Dr V.Rengarajan , Independent consultant, India
10 October 2023

Three ' must' for constructing a robust Green index and universal standard for social performance
1. Microfinance inclusion need to go beyond micro credit or loan. A mere micro loan dispensation leads to overheating the household economy and increases debt stress and exclusion after inclusion
2. Green centered micro finance products and services need to be developed ( eg. solar power generation/solar power based equipment , bio gas plant, gobar gas plant, social forestry, tree plantation, waste recycling plants etc)
3. Micro insurance and pension as climate resilience products mandatory linked to loan products
Dr .V. Rengarajan