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Inclusive Banking In India
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Book Synopsis Inclusive Banking In India by : Lalitagauri Kulkarni
Download or read book Inclusive Banking In India written by Lalitagauri Kulkarni and published by Springer Nature. This book was released on 2021-06-01 with total page 195 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book addresses the gaps in the present institutional structure of inclusive finance framework in India. It provides a comprehensive review of the role of banks in financial inclusion policy and micro-finance landscape in India at present. It identifies the key issues within the banking system which prove to be obstacles in the way of achieving financial inclusion and sustainable growth. The book conceptualizes inclusive banking, delves into the theoretical foundations thereof and suggests an institutional framework to avoid overlapping of their functions in order to ensure profitability. It reviews the existing market structure and competition in the inclusive finance arena while considering the role of banks, micro-finance institutions and SHGs in financing the poor. The book proposes a distinct change to the existing business model, examines the bank business model for inclusion and how the banks can and should treat the micro lending clientele as their core client base to counter the issues of profitability and competition in today’s banking sector. It also discusses some of the latest initiatives in inclusive finance and the importance of entrepreneurship development experiments in India and their efficacy in comparison with the micro-lending model.
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.
Book Synopsis FINANCIAL INCLUSION IN INDIA by : DR.S.V. SHINDE
Download or read book FINANCIAL INCLUSION IN INDIA written by DR.S.V. SHINDE and published by Lulu.com. This book was released on with total page 176 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Talking Financial Inclusion in Liberalised India by : M. S. Sriram
Download or read book Talking Financial Inclusion in Liberalised India written by M. S. Sriram and published by Taylor & Francis. This book was released on 2017-10-04 with total page 203 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Book Synopsis India’s Approach to Open Banking: Some Implications for Financial Inclusion by : Mr.Yan Carriere-Swallow
Download or read book India’s Approach to Open Banking: Some Implications for Financial Inclusion written by Mr.Yan Carriere-Swallow and published by International Monetary Fund. This book was released on 2021-02-26 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: We examine how the development of the digital infrastructure known as the “India Stack”—including an interoperable payments system, a universal digital ID, and other features—is delivering on the government’s objective to expand the provision of financial services. While each individual component of the India Stack is important, we argue that its key overarching feature is a foundational approach of providing extensive public infrastructures and standards that generates important synergies across the layers of the Stack. Until recently, a large share of India’s population lacked access to formal banking services and was largely reliant on cash for financial transactions. The expansion of mobile-based financial services that enable simple and convenient ways to save and conduct financial transactions has provided a novel alternative for expanding the financial net. The Stack’s improved digital infrastructures have already allowed for a rapid increase in the use of digital payments and the entry of a range of competitors including fintech and bigtech firms.
Book Synopsis Financial Inclusion - Viable Opportunities in India by :
Download or read book Financial Inclusion - Viable Opportunities in India written by and published by Ajay Garg. This book was released on with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Talking Financial Inclusion in Liberalised India by : M. S. Sriram
Download or read book Talking Financial Inclusion in Liberalised India written by M. S. Sriram and published by . This book was released on 2017 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: "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. "--Provided by publisher.
Book Synopsis Financial Inclusion and the Role of Banking System by : Sudarshan Maity
Download or read book Financial Inclusion and the Role of Banking System written by Sudarshan Maity and published by Springer Nature. This book was released on 2022-04-22 with total page 238 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book portrays the scope and dimension of different financial inclusion strategies. It looks at the role and potential of banks involved in financial inclusion. This book focuses on the importance of financial inclusion and in measuring its important determinants. It provides an empirical insight into how the different factors influence financial inclusion of a nation, providing a guideline to the banks and the regulators to select an effective structure of bank branch and efficient composition, to ensure best utilization of their devoted resources in the context of a developing economy.
Book Synopsis Marketing Techniques for Financial Inclusion and Development by : Jain, Dhiraj
Download or read book Marketing Techniques for Financial Inclusion and Development written by Jain, Dhiraj and published by IGI Global. This book was released on 2018-06-01 with total page 311 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
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 Financial Inclusion Imperative and Sustainable Approaches by : Dīpāli Panta Jośī
Download or read book The Financial Inclusion Imperative and Sustainable Approaches written by Dīpāli Panta Jośī and published by Cambridge India. This book was released on 2011 with total page 294 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Inclusive Finance India Report 2014 by : Tara S. Nair
Download or read book Inclusive Finance India Report 2014 written by Tara S. Nair and published by Oxford University Press, USA. This book was released on 2015 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt: Inclusive Finance India Report 2014 presents in-depth research and analysis on financial inclusion with evidence on the decisive shift in the positioning of microfinance within the financial system of India. Following up on Microfinance State of the Sector Report 2013 by the authors, this year's report focuses on recent developments in inclusive financing and efforts by governments and banks in extending financial services to the unbanked and underbanked regions and populations. The report tracks the progress of financial inclusion initiatives across institutional structures and delivery models, including the main microfinance channels. It contributes to an understanding of the complexities of the financial inclusion process, reviews policy development on inclusive finance, and highlights key challenges and opportunities for diverse stakeholders. A comprehensive reference on annual trends and progress of financial inclusion and the microfinance sector, the report synthesizes data and inputs from the Reserve Bank of India, NABARD, Ministry of Finance, banks, apex financial institutions, technology services providers, sector experts, and resource agencies. It serves to provide a perspective on the practice of financial inclusion in India as well as informing the policy formulation process.
Book Synopsis Financial Inclusion in Emerging Markets by : Ananda S.
Download or read book Financial Inclusion in Emerging Markets written by Ananda S. and published by Springer Nature. This book was released on 2021-10-04 with total page 343 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book discusses ideas for stakeholders to develop strategies to access and use financial products and services such as deposits, loans, and fund transfer mechanism, insurance, payment services, and intermediaries, distribution channels at economical prices in order to cater to the needs of the poor and underprivileged people. Financial inclusion ensures ease of access, availability, and usage of the financial products and services to all the sections of the society. The book will help in recognizing the role of financial inclusion as one of the main drivers in reducing income inequality and thus supporting sustainable economic growth of the countries, especially of an emerging economy. The book provides conceptual and practical ideas from the practitioners, best practices from the experts, and empirical views from the researchers on the best practices and how to mitigate the challenges and issues plaguing the development of the financial inclusion.
Book Synopsis Financial Inclusion and Inclusive Growth by : K. Gangadharan
Download or read book Financial Inclusion and Inclusive Growth written by K. Gangadharan and published by . This book was released on 2012 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Inclusive growth has been the catch word for most of the developing countries of the world to attain equity, justice. One of the more impressive aspects of India's growth story relates to the expansion of the banking infrastructure. Since 1969, India's banking network has grown tenfold from 8,000 branches to 80,000. However, it is a sad reality that for all the impressive growth, nearly 40% of the households in India - many of them rural - do not have a bank account. The exclusion of vast segment of the population - comprising mostly marginal farmers, agricultural workers, and casual laborers - is perceived as an impediment to inclusive growth. Additionally, financial apartheid is still haunting vast segments of the global community, especially in developing economies. This book highlights how financial inclusion culminates in inclusive growth. It portrays the scope and dimension of different financial inclusion strategies, and it looks at the role and potential of different agencies involved in financial inclusion, tackling the issues of financial exclusion in order to attain a target of inclusive growth.
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 Banking the Unbanked by : Priya Gupta (Professor of computer science)
Download or read book Banking the Unbanked written by Priya Gupta (Professor of computer science) and published by . This book was released on 2018 with total page 119 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Inclusive Finance India Report 2017 by : M. S. Sriram
Download or read book Inclusive Finance India Report 2017 written by M. S. Sriram and published by SAGE Publications Pvt. Limited. This book was released on 2018-07-27 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
