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Determinants Of Financial Inclusion Of Urban Poor In India
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Book Synopsis Financial Access of the Urban Poor in India by : Meenakshi Rajeev
Download or read book Financial Access of the Urban Poor in India written by Meenakshi Rajeev and published by Springer. This book was released on 2017-03-22 with total page 105 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book focuses on the issue of financial exclusion with particular reference to the urban informal sector in India. Continuing the work of its predecessor, the current Government of India is also placing considerable importance on driving policy initiatives for financial inclusion. However, financial exclusion in urban areas, especially of the lower strata of the society has not received the attention it deserves from researchers and policymakers, even though urban poverty and deprivations are of considerable importance in the present Indian context. The challenges of financial inclusion and accessibility in the urban areas differ substantially from those found in the rural regions given the fact that the possibility of physical access to financial services is much higher in urban areas. In order to provide a macro perspective, the book begins with an analysis of the unit record data on nature and extent of financial inclusion and access to credit in urban India, based on Debt and Investment survey data (59th and 70th rounds) provided by the National Sample Survey Office (NSSO). In subsequent steps, the book discusses findings from a primary survey carried out in the state of Karnataka of self-employed persons engaged in informal services sector. This exercise has helped to comprehend the ways in which they currently meet their financial needs for different income generating purposes, the terms and conditions under which they do so, and the challenges that remained for possible interventions. Experiences of other developing nations in their attempts to ensure financial inclusion and the lesson learnt thereby are the other highlights of the book.
Book Synopsis Determinants of Financial Inclusion of Urban Poor in India by : Biswa N. Bhattacharyay
Download or read book Determinants of Financial Inclusion of Urban Poor in India written by Biswa N. Bhattacharyay and published by . This book was released on 2016 with total page 31 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial inclusion is crucial for the inclusive and sustainable economic growth of developing countries. Access to financial services to all citizens, particularly to low income and poor people is a key to promote inclusive growth. While rural financial inclusion assumes importance from policy makers and academicians, urban financial inclusion needs urgent attention with rapidly increasing urbanization, unique requirements of urban population and increasing poor and low income population living in urban areas, particularly slum areas. The paper attempts to analyze the nature, characteristics and determinants of financial inclusion in Pune, a large city of India based on a household survey at an identified slum area. Empirical findings of the survey include the socioeconomic characteristics and banking behaviour of households Furthermore, the paper identifies the major determinants of the level of financial inclusion using a multiple regression model using socioeconomic characteristics of the households. Finally the paper suggests appropriate policies and strategies for enhancing financial inclusion in urban areas through building low cost personalized distribution network, creating asset linked and collateral free credit schemes, leveraging Aadhar (biometric identity card) platform, creating targeted product and service offering, strengthening business correspondent cells, and setting up urban financial inclusion centers.
Book Synopsis Determinants of Financial Inclusion in India by : T.D. Simon
Download or read book Determinants of Financial Inclusion in India written by T.D. Simon and published by . This book was released on 2020 with total page 7 pages. Available in PDF, EPUB and Kindle. Book excerpt: With an active intervention of the government, the large number of the unbanked sections of the society could be included into different financial services. Over the years, the number of bank accounts has been increasing. Certain socio-economic factors, like educational level, age group and employment decide the extent of the number of the bank holders. But some problems arise, when the account holders do not utilize the banking facilities properly, especially when a majority stay idle. Government has to take active steps to solve these issues. Moreover, the remaining unbanked sections of the society have to be included in the financial services, by solving the various reasons cited.
Book Synopsis Determinants of Financial Literacy and Financial Inclusion in North-eastern Region of India by : Bhartendu Singh
Download or read book Determinants of Financial Literacy and Financial Inclusion in North-eastern Region of India written by Bhartendu Singh and published by . This book was released on 2023 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Determinants of Financial Inclusion by : Natarajan Chithra
Download or read book Determinants of Financial Inclusion written by Natarajan Chithra and published by . This book was released on 2013 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt: The access to finance by the poor is a prerequisite for poverty reduction and sustainable economic development of a country. The importance of financial inclusion arises from the problem of financial exclusion of nearly 3 billion people who are away from the formal financial services across the world (Kempson Clarie, 2006). This paper attempts to measure the inter-state variations in the access to finance, using a composite Financial Inclusion Index (IFI) developed by Sarma (2008). This paper attempts to identify and analyze the determinants of financial inclusion. The analysis reveals the fact that among the socio-economic factors, Income, Literacy and Population were found to have significant association with the level of financial inclusion. Among the banking variables, deposit and credit penetration recorded significant association with financial inclusion. Finally, credit-deposit ratio and investment ratio did not have significant association with financial inclusion.
Book Synopsis Financial Inclusion in India by : N. Mani
Download or read book Financial Inclusion in India written by N. Mani and published by . This book was released on 2015 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: In India, while one segment of the population has access to an assortment of banking services and financial counseling, 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. In order to ensure financial inclusion of the poor, particularly in rural areas, various initiatives have been taken by the government and the Reserve Bank of India (RBI). These include the nationalization of commercial banks, the establishment and expansion of rural credit co-operatives, regional rural banks, urban co-operative banks, micro finance and self-help groups, mutual funds, and pension funds. There are several challenges that require concerted efforts from banks, the RBI, and India's government to ensure a 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. This book examines the various policies and programs that were implemented in order to make financial services more accessible to the country's underprivileged income groups, resulting in millions of bank accounts being opened. [Subject: India Studies, Economics, Poverty Studies, Development Studies]
Book Synopsis The Global Findex Database 2017 by : Asli Demirguc-Kunt
Download or read book The Global Findex Database 2017 written by Asli Demirguc-Kunt and published by World Bank Publications. This book was released on 2018-04-19 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
Book Synopsis Global Financial Development Report 2014 by : World Bank Group
Download or read book Global Financial Development Report 2014 written by World Bank Group and published by World Bank Publications. This book was released on 2013-11-07 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt: The second issue in a new series, Global Financial Development Report 2014 takes a step back and re-examines financial inclusion from the perspective of new global datasets and new evidence. It builds on a critical mass of new research and operational work produced by World Bank Group staff as well as outside researchers and contributors.
Download or read book Reaching Out written by and published by World Bank Publications. This book was released on 2005 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The authors (1) present new indicators of banking sector penetration across 99 countries based on a survey of bank regulatory authorities, (2) show that these indicators predict household and firm use of banking services, (3) explore the association between the outreach indicators and measures of financial, institutional, and infrastructure development across countries, and (4) relate these banking outreach indicators to measures of firms' financing constraints. In particular, they find that greater outreach is correlated with standard measures of financial development, as well as with economic activity. Controlling for these factors, the authors find that better communication and transport infrastructure and better governance are also associated with greater outreach. Government ownership of financial institutions translates into lower access, while more concentrated banking systems are associated with greater outreach. Finally, firms in countries with higher branch and ATM penetration and higher use of loan services report lower financing obstacles, thus linking banking sector outreach to the alleviation of firms' financing constraints. "--World Bank web site.
Book Synopsis The Promise of Fintech by : Ms.Ratna Sahay
Download or read book The Promise of Fintech written by Ms.Ratna Sahay and published by International Monetary Fund. This book was released on 2020-07-01 with total page 83 pages. Available in PDF, EPUB and Kindle. Book excerpt: Technology is changing the landscape of the financial sector, increasing access to financial services in profound ways. These changes have been in motion for several years, affecting nearly all countries in the world. During the COVID-19 pandemic, technology has created new opportunities for digital financial services to accelerate and enhance financial inclusion, amid social distancing and containment measures. At the same time, the risks emerging prior to COVID-19, as digital financial services developed, are becoming even more relevant.
Book Synopsis Fintech and Financial Inclusion in Latin America and the Caribbean by : Mr. Dmitry Gershenson
Download or read book Fintech and Financial Inclusion in Latin America and the Caribbean written by Mr. Dmitry Gershenson and published by International Monetary Fund. This book was released on 2021-08-20 with total page 77 pages. Available in PDF, EPUB and Kindle. Book excerpt: Despite some improvement since 2011, Latin America and the Caribbean continue to lag behind other regions in terms of financial inclusion. There is no clear evidence that fintech developments have supported greater financial inclusion in LAC, contrary to what has been observed elsewhere in the world. Case studies by national policy experts suggest that barriers to entry in the financial sector, along with a constraining regulatory environment, may have hindered a faster adoption of fintech. However, fintech development seems to have accelerated in the wake of the COVID-19 pandemic and with the support of recent policy initiatives.
Book Synopsis Financial Inclusion: What Have We Learned So Far? What Do We Have to Learn? by : Adolfo Barajas
Download or read book Financial Inclusion: What Have We Learned So Far? What Do We Have to Learn? written by Adolfo Barajas and published by . This book was released on 2020-08-07 with total page 51 pages. Available in PDF, EPUB and Kindle. Book excerpt: The past two decades have seen a rapid increase in interest in financial inclusion, both from policymakers and researchers. This paper surveys the main findings from the literature, documenting the trends over time and gaps that have arisen across regions, income levels, and gender, among others. It points out that structural, as well as policy-related, factors, such as encouraging banking competition or channeling government payments through bank accounts, play an important role, and describes the potential macro and microeconomic benefits that can be derived from greater financial inclusion. It argues that policy should aim to identify and reduce frictions holding back financial inclusion, rather than targeting specific levels of inclusion. Finally, it suggests areas for future research.
Book Synopsis Inequality in Financial Inclusion and Income Inequality by : Goksu Aslan
Download or read book Inequality in Financial Inclusion and Income Inequality written by Goksu Aslan and published by International Monetary Fund. This book was released on 2017-11-07 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: We investigate the link between gender inequality in financial inclusion and income inequality, with three contributions to the recent literature. First, using a micro-dataset covering 146,000 individuals in over 140 countries, we construct novel, synthetic indices of the intensity of financial inclusion at the individual and country level. Second, we derive the distribution of individual financial access “scores” across countries to document a “Kuznets”-curve in financial inclusion. Third, cross-country regressions confirm that our measure of inequality in financial access is significantly related to income inequality, above and beyond other factors previously highlighted in the literature.
Book Synopsis EQS Structural Equations Program Manual by : Peter M. Bentler
Download or read book EQS Structural Equations Program Manual written by Peter M. Bentler and published by . This book was released on 1995 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Development and Deprivation in the Indian Sub-continent by : Utpal Kumar De
Download or read book Development and Deprivation in the Indian Sub-continent written by Utpal Kumar De and published by Routledge. This book was released on 2019-06-14 with total page 418 pages. Available in PDF, EPUB and Kindle. Book excerpt: The volume covers issues related to poverty, inequality, inclusiveness development, role of institutions, and socio-political perspectives on development in India with a special focus on North-East India. Please note: Taylor & Francis does not sell or distribute the Hardback in India, Pakistan, Nepal, Bhutan, Bangladesh and Sri Lanka
Book Synopsis Access to Financial Services in Brazil by : Anjali Kumar
Download or read book Access to Financial Services in Brazil written by Anjali Kumar and published by World Bank Publications. This book was released on 2005 with total page 698 pages. Available in PDF, EPUB and Kindle. Book excerpt: There is an increasing awareness that access to financial services can contribute to economic growth and poverty reduction. This study focuses on the delivery of financial services in Brazil, one of the world's most important emerging financial markets. It examines different aspects of financial service provision, and explores approaches to address problems of financial exclusion. Topics discussed include: microfinance schemes; private banking; rural finance systems; institutional infrastructure; and the role of government policy.
Book Synopsis Assessing Countries’ Financial Inclusion Standing - A New Composite Index by : Goran Amidžic
Download or read book Assessing Countries’ Financial Inclusion Standing - A New Composite Index written by Goran Amidžic and published by International Monetary Fund. This book was released on 2014-02-21 with total page 31 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper leverages the IMF’s Financial Access Survey (FAS) database to construct a new composite index of financial inclusion. The topic of financial inclusion has gathered significant attention in recent years. Various initiatives have been undertaken by central banks both in advanced and developing countries to promote financial inclusion. The issue has also attracted increasing interest from the international community with the G-20, IMF, and World Bank Group assuming an active role in developing and collecting financial inclusion data and promoting best practices to improve financial inclusion. There is general recognition among policy makers that financial inclusion plays a significant role in sustaining employment, economic growth, and financial stability. Nonetheless, the issue of its robust measurement is still outstanding. The new composite index uses factor analysis to derive a weighting methodology whose absence has been the most persistent of the criticisms of previous indices. Countries are then ranked based on the new composite index, providing an additional analytical tool which could be used for surveillance and policy purposes on a regular basis.
