What does this research mean for the field?

In the context of competing regulatory authorities in Indian microfinance, poor borrowers utilize both real and fake loan waivers as a form of political claims-making to refuse repayment. Novelty: ClaimNovelty.INCREMENTAL. Consensus alignment: ConsensusAlignment.NEUTRAL.

What question did this study set out to answer?

To examine how competing regulatory authorities between state governments and the central bank impact borrower repayment behavior and loan waiver claims in Indian microfinance.

August 30, 2026Economy and Society

Waivers and frauds: The politics of regulation and claims-making in Indian microfinance

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Authors

SKSohini Kar

Discussion

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Overview

Policy analysis reveals loan repayment refusals and fraudulent waiver claims in Indian microfinance borrowers, highlighting regulatory friction between state and central authorities.

Key Points

To examine how competing regulatory authorities between state governments and the central bank impact borrower repayment behavior and loan waiver claims in Indian microfinance.
Qualitative policy analysis of Indian microfinance governance and regulatory oversight at state and central levels.
Investigation of institutional frictions between the central bank and state political authorities concerning financial inclusion initiatives.
Competing regulatory jurisdictions between state governments and the central bank generate borrower refusals to repay microfinance loans.
Borrowers mobilize both authentic and counterfeit debt waivers as informal instruments for political and economic claims-making.
Regulatory competition exacerbates the growth of non-performing assets, presenting systemic challenges to the formal microfinance sector.

Cite This Study

Sohini Kar (2026) studied this question.

synapsesocial.com/papers/6a93efe56c1a8fb52e79bee9 https://doi.org/10.1080/03085147.2026.2699524

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August 30, 2026Economy and Society

Waivers and frauds: The politics of regulation and claims-making in Indian microfinance

View Full Paper

Ask AI

Bookmark

Authors

SKSohini Kar

Discussion

Member takes

Overview

Policy analysis reveals loan repayment refusals and fraudulent waiver claims in Indian microfinance borrowers, highlighting regulatory friction between state and central authorities.

Key Points

To examine how competing regulatory authorities between state governments and the central bank impact borrower repayment behavior and loan waiver claims in Indian microfinance.
Qualitative policy analysis of Indian microfinance governance and regulatory oversight at state and central levels.
Investigation of institutional frictions between the central bank and state political authorities concerning financial inclusion initiatives.
Competing regulatory jurisdictions between state governments and the central bank generate borrower refusals to repay microfinance loans.
Borrowers mobilize both authentic and counterfeit debt waivers as informal instruments for political and economic claims-making.
Regulatory competition exacerbates the growth of non-performing assets, presenting systemic challenges to the formal microfinance sector.

Cite This Study

Sohini Kar (2026) studied this question.

synapsesocial.com/papers/6a93efe56c1a8fb52e79bee9 https://doi.org/10.1080/03085147.2026.2699524

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