New Insights : Aug 2009

I am writing after a long time , drive was not there as I was trying to trace what is new that can shared

Today I think I have some thing to share

Over 4 million Oulets in FMCG Rural outlets in Rural India : option of using fraction of these Retail outlets as banking correspondents is pretty tempting

These outlets interact with consumers closely and have good credit history of consumer ( on both intention and ability to pay) , which can be of immense value to banking sector .

But who can coordinate and monitor these retailers . It can be done FMCG companies whose products are "anchor business" for these retailers

But today Most of FMCG companies reach these outlets passively as it too costly to serve and hence the entire value chain is left under utilised . Is it possible that these too sectors come together and create distribution innovation

Quite possible and I think we can succeed in RBI allows these counters to be Business correspondents under supervision of Responsible Bank and FMCG company

e choupal news : Jan 2009

What is 2000 pop village GDP ??
Interesting research topic ?? :

Though one may have lot of statistics to prove otherwise
I am presenting A Villager view on his village ..
This village with 1500 acre land : each acre yielding Rs 10000 - Rs 20000 depending upon irrigation and number of crops : that makes to 1.5 crores - 3 crores on Income side . Now this village has 20% of agri income spend on agri labour : this adds to village income , and 70 -90% of village income is from agri and rest is non agri : lets say on conservative side 20% is generated from non agri ie :
On low Side 2.20 ( 1.8 agri + 0.04 non Agri ) or 4.4 on higher side ..

Well would like readers take on this hypothesis