In this paper we present a solution built to improve loan management for auto-rickshaw drivers in Bangalore. As part of a bid to increase financial inclusion, a social enterprise (TWU) supports drivers in taking loans from mainstream banks to purchase their auto-rickshaws. Findings from an ethnographic study show that whilst providing a vital service, TWU managed its processes through an ad hoc mixture of paper and technology. Their processes enable the flexibility crucial for supporting a financially-vulnerable community, but unfortunately important information was often not to-hand, leading to sub-optimal decisions being made about loan allocation. We developed and deployed an integrated technical solution to support TWU\u2019s work. In this paper, we describe the back-office solution and how it has assisted the organization in streamlining its operations, supporting more informed decision making and providing the opportunity to scale-up their operations.<\/p>\n","protected":false},"excerpt":{"rendered":"
In this paper we present a solution built to improve loan management for auto-rickshaw drivers in Bangalore. As part of a bid to increase financial inclusion, a social enterprise (TWU) supports drivers in taking loans from mainstream banks to purchase their auto-rickshaws. Findings from an ethnographic study show that whilst providing a vital service, TWU […]<\/p>\n","protected":false},"featured_media":499625,"template":"","meta":{"msr-url-field":"","msr-podcast-episode":"","msrModifiedDate":"","msrModifiedDateEnabled":false,"ep_exclude_from_search":false,"_classifai_error":"","footnotes":""},"msr-content-type":[3],"msr-research-highlight":[],"research-area":[13554,13559,13568],"msr-publication-type":[193716],"msr-product-type":[],"msr-focus-area":[],"msr-platform":[],"msr-download-source":[],"msr-locale":[268875],"msr-post-option":[],"msr-field-of-study":[],"msr-conference":[],"msr-journal":[],"msr-impact-theme":[],"msr-pillar":[],"class_list":["post-499634","msr-research-item","type-msr-research-item","status-publish","has-post-thumbnail","hentry","msr-research-area-human-computer-interaction","msr-research-area-social-sciences","msr-research-area-technology-for-emerging-markets","msr-locale-en_us"],"msr_publishername":"ACM \u2013 Association for Computing Machinery","msr_edition":"","msr_affiliation":"","msr_published_date":"2017-12-1","msr_host":"","msr_duration":"","msr_version":"","msr_speaker":"","msr_other_contributors":"","msr_booktitle":"","msr_pages_string":"","msr_chapter":"","msr_isbn":"","msr_journal":"","msr_volume":"","msr_number":"","msr_editors":"","msr_series":"","msr_issue":"","msr_organization":"","msr_how_published":"","msr_notes":"","msr_highlight_text":"","msr_release_tracker_id":"","msr_original_fields_of_study":"","msr_download_urls":"","msr_external_url":"","msr_secondary_video_url":"","msr_longbiography":"","msr_microsoftintellectualproperty":1,"msr_main_download":"499637","msr_publicationurl":"","msr_doi":"","msr_publication_uploader":[{"type":"file","viewUrl":"https:\/\/www.microsoft.com\/en-us\/research\/uploads\/prod\/2018\/08\/prayana-journey-financial-camera-ready.pdf","id":"499637","title":"prayana-journey-financial-camera-ready","label_id":"243132","label":0}],"msr_related_uploader":"","msr_attachments":[],"msr-author-ordering":[{"type":"user_nicename","value":"Apurv Mehra","user_id":38398,"rest_url":"https:\/\/www.microsoft.com\/en-us\/research\/wp-json\/microsoft-research\/v1\/researchers?person=Apurv Mehra"},{"type":"text","value":"Sambhav Satija","user_id":0,"rest_url":false},{"type":"user_nicename","value":"Jacki O'Neill","user_id":32172,"rest_url":"https:\/\/www.microsoft.com\/en-us\/research\/wp-json\/microsoft-research\/v1\/researchers?person=Jacki O'Neill"}],"msr_impact_theme":[],"msr_research_lab":[199562],"msr_event":[],"msr_group":[144784,371909,602169],"msr_project":[390764],"publication":[],"video":[],"download":[],"msr_publication_type":"inproceedings","related_content":{"projects":[{"ID":390764,"post_title":"Digital Money, Financial Capability and Financial Inclusion","post_name":"digital-money-financial-capability-and-financial-inclusion","post_type":"msr-project","post_date":"2017-06-16 03:00:23","post_modified":"2021-07-02 13:57:18","post_status":"publish","permalink":"https:\/\/www.microsoft.com\/en-us\/research\/project\/digital-money-financial-capability-and-financial-inclusion\/","post_excerpt":"This project explores the impact of different forms of money and financial technologies on financial inclusion for low and variable\u00a0income communities. 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