CINXE.COM

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class="site-header__book-return"> <a href="/" aria-label="Back to Inclusion Economics homepage"> <i class="fal fa-arrow-left"></i><span>IE Home</span> </a> </div> </div> </header> <main class="site-main"> <div class="site-main__system"></div> <div class="region-content"> <div data-drupal-messages-fallback class="hidden"></div><div id="block-ie-content"> <article class="node node--initiative node--full color-scheme-ie-medium-teal node--has-banner-image" data-js="node-initiative"> <header class="node__header" data-js="node-header"> <div class="node__header-content-wrapper"> <div class="node__banner-image"> <figure role="group" class="media media--image media--tobin-banner"> <picture> <source media="all and (min-width: 1440px)" type="image/webp" data-srcset="/sites/default/files/styles/tobin_banner_1440/public/2024-10/Girdhari%20Bora%20IntraHealth%20International%2C%20Courtesy%20of%20Photoshare.webp?h=82016dbc&itok=i1Bqrw-H 1x"/> <source media="all and (min-width: 1440px)" type="image/jpeg" data-srcset="/sites/default/files/styles/tobin_banner_1440/public/2024-10/Girdhari%20Bora%20IntraHealth%20International%2C%20Courtesy%20of%20Photoshare.jpg?h=82016dbc&itok=i1Bqrw-H 1x"/> <img class="tobin_banner lazyload" width="1440" height="700" alt="Women's hands operating a digital tablet" loading="lazy" data-src="/sites/default/files/styles/tobin_banner_1440/public/2024-10/Girdhari%20Bora%20IntraHealth%20International%2C%20Courtesy%20of%20Photoshare.jpg?h=82016dbc&itok=i1Bqrw-H" typeof="foaf:Image" /> </picture> <figcaption class="media__figcaption"> <cite class="media__credit"> Girdhari Bora</cite> </figcaption> </figure> </div> <div class="node__header-content"> <div class="node__introduction"> <h2><em><span><span><span><span><span><span>From access to credit to secure savings accounts – how can financial institutions realize transformative potential for those historically excluded from financial systems?</span></span></span></span></span></span></em></h2> </div> </div> </div> </header> <div class="node__content"> <div class="node__sections"> <section class="layout--margin-bottom-md layout layout--one-column"> <div class="layout__regions"> <div class="layout__region layout__region--content"> <div class="paragraph paragraph--html-content paragraph--default" id="paragraph-html-content-259340" data-js="html-content"> <div class="paragraph__body"> <p><span><span><span><span><span><span><span>Recent initiatives have focused on ensuring poor citizens have access to formal financial institutions, but in many ways, these innovations have failed to have the transformative impacts they were once thought to guarantee. What financial inclusion initiatives enable the poor not simply to gain access to a bank account, but also to use them to improve their economic circumstances? And how should these programs – whether microfinance, digital cash transfers, or others – be designed to protect and empower traditionally marginalized groups? Our research aims to identify how financial inclusion can work for the poor, and design innovations that support the marginalized, particularly women.</span></span></span></span></span></span></span></p> <p> </p> </div> </div> </div> </div> </section> <section class="layout--background layout--color-scheme-ie-background-gray layout--width-edge-to-edge layout--margin-bottom-md layout layout--one-column" aria-labelledby="heading-layout-261907"> <header class="advanced-header-field advanced-header-field--heading-tag-h2"> <h2 id="heading-layout-261907" class="advanced-header-field__heading"> Explore Our Work </h2> </header> <div class="layout__regions"> <div class="layout__region layout__region--content"> <section class="layout--33-33-33 layout--margin-bottom-md layout layout--three-column"> <div class="layout__regions"> <div class="layout__region layout__region--first"> <div class="paragraph paragraph--curated-content paragraph--default" id="paragraph-curated-content-261909" data-js="curated-content"> <article class="node-teaser node-teaser--publication node-teaser--vertical color-scheme-ie-black node--has-page-image" data-js="node-publication"> <header class="node-teaser__header"> <div class="node-teaser__type-label"> Journal Publication </div> <div class="node-teaser__heading"> <a href="/research/household-matters-revisiting-returns-capital-among-female-microentrepreneurs-0"><span>Household Matters: Revisiting the Returns to Capital among Female Microentrepreneurs</span></a> </div> <div class="node-teaser__publication-info"> <span class="node-teaser__journal-title"> American Economic Review: Insights</span> <span class="node-teaser__publish-date"> (Sep 2019) </span> </div> <div class="node-teaser__author-links"> <a href="/people/rohini-pande" hreflang="en"><span>Rohini Pande</span></a>, <a href="/publications/author/Arielle%20Bernhardt"><span>Arielle Bernhardt</span></a>, <a href="/publications/author/Erica%20Field"><span>Erica Field</span></a> & <a href="/publications/author/%20Natalia%20Rigol"><span> Natalia Rigol</span></a> </div> </header> <div class="node-teaser__content"> <div class="node-teaser__image"> <figure role="group" class="media media--image media--teaser-vertical"> <picture> <source srcset="/sites/default/files/styles/landscape_medium/public/2024-06/AER%20Insights.webp?h=700d9b1a&itok=KsBP2IPJ 1x, /sites/default/files/styles/landscape_large/public/2024-06/AER%20Insights.webp?h=700d9b1a&itok=kp1unZsx 2x" media="all and (min-width: 768px)" type="image/webp"/> <source srcset="/sites/default/files/styles/landscape_small/public/2024-06/AER%20Insights.webp?h=700d9b1a&itok=TbFM45sd 1x, /sites/default/files/styles/landscape_medium/public/2024-06/AER%20Insights.webp?h=700d9b1a&itok=KsBP2IPJ 2x" type="image/webp"/> <source srcset="/sites/default/files/styles/landscape_medium/public/2024-06/AER%20Insights.png?h=700d9b1a&itok=KsBP2IPJ 1x, /sites/default/files/styles/landscape_large/public/2024-06/AER%20Insights.png?h=700d9b1a&itok=kp1unZsx 2x" media="all and (min-width: 768px)" type="image/png"/> <source srcset="/sites/default/files/styles/landscape_small/public/2024-06/AER%20Insights.png?h=700d9b1a&itok=TbFM45sd 1x, /sites/default/files/styles/landscape_medium/public/2024-06/AER%20Insights.png?h=700d9b1a&itok=KsBP2IPJ 2x" type="image/png"/> <img class="teaser_vertical" src="/sites/default/files/styles/landscape_medium/public/2024-06/AER%20Insights.png?h=700d9b1a&itok=KsBP2IPJ" width="720" height="500" alt="Insights" loading="lazy" typeof="foaf:Image" /> </picture> </figure> </div> </div> </article> </div> </div> <div class="layout__region layout__region--second"> <div class="paragraph paragraph--curated-content paragraph--default" id="paragraph-curated-content-261910" data-js="curated-content"> <article class="node-teaser node-teaser--project node-teaser--vertical color-scheme-ie-light-gray" data-js="node-project"> <header class="node-teaser__header"> <div class="node-teaser__heading"> <div class="node-teaser__type-label"> Project </div> <a href="/innovations-inclusive-banking-rural-tamil-nadu"><span>Innovations for Inclusive Banking in Rural Tamil Nadu</span></a> </div> </header> <div class="node-teaser__content"> <div class="node-teaser__image"> <figure role="group" class="media media--image media--page-image"> <picture> <source media="all and (min-width: 1024px)" type="image/webp" data-srcset="/sites/default/files/styles/landscape_medium/public/2024-10/KGFS_branch.webp?h=de836872&itok=T3TqzZG7 1x, /sites/default/files/styles/landscape_large/public/2024-10/KGFS_branch.webp?h=de836872&itok=xGLJwZjj 2x"/> <source media="all and (min-width: 768px)" type="image/webp" data-srcset="/sites/default/files/styles/landscape_small/public/2024-10/KGFS_branch.webp?h=de836872&itok=wrVv-EYn 1x, /sites/default/files/styles/landscape_medium/public/2024-10/KGFS_branch.webp?h=de836872&itok=T3TqzZG7 2x"/> <source type="image/webp" data-srcset="/sites/default/files/styles/landscape_small/public/2024-10/KGFS_branch.webp?h=de836872&itok=wrVv-EYn 1x"/> <source media="all and (min-width: 1024px)" type="image/jpeg" data-srcset="/sites/default/files/styles/landscape_medium/public/2024-10/KGFS_branch.jpeg?h=de836872&itok=T3TqzZG7 1x, /sites/default/files/styles/landscape_large/public/2024-10/KGFS_branch.jpeg?h=de836872&itok=xGLJwZjj 2x"/> <source media="all and (min-width: 768px)" type="image/jpeg" data-srcset="/sites/default/files/styles/landscape_small/public/2024-10/KGFS_branch.jpeg?h=de836872&itok=wrVv-EYn 1x, /sites/default/files/styles/landscape_medium/public/2024-10/KGFS_branch.jpeg?h=de836872&itok=T3TqzZG7 2x"/> <source type="image/jpeg" data-srcset="/sites/default/files/styles/landscape_small/public/2024-10/KGFS_branch.jpeg?h=de836872&itok=wrVv-EYn 1x"/> <img class="page_image lazyload" width="720" height="500" alt="A small lime-green building with an open storefront serves as a rural bank." loading="lazy" data-src="/sites/default/files/styles/landscape_medium/public/2024-10/KGFS_branch.jpeg?h=de836872&itok=T3TqzZG7" typeof="foaf:Image" /> </picture> <figcaption class="media__figcaption"> <cite class="media__credit"> EPoD Harvard</cite> </figcaption> </figure> </div> </div> </article> </div> </div> <div class="layout__region layout__region--third"> <div class="paragraph paragraph--curated-content paragraph--default" id="paragraph-curated-content-261911" data-js="curated-content"> <article class="node-teaser node-teaser--event node-teaser--vertical color-scheme-ie-dark-gray" data-js="node-event"> <header class="node-teaser__header"> <div class="node-teaser__type-label"> Webinar </div> <div class="node-teaser__heading"> <div class="node-teaser__left-section"> <div class="node-teaser__event-start-date"> May 10 2024 </div> </div> <div class="node-teaser__right-section"> <a href="/events/2024/building-resilience-through-inclusive-safety-nets-empowering-marginalized-women"><span>Building Resilience through Inclusive Safety Nets: Empowering Marginalized Women</span></a> </div> </div> </header> <div class="node-teaser__content"> <div class="node-teaser__image"> <figure role="group" class="media media--image media--teaser-vertical"> <picture> <source srcset="/sites/default/files/styles/landscape_medium/public/2024-10/Screenshot%202024-06-20%20at%203.15.41%E2%80%AFPM-1.webp?h=2075fdba&itok=1V5muTSF 1x, /sites/default/files/styles/landscape_large/public/2024-10/Screenshot%202024-06-20%20at%203.15.41%E2%80%AFPM-1.webp?h=2075fdba&itok=5TWJH-04 2x" media="all and (min-width: 768px)" type="image/webp"/> <source srcset="/sites/default/files/styles/landscape_small/public/2024-10/Screenshot%202024-06-20%20at%203.15.41%E2%80%AFPM-1.webp?h=2075fdba&itok=rv4-Mqm8 1x, 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src="/sites/default/files/styles/landscape_medium/public/2024-10/Screenshot%202024-06-20%20at%203.15.41%E2%80%AFPM-1.png?h=2075fdba&itok=1V5muTSF" width="720" height="500" alt="A figure showing women in most intensive financial empowerment arm received money directly" loading="lazy" typeof="foaf:Image" /> </picture> </figure> </div> </div> </article> </div> </div> </div> </section> <section class="layout--33-33-33 layout--margin-bottom-md layout layout--three-column"> <div class="layout__regions"> <div class="layout__region layout__region--first"> <div class="paragraph paragraph--cta-link paragraph--default paragraph--cta-link-primary" id="paragraph-cta-link-259356" data-js="cta-link"> <a href="/our-research-areas/financial-inclusion/knowledge-hub">Knowledge Hub</a> </div> </div> <div class="layout__region layout__region--second"> <div class="paragraph paragraph--cta-link paragraph--default paragraph--cta-link-primary" id="paragraph-cta-link-259357" data-js="cta-link"> <a 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