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Financial Access Of The 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 99 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 Poverty Lines and Lives of the Poor by : Meera Bapat
Download or read book Poverty Lines and Lives of the Poor written by Meera Bapat and published by IIED. This book was released on 2009 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Urban Poverty in India written by and published by Business Standard Books. This book was released on 2009 with total page 210 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Dimensions of Urban Poverty by : Sabir Ali
Download or read book Dimensions of Urban Poverty written by Sabir Ali and published by . This book was released on 2006 with total page 442 pages. Available in PDF, EPUB and Kindle. Book excerpt: "In India, over 30 per cent of the total population lives below the poverty line. Such a high degree of poverty highlights a serious dimension of the country's urban scenario also. The insufficient employment opportunities and poor income levels add to the miseries of the urban poor. They live in sub-standard settlements like slums, unauthorized colonies, squatters, pavements, resettlement colonies, etc. These settlements are considered to be the most filthiest in the world. Taking a serious note of the growing urban poverty, the Government of India spent hundreds of crores of rupees on implementing various schemes and programmes with no significant result. Urban poverty continues to be an area of major concern and unbeatable challenge. It was against this backdrop, experts working on different aspects of urban poverty were approached to contribute articles expressing their views and giving their first-hand experiences. The reading of this volume can be immensely useful to professionals, government officials, activists etc., who are involved in poverty alleviation programmes."
Book Synopsis In the Name of the Urban Poor by : Amitabh Kundu
Download or read book In the Name of the Urban Poor written by Amitabh Kundu and published by SAGE Publications Pvt. Limited. This book was released on 1993-12-10 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book analyzes the access that the urban poor have to five basic amenities - housing, water supply, sanitation, health care and the public distribution system.
Book Synopsis Urban Poverty in India by : M. D. Asthana
Download or read book Urban Poverty in India written by M. D. Asthana and published by . This book was released on 2004 with total page 516 pages. Available in PDF, EPUB and Kindle. Book excerpt: Contributed articles compiled from Social Change, a quarterly journal brought out by Council for Social Development; special issue on Urban poverty in India vol. 30 numbers 1-2, March-June, 2000.
Book Synopsis Improving Access to Finance for India's Rural Poor by : Priya Basu
Download or read book Improving Access to Finance for India's Rural Poor written by Priya Basu and published by World Bank Publications. This book was released on 2006-01-01 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt: Annotation This book examines the current level and pattern of access to finance for India's rural households, evaluates various approaches for delivering financial services, analyzes what lies behind the lack of adequate financial access, and identifies what it would take to improve access to finance.
Book Synopsis Poverty in Metropolitan Cities by : Shah Manzoor Alam
Download or read book Poverty in Metropolitan Cities written by Shah Manzoor Alam and published by Concept Publishing Company. This book was released on 1987 with total page 262 pages. Available in PDF, EPUB and Kindle. Book excerpt: Papers presented at the National Seminar on "Problems of Low- income Groups in Metropolitan Cities of India", Osmania University, Hyderabad, in March 1983, and organized by the Planning Department, Government of Andhra Pradesh, Hyderabad Urban Development Authority, and the Centre for Area Studies, Osmania University.
Book Synopsis Perspectives on Poverty in India by : The World Bank
Download or read book Perspectives on Poverty in India written by The World Bank and published by World Bank Publications. This book was released on 2011-04-13 with total page 297 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book examines India s experience with poverty reduction in a period of rapid economic growth. Marshalling evidence from multiple sources of survey data and drawing on new methods, the book asks how India s structural transformation - from rural to urban, and from agriculture to nonfarm sectors - is impacting poverty. Our analysis suggests that since the early 1990s, urban growth has emerged as a much more important driver of poverty reduction than in the past. We focus in particular on the role of small and medium size conurbations in India, both as the urban sub-sector in which urban poverty is overwhelmingly concentrated, and as a sub-sector that could potentially stimulate rural-based poverty reduction. Second, in rural areas, we focus on the nature of intersectoral transformation out of agriculture into the nonfarm economy. Stagnation in agriculture has been accompanied by dynamism in the nonfarm sector, but there is much debate about whether the growth seen has been a symptom of agrarian distress or a source of poverty reduction. Finally, alongside the accelerating economic growth and the highly visible transformation that is occurring in India s major cities, inequality is on the rise. This is raising concern that economic growth in India has by-passed significant segments of the population. The third theme on social exclusion asks if, despite the dramatic growth, historically grounded inequalities along lines of caste, tribe and gender have persisted. This book would be of interest for policymakers, researchers, non-governmental organizations, and international agencies from India and abroad--who wish to know more about India s experience of the last two decades in reducing poverty.
Book Synopsis Urban Poverty Alleviation Through Service Delivery by : Ramakrishna Nallathiga
Download or read book Urban Poverty Alleviation Through Service Delivery written by Ramakrishna Nallathiga and published by . This book was released on 2014 with total page 18 pages. Available in PDF, EPUB and Kindle. Book excerpt: With the rising levels of urbanisation, urban poverty is increasingly becoming an important challenge faced by Indian cities. Poverty alleviation programmes are traditionally implemented by the State governments with or without external/ donor assistance and are aimed at providing either income or employment or both to the poor. The 74th Constitutional Amendment has made urban poverty alleviation as an item on Urban Local Government (ULG) list, thereby making them to be responsible for undertaking some steps towards it (but also adding to the burden by not providing corresponding funding mandate). Cities continue to approach poverty alleviation in different ways. An important approach to be taken towards addressing urban poverty is to deploy financial intermediation approaches by establishing special Fund to address it efficiently and in a targeted manner. The experiences of some existing models suggest that it is possible to use finance flows wisely through constitution of specialized Funds for this purpose. This paper argues the need for taking this approach after discussing some existing Fund-based models; the relevance of these approaches to provide Basic Services to the Urban Poor (BSUP) in India is also discussed. The paper also provides a broad framework for setting up an exclusive BSUP Fund to finance the provision of basic services to the urban poor through various channels.
Book Synopsis Housing and India's Urban Poor by : Devendra B. Gupta
Download or read book Housing and India's Urban Poor written by Devendra B. Gupta and published by . This book was released on 1993 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: Based On Active Research Carried Out On Delhi`S Squatters And Slum Dwellers - Also Cites Results Of Similar Experiments Through Housing In Indonesia And Bangladesh - 7 Chapters - Bibliography - Index - Large Number Of Tables.
Book Synopsis Explaining the Financial Exclusion of the Urban Poor Through the Lens of Othering by : Jahnavi Rao
Download or read book Explaining the Financial Exclusion of the Urban Poor Through the Lens of Othering written by Jahnavi Rao and published by . This book was released on 2022 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Who Me, Poor? by : Gayatri Jayaraman
Download or read book Who Me, Poor? written by Gayatri Jayaraman and published by Bloomsbury Publishing. This book was released on 2017-01-01 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Urban Poverty and Urbanization by : Reena Bhasin
Download or read book Urban Poverty and Urbanization written by Reena Bhasin and published by Deep and Deep Publications. This book was released on 2001 with total page 460 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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 148 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.
