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Financial Services For The Urban Poor
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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 Financial Services for the Urban Poor by : Jo Ann Paulson
Download or read book Financial Services for the Urban Poor written by Jo Ann Paulson and published by . This book was released on 2016 with total page 25 pages. Available in PDF, EPUB and Kindle. Book excerpt: November 1998Standard Bank of South Africa's innovative E Bank program demonstrates how a commercial bank can use market information to bundle services needed by the urban poor - and valued by the poorer clients to justify a fee high enough to cover costs.Much of the research on financial services in low-income countries has focused on microcredit programs. Much less attention has been paid to the design of depository services, although many more low-income people use depository services than get access to credit. Having access to depository services is important for household well-being: to safeguard funds, to save for large purchases, and as insurance against unexpected expenditures.Economic reform programs in recent years have encouraged banks to push up nominal interest rates to keep deposit rates positive in real terms and to motivate savings in financial assets. But once deposit rates are positive in real terms, banks typically increase minimum deposit size or find other ways to discourage small depositors because of the high costs of maintaining and servicing low-balance accounts. Traditional passbook savings accounts, the main product used by low-income households, are being phased out because of high costs.After South Africa's move to democracy in 1994, it was politically imperative that the country's major financial institutions help redress the historically weak system of services for low-income people. Paulson and McAndrews describe one of the more interesting experiments. In 1993, Standard Bank of South Africa created an affiliate, called E Bank, to deliver basic banking services to the urban poor.E Bank provides a package of financial services designed specifically for low-income clients, offering greater convenience for the user while keeping under control the costs to the bank of providing services. E Bank combines the innovative technology of modified ATM services with staff available to help all clients. By rethinking the needs of the basic banking customer, E Bank was able to bundle services valued by poorer clients to justify a fee high enough to cover costs.This paper - a product of the Financial Sector Development Department - is part of a larger effort in the department to explore ways to expand financial services in low-income countries. The authors may be contacted at [email protected] or [email protected].
Book Synopsis Financial Services for the Urban Poor by : Jo Ann Paulson
Download or read book Financial Services for the Urban Poor written by Jo Ann Paulson and published by World Bank Publications. This book was released on 1998 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: November 1998 Standard Bank of South Africa's innovative E Bank program demonstrates how a commercial bank can use market information to bundle services needed by the urban poor-and valued by the poorer clients to justify a fee high enough to cover costs. Much of the research on financial services in low-income countries has focused on microcredit programs. Much less attention has been paid to the design of depository services, although many more low-income people use depository services than get access to credit. Having access to depository services is important for household well-being: to safeguard funds, to save for large purchases, and as insurance against unexpected expenditures. Economic reform programs in recent years have encouraged banks to push up nominal interest rates to keep deposit rates positive in real terms and to motivate savings in financial assets. But once deposit rates are positive in real terms, banks typically increase minimum deposit size or find other ways to discourage small depositors because of the high costs of maintaining and servicing low-balance accounts. Traditional passbook savings accounts, the main product used by low-income households, are being phased out because of high costs. After South Africa's move to democracy in 1994, it was politically imperative that the country's major financial institutions help redress the historically weak system of services for low-income people. Paulson and McAndrews describe one of the more interesting experiments. In 1993 Standard Bank of South Africa created an affiliate, called E Bank, to deliver basic banking services to the urban poor. E Bank provides a package of financial services designed specifically for low-income clients, offering greater convenience for the user while keeping under control the costs to the bank of providing services. E Bank combines the innovative technology of modified ATM services with staff available to help all clients. By rethinking the needs of the basic banking customer, E Bank was able to bundle services valued by poorer clients to justify a fee high enough to cover costs. This paper-a product of the Financial Sector Development Department-is part of a larger effort in the department to explore ways to expand financial services in low-income countries. The authors may be contacted at [email protected] or Jamie. Mcandrews@NY. Frb.Org.
Book Synopsis Capital, capacities and collaboration: The multiple roles of community savings in addressing urban poverty by :
Download or read book Capital, capacities and collaboration: The multiple roles of community savings in addressing urban poverty written by and published by IIED. This book was released on with total page 71 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Financial Services for the Urban Poor by : Dewan A. H. Alamgir
Download or read book Financial Services for the Urban Poor written by Dewan A. H. Alamgir and published by . This book was released on 2006 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Urban Poor Funds written by Diana Mitlin and published by IIED. This book was released on 2008 with total page 86 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Financial Exclusion in Latin America - Or the Social Costs of Not Banking the Urban Poor by : T. M. Solo
Download or read book Financial Exclusion in Latin America - Or the Social Costs of Not Banking the Urban Poor written by T. M. Solo and published by . This book was released on 2008 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Serving the Urban Poor by : David Fanshel
Download or read book Serving the Urban Poor written by David Fanshel and published by Praeger. This book was released on 1992-08-24 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The urban poor suffer many problems beyond pressing financial concerns, including those involving housing, health, and family relationships. Social welfare agencies struggle to cope with the enormity of need presented by individuals and families. The providers frequently lack a framework to guide their priorities and the delivery of services. This volume, based on the authors' close and extensive collaboration with New York's Lower East Family Union, affords a substantive, insightful, and effective approach not only to defining the services needed but also to the delivery thereof. It also examines the cognitive and emotional states which the clients bring as they seek help. Means are provided for establishing priority of needs, assessing the value of preventive services, and formulating family-specific service responses. Potential family dissolution and implicit child welfare concerns are viewed as especially critical and receives extensive constructive discussion. Stressed, poverty-level families often approach helping agencies in a nearly exhausted condition. The needs of such clients can only be answered, and the last straw avoided, if the agencies are structured to identify the most immediate needs and to supply the understanding, supportive relationship, and the requisite practical assistance. This book, with its extensive base of experience, guides the process wisely. It offers informed hope that the awful conditions of the urban poor can be ameliorated through better planned and effective service delivery, and caring interventions.
Book Synopsis Climate Change, Disaster Risk, and the Urban Poor by : Judy L. Baker
Download or read book Climate Change, Disaster Risk, and the Urban Poor written by Judy L. Baker and published by World Bank Publications. This book was released on 2012-04-01 with total page 323 pages. Available in PDF, EPUB and Kindle. Book excerpt: The urban poor living in slums are at particularly high risk from the impacts of climate change and natural hazards. This study analyzes key issues affecting their vulnerability, with evidence from a number of cities in the developing world.
Book Synopsis Financial services for the urban poor South Africa by : Jo Ann Paulson
Download or read book Financial services for the urban poor South Africa written by Jo Ann Paulson and published by . This book was released on 1998 with total page 22 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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 From Financial Exclusion to Inclusion by : William Britt Gwinner
Download or read book From Financial Exclusion to Inclusion written by William Britt Gwinner and published by . This book was released on 2012 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This is the second of two articles that draw on the results of recent studies of the links between financial services and low income communities in Latin America. While the focus remains on the nature and inherent costs of financial exclusion for the unbanked -- those without basic deposit and transaction accounts, this article focuses on access to credit and on some of the efforts that have been made to increase the availability of credit services to the urban poor. It closes by describing ways in which World Bank projects could support increased private sector lending for community development, including housing, home improvement, and basic physical and social infrastructure as well as micro and small business lending.
Book Synopsis Financial Inclusion for Poverty Alleviation by : Essam Yassin Mohammed
Download or read book Financial Inclusion for Poverty Alleviation written by Essam Yassin Mohammed and published by Routledge. This book was released on 2017-12-12 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Book Synopsis Access to Basic Infrastructure by the Urban Poor by : Aurelio Menéndez
Download or read book Access to Basic Infrastructure by the Urban Poor written by Aurelio Menéndez and published by World Bank Publications. This book was released on 1991 with total page 94 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report documents discussions on urban poverty issues in the developing countries of Latin America, Africa, and Asia related to the urban poor's access to basic infrastructure services. Basic infrastructure services are services that allow the urban poor to live under conditions that facilitate their income-generating activities so they can maintain a good nutritional level and participate in the normal activities of society. Services include housing, transportation, water, sanitation, solid waste disposal, and energy for cooking and lighting. In addition to discussing ways to improve the conditions of the poor in urban areas through the provision of basic infrastructure services, the workshop also laid the groundwork for follow-up regional senior policy seminars in Latin America, Africa, and Asia. While workshop participants did not attempt to conclude with formal policy recommendations, they did develop general areas of consensus. The focus of the workshop discussions were on the following concerns: financial issues; the role of nongovernmental organizations; the role of governments; and the relationship between nongovernmental organizations and the governments.
Book Synopsis Financial Market and the Poor by : Dewan A. H. Alamgir
Download or read book Financial Market and the Poor written by Dewan A. H. Alamgir and published by . This book was released on 2006 with total page 154 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Access to Microfinance and Financial Training for Innovative Urban Sustainability by : Mutisya, Emmanuel Musau
Download or read book Access to Microfinance and Financial Training for Innovative Urban Sustainability written by Mutisya, Emmanuel Musau and published by Langaa RPCIG. This book was released on 2014-10-07 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Kenyan population is highly concentrated in urban centres, leading to increased social, economic and environmental strains, with a significant percentage of urban dwellers living in sprawling slums. Urban development is increasingly a major focus, especially in the fight against urban sustainability problems. There is little practical orientation in the academic literature for the growing gap between the rich and poor. Current literature is enormously concerned with resource use and environmental pressures, paying scant attention to the nexus between urban sustainability and empowerment of the urban poor. This book initiates debates on the segment of urban population often referred to as "the bottom of the pyramid (BOP)", by analysing the microfinance innovation following evaluation of the impacts of access to microfinance and financial training and the implications to urban sustainability in Kenya. The main conclusion reached is that microfinance has an instrumental role to play in promoting sustainable urban development as it supports social welfare improvement and increases the livelihood of participants, business development and urban sustainability to a certain extent, thereby empowering the urban poor in contributing to poverty alleviation.
Book Synopsis The Urban Unbanked in Mexico and the United States by : John P. Caskey
Download or read book The Urban Unbanked in Mexico and the United States written by John P. Caskey and published by World Bank Publications. This book was released on 2006 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines the ways in which lower-income households obtain basic financial services in urban communities in Mexico and the United States. And it discusses the efforts that private sector and government organizations are making to lower the cost or improve the quality of those services. The paper summarizes available information on these issues and assesses the rationale and challenges facing the strategies that both countries are using to improve the financial services available to lower-income households, giving particular attention to "unbanked" households, meaning households that do not have deposit accounts with any regulated deposit-taking institution, and also to lower-income households in large urban areas. In comparing the experiences of the two countries, the paper reviews the extent to which lower-income households are unbanked, their use of non-bank financial services, and strategies for improving financial services to the unbanked. The underlying differences between the countries' typical household incomes-national income per capita in Mexico in 2002 was US$8,540, compared with $35,060 in the United States (World Bank 2003)-may also influence the difference in percentage of unbanked-9.1 percent of families in the United States compared with 76.4 percent found in a recent study in Mexico City.
