IndiaP2P Blog

If asked to imagine businesspersons, entrepreneurs, self-employed individuals, most of us are likely to picture a man.  However, the reality is more balanced.  Just in India, we have over 20% of MSMEs owned and run by women.  The past decade and a half has also been instrumental in creating financial parity amongst genders through the creation of bank accounts and credit extension focused on women; creating millions of thriving women owned businesses. Credit or loans enable businesses to grow, create greater economic value, jobs and of course, generate returns for the credit provider as well. In this context, is there a difference between how men and women access and repay loans? The answer is yes.  When it comes to credit extension to women, a global success story has been that of microfinance wherein small loans (going up in size over time) are extended to women basis social underwriting.  In India, as with other types of loans, microfinance loans to women...

Making investments to grow your money is essential. Most investments these days carry an amount of risk. Investors are prone to making mistakes, especially when they are new to investing. It is common for everyone to make a mistake with their investment at least once during their journey. However, one can also learn from other’s mistakes and avoid making those mistakes, to begin with. Investing usually seems like a stress-free side hustle. However, first-time investors often find that the truth is far from this myth. Investing takes time, effort and patience. Investing in any asset class can be tricky and can cost you lots of money if not paid attention to.  Investing can be exciting mainly because of the significant rewards it can potentially provide. However, if you would like to reap high rewards from investing, it is important to follow a good strategy. But, sometimes, people who follow a good strategy can also incur losses during their investment. It is usually...

We must have all come across the term diversification at least once by now. Doesn’t matter if we invest in the stock market or not, the term has been fairly used for quite a while, across multiple mediums. But what does diversification in financial terms really mean? To describe it in simple terms, diversification refers to the practice of spreading out one’s investments in order to limit the exposure to a specific type of asset. This concept helps in reducing the volatility and overcome the fluctuations that are common in the stock market. Importance of Diversification Diversification acts as the ultimate safeguard against the risk of a single investment bucket performing poorly or failing completely. For instance, if you had invested all your hard earned money in the stock market, then there are chances that you might lose out on your empteen capital due to the stock market crash. Now when you diversify your investments across multiple asset classes, some might fall...