Synopsis: In today’s blog, we will elaborate on some of the basics of credit risk models that lenders utilize to evaluate a borrower’s creditworthiness. Over the recent years, the lending landscape, particularly in the context of credit risk management, has... View Article
Synopsis: In today’s blog, we will highlight the instrumental role played by microfinance in advancing the cause of financial inclusion and poverty alleviation in India. The financially underprivileged sections of society—women, low-income households, and MSMEs, often, face several constraints when... View Article
Synopsis: The Indian government has announced several new measures for giving a leg up to MSMEs in the latest 2023 budget. Below, we highlight the main budget provisions and their impact on MSMEs. Reiterating FM Nirmala Sitharaman’s budget speech, MSMEs... View Article
Synopsis: In today’s blog, we will understand why the human element continues to be crucial for credit underwriting, despite the process becoming automated over time through AI/ML models. The advent of artificial intelligence (AI) and machine learning (ML) models in... View Article
Synopsis: India’s Tier II and III cities are taking over the startup ecosystem by storm. We analyze the possible reasons for it and their burgeoning contribution to the entrepreneurial boom in India. The era of dominance of top-tier metro cities’... View Article
The foundation of a modern economy’s growth is built on a dynamic, resilient, and well-functioning financial sector. And the financial sector’s core responsibility is to channel savings toward productive investment opportunities through the process of lending. Lending in India has... View Article
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