Essays on rational absurdity of banking
How lenders assess borrowers, deal with uncertainty, and make credit decisions under imperfect information.
Market is rejoicing that credit growth is back. But it was not the doing of the banks. Instead it seems to be lender’s market with long wait for credit approvals and straight jacketed approach followed by banks. But times can change to Borrower’s market very soon. Sumit Kakkar shares his perspectives
‘What is an SME?’ has no all-encompassing answer. Any standardised approach to building SME Lending strategy is therefore fraught with risks. We deep dive into two important factors that can be guiding lights- variance in SME definitions and the role legal ecosystem plays. Amit Balooni shares the pointers
How much information is enough for credit evaluation? For a streamlined process a delicate balance needs to be maintained between timeliness and need for facts. Sumit Kakkar shares his perspectives
Payday Loans is still a nascent category in India. But digital Lenders are finding their feet and formalising the segment. Mrityunjay Shahi explains Payday lending fundamentals and its pros and cons.