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…
Post Covid 19, NBFCs and Banks can focus for business in the used car space and in the two wheeler and high end bicycle segment. People will shun public transport at least for a year till confidence is restored or a vaccine or a cure is found and put in…
In all theses 9+ years of Consulting and Training for NBFCs/ Banks / HFCs in Retail lending my constant refrain has been that credit risk needs to uncover liquidity risks more than solvency. If liquidity is maintained solvency will follow but the reverse is not true. Post Covid19, the industry…