Financial Access Of The Urban Poor In India

Author : Meenakshi Rajeev,B. P. Vani
Publisher : Springer
Page : 99 pages
File Size : 50,7 Mb
Release : 2017-03-22
Category : Business & Economics
ISBN : 9788132237129

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Financial Access of the Urban Poor in India by Meenakshi Rajeev,B. P. Vani Pdf

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.

Author : Priya Basu
Publisher : World Bank Publications
Page : 152 pages
File Size : 49,7 Mb
Release : 2006-01-01
Category : Business & Economics
ISBN : 9780821361474

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Improving Access to Finance for India's Rural Poor by Priya Basu Pdf

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.

Author : Anonim
Publisher : Business Standard Books
Page : 210 pages
File Size : 51,6 Mb
Release : 2009
Category : Poverty
ISBN : 9788190573528

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Urban Poverty in India by Anonim Pdf

Author : M. D. Asthana,Sabir Ali
Publisher : Unknown
Page : 516 pages
File Size : 41,6 Mb
Release : 2004
Category : Social change
ISBN : UOM:39015058757124

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Urban Poverty in India by M. D. Asthana,Sabir Ali Pdf

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.

Author : Asian Development Bank
Publisher : Asian Development Bank
Page : 272 pages
File Size : 45,6 Mb
Release : 2011-01-01
Category : Social Science
ISBN : 9789290923299

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Understanding Poverty in India by Asian Development Bank Pdf

Inclusive growth needs to be achieved to reduce poverty and other disparities and raise economic growth. This book develops a poverty profile for India in view of the ongoing national and global efforts toward ensuring inclusive growth and bringing poverty levels down. This poverty profile will enable academics and policy makers to reassess and improve on the existing methodologies in estimating poverty rates, evaluate the effectiveness of existing poverty programs, and suggest alternative and complementary options for strategic intervention based on the lessons drawn from program implementation both at the state and national levels.

Author : Kulwant Rai Gupta
Publisher : Atlantic Publishers & Dist
Page : 228 pages
File Size : 53,9 Mb
Release : 2008
Category : India
ISBN : 8126909005

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Poverty in India by Kulwant Rai Gupta Pdf

The Previous Century Was Marked By India S Great Transformation From A Colonial Agrarian Economy To A Modern, Vibrating, Knowledge-Based Economy Within The Framework Of A Liberal And Secular Democracy. A High Annual Gdp Growth Rate Of Over 8 Per Cent Is Now Being Achieved On A Consistent Basis. The Rapid Economic Growth Has, However, Brought Only A Marginal Decline In Rural And Urban Poverty As Nearly 250 Million People, Constituting About 25 Per Cent Of The Country S Total Population, Still Remain Below The Poverty Line.The Data Relating To The Dimensions Of Poverty Is Startling A Whopping 350 Million People Are Illiterate, 150 Million Have No Access To Safe Drinking Water, 750 Million Lack Clean Sanitation Facilities And Are Prone To Diseases Resulting Therefrom, And 50 Per Cent Of The Children Eat Below Acceptable Nutritional Levels. Average Life Expectancy At Birth Has No Doubt Risen To 63 Years, But Infant Mortality Rate (Imr) And Maternal Mortality Rate (Mmr) Are Still At Unacceptably High Levels 57 Per 1000, And 3 Per 1000 Live Births Respectively. In Terms Of Human Development Index (Hdi), India Is Ranked 126Th Among The 177 Listed Countries. Even The Mentioned Statistics Do Not Fully Capture The Sheer Destitution And Misery Our Marginalized Sections Of Population Are Subjected To. The Poverty That They Endure Robs Them Of Their Human Dignity And Makes A Mockery Of Our Claims To Social Justice And Equity.Growth, When Unevenly Spread, Dwarfs Overall Prosperity. Hence, Bridging The Income Divide Is The Biggest Challenge For India. The Government On Its Part Has Launched Several Poverty Alleviation Programmes But They Have Not Brought The Desired Result. The Approach Paper To The Eleventh Five-Year Plan Has Laid Emphasis On Strategies That Accelerate Growth And Make It Broadbased.The Present Anthology Is Comprised Of Well-Researched Articles By Erudite Scholars Who Have Deeply Analysed The Problem Of Persisting Poverty In India. Various Factors Responsible For Such A Situation Have Been Studied And Ways And Means Suggested To Considerably Reduce If Not Eradicate Poverty.The Book Will Serve As A Valuable Reference Source For Students And Teachers Of Economics And Researchers On This Subject. It Will Also Be Useful For The Policymakers, Planners, Parliamentarians, Government Agencies And Ngos. Common Readers Concerned With The Overall Development Of The Nation Will Find It Highly Informative.

Author : Meera Bapat
Publisher : IIED
Page : 56 pages
File Size : 45,9 Mb
Release : 2009
Category : Poverty
ISBN : 9781843697244

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Poverty Lines and Lives of the Poor by Meera Bapat Pdf

Author : Sabir Ali
Publisher : Unknown
Page : 442 pages
File Size : 53,6 Mb
Release : 2006
Category : History
ISBN : UOM:39015069352121

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Dimensions of Urban Poverty by Sabir Ali Pdf

"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."

Author : Devendra B. Gupta
Publisher : Unknown
Page : 272 pages
File Size : 44,5 Mb
Release : 1993
Category : Urban poor
ISBN : UOM:39015032759683

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Housing and India's Urban Poor by Devendra B. Gupta Pdf

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.

Author : N. Mani
Publisher : Unknown
Page : 0 pages
File Size : 49,9 Mb
Release : 2015
Category : Banks and banking
ISBN : 8177084089

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Financial Inclusion in India by N. Mani Pdf

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]

Author : India. Ministry of Housing and Urban Poverty Alleviation
Publisher : Oxford University Press, USA
Page : 370 pages
File Size : 43,7 Mb
Release : 2009
Category : Business & Economics
ISBN : STANFORD:36105124116505

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India, Urban Poverty Report 2009 by India. Ministry of Housing and Urban Poverty Alleviation Pdf

Urban India reports high incidence of poverty despite being hailed as a hub of growth and an instrument of globalization. Poverty figures for urban areas are higher compared to rural areas in a large number of states. This report looks at the process of globalization and development strategy in India to ask why poverty exists in urban areas and how the poor are being physically and economically absorbed in the system. It analyses the processes of urbanization, migration, changes in the structure of the economy, and the pattern of infrastructural investment with the aim of assessing their impact on the poor. Changes in urban governance, legal system, and the administrative structure have been reviewed to identify the problems faced by the poor and to focus on the systemic changes that need to be brought in. Thus it focuses on urbanization keeping poverty at the centre of analysis.

Author : Firdous Ahmad Malik,D. K. Yadav
Publisher : Springer Nature
Page : 182 pages
File Size : 53,7 Mb
Release : 2022-05-06
Category : Business & Economics
ISBN : 9789811913167

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Financial Inclusion Schemes in India by Firdous Ahmad Malik,D. K. Yadav Pdf

The exclusion of the destitute population from the formal financial system is a long-standing problem in India. This book examines the performance of financial inclusion policies in India to understand their impact on two urban vulnerable groups, Slum Dwellers and Beggars. This study includes analysis at the national level, the variables of the financial inclusion index like Penetration, Availability, and Usage from 2006 to 2020 from the world bank data set. Similarly, the authors examine five policies on financial inclusion by conducting a primary level survey on two urban capital cities of Lucknow and Kolkata, using a well-structured questionnaire for data collection. The authors uses two sampling techniques: simple random in the case of beggars, and stratified random in the case of slum dwellers. This book highlights the difference between financial access and non-access of household respondents in capturing the impacts of financial inclusion schemes on their socio-economic condition and financial behavior. The findings indicate that access to these schemes is extremely limited for the underprivileged population, such as beggars and slum dwellers. The analysis has shown that claims made by the government are not based on real-life occurrences. This book demonstrates that these programs have a negligible effect on life-deprived people. This book will be of interest to academia, policymakers, and society at large.

Author : Tinuade Adekunbi Ojo
Publisher : Springer Nature
Page : 279 pages
File Size : 42,9 Mb
Release : 2023-07-01
Category : Political Science
ISBN : 9789819918478

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The Politics of Financial Inclusion of Women in South Africa by Tinuade Adekunbi Ojo Pdf

This book presents the assumptions, narratives, and institutions that underpin the key concepts and investigates the limits and potential of financial inclusion development strategy for gender equality. Using South Africa’s women entrepreneurs as a central case, the book interrogates the logic and politics of financial inclusion and gender equality globally and locally. It also examines conditions that explain financial inclusion and women’s empowerment concerning women-owned businesses in post-apartheid South Africa. Finally, it presents a debate on the socio-economic factors enabling and limiting women’s access to and using financial products to improve their socio-economic empowerment and the future suggestions, policies and recommendations on financial inclusion for women entrepreneurs in South Africa.

Author : Vinay Kandpal,Deep Chandra,Narendra N. Dalei,Jatinder Handoo
Publisher : Springer Nature
Page : 218 pages
File Size : 42,6 Mb
Release : 2023-01-30
Category : Science
ISBN : 9783031227233

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Financial Inclusion in Circular Economy by Vinay Kandpal,Deep Chandra,Narendra N. Dalei,Jatinder Handoo Pdf

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 : Utpal Kumar De,Manoranjan Pal
Publisher : Routledge
Page : 418 pages
File Size : 49,9 Mb
Release : 2019-06-14
Category : Social Science
ISBN : 9781000651553

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Development and Deprivation in the Indian Sub-continent by Utpal Kumar De,Manoranjan Pal Pdf

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