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Towards Financial Inclusion in India

Towards Financial Inclusion in India Author K. G. Karmakar
ISBN-10 9788132119180
Release 2011-09-07
Pages 600
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Towards Financial Inclusion in India is a treatise on ‘inclusion of the Last, the Lost and the Least’. It provides an in-depth analysis of the various pillars of financial inclusion such as micro-remittance, micro-savings, micro-credit and micro-insurance. The book stresses on financial literacy and counselling, which are core to the achievement of financial inclusion. The authors dwell upon the difficulties faced by vulnerable groups like women, tribals, weavers and rural populace while trying to access financial services. The book also analyzes inclusion measures like ICT interventions, post office model and payment mechanisms. Striking a balance between pragmatic policy-making and a genuine social security mechanism, the book emphasises that financial services should be cost-effective and easily affordable to the vast majority of disadvantaged and low-income groups. The roadmap for financial inclusion drawn by the authors, if adopted, will go a long way in addressing the needs and demands of last-mile clients, especially the vulnerable groups.



Towards Financial Inclusion in India

Towards Financial Inclusion in India Author K. G. Karmakar
ISBN-10 9788132109105
Release 2011-09-07
Pages 600
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Towards Financial Inclusion in India is a treatise on ‘inclusion of the Last, the Lost and the Least’. It provides an in-depth analysis of the various pillars of financial inclusion such as micro-remittance, micro-savings, micro-credit and micro-insurance. The book stresses on financial literacy and counselling, which are core to the achievement of financial inclusion. The authors dwell upon the difficulties faced by vulnerable groups like women, tribals, weavers and rural populace while trying to access financial services. The book also analyzes inclusion measures like ICT interventions, post office model and payment mechanisms. Striking a balance between pragmatic policy-making and a genuine social security mechanism, the book emphasises that financial services should be cost-effective and easily affordable to the vast majority of disadvantaged and low-income groups. The roadmap for financial inclusion drawn by the authors, if adopted, will go a long way in addressing the needs and demands of last-mile clients, especially the vulnerable groups.



Financial Inclusion in India

Financial Inclusion in India Author N. Mani
ISBN-10 8177084089
Release 2015-08-01
Pages 312
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It is well-known that in India, while one segment of the population has access to assortment of banking services encompassing regular banking facilities and portfolio counselling, the other segment of underprivileged and lower income group is totally deprived of even basic financial services. Exclusion of large segments of the society from financial services adversely affects the overall economic growth of a country. Apart from the rural areas, there is a significant degree of financial exclusion in urban areas as well. The cost of financial exclusion is recognised to be enormous for the society as well as for individuals, particularly in terms of inability to realise full potential due to financial constraints. The recent developments in banking technology have transformed banking from the traditional brick-and-mortar infrastructure like staffed branches to a system supplemented by other channels like automated teller machines (ATMs), credit/debit cards, internet banking, online money transfers etc. However, access to such technology is restricted only to privileged segments of the society. In order to ensure financial inclusion of the poor, particularly in rural areas, various initiatives have been taken by the Government of India and the Reserve Bank of India (RBI) from time to time. These have included nationalization of commercial banks in 1969 and 1980, establishment and expansion of rural credit co-operatives, regional rural banks (RRBs), urban co-operative banks (UCBs), micro finance and self-help groups (SHGs), mutual funds, pension funds and Pradhan Mantri Jan-Dhan Yojana (PMJDY), 2014. There are several challenges that require concerted efforts from banks, the RBI and the Government to ensure convenient and cost-effective delivery of financial services to the public at large. In particular, the challenge is to introduce innovations in risk assessment, reduce transaction costs, devise new credit delivery channels, and use information technology to make financial inclusion a viable model. Looking to the immense potential lying ahead, rapid progress of financial inclusion efforts in India is the need of the hour. The stakeholders have come to realise the need for viable and sustainable business models which can sharply focus on accessible and affordable financial services, products and processes, synergistic partnerships with non-bank entities including the technology service providers.



Talking Financial Inclusion in Liberalised India

Talking Financial Inclusion in Liberalised India Author M. S. Sriram
ISBN-10 9781351336819
Release 2017-10-04
Pages 230
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This book presents a set of conversations with five former Governors of Reserve Bank of India (from 1992 onwards) on the topic of financial inclusion. Two key aspects are introduced in the conversations with each Governor: the initiatives that were undertaken during their tenure and their responses to some of the current issues. Further, they examine the reasons and justifications for significant decisions and measures that were undertaken or withheld. The discussion captures the evolution and approach of the central bank in addressing a variety of questions pertaining to financial inclusion. The volume is an important contribution to the study of India’s continuous but not entirely successful efforts in increasing the reach of its formal financial sector. It reconstructs how the policy approach to inclusive banking has progressed and resisted commercial and market imperatives to safeguard the deprived and dispossessed sections of society. With its wide-ranging blend of conversations, documentation, research and commentary coupled with its engaging style, the book will interest students and researchers in the areas of development, banking, macroeconomics, public administration and governance, as well as academics, analysts, policymakers, think tanks, journalists, media and those concerned with the Indian economic policy.



FINANCIAL INCLUSION IN INDIA

FINANCIAL INCLUSION IN INDIA Author DR.S.V. SHINDE
ISBN-10 9781312328648
Release
Pages
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FINANCIAL INCLUSION IN INDIA has been writing in one form or another for most of life. You can find so many inspiration from FINANCIAL INCLUSION IN INDIA also informative, and entertaining. Click DOWNLOAD or Read Online button to get full FINANCIAL INCLUSION IN INDIA book for free.



Microfinance and Financial Inclusion

Microfinance and Financial Inclusion Author S. Teki
ISBN-10 8171889484
Release 2012
Pages 315
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An increasing acknowledgement that financial services hold the key to mainstreaming the poor and disadvantaged in India makes this detailed account of financial inclusion—both as a concept and as a veritable solution to aid in the country’s development—a timely resource. The book states that the primary goal of financial inclusion is to broaden the scope of activities of the formal financial system, thus allowing people of low income to gradually participate in the system and thereby freeing the poor from poverty. The authors argue that important financial services such as credit, savings, insurance, and remittances should be provided at an affordable cost to low-income citizens. Topics discussed in the book include current financial exclusion; the roles of microfinance, banks, and nongovernmental organizations in financial inclusion; the Indian financial system; the credit needs of weaker sections of society in India; and Scheduled Castes development corporations.



Financial Inclusion

Financial Inclusion Author Sameer Kochhar
ISBN-10 8171887449
Release 2009
Pages 195
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In the Indian context.



Marketing Techniques for Financial Inclusion and Development

Marketing Techniques for Financial Inclusion and Development Author Jain, Dhiraj
ISBN-10 9781522540366
Release 2018-06-01
Pages 311
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Financial inclusion has been one of the most propagated ideologies in countries, and as a result, significant efforts have been taken to nurture institutions and systems to include an array of socio-economic classes. Various financial institutions and societies have taken steps toward financial inclusion, but to be successful, they need to understand how to accurately target and market their potential customers as well as the new avenues for development. Marketing Techniques for Financial Inclusion and Development is a critical scholarly resource on the marketing techniques adopted by various financial institutions and societies for promoting financial inclusion initiatives for the development of the society at large. Featuring coverage on a broad range of topics such as consumer awareness, financial literacy, and micro-enterprises, this book is geared towards managers, investors, brokers, researchers, and all others within the banking industry.



Speeding Financial Inclusion

Speeding Financial Inclusion Author Sameer Kochhar
ISBN-10 8171887910
Release 2009
Pages 168
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Scaling-up access to finance for India's rural poor presents a formidable developmental challenge in a country as vast and varied as India. It was in this context that Skoch Development Foundation undertook the first-ever nationwide multi-stakeholder study entitled "National Study on Speeding Financial Inclusion". This study sought to collate primary research based on our grassroots experiences from several project sites and field visits; and, views from all stakeholders so as to arrive at key interventions and intermediations to speed up the process of financial inclusion, and thereby poverty alleviation. Apart from providing key recommendations in the form of a roadmap to speed up the process of financial inclusion, the study also sought to determine the viability and cost-effectiveness of the Business Correspondent (BC) model and has identified several options to make the model viable.



Inclusive Finance India Report 2017

Inclusive Finance India Report 2017 Author M. S. Sriram
ISBN-10 935280581X
Release 2018-03-17
Pages 232
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Inclusive Finance India Report 2017 provides in-depth, well-researched and well-analysed evidence on how the financial inclusion agenda has progressed at various levels. The report covers a review of the performance of diverse institutional initiatives working in inclusive finance—banks, specialised banks, self-help groups and microfinance institutions. It also covers the initiatives in technology that address last-mile delivery as well as provides an overview of new initiatives. This report focuses on a larger landscape of financial inclusion while continuing to report progress on microfinance in mainstream financial inclusion activity. It tracks the growth of financial inclusion across institutional structures and delivery models, provides a better understanding of the complexities of the sector, and contributes to the policy development process on inclusive finance. It informs banks and investors—both national and international, brings forth key issues that require the attention of the financial sector as well as of policy makers, highlights the positive impact of the sector, and identifies policy and practice gaps on an annual basis. The report involves participation by the RBI, Ministry of Finance, banks, apex financial institutions, technology service providers, business correspondents and diverse delivery models. It serves the dual purpose of informing the policy formulation process as well as providing perspective on the practice of financial inclusion in India. This is the best reference book on the annual trends and progress of the financial inclusion and microfinance sector. It includes data-based analysis of all streams of financial inclusion, with most current information in terms of numbers and developments. It is a must-read for every practitioner in the financial inclusion value chain.



Financial Inclusion Regulation and Education

Financial Inclusion  Regulation  and Education Author Naoyuki Yoshino
ISBN-10 4899740638
Release 2017
Pages 300
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Financial inclusion is receiving increasing attention as having the potential to contribute to economic and financial development while at the same time fostering more inclusive growth and greater income equality. Although substantial progress has been made, there is still much to achieve. East Asia, the Pacific, and South Asia combined account for 55% of the world's unbanked adults, mainly in India and the People's Republic of China. This book surveys the experience of a number of advanced and Asian emerging economies to assess factors affecting the ability of low-income households and small firms to access financial services, including financial literacy, financial education programs, and financial regulatory frameworks, as well as identify policies that can improve their financial access while maintaining financial stability. It aims to identify successful experiences and important lessons that can be adopted by other emerging economies. The studies cover the experiences of Germany, the United Kingdom, Bangladesh, India, Indonesia, the Philippines, Sri Lanka, and Thailand. The book adopts a practical and holistic approach to issues related to financial inclusion. For example, innovative methods of promoting financial access, such as mobile phone banking and microfinance, require corresponding innovations in regulatory frameworks, perimeters, and capacity. Moreover, programs in the areas of financial education and consumer protection are needed to enable households and firms to take full advantage of improvements in financial access.



Financial Inclusion at the Bottom of the Pyramid

Financial Inclusion at the Bottom of the Pyramid Author Carol Realini
ISBN-10 9781460265529
Release 2015
Pages 256
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As incredible as it may seem in this hyper-connected, technologically advanced era, half the planet's population exist as "Financial nomads"-those who nourish and shelter themselves without using traditional banking services. While the wealthy live at the top of a metaphorical pyramid, taking financial security and banking services for granted, there are billions of people who struggle at the pyramid's base in an exhausting state of financial exclusion and insecurity. Times are changing rapidly, but despite global uncertainty, technology has the capacity to reach and equip people in all walks of life. Advances in communications have reconfigured the ease with which we interact with our money-and these advances can provide innovative financial services to the unbanked and underserved around the world. Financial inclusion for all is indeed within our reach, and with this conviction, authors Karl Mehta and Carol Realini propose a vision for a better world and a blueprint to get there....



Financial Inclusion for Poverty Alleviation

Financial Inclusion for Poverty Alleviation Author Essam Yassin Mohammed
ISBN-10 9781351595117
Release 2017-12-12
Pages 260
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More than one billion people still live below the poverty line – most of them in South Asia and Sub-Saharan Africa. Financial inclusion is a major issue, as more than three-quarters of the numbers of poor and disadvantaged women and men do not have access to financial products and services, such as bank accounts, affordable and suitable loans, and insurance. The key objective of this book is to provide practical case studies of financial inclusion, rather than focus on academic debates such as the ideological basis of promoting microfinance. Using the recently adopted Sustainable Development Goals as an overall framing of the issues, it shows how poor and disadvantaged women and men can be bankable if the right facilitation for maximizing opportunities and addressing constraints are in place. Case studies confirm that achieving inclusive and sustainable access to financial products and services goes beyond simply enabling poor and disadvantaged women and men to have access to credit, or the ability to open a bank account. Examples from Africa, Asia and Latin America demonstrate encouraging progress in making microcredit accessible to millions of poor people. The foremost challenge, however, has been to ensure that they have access to, and usage intensity of, suitable and affordable financial products and services that meet the needs of their livelihoods as well as risks and mitigation strategies. This requires understanding that poor and disadvantaged women and men do not exist in isolation from complex and interdependent functions in the financial system, which includes a number of actors, diversified services, constraints (not just symptoms) and capacities and incentives. Overall, the book provides a rich source of examples of how building inclusive financial systems can empower the world's poor – by increasing income and employment opportunities, securing livelihoods and reducing poverty.



Financial Inclusion in Asia

Financial Inclusion in Asia Author Sasidaran Gopalan
ISBN-10 9781137583376
Release 2016-09-29
Pages 263
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This book brings together a set of analytical and empirical essays aimed at understanding inclusive finance in emerging markets focusing on Asia. Despite the significant policy interest in the issue of financial inclusion in the Asian market, there is a dearth of academic literature on the topic. This book fills this gap by being the first of its kind to address the relevant issues and policy concerns relating to the availability and affordability of financial services in this rapidly emerging geopolitical area. The book features a mixture of empirical and case study oriented essays, informed by data, literature and policy analysis that will be useful for both the academics and the policy makers in the region interested in the subject. Countries highlighted in the essays assessing financial inclusivity include Indonesia, Sri Lanka and India.



Financial Inclusion Viable Opportunities in India

Financial Inclusion   Viable Opportunities in India Author
ISBN-10 9788184659153
Release
Pages
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Financial Inclusion Viable Opportunities in India has been writing in one form or another for most of life. You can find so many inspiration from Financial Inclusion Viable Opportunities in India also informative, and entertaining. Click DOWNLOAD or Read Online button to get full Financial Inclusion Viable Opportunities in India book for free.



Banking the World

Banking the World Author Robert Cull
ISBN-10 9780262018425
Release 2013
Pages 511
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About 2.5 billion adults, just over half the world's adult population, lack bank accounts. If we are to realize the goal of extending banking and other financial services to this vast "unbanked" population, we need to consider not only such product innovations as microfinance and mobile banking but also issues of data accuracy, impact assessment, risk mitigation, technology adaptation, financial literacy, and local context. In Banking the World, experts take up these topics, reporting on new research that will guide both policy makers and scholars in a broader push to extend financial markets. The contributors consider such topics as the complexity of surveying people about their use of financial services; evidence of the impact of financial services on income; the occasional negative effects of financial services on poor households, including disincentives to work and overindebtedness; and tools for improving access such as nontraditional credit scores, financial incentives for banking, and identification technologies that can dramatically reduce loan default rates.



Identification Revolution

Identification Revolution Author Alan Gelb
ISBN-10 9781944691042
Release 2018-01-16
Pages 272
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Some 600 million children worldwide do not legally exist. Without verifiable identification, they—and unregistered adults—could face serious difficulties in proving their identity, whether to open a bank account, purchase a SIM card, or cast a vote. Lack of identification is a barrier to full economic and social inclusion. Recent advances in the reach and technological sophistication of identification systems have been nothing less than revolutionary. Since 2000, over 60 developing countries have established national ID programs. Digital technology, particularly biometrics such as fingerprints and iris scans, has dramatically expanded the capabilities of these programs. Individuals can now be uniquely identified and reliably authenticated against their claimed identities. By enabling governments to work more effectively and transparently, identification is becoming a tool for accelerating development progress. Not only is provision of legal identity for all a target under the Sustainable Development Goals, but this book shows how it is also central to achieving numerous other SDG targets. Yet, challenges remain. Identification systems can fail to include the poor, leaving them still unable to exercise their rights, access essential services, or fully participate in political and economic life. The possible erosion of privacy and the misuse of personal data, especially in countries that lack data privacy laws or the capacity to enforce them, is another challenge. Yet another is ensuring that investments in identification systems deliver a development payoff. There are all too many examples where large expenditures—sometimes supported by donor governments or agencies—appear to have had little impact. Identification Revolution: Can Digital ID be Harnessed for Development? offers a balanced perspective on this new area, covering both the benefits and the risks of the identification revolution, as well as pinpointing opportunities to mitigate those risks.