Vaishnavi Prathap

Vaishnavi Prathap is a Researcher at IFMR Finance Foundation, based in Chennai, India. Her current research focuses on improving the delivery of financial services to low-income households

By Vaishnavi Prathap


All’s Well That Repays Well? Not Necessarily.

The rapid growth of microfinance in India has led to concerns about a repayment crisis. Some have tempered these worries by pointing to low delinquency rates. But do low delinquency rates tell the whole story?

When is Microcredit Unsuitable?

Rapid expansion in the microfinance sector has been credited with advancing financial inclusion in India. This paper addresses what might constitute a loan mis-sale and seeks to inform the use of suitability guidelines for lending to low-income households by microfinance institutions, self-help groups, and various banks.

How Can Group Loans be Provided more Responsibly?

In order for financial products to help people meet their goals, the products need to fit in with a household's natural cash flows and financial situation.