Browsing Working Papers by Author "Sane, Renuka"

Now showing items 1-12 of 12

Distribution fees and mutual fund flows: Evidence from a natural experiment in the Indian mutual funds market

Anagol, Santosh; Marisetty, Vijaya; Sane, Renuka; Venugopal, Buvaneshwaran (2013-02)

Mutual fund companies typically charge investors distribution fees, such as 12b-1 fees in the United States, which they then use to pay commissions to brokers. We evaluate a major Indian investor protection reform that ...
An Economic policy and legal analysis of the micro finance institutions (development & regulation) bill, 2011

Roy, Shubho; Sane, Renuka; Thomas, Susan (2012-06-04)

In response to the Second Micro Finance Crisis in Andhra Pradesh, which took place in October 2010, the Ministry of Finance has pro- posed a new Micro Finance Institutions (Development & Regulation) Bill. This paper ...
Estimating losses to customers on account of mis-selling life insurance policies in India

Halan, Monika; Sane, Renuka; Thomas, Susan (2013-04)

This paper presents two approaches that use publicly available data to estimate the loss to investors from mis-selling of insurance products. The first approach uses the number of lapsed policies from the annual reports ...
From participation to repurchase: Low income households and micro-insurance

Sane, Renuka; Thomas, Susan (2016-07)

The paper asks what drives insurance coverage in low income households by analysing repurchase patterns of micro-insurance policies. We use data on customers of a financial services provider from three states in India ...
How is financial regulation different for micro-finance?

Sahoo, M; Sane, Renuka; Thomas, Susan (2012-06-06)

What is the role of nancial regulation in the eld of micro- nance? This paper identifies two features of micro- finance which call for unique treatment in policy considerations as compared to policy thinking in the ...
In search of inclusion: Informal sector participation in a voluntary, defined contribution pension system

Sane, Renuka (2013-10)

This paper examines who contributes and who persists in contributing in a national, voluntary, defined contributory pension program, where the government provides the incentive of matching contributions of a minimum amount ...
A Policy response to the Indian micro- nance crisis

Sane, Renuka; Thomas, Susan (2012-06-04)

Recent events in India have brought a fresh focus upon the problem of regulation in the eld of micro- nance. This paper delineates the three distinct aspects where government needs to play a role. The rst is to protect ...
The Real cost of credit constraints: Evidence from micro-finance

Sane, Renuka; Thomas, Susan (2013-07)

In December 2010, the Indian state of Andhra Pradesh passed a law that severely restricted the operations of micro-finance institutions and brought the micro-finance industry to an abrupt halt. We measure the impact of ...
Reforming personal insolvency law in India

Ramann, Siva; Sane, Renuka; Thomas, Susan (2015-12)

In India, we have paid more attention to the restructuring and winding up processes for companies. In contrast, the legal framework for insolvency in India is rooted in century old laws. In this paper, we motivate the need ...
A Regulatory approach to financial product advice and distribution

Sahoo, M; Sane, Renuka (2012-06-04)

Financial distribution, where the distributor is the agent of both the product provider and the customer, has been found to inherently work against the interests of customers, in the form of high service fees and perverse ...
The way forward for India's National Pension System

Sane, Renuka; Thomas, Susan (2014-07)

This paper examines the existing implementation of the National Pension Scheme against the goals with which it was created. It finds that there are certain critical areas in which the NPS has deviated. These include ...
What should regulation do in the field of micro-finance?

Sane, Renuka; Thomas, Susan (2012-06-06)

Recent events in India have brought a fresh focus on the appropriate regulatory stance towards micro-finance. In this paper, we review facts and recent experience about Indian microfinance. We analyse the puzzles of ...

Now showing items 1-12 of 12

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