Emmanuel V Murray

Emmanuel V Murray
National Bank for Agriculture and Rural Development | NABARD

B. Com (Honours), PGDRM(IRMA), M. Phil (Development Studies) Fellow of the Indian Institute of Banking and Finance
Investment Director, Caspian Impact Investment Adviser

About

257
Publications
456,074
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109
Citations
Citations since 2016
187 Research Items
72 Citations
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Introduction
Graduate of Institute of Rural Management, Anand (IRMA), worked with NABARD, Reserve Bank of India & Oikocredit, presently with Caspian Impact. A leading Researcher on Agriculture Finance, Rural Credit, & Small Business Finance. Acclaimed mentor. Most topics of my works are original and exclusive. Full texts of all documents, freely downloadable. Available to support Research work, Training and Consulting. Almost all work I do is pro-bono.
Additional affiliations
November 2016 - present
Caspian Impact Investment Adviser Ltd
Position
  • Investment Director
Description
  • Lead a Fund that makes equity investments in the Agri space.
November 2011 - September 2016
Maanaveeya Development & Finance (Oikocredit India)
Position
  • Deputy Managing Director
Description
  • Overseeing entire Credit Operations.
April 2009 - November 2011
Education
July 1999 - June 2001
Dr.B.R. Ambedkar Open University
Field of study
  • Development Studies
July 1981 - March 1983
Institute of Rural Management Anand
Field of study
  • Rural Management
June 1978 - March 1981
Osmania University
Field of study
  • Commerce

Publications

Publications (257)
Technical Report
Full-text available
In recent times, almost every major business house of the country is venturing in a big way into the agri-business sector, especially with regulations allowing corporates to now directly have contractual arrangements with farmers. One of the triggers for this newfound interest in agribusiness by the corporates is the change occurring in the retail...
Technical Report
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The paper describes how Thailand has systematically developed its Agro processing and Food Sector to become a Major Exporter of Food and Food Products to the whole world, this inspite of being a small nation. The experience provides lessons for other countries, particularly India to emulate.
Technical Report
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A brief presentation of the Current FPO Landscape in India
Technical Report
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A presentation on how social media can be leveraged for networking by Startups.
Technical Report
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A discussion on the performance of Start-up Incubators in India
Technical Report
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The paper examines the policy and regulatory issues hampering the healthy growth of FPOs.
Technical Report
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The presentation highlights the challenges of building an Entrepreneurial Environment in Academic Institutions with particular reference to Agriculture Universities in India.
Technical Report
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The presentation reflects on how Ag Fintechs look at the potential market, and where they are relevent and can be meaningfully engaged.
Presentation
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The presentation talks about the challenges of building a Entrepreneurial Ecosystem in Conventional Academic Institutions.
Technical Report
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Some personal notes.
Technical Report
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A message for Bankers planning to Lend to Farmer Producer Organizations.
Book
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A Report on Farmer Producer Organisations in India and emerging landscape
Presentation
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A talk on the challenges being faced by FPOs and the opportunities to address them
Technical Report
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Some personal notes
Technical Report
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The brief Essay explains why Corporates have challenges in doing business with FPOs.
Technical Report
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A brief write-up on some of the large-scale projects that the Researcher was involved in, in his lifetime.
Technical Report
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This Document captures the debate on whether Farmer Producer Organisations can operate as Financial Intermediaries to deliver credit to their members.
Technical Report
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A Presentation made to the Students of the School of Sustainability, Xavier University, Bhubaneswar
Technical Report
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A quick exercise and the solution.
Technical Report
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The brief write up explains the subtle difference between Training and Learning.
Technical Report
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Can FPOs operate as Financial Intermediaries to Banks to provide Credit to Smallholder Farmers? This is the Topic on which I spoke at a Conference on Business Potential in Financing FPOs in 21 March 2022.
Technical Report
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Mentoring Startups is exciting, but with it come a lot of challenges as well. A quick summary of my experience.
Technical Report
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Credit Scoring as a concept has not been around in India for long. It is a tool to profile individuals and organizations based on their conduct in relation to credit, and thereby predict future behavior, to help lenders take better Credit decisions. The basis for the analysis includes, excessive demand for credit (credit hungry) and the timely serv...
Technical Report
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This is a Transcript of the talk I gave on decoding the Revenue Model of Startups as a part of the Design Thinking Course
Presentation
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A talk on Fundraising given today to Startup Founders
Technical Report
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Technical Report
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This is a compulsory session for new joiners to Caspian, to familiarize them with the organization culture.
Technical Report
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A compilation of Articles on FPOs written over the last two and a half years, into a document and arranged by themes. Hoping it will be a useful reference document for practitioners and academics with interest in this space.
Technical Report
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Basics of Funding for Startups
Technical Report
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General Observations of the Fruits and Vegetables Sub-Sector and the Direction of Growth.
Technical Report
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Roundtable on Innovation and Digitisation of Agtech - Questions posed to Emmanuel Murray, and Responses.
Technical Report
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The note argues that pricing of credit for the poor needs to be done with application of mind based on their capacity to pay.
Technical Report
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Points made by me at the Session on Financial Inclusion at the Sa-Dhan National Conference 2021
Technical Report
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While India has made great strides in Digitization of Financial Services, there are things that still need attention.
Presentation
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Investment Opportunities in Agri and Allied sectors, and the challenges faced and way forward.
Conference Paper
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Summary of the points I made at a Panel Discussion on Sustainable Micro Entrepreneurship
Article
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The article explains the importance of banks in Rural Credit and that for the best interest of farmers and rural clients, agri fintechs need to partner with banks.
Technical Report
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Primary Agricultural Cooperative Societies (PACS) which are more than a hundred years old, deserve another policy push. They can help make the vision of Atmanirbhar Bharat a reality.
Technical Report
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A panoramic view of the Input and Output markets for the Project of Business School students.
Technical Report
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Debt can also be a way to grow your business
Conference Paper
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Presentation on Status of Farmer Producer Organisations in India and Future Outlook
Presentation
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Status of Farmer Producer Organisations in India and Future Outlook
Technical Report
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A general overview of FPO lending in India
Article
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The article describes how it is possible for an Agri Startup to grow and prosper with Debt finding from new-age lenders like Caspian.
Presentation
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Some Guiding points for Early Stage Enterprises to consider about their Financial Management
Technical Report
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Everyone at Caspian shares the mission and vision of the company, starting with the Office Assistant. This article takes you behind the curtain, to give a glimpse of the Caspian Administration Team. It highlights how crucial good administration is for an organisation to excel, and how Caspian is blessed with some superstars.
Technical Report
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My thoughts on the need for re-ordering relationships in Development Programmes.
Technical Report
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A review of performance of Incubators in India and some suggestions for consideration.
Technical Report
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Notes from an interview given on Farmer Producer Organisations (FPOs) and their potential role in Climate Adaptation.
Technical Report
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The reason I write explained
Technical Report
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The paper highlights some recent trends in financing Farmer Producer Organisations.
Technical Report
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An essay on why Self Help Groups even if having financial resources to spare, should think before lending it to farmer-members of Farmer Producer Organisations.
Technical Report
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A Critique on the Current Scene in the Investment World of Private Equity and Venture Capital Investors.
Technical Report
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Some Tips on Public Speaking for the Uninitiated.
Technical Report
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An ode to the Best Boss I ever had.
Technical Report
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All Transformation processes need not be Big Bang!
Technical Report
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This paper explains how PACS are still relevant Institutions in Rural India, but the need to transform themselves to the changing economic and social realities.
Technical Report
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If one is on a Mission, they never retire.
Technical Report
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Building a robust and sustainable FPO is not a mechanical process, but is 'Social Engineering'. If the aim is to build an organisation 'of' the farmers, then it is they who need to be at the center. If on the other hand it is 'for' the farmers, then you might as well run it with managers who understand business, and it can still do good for the far...
Technical Report
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A talk on Impact Investing to the MBA Students of MDI Gurgaon
Technical Report
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My assessment of the Underserved Rural Credit Market
Technical Report
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Although there are close to 10,000 FPCs (FPOs will be more), only 542 have been able to obtain credit from all agencies put together. Why is there not more interest from lenders in FPOs? and what can be done to change that? That was the subject of my talk.
Technical Report
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The note explains how the FPO is not taken as a serious competitor by Traders
Technical Report
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How we took on an audacious Goal and achieved it.
Technical Report
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Explains the power of partnership and collaboration.
Technical Report
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How can DFIs like NABARD play a role in enhancing Credit Flow to Agri and Agtech Startups
Technical Report
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Some practical tips drawn from experience of how to moderate a Panel Discussion. Do feel free to quote and use as you wish.
Technical Report
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This brief write-up talks of practical real-life situations in organisations where the separation of official and personal become blurred.
Technical Report
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A Scoping Exercise on the possibility of an Agri focused Incubator providing Seed Investment to its portfolio companies in debt mode.
Technical Report
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Experience Sharing
Presentation
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A brief presentation on the Food and Agriculture Ecosystem in India
Technical Report
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From my personal DairyNABARD
Technical Report
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Highlights of a Webinar held on 10 September 2020 with Industry Experts and Investors
Technical Report
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Excerpts from a recent interview with an Eminent Researcher
Technical Report
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A brief narration of a personal experience.
Technical Report
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Sharing a personal experience from the days I was in the Training field.
Technical Report
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A introspective piece on recruitment in the Public Sector.
Technical Report
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The brief conversation outlines what should be the Design Features for a Guarantee Product that will be meaningful for lenders to FPOs.
Technical Report
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A basic tick list of aspects to look at when assessing an Farmer Producer Organisation for Credit Linkage.
Technical Report
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A brief narration of how the Business Correspondent Model of Microfinance in India was born.
Technical Report
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Extracts from my Time in Nagaland.
Technical Report
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Personal Notes on the need to be Authentic.
Technical Report
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I was asked to share my thoughts on the Mandate and Scope that the NABARD Foundation should have. Putting it here for wider dissemination.
Technical Report
An assessment of the Performance of FPOs under APRIGP of SERP AP on various metrics.
Technical Report
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Outlook for the Agri Start-ups in India based on current trends. Summarizing a free-flowing discussion I had with a consulting firm (Ernst & Young LLP) on the outlook for Agri Start-ups in India.
Technical Report
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Some practical tips on Training Design
Technical Report
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A free-flowing discussion on the offer of some Agri Startups to computerize Farmer Producer Organisations and the apprehensions FPOs have about taking up the offer.
Technical Report
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This is a brief narrative on grooming 30 new recruits to NABARD into officers.
Technical Report
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Sharing a few thoughts on Life after College.
Technical Report
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The article expounds how the market penetration that FPOs made during the 2020 Lockdown need to be consolidated and built upon for sustainability and Success.
Technical Report
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This short essay highlights the challenges faced in lending to Blue Collar Workers.
Technical Report
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A brief note of how experiences from everyday work can generate knowledge that is useful to a wider audience.
Technical Report
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A brief note shared prior to the Webinar on Farmer Producer Organisation, for The Rural Post
Technical Report
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A critical analysis on the Policy for Farmer Producer Organisations.

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