This publication explores a central debate in the sector: whether access to microcredit and related financial services improves the lives of low-income households, or whether easy access to credit, often from multiple sources, risks leading to over-indebtedness and deeper vulnerability.

This publication offers a mega-analysis of the contemporary microenterprise sector in India.

This paper sets out the manner in which people are mystified by digital financial services (DFS) and the type and intensity of effort needed to improve understanding.

This paper argues, that in order to ensure sustainable growth, MFIs must strengthen risk assessment frameworks, improve borrower onboarding processes, and enhance staff training to mitigate these risks.

In this paper, M-CRIL addresses the issues to overcome constraints in digital finance and support microenterprises.

This document combines data from the Annual Survey of Unincorporated Sector Enterprises with M-CRIL’s 40+ years of experience studying every aspect of microenterprises in India and in a dozen other countries in Asia as well as to some extent in Kenya, Uganda, Ethiopia, Ghana, South Africa and other countries.

Based on its recent impact assessment study of Cambodian microfinance, M-CRIL has written two advisory notes which examine the validity of some of the sensational international headlines and propose reform measures for the sector.

This impact assessment aims to understand the success and overall impact of the microfinance sector since the start-up of the microfinance program in Cambodia up to today.