance sector has experience of more than two decades and has proved its sustainability over time as well

MFIs revival: Does India really need a new microfinance institution?

by Saibal Paul |Aug 19, 2020

Instead of promoting a new social microfinance institution, the government should build on the existing and vibrant microfinance sector to cater to its envisioned need

Cash is still the dominant mode for the outflow for Indian consumers because of the underdeveloped nature of the acceptance ecosystem for digital payments

3 years after demonetisation, cash is still king in India despite govt's digital India push

by Saibal Paul |Nov 17, 2019

In the end, we need to understand that the absolute elimination of cash is near to impossible in a big country like India however a substantial digital economy is possible

Four major risks facing microfinance in India

by Saibal Paul |Nov 4, 2019

Indian microfinance is extremely complex. There are different legal forms active in the markets i.e. Banks (commercial, Cooperative Banks, RRBs, SFBs etc), NBFCs, NBFC MFIs etc