Sri Sathya Sai Vidya Vihar, Hyderabad India Matriculation
Sri Sathya Sai Higher Secondary School, Puttaparthi India
Sri Sathya Sai Institute of Higher Learning, Whitefield India
University of Hyderabad India M.A (Economics)
Effect of greater access to formal financial services in India on poverty, income inequality and unemployment at the rural and urban levels.
Impact of COVID-19 pandemic on the microfinance sector, together with shift in policy framework of the government towards small businesses in India.
Awards & Fellowships
2015 – Junior Research Fellow – University Grants Commission
2017 – Senior Research Fellow – University Grants Commission
List of Publications
Financial Inclusion Across Major Indian States: Some Spatial Panel Error Component Evidence. - Sadharma, E. K. S. & Acharya, D. - International Journal of Social Economics, 48(3), 419-436. (2021)
Non-Banking Financial Companies-Microfinance Institutions in India: Current Policy Issues and Challenges - Acharya, D., & Sadharma, E. K. S.- Arthika Charche: FPI Journal of Economics and Governance, 5(1), 03-14. (2020)
Does Financial Inclusion Matter for Poverty and Unemployment? Some Evidence from Indian States - Sadharma, E. K. S., & Venkatachalapathy, T. K. - Microfinance Review, 10(1), 36-51 (2018)