Related papers: Decoding Financial Behaviour: An Analysis of urban…
The paper presents findings from a comprehensive study examining the saving and credit behaviors of low-income households residing in unauthorized colonies within a metropolitan area. Utilizing a dual approach, the study engaged in…
India's urbanization is often characterized as particularly challenging and very unequal but systematic empirical analyses, comparable to other nations, have largely been lacking. Here, we characterize India's economic and human development…
In the following study, we inquire into the financial inclusion from a demand side perspective. Utilizing IHDS round-1 (2004-05) and round-2 (2011-12), starting from a broad picture of demand side access to finance at the country level, we…
This paper attempts to create a first comprehensive analysis of the integrated characteristics of contemporary Indian cities, using scaling and geographic analysis over a set of diverse indicators. We use data at the level of Urban…
The study examines the relationship between mobile financial services and individual financial behavior in India wherein a sizeable population is yet to be financially included. Addressing the endogeneity associated with the use of mobile…
We undertake an exploration of the economic income (Gross Domestic Product, GDP) of Indian districts and cities based on scaling analyses of the dependence of these quantities on associated population size. Scaling analysis provides a…
This study investigates the dynamic and potentially causal relationships among childhood health, education, and long-term economic well-being in India using longitudinal data from the Young Lives Survey. While prior research often examines…
Poverty is a multifaceted phenomenon linked to the lack of capabilities of households to earn a sustainable livelihood, increasingly being assessed using multidimensional indicators. Its spatial pattern depends on social, economic,…
Financial inclusion and inclusive growth are the buzzwords today. Inclusive growth empowers people belonging to vulnerable sections. This in turn depends upon a variety of factors, the most important being financial inclusion, which plays a…
In the last decade, the digital age has sharply redefined the way we study human behavior. With the advancement of data storage and sensing technologies, electronic records now encompass a diverse spectrum of human activity, ranging from…
Whilst academic, commercial and policy literature on financial exclusion is extensive and wide-ranging, there have been very few attempts to quantify and measure localised financial exclusion anywhere in the world. This is a subject of…
This paper explores the extension of the idea of allometric urban scaling law to study the scaling behaviour of Indian districts, with both the urban and rural population. To proceed, we have chosen districts (both rural and urban) of…
Energy-poor households often compromise their thermal comfort and refrain from operating mechanical cooling devices to avoid high electricity bills. This is compounded by certain behavioral practices like retention of older, less efficient…
Cities are characterized by the coexistence of general aggregate patterns, along with many local variations. This poses challenges for analyses of urban phenomena, which tend to be either too aggregated or too local, depending on the…
This study presents the structure of financial management of incomes, expenses, and borrowing practices of households in extreme poverty, based on a survey conducted in two disadvantaged regions in Hungary. Additional to that, I shed light…
As the Indian economy grows digitally and becomes more financially inclusive, more and more investors have started to invest in the Indian capital markets. The number of retail and institutional folios with Indian mutual fund schemes have…
This study examines the determinants of the spousal age gap (SAG) in India, utilizing data from the 61st and 68th rounds of the National Sample Survey (NSSO). We employ regression analysis, including instrumental variables, to address…
Scientific studies of society increasingly rely on digital traces produced by various aspects of human activity. In this paper, we use a relatively unexplored source of data, anonymized records of bank card transactions collected in Spain…
This paper analyzes the 1/3 Financial Rule, a method of allocating income equally among debt repayment, savings, and living expenses. Through mathematical modeling, game theory, behavioral finance, and technological analysis, we examine the…
Emerging markets such as India provide investors with returns far greater than those in developed markets; taking the average returns from the period 1995 to 2014 the returns are 4.714% to 3.276% of the developed market. The majority of…