Dear Alexander

Thank you for your response!

I am not specifically looking for frugal innovations. I want to understand and assess different low cost distribution channels available for financial services with or without technology interventions.

My focus is on the un-banked markets be it in India or even the Sub-Saharan Africa where the penetration of financial services is low due to the income levels or the inability to access.  

One such example was the Bandhus by FINO Paytech in India.

Dear Ratna,

Please find some informationa bout the relevant literature which I read about microfinance in rural area:

A Collection of Case Studies on the Legal and Regulatory Framework for Microfinance Provision, Decembrie 2012;

Agriculture and Rural Development, FADN: Field of Survey, Available at : http://ec.europa.eu/agriculture/rica/methodology;

Balanţa de plăţi şi poziţia investiţională internaţională a României, Raport anual 2013, BNR, Decembrie 2014;

Best practice in mobile microfinance, July 2012;

Best Practices for National and Regional Microfinance Associations, Nov. 2011;

Best practices in microfinance in UE, 2015, European Microfinance Network;

Can Financial Education Be the Engine for Savings Growth, 2014;

Council of European Union (26 July 2013). Family farming prospects in the context of globalization, Discussion Paper. 12786/13, AGRI 516.

Dialectic evolution through the social innovation process: from microcredit to microfinance, 2014;

Financing Small Enterprises: What Role for Microfinance Institutions, July 2012;

OECD Center for entrepreneurship, SMEs and Local Development, august 2013;

Rural Review in UE n. 10, în 2011

Rural Review in UE N 13, 2012,

USDA. National Institute of Food and Agriculture: Family & Small Farms, www.nifa.usda.gov

I wish you all the best and succes in your research.

Otilia

Dear Otilia

Thank you very much for the inputs 

The inputs would definitely be of great use

Ratna

Dear Ratna Paluri

Greetings,

Please find the attached file about your topic may be useful for you.

Best Regards

Thank you !!