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Impact of Financial Literacy Program

ShoreBank International Ltd, based in Washington DC,implemented a project on Financial literacy and Sub-K. Sub-K is a mobile banking platform with a growing agent network that targets poor and un(der) banked households in India to give them affordable access to formal financial and transactional services, and to educate Sub-K customers on how to transact despite low literacy and confidence. This survey based project covered 5 states of India, namely Andhra Pradesh, Bihar, Chattishgarh, Maharashtra and Madhya Pradesh. MORSEL collected primary data from 4000 households and agents of these states.

Location : Andhra Pradesh, Bihar, Chattishgarh, Maharashtra and Madhya Pradesh

Status : Completed

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Financial Capabilities of Rural Low-Income Households in India

GIZ and NABARD have been cooperating in the programme to strengthen the management and operation of Short-Term Cooperative Credit Structure (CCS), to promote access to financial services of self-help group (SHG) members and to enhance Financial Inclusion through Business Correspondents (BCs) in rural areas in India

Microfinance Opportunities (MFO), a US based NGO, has developed the Financial Capability Index – a methodology to assess the financial capabilities of communities through their own definitions. Jointly the GIZ, NABARD and MFO feel the need to assess the capabilities of the target group of rural financial services especially among the low income and low literate households in order to use financial services in a beneficial way. MORSEL collected data from 4 States of India namely, Orrisa, Karnataka, Uttarakhand and Rajasthan, which was based on Financial Capability Index.

Location : Orrisa, Karnataka, Uttarakhand and Rajasthan

Status : Completed

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Consumer Understanding of Branchless Banking

This randomized control trial is evaluating Financial Literacy Program run by FINO Fintech Foundation (FFF) in association with Microfinance Opportunities (MFO) and International Finance Corporation (IFC – The World Bank Group) Using Financial Diaries methodology, MORSEL collected data in the real time from 12 villages in Jaunpur and Mau districts with the help of netbooks. Principal investigators could see data online within 24 hours after the survey in the Dropbox.

Location : Jaunpur and Mau districts Uttar Pradesh

Status : Completed

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Impact Analysis of Financial Literacy Program

GIZ and NABARD have been cooperating in the programme to strengthen the management and operation of Short-Term Cooperative Credit Structure (CCS), to promote access to financial services of self-help group (SHG) members and to enhance Financial Inclusion through Business Correspondents (BCs) in rural areas in India

Micro finance Opportunity based in Washington DC developed a financial literacy program, and FINO implemented it in the eastern part of Uttar Pradesh. We evaluated the impact and implementation procedure by surveying Clients and Bandhus (FINO’s agents)

Location : Uttar Pradesh

Status : Completed

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