Government and Social Impact Domain (GSI)
MicroSave’s Government and Social Impact (GSI) domain helps in policy design, pilot testing,
implementation support, assessment and evaluation of social impact programmes. We work with regulators,
governments, policymakers, think-tanks, academic institutions, NGOs, and service providers in several developing
and underdeveloped countries.
We have examined national regulations and assessed regulatory compliance and processes, including KYC practices
and procedures for G2P services. We have acted both as independent researchers to provide policy advocacy and
have been part of technical assistance programmes to specific government and private organisations working with
governments to facilitate G2P services.
MicroSave's Government and Social Impact domain: Aiding Governance, Bettering Lives
For 20 years, MicroSave has been a part of underprivileged households, understanding their
aspirations, goals, challenges, and financial behaviour to ensure the strengthening of last-mile delivery
systems. It was during these interactions over the years that we realised the “intent-action gap”
that can sometimes cripple the otherwise well-intentioned government programmes.
With rapid changes in government-to-people (G2P) structures across geographies, MicroSave’s work has
evolved from scheme-based assessment and evaluation to policy design and implementation support. We have been
instrumental in developing and refining the Indian Government’s Aadhaar-linked Direct Benefit Transfer
(DBT) programme. We are leveraging our learnings from India to assist countries in other geographies to better
design their financial inclusion and implementation policies.
For a few developed countries worldwide, government-led social welfare spending has been as high as 30% of the
GDP. This spending has primarily been focused towards education, health, family welfare, women and child
development, social justice and empowerment, rural development, and basic minimum services depending upon the
country’s socioeconomic profile. Interestingly, even a developing country like India spends about 11% of
the total government expenditures on selective social welfare programmes.
Despite these spends, persistent delivery challenges in the last mile continue to trouble beneficiaries of
social welfare programmes. Research findings indicate that leakages in the Targeted Public Distribution System
(TPDS), India’s largest food grain subsidy programme, are at 41%. Almost 45% of the subsidised kerosene is
lost to the black market, while over 65% of the fertiliser subsidy does not reach the intended
beneficiaries, that is, small farmers in India.
Such delays, combined with other hurdles, leave considerable leakage gaps every year. Further, there are
frequent reports of delays in accessing government benefits and cases of exclusion of the intended beneficiaries
from beneficiary lists.
MicroSave's work has evolved from assessment and evaluation to policy design