Financialization of Housing – is it an evil which leads to deprivation and degradation of the poor in society, infringing on their right to housing and shelter? Or is it of great benefit in an open market economy which leads to movement of scarce capital to the sector which has…
I have been noticing that financial services lenders and banks take policy calls on not lending to a particular sector(s) at various points in time during economic and industry cycles. Some years back it was the steel industry and now the services and the hospitality sector. Does this stem from…
Like Health and education, housing has seen subject of debates on whether universal approach or targeted approach is the way out for providing housing to all in a country. Universal approach, where housing is provided by the state irrespective of social or economic status has been followed by small countries…
In all the years that I have been Consulting and Training in the Retail Lending space especially in the MSME sector I have always felt the need for NBFCs /Banks to look at consultative approach rather than product centric approach to MSME lending. Covid has now made it imperative for…
Coronavirus disease 2019 (COVID-19) has impacted our end consumers in numerous ways. The widespread outbreak has led to lockdowns and stay-at-home orders that have resulted in the closure of various businesses (e.g. hotels, airlines, restaurants, tourism and entertainment), an unemployment crisis, salary freezes and reductions in pay for the global…
Most supply chains were created based on the infrastructure and needs of each company, seldom were they created keeping in mind the needs of customers. The time has arrived where companies need to redesign and segment their supply chains based on the needs of their Key Customers. This is easier said than done as this will need identification of Key Customers, building strategic relationships with them, ushering in flexibility in the supply chain to incorporate necessary changes and sharing benefits with the customer.
The next decade will experience increasing volatility and complexity in the business environment and specifically in the demand of consumer and industrial items. Structured and regimented supply chains will not be the best suited to deliver necessary service and costs in such an environment. The need for the times would…