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Author : Rathnija Arandara
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (119 download)
Download or read book Financial Inclusion and Inclusive Growth written by Rathnija Arandara and published by . This book was released on 2020 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : S. S. Colombage
Publisher :
ISBN 13 : 9789552312588
Total Pages : 73 pages
Book Rating : 4.3/5 (125 download)
Download or read book Financial Inclusion in Sri Lanka written by S. S. Colombage and published by . This book was released on 2010 with total page 73 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Saman Kelegama
Publisher :
ISBN 13 :
Total Pages : 25 pages
Book Rating : 4.:/5 (13 download)
Download or read book Financial Inclusion, Regulation, and Education in Sri Lanka written by Saman Kelegama and published by . This book was released on 2014 with total page 25 pages. Available in PDF, EPUB and Kindle. Book excerpt: Sri Lanka has achieved a high level of financial inclusion compared to other South Asian countries. Its financial sector comprises a wide range of financial institutions providing financial services such as loans, savings, pawning, leasing and finance, and remittance and money transfer facilities. There is also evidence that a larger share of households in Sri Lanka accesses multiple financial institutions for their credit and savings needs. However, the use of insurance services, ATM facilities, e-payments, and mobile banking, is relatively low. Financial education is ad hoc and lags behind financial innovation and new products. The information technology (IT) literacy rate is only 35% in Sri Lanka, and with the growing IT-finance nexus, financial awareness and education have become all the more important. Strengthening the regulatory framework governing the microfinance sector and client protection is also crucial for improving financial inclusion in Sri Lanka. Much scope remains to improve financial inclusion, particularly related to cost and quality of financial services provided, and the sustainability of financial institutions.
Author : Asli Demirguc-Kunt
Publisher : World Bank Publications
ISBN 13 : 1464812683
Total Pages : 228 pages
Book Rating : 4.4/5 (648 download)
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.
Author : Mrs.Sarwat Jahan
Publisher : International Monetary Fund
ISBN 13 : 149830544X
Total Pages : 31 pages
Book Rating : 4.4/5 (983 download)
Download or read book The Financial Inclusion Landscape in the Asia-Pacific Region: A Dozen Key Findings written by Mrs.Sarwat Jahan and published by International Monetary Fund. This book was released on 2019-04-19 with total page 31 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial inclusion is a multidimensional concept and countries have chosen diverse methods of enhancing financial inclusion with varying degrees of results. The heterogeneity of financial inclusion is particularly striking in the Asia-Pacific region as member countries range from those that are at the cutting edge of financial technology to others that are aiming to provide access to basic financial services. The wide disparity is not only inter-country but also intra-country. The focus of this paper is to take stock of the current state of financial inclusion in the Asia-Pacific region by highlighting twelve stylized facts about the state of financial inclusion in these countries. The paper finds that the state of financial inclusion depends on several factors, but a holistic approach calibrated to specific country conditions may lead to greater financial inclusion.
Author : Sasidaran Gopalan
Publisher : Springer
ISBN 13 : 1137583371
Total Pages : 284 pages
Book Rating : 4.1/5 (375 download)
Download or read book Financial Inclusion in Asia written by Sasidaran Gopalan and published by Springer. This book was released on 2016-09-29 with total page 284 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Author : Naoyuki Yoshino
Publisher :
ISBN 13 : 9784899740636
Total Pages : 0 pages
Book Rating : 4.7/5 (46 download)
Download or read book Financial Inclusion, Regulation, and Education written by Naoyuki Yoshino and published by . This book was released on 2017 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Author : Mithula Guganeshan
Publisher :
ISBN 13 :
Total Pages : 18 pages
Book Rating : 4.:/5 (13 download)
Download or read book Understanding ICT's Role in Microfinance to Improve Financial Inclusion in Northern Sri Lanka written by Mithula Guganeshan and published by . This book was released on 2017 with total page 18 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance industry has faced an exponential growth within developing regions over the last two decades. Sri Lanka has jumped on the microfinance bandwagon just like its South Asian counterparts. MFI's elusive focus was to provide affordable financial services to the poor, low-income households. As a result, microfinance has been firmly established as one of the main contributors towards achieving Financial Inclusion. Microfinance interest rates are high in Sri Lanka mostly ranging from 20% to 72%. This is due to the high risks involved and high transaction costs. MFI's customers are mostly rural dwellers residing in geographically dispersed areas with a sparse population is one of the leading causes of high transaction costs. Based on thirty women micro-loan borrowers who were interviewed through qualitative focus group discussion and in-depth interviews conducted within Northern Province of Sri Lanka, It was seen that majority of the microfinance agents/officers followed time consuming, costly and manual practices. Such as manually filling the forms, conducts regular weekly meeting to collect repayments and visits the head office to update information and handover the repayments collected. This paper aims to discuss on how ICT usage can reduce transaction costs and streamline loan management practices by improving efficiency and effectiveness. This paper further seeks to explicate microfinance's role to achieve financial inclusion within the Northern Province, Sri Lanka.
Author : Cecile T. Niang
Publisher : World Bank Publications
ISBN 13 : 0821398342
Total Pages : 104 pages
Book Rating : 4.8/5 (213 download)
Download or read book Connecting the Disconnected written by Cecile T. Niang and published by World Bank Publications. This book was released on 2013-03-12 with total page 104 pages. Available in PDF, EPUB and Kindle. Book excerpt: Connecting the Disconnected presents the findings of the field research designed to evaluate financial practices and strategies among urban and rural Bhutanese households. The study was commissioned in 2012 by the Royal Monetary Authority of Bhutan and the World Bank to provide qualitative evidence to the country's Financial Inclusion Policy. The book explores where, how, and why diff erent demographic groups save, borrow, send remittances, and insure themselves; it also evaluates the potential for innovations to extend fi nancial inclusion. Analysis of results from focus group discussions and in-depth interviews reveals three key patterns: Bhutan is a cash-based economy where households have a vibrant, if informal, savings and lending culture; rural areas are particularly underserved by formal fi nancial services; and women and youth represent an untapped market segment. The book reveals a demand for financial services with less complex and time-consuming banking procedures than are currently off ered-in particular, small, periodic savings and loan services; more accessible deposit and withdrawal services; and flexible loan requirements. In response to the demand for saving locally and in small amounts, group savings schemes and cooperatives are slowly emerging in Bhutan. These could serve rural communities until households become integrated into the formal financial system, though support and capacity building will be critical to ensure that savings are protected. Households struggle with banks' requirements and procedures and turn instead to informal lenders. Even households with some access to the formal fi nancial sector continue to use informal financing. The findings highlight a need for formal microfinance services providing small group and individual loans with flexible repayments. Savings strategies and attitudes suggest that Bhutanese households could benefit from fi nancial literacy education. More eff ective consumer protection is also needed. For instance, dispute resolution that is easily accessed would increase trust in the fi nancial sector. Also, the spread of mobile phone banking has been constrained by the limited mobile banking technology in use and low English-language literacy. However, the widespread use of mobile phones suggests that innovative technology could create new opportunities. Other innovative strategies worth considering include branchless banking to improve fi nancial access in remote areas. Finally, use of insurance services appears to be limited by a lack of knowledge. Remittances are used to send money both within Bhutan and abroad, but many rural communities lack access to formal remittance services and must rely instead on informal-and often expensive-options.
Author : Ms.Ratna Sahay
Publisher : International Monetary Fund
ISBN 13 : 1513512242
Total Pages : 83 pages
Book Rating : 4.5/5 (135 download)
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.
Author : P. Samarasiri
Publisher :
ISBN 13 : 9789555753388
Total Pages : 284 pages
Book Rating : 4.7/5 (533 download)
Download or read book A Survey of Financial System written by P. Samarasiri and published by . This book was released on 2017 with total page 284 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Thyra A. Riley
Publisher : World Bank Publications
ISBN 13 : 1464810893
Total Pages : 282 pages
Book Rating : 4.4/5 (648 download)
Download or read book Bringing E-money to the Poor written by Thyra A. Riley and published by World Bank Publications. This book was released on 2017-09-11 with total page 282 pages. Available in PDF, EPUB and Kindle. Book excerpt: Moving toward universal access to financial services is within reach, thanks to new technologies, transformative business models, and ambitious reforms. Instruments such as e-money accounts and mobile accounts, along with debit cards and low-cost traditional bank accounts, can significantly increase financial access for those who are excluded. Bringing e-Money to the Poor: Successes and Failures examines the lessons of success from four country case studies of “gazelles†?†•Kenya, South Africa, Sri Lanka, and Thailand†•that leapt from limitation to innovation by successfully enabling the deployment of e-money technology. These countries have thereby transformed the landscape of financial access to their poor. In addition, two country case studies (Maldives and the Philippines) yield lessons learned from constraints that stalled e-money deployments. Because technology is not a silver bullet, the case studies also explore other strategic elements that need to be in place for a country to expand access to financial services through digital technology.
Author : Vinay Kandpal
Publisher : Springer Nature
ISBN 13 : 3031227239
Total Pages : 218 pages
Book Rating : 4.0/5 (312 download)
Download or read book Financial Inclusion in Circular Economy written by Vinay Kandpal and published by Springer Nature. This book was released on 2023-01-30 with total page 218 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book presents an assessment of endeavors towards Financial Inclusion and its role in Sustainable development. An attractive feature is that it deals with almost all the contemporary issues essential for reaching UN Sustainable Development Goals. This book would be an exclusive and authentic source to the students of undergraduates, postgraduates and professional courses in Commerce and Management. This manuscript is divided into nine chapters. The book looks at various salient topics, including financial inclusion measurement, the impact of various financial inclusion indicators on development outcomes and macroeconomic volatility using aggregate data, and the effects of financial inclusion on poverty and development outcomes using microdata. Using the recently adopted Sustainable Development Goals as an overall framing of the issues, it exhibits how poor and disadvantaged women and men can be bankable if the adequate facilitation for maximizing opportunities and addressing constraints. This book attempts to cover different dimensions of Financial Inclusion towards attaining Sustainability and Circular Economy through financing instruments and investments. This book highlights different goals of UN SDG as an Initiative towards Inclusive Growth and Circular Economy, which is also influenced by Micro Finance Institutions and NBFCs. This book will be an indispensable source for the Students of PG and UG programs, Researchers and practitioners from areas of Commerce, Economics and Management and the faculty members and professionals like bankers and financial consultants. We hope this book will meet the requirement of all the categories of readers.
Author : Simone di Castri
Publisher :
ISBN 13 :
Total Pages : 16 pages
Book Rating : 4.:/5 (13 download)
Download or read book Enabling Mobile Money Policies in Sri Lanka written by Simone di Castri and published by . This book was released on 2014 with total page 16 pages. Available in PDF, EPUB and Kindle. Book excerpt: For the Central Bank of Sri Lanka (CBSL), 2012 was the culmination of a 5-year effort to establish an enabling regulatory framework for mobile money that opened the market to both bank and non-bank providers and extended services to Sri Lanka's unbanked population. Marking this shift was the launch of eZ Cash, a new mobile money service that has signed up over 1 million customers in just one year. eZ Cash is operated by Dialog Axiata PLC, a mobile network operator (MNO) that was awarded a licence to operate as a payment services provider following revisions to the central bank's regulations. The Sri Lankan case offers important lessons for both regulators and MNOs working to achieve the dual objectives of financial inclusion and economic growth.
Author : Weltbank
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (931 download)
Download or read book Sri Lanka written by Weltbank and published by . This book was released on 2012 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Sri Lanka has made significant achievements in the provision of financial services in some areas, but there are still critical market segments that remain underserved, especially for small and rural enterprises. Low-income households could also benefit from access to a more diverse set of financial products, such as enhanced remittances and payment services, longer-term savings instruments, insurance products, and improved access to housing finance. The complexity and diversity of the needs suggest that various approaches have to be examined and that a broad range of institutions can be engaged in the delivery of financial services. This report analyzes opportunities for expanding services to key underserved markets. Chapter 2 looks at the expansion of financing opportunities for small businesses. Chapter 3 complements the analysis of Chapter 2 by examining how to improve finance for agriculture through supply chains. Chapter 4 focuses on delivery channels for rural remittances. Remittances to Sri Lanka have been growing rapidly, and the risks posed by informal networks need to be minimized. Moreover, linking migrants to formal financial institutions will yield additional benefits by exposing them to a broad range of financial services (such as savings, credit, and insurance) that can help them manage their economic risks better. Chapter 5 explores the potential role of the postal network in broadening access to financial services in rural areas. Chapter 6 summarizes the main findings of the report.
Author : Naoyuki Yoshino
Publisher :
ISBN 13 :
Total Pages : 35 pages
Book Rating : 4.:/5 (13 download)
Download or read book Overview of Financial Inclusion, Regulation, and Education written by Naoyuki Yoshino and published by . This book was released on 2016 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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. However, although substantial progress has been made, there is still much to achieve. East Asia and 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 (PRC). This paper 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, and 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. This analysis is based on studies of the experiences of Germany, the United Kingdom, Bangladesh, India, Indonesia, the Philippines, Sri Lanka and Thailand.The study aims to take 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 micro-finance, 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 small firms to take full advantage of improvements in financial access.
Author : ADB Institute
Publisher : Springer
ISBN 13 : 4431552545
Total Pages : 136 pages
Book Rating : 4.4/5 (315 download)
Download or read book Financial System Stability, Regulation, and Financial Inclusion written by ADB Institute and published by Springer. This book was released on 2015-01-14 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial authorities face a number of key challenges, including maintaining financial stability; ensuring long-term finance for stable economic growth; promoting greater access to financial services for both households and small and medium-sized enterprises (SMEs); and fostering a competitive financial industry. Access to finance for SMEs is particularly important, given their large shares in economic activity and employment in Asian economies. Striking the appropriate balance in achieving these objectives through financial supervision and regulation is an important policy issue for financial regulators. This book is the record of a joint conference in 2014 organized by the Asian Development Bank Institute; Financial Services Agency, Japan; and International Monetary Fund Regional Office for Asia and the Pacific on the topic of financial system stability, regulation, and financial inclusion. Participants included noted scholars, policymakers, and financial industrial participants from Asia. ADB Institute The ADB Institute, located in Tokyo, is the think tank of the Asian Development Bank. Its mission is to identify effective development strategies and improve development management in ADB’s developing member countries. Financial Services Agency, Japan The Financial Services Agency, Japan is responsible for ensuring the stability of Japan’s financial system, the protection of depositors, insurance policyholders and securities investors, and smooth finance through such measures as planning and policymaking. International Monetary Fund Regional Office for Asia and the Pacific The International Monetary Fund Regional Office for Asia and the Pacific contributes to economic surveillance and research, leads the IMF’s involvement in regional cooperation, manages regional capacity building programs, and promotes the understanding and two-way dialogue of the IMF in the region.
