Sai Krishna Kumaraswamy

Financial Sector Analyst

Sai Krishna Kumaraswamy is part of the Business Models pillar at CGAP. He works on digital finance innovations that enable improved livelihoods and expanded access to essential services for the poor, focusing on micro and small enterprise financing, asset finance and the intersection of gender and off-grid energy access.

Previously, Sai Krishna worked as a researcher at the Gender Group and at the Global Infrastructure Facility of the World Bank. He has over eight years of emerging market experience providing audit, advisory, and consulting services to clients in the financial services, energy, infrastructure, technology and government sectors.

Sai Krishna is a Chartered Accountant. He obtained a Master’s degree in Political Economy and Development Economics from The Fletcher School at Tufts University, a Master’s degree in Liberal Arts from Ashoka University and an undergraduate degree in Accounting, Business and Finance from St. Joseph’s College, Bangalore. He is fluent in Tamil, Kannada and Hindi.

By Sai Krishna Kumaraswamy


Emergency Relief for Small Businesses Requires a Targeted Approach

Here are some useful ways to segment the more than 160 million micro and small businesses in developing countries for more targeted, effective COVID-19 relief.

Financial Services for Health: Treating the Cause

Health expenses push 100 million people into extreme poverty each year. While private sector innovation can play an interim role in financing out-of-pocket expenses, the long-term focus should be on making poor people resilient to health shocks.

Assets Matter to Poor People

CGAP has undertaken a comprehensive review of the available evidence to understand (i) how asset ownership can lead to improvements in well-being for poor households and (ii) whether obtaining an asset through a loan or lease as opposed to a transfer, grant, or outright purchase affects the benefits associated with ownership.

2 Financial Services That Increase Smallholders’ Food Security

Evidence from around the world shows that savings and insurance help smallholder farmers to reduce hunger and manage production risks.

3 Ways Financial Inclusion Improves Women’s Food Security

There is evidence that financial inclusion improves food security for women in at least three ways.