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Dharmesh Ba
Dharmesh Ba

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Published in

The India Notes

·Jun 6, 2021

Why does a salary cut hurt more than the joy of a bonus?

A short note loss aversion in behavioral economics — The following questions presented to two different groups of subjects, and they were asked to choose an option.

Design Notes

3 min read

Why does a salary cut hurt more than the joy of a bonus?
Why does a salary cut hurt more than the joy of a bonus?
Design Notes

3 min read


Published in

The India Notes

·Jun 6, 2021

Challenges of building a design org in early stage startups in India

Over the last month, I spoke to multiple early startups to understand their challenges of setting up design teams. A short report on the state of design in startups and potential solutions There is a massive shortage of design talent in India currently. Large organisations like Adobe, Microsoft, Google are…

Design Notes

3 min read

Challenges of building a design org in early stage startups in India
Challenges of building a design org in early stage startups in India
Design Notes

3 min read


Published in

Bootcamp

·Mar 26, 2021

Case study: Designing better user accounts for Indian families

India is a collectivist society and yet our digital accounts are individual! — Back in my hometown, my parents have their daily morning rituals. My dad wakes up in the morning, picks up his bag to do his mandatory visit to the Kirana store. He buys milk and vegetables for the day and hands them over to my mom. When someone gets married…

Design For India

4 min read

Case study: Designing better user accounts for Indian families
Case study: Designing better user accounts for Indian families
Design For India

4 min read


Published in

D91 Labs

·Oct 23, 2020

India ❤️s F.D and they need a digital makeover!

Why Indian startups don’t distribute F.Ds? — This post originally appeared on our newsletter Tales of Bharat As a kid, when my mom refused to buy me candies, I would run crying to my grandmother. She would console me and offer a 10 rupee note from the stash of money hidden in the rice jar. The entire…

D91 Ideas In Fintech

7 min read

India ❤️s F.D and they need a digital makeover!
India ❤️s F.D and they need a digital makeover!
D91 Ideas In Fintech

7 min read


Published in

D91 Labs

·Sep 2, 2020

Whatsapp & the future of lending

What would an end to end digital experience using account aggregators look like? — This post originally appeared on our newsletter Tales of Bharat If the startup ecosystem were a giant e-commerce website, then lending would be the most wish-listed item. The path to reach lending seems simple — identify an opportunity, capture distribution and empower people with credit. …

D91 Ideas In Fintech

6 min read

Whatsapp & the future of lending
Whatsapp & the future of lending
D91 Ideas In Fintech

6 min read


Published in

D91 Labs

·Jul 8, 2020

Account Aggregators & The Future of Data Sharing

This post appeared first on our bi-monthly newsletter ‘Tales of Bharat’ It's a drizzling evening in Bangalore and the sight at your balcony demands to be photographed for your Instagram feed. You decide to strike a pose to only realise that your 3-year-old smartphone isn't capable enough to capture the…

Account Aggregators

8 min read

Account Aggregators & The Future of Data Sharing
Account Aggregators & The Future of Data Sharing
Account Aggregators

8 min read


Published in

D91 Labs

·Mar 30, 2020

How does Self Help Groups function?

This article is a part of our ongoing series about NRLM and Self Help Groups. Read them all here - Self Help Groups 101 SHGs: Self Help Groups are homogenous groups of 5–20 women who come from a similar social and economic background. These women come together and meet at regular…

Design For Bharat

5 min read

How do Self Help Groups function?
How do Self Help Groups function?
Design For Bharat

5 min read


Published in

D91 Labs

·Mar 25, 2020

National Rural Livelihood Mission

Since the independence of India, poverty has been one of the crucial challenges for inclusive growth for the country to compete with the world. Access to formal finance by the poor is an essential prerequisite for poverty alleviation and sustainable development. A report published by the Rangarajan committee in 2014…

Design For Bharat

4 min read

Self  Help  Groups 101: NRLM
Self  Help  Groups 101: NRLM
Design For Bharat

4 min read


Published in

D91 Labs

·Oct 29, 2019

MSME in numbers: Kirana Chronicles

“A small business is an amazing way to serve and leave an impact on the world you live in.” -Nicole Snow — Micro, Small and Medium Enterprises (MSMEs) form a vital component of the Indian Economy. MSMEs contribute to around 29% of total India’s GDP and are the second-highest employment generation sector in the country, only next to the agricultural sector. This post gives an overview of the MSME sector in India

Fintech In Numbers

4 min read

MSME in numbers: Kirana Chronicles
MSME in numbers: Kirana Chronicles
Fintech In Numbers

4 min read


Published in

D91 Labs

·Oct 22, 2019

#5 | Venkatesh — Kirana Chronicles

If you really look closely, most overnight successes took a long time. — Steve Jobs A relatively busy for a weekday afternoon. As we walk by the footpath, on either side of the road we spot a good mix of retail stores ranging from apparel, shoes, juice centres, paan shops…

D91 Kirana Chronicles

5 min read

#5 | Venkatesh — Kirana Chronicles
#5 | Venkatesh — Kirana Chronicles
D91 Kirana Chronicles

5 min read

Dharmesh Ba

Dharmesh Ba

702 Followers

Building @D91Labs, Design lead @setu. NID alumnus, ex-Cleartax. All things fintech.

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