I have always believed that repaying loans on time has a lot to do with the mind of the borrower. There is no model or perfect equation that can ensure compliance with the repayment schedule if the borrower does not

The COVID-19 pandemic has confined more than half the population. While the lockdown has been lifted, people still fear meeting each other physically while others continue to avoid going out unless it is essential. With public gatherings such as fairs,

Over the years, the Indian subcontinent has been witnessing regular natural disasters like cyclones, flash floods and earthquakes. As lives and livelihoods suffer devastation, the aftermath often takes years of recovery. It goes without saying that the most affected by

Indian women are often referred to as Goddess Durga, the Devi with multiple arms. When I, in my current role, visit a VFS borrower and get to know of her personal life, I cannot help but agree with the comparison.