Article

Emerging Insight: Clients prefer flexible contribution levels and focus on wealth accumulation in savings products

01 March 2023

Publication

Social Finance Brief: Dvara KGFS

23 January 2023

Dvara KGFS is a non-banking financial company serving more than a million customers and enterprises in rural areas of India. This Social Finance Brief describes their integrated risk management product “Dvara Sampoorna Sampath” and how it helps households in India with risk protection and wealth creation.

Publication

Selling insurance through agent networks

22 November 2022

Distribution is one of the biggest obstacles in offering insurance services to low-income households, small enterprises and rural communities. Digital channels offer new opportunities, but a more high-touch model is often needed to educate households about insurance and to build trust. Agent networks, such as those used in banking and microfinance, can help address some of these challenges faced in insurance. This brief presents ten lessons from banks, MFIs and existing experiences of insurers in establishing and using agent networks, laying out the different ways these networks can operate.

Article

Emerging Insight: Making the right tweaks to provide effective emergency loans

02 June 2021

Publication

Social Finance Brief: Designing emergency loans - the experience of Dvara KGFS

28 April 2021

Dvara KGFS is a non-banking financial company (NBFC) based in India. Since its inception in 2008, Dvara KGFS has strived to build a unique model to meet the financial needs of rural customers to promote wealth creation. Over the past few years, Dvara KGFS has worked on offering a redesigned emergency loan product.

Article

Emerging Insight: Women can become powerful advocates for insurance within local communities

27 August 2020

Article

Emerging Insight: Postal networks are facilitating doorstep banking during COVID-19

22 May 2020