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  1. 1. MANTHAN: WALK TO EQUALITY: ENSURING SAFETY AND EMPOWERMENT FOR WOMEN Team Details Institute: Cluster Innovation Centre, University of Delhi Mayank Arora (IIIrd Year) Aditi Chawla (IIIrd Year) Parul Madaan (IIIrd Year) Shubham Goel (IInd Year) Shreya Khurana (IInd Year)
  2. 2. • National Crime Record Bureau statistics show crimes against women increased by 7.1 percent nationwide since 2010. • There has been a rise in the number of incidents of rape recorded too. In 2011, 24,206 incidents were recorded, a rise of 9 percent from the previous year. • A total of 2,28,650 incidents of crimes against women were reported in the country during 2011. • Madhya Pradesh, a state with a large population of tribes, has recorded 3406 rape cases, the highest number of incidents in the country in 2011.
  3. 3. 43% 19% 10% 16% 4% 4% 1% 3% Crime against women in 2011 Cruelty by husband and relatives Molestation Rape Kidnapping and Abduction Sexual Harrassment Dowry Deaths Immoral Traffic( P) Act Dowry Prohibition Act The crimes against women under the Indian Penal Code (IPC) include: (i) Rape (Sec. 376 IPC) (ii) Kidnapping & Abduction for specified purposes (Sec. 363 - 373 IPC) (iii) Homicide for Dowry, Dowry Deaths or their attempts (Sec. 302/304-B IPC) (iv) Torture - both mental and physical (Sec. 498-A IPC) (v) Molestation (Sec. 354 IPC) (vi) Sexual Harassment (Sec. 509 IPC) (vii) Importation of girls (upto 21 years of age) (Sec. 366-B IPC)
  4. 4. Proportion of Crime against Women (IPC) towards total IPC crimes Sl. No. Year Total IPC Crimes Crime Against women (IPC cases) Percentage to total IPC crimes 1. 2007 19,89,673 1,74,921 8.8 2. 2008 20,93,379 1,86,617 8.9 3. 2009 21,21,345 2,03,804 9.2 4. 2010 22,24,831 2,13,585 9.6 5. 2011 23,25,575 2,19,142 9.4 • Crimes that include the Indian term "eve-teasing" or harassment and heckling and sexual innuendoes against women in public places including streets, public transport, cinema halls, along with the rape of minors and women in tribal and villages often go unreported and unrecorded. • Due to "family honour" many complaint files are withdrawn and in many cases the police do not give a fair hearing. Medical evidence is often unrecorded making it easy for offenders to pass scot free under prevailing laws.
  5. 5. Microfinance has been seen as an important tool in promoting financial inclusion for women and has proven successful – women in microfinance have high rates of repayment on loans, they work well together in communities and usually use any extra income to educate their children. A key to reducing the gap in financial inclusion is new products and technology, such as mobile banking, that can provide affordable and accessible banking services, particularly to women. Opening a financial institution run solely by women such as All Women Bank (AWB) will increase employment opportunities for them, increase financial independence along with ensuring their financial inclusion. Solution Required : Financial Inclusion
  6. 6. EMPIRICAL ANALYSIS Sample Characteristics 161 women hailing across different economic backgrounds and from different urban establishments of the country were surveyed. Amongst them, 94 percent were holders of a bank account.  The sample was split along six occupational backgrounds, that is, Domestic Worker, Housewife, Student, Non-Bank Professional, Bank Professional and Entrepreneur. Further, all respondents lived in urban areas, and 87 percent were from Delhi or Bangalore.  58 percent of the respondents were less than or equal to 34 in age.  19 percent of the respondents had a maximum education level of 12th pass. 5% 17% 20% 30% 24% 3% Occupational background Domestic Worker Housewife Student Non-Bank Professional Bank Professional Entrepreneur
  7. 7. Results  15 percent women weren’t comfortable with the existing banking environment.  16 percent women preferred to deal with females for loan applications.  34 and 36 percent women preferred female counter employees and female managers respectively over their male counterparts.  22 percent women would prefer the All Women Bank over existing banks.  29 percent of the people with educational qualification up to class 12th or equivalent preferred an all-female branch over a regular bank.  15 percent of people aged 34 and above preferred the All Women Bank over a regular bank. Limitations The sample majorly consists of data only from metro cities, as the rural areas could not be touched; it is not a very good representative of entire India.
  8. 8. Women Entrepreneur: Financing Provision of home banking for women who can’t move out of the house repeatedly during the sanctioning of the loan. Linkages with training institutes such as beautician training to provide loans to set up beauty salon on successful completion of training. Training of bank employees for understanding of problems such as lack of trust on credit worthiness of women.
  9. 9. Strategic Location of Banks • Strategic location refers to easy accessibility for those in need • Near cluster of SHGs near Handicraft industry clusters • In villages and towns with limited access to banking facilities in Remote areas Customer Relationship Management • Home banking services • Tie-ups with village panchayat and SHGs for marketing and customer relationship building. • Tie-ups with NGOs working with women. • Relationship managers should be women from the local village for building trustworthy relationships Other Schemes • Educational loans for higher education with cheaper interest rates based on merit. • It will help promote higher education for women. • Hiring of employees that are proficient in the local languages. • Special schemes for agriculture/cattle related loans such as low rate of interest, flexible plans, etc.
  10. 10. REFERENCES  122991735307545.html  day-2013-where-are-we-with-womens-access-to- financial-services/#more-10290  microfinance/  financial-inclusion-gender-and-rural  