SlideShare a Scribd company logo
Our Heritage
ISSN: 0474-9030
Vol-68-Issue--January -2020
P a g e | 9992 Copyright ⓒ 2019Authors
A Study on Problems faced by Beneficiaries in Availing Direct Benefit
Transfer in Tirunelveli District
Dr. C. Paramasivan
Assistant Professor & Research Supervisor
&
G. Arun kumar
Ph.D full time Research Scholar
PG and Research Department of Commerce
Periyar E.V.R College (A), Tiruchirappalli-23, Tamilnadu, India
(Affiliated to Bharathidasan University, Tiruchirappalli-24)
Abstract
Direct benefit transfer is well known and reaching in all kind of people in India. It is one
of the initiatives of its kind and one of the largest junction and e-governance program being
implemented by GoI (Government of India) as it involves digitization of information,
rationalization and mechanization of processes and direct benefit transfer by Financial
Inclusion of all families. It covers each and every individual family and resident of the States.
There are some difficulties to reach the benefit to the real beneficiaries such as personal
problems, technology problems and financial problems. Successful implementation of any
program requires consistent and visible mechanisms for ensuring sanction of benefits by a single
office using a single and common dais. This paper made on attempts to analyse the problems
faced by the beneficiaries in availing direct benefit transfer.
Key words: Financial Inclusion, Direct Benefit Transfer, personal problems, technology
problems, financial problems, Digitalized programme.
Introduction
Direct Benefit Transfer (henceforth DBT) is one of the innovative approach which
involved transfer of incentives and subsidies directly credited to the account of the beneficiaries.
It was launched on 1st
January, 2013. The main purpose of the direct benefit transfer scheme is to
eliminate the middlemen. It is also eliminates intermediators and rent for fair price shops as
subsidies and benefits of welfare schemes are transferred directly. DBT scheme allows time
bound transfers hence avoid delays in transferring money, which is one of the biggest problems
of beneficiaries are facing. This will help Indian economy in the long run as the structural
expenditure will be reduced and simplicity in the distribution of benefits. As everyone can
purchase goods at market price, there will be healthy competition between the sellers in the
market. The problem of middlemen diverting subsidized grains to markets will be eliminated. It
encourages people to have bank account. The problem of food grains storage and spoilage in the
process can be eliminated. Advantage of the DBT circulation of money will be increased, which
can lead to a significant increase in the GDP. It will help India to transform itself into cashless
economy. Still there are many rural & tribal areas, which don‟t have banking facility and road
connectivity. Most of the banks appoint Business Correspondents to enroll beneficiaries in rural
areas. They may open more than one account for each beneficiary for incentive. And there are
Our Heritage
ISSN: 0474-9030
Vol-68-Issue--January -2020
P a g e | 9993 Copyright ⓒ 2019Authors
many complaints that they are not giving passbooks to the beneficiaries making them unaware of
the scheme. Illiterate beneficiaries are more vulnerable in this case. Direct cash may not be used
for planned purpose and can be used in unhealthy ways. Micro ATMs, which were set up to
deliver cash benefits at door step are not present in many areas hence many beneficiaries have to
travel long way to withdraw money. Most of the beneficiaries‟ families‟ heads are men. This will
be a disadvantage to women as there is no guarantee that they will get their share of the cash.
Review of literature
Das and Bhattacharjee (2016) found that DBT is to bring transparency and terminated
pilferage from distribution of funds sponsored by Central Government. DBT in Food Grains is
an essential commodity. It helps the 60 percent households of the country to provide necessary
food. But still there are some problems and challenges like subsidy transfer, information gap and
financial inclusion.
Korde (2015) observed that in the implementation of DBT only very few Aadhaar
enabled with accounts, low accessibility to banking service, and low level of awareness of the
scheme. Most rural people are not aware about this scheme and remaining are highly dependent
on others to avail banking services, so that they can easily get benefit as they do not feel safe
while transacting through others. Other issues like transfer of subsidy to female members'
accounts need to be addressed as cases are of misuse of finance by male members' government
requires giving attention on these issues for better implementation and fruitful results.
Paramasivan C and Ganeshkumar V (2013) they recommended the banking
technology has progressed fast enough and more importantly the realization that the poor is
bankable has the poor can access bank account. Various measures which the government of India
should implement or which are under implementations but should be executed in a more
effective manner through micro finance institutions, business facilitators and business
correspondents. Our very old post offices will be an ideal channel to pursue the future long term
goals of agency banking especially in rural India.
Paramasivan C and Arunkumar G (2018) concluded that when financial inclusion
was introduced in India, there was a problem to find out the real beneficiaries and their status.
But it has been practiced with the help of information and communication technology. Direct
Benefit Transfer is one of the innovative ways to reach the benefits without any intermediators or
machinery under this methods, benefit, schemes, incentives and assistance will reach directly to
the beneficiaries‟ bank account. Therefore, if the Direct Benefit Transfer should be effective,
there is a need of linking of bank account and Aadhaar cards through digital format. Direct
Benefit Transfer is playing a significant role in the field of financial inclusion in India.
Paramasivan C (2019), Concluded that proper distribution of assistance and subsidiary
to the needy beneficiaries is one of challenging task to success the government programme
particularly in financial aspects. The Digital India programme is a flagship programme of the
Government of India with a vision to transform India into a digitally empowered society and
knowledge economy. The following are the major initiatives of the central government taken to
stronger then the digital financial inclusion in the country. It concludes that, PMJDY is one of
the most significant schemes to include the excluded people through opining of a bank account.
Our Heritage
ISSN: 0474-9030
Vol-68-Issue--January -2020
P a g e | 9994 Copyright ⓒ 2019Authors
As on 04.12.2019, there are 37.65 crore bank accounts were open under PMJDY with the
accumulated deposits of Rs 10790410.56.
Sakthivel N Mayilsamy R Akash R(2016), It is becoming increasingly apparent that
addressing financial exclusion will require a holistic approach on the part of the banks in creating
awareness about financial products, education, and advice on money management, debt
counseling, savings and affordable credit. The banks would have to evolve specific strategies to
expand the outreach of their services like LPG, Scholarships, MGNREGA, Pension schemes,
Provident Funds and other services in order to promote financial inclusion. One of the ways in
which this can be achieved in a cost-effective manner is through forging linkages with
microfinance institutions and local communities. Banks should give wide publicity to the facility
of no frills account. Technology can be a very valuable tool in providing access to banking
products in remote areas. ATMs cash dispensing machines can be modified suitably to make
them user friendly for people who are illiterate, less educated or do not know English.
Statement of problem
Financial inclusion is needed for the proper growth of the country. Direct benefit transfer
benefits could not reach to poor people in absence of financial inclusion. At grass root level
people are facing difficulties, and there is a lot of obstacle to the poor people to avail cards,
accounts at zero balance and linkage with agencies. The problems are not tackling properly, it
will not be for the benefit of the poor people. Therefore, direct benefit transfer is also facing
certain problems such as personal, technical and financial problems and how this problems
encountered by the beneficiaries with help of their educational status.
Objective of the Study
 To study the educational status of beneficiaries and problems faced by beneficiaries in
availing DBT in Tirunelveli District.
Hypothesis
H0: There is no significant mean difference between educational status and problems faced by
beneficiaries in availing direct benefit transfer among the respondents.
H1: There is a significant mean difference between educational status and problems faced by
beneficiaries in availing direct benefit transfer among the respondents.
Research Methodology
The present study is descriptive in nature by using primary data which have collected
through interview scheduled. Respondents were selected on the basis of stratified random
sampling techniques.
Study Area
The study area is Tirunelveli district of Tamil Nadu. It is considered „universe‟ for the
purpose of data collection and analysis of data.
Sample size
Sample size for the study comprises 425 respondents from Tirunelveli district. Interview
schedule have used to collect the data.
Statistical tools for analysis
The researcher has used percentage analysis and one- way ANOVA test for analysis and
interpretation of the data.
Our Heritage
ISSN: 0474-9030
Vol-68-Issue--January -2020
P a g e | 9995 Copyright ⓒ 2019Authors
Table 1
Educational Status of respondents
Profile Category
Total No.
Respondents
Percentage
Gender
Male 206 48.5
Female 219 51.5
Total 425 100.0
Educational
Status
Illiterate 59 13.9
Primary level 156 36.7
School Level 162 38.1
Graduate 48 11.3
Total 425 100.0
Source: Primary data
The above table 1.1 indicates the demographic profile of the respondents. The gender
wise distribution shows that 48.5 percent of sample of respondents are male and 51.5 percent of
sample of respondents are female. It is found that the 13.9 percent of the respondents are
illiterate in literacy level, 36.7 percent of respondents have primary level, 38.1 percent of the
respondents have school level and 11.3 percent of respondents have graduate level in educational
qualification.
Table 2
Distribution of respondents based on their problems faced by beneficiaries in availing
direct benefit transfer
Problems Level Frequency Percentage
Personal Problems
Low 118 27.8
Moderate 189 44.4
High 118 27.8
Total 425 100.0
Technology
Problems
Low 131 30.8
Moderate 153 36.0
High 141 33.2
Total 425 100.0
Financial Problems
Low 98 23.1
Moderate 157 36.9
High 170 40.0
Total 425 100.0
Source: Primary data
Our Heritage
ISSN: 0474-9030
Vol-68-Issue--January -2020
P a g e | 9996 Copyright ⓒ 2019Authors
The table 2 summarizes the distribution of respondents based on their problems faced by
beneficiaries in availing direct benefit transfer based on the data collected from the beneficiaries
in Tirunelveli District. As regards to personal problems revealed that 27.8 percent of the
respondents (118) have lowest level followed by 44.4 percent of the respondents (189) have
moderate level and 27.8 percent of the respondents (118) have highest level.
The table also shows the technological problems of the respondents, 30.8 percent of the
respondents (131) are at low level, 36.0 percent of the respondents (153) are at moderate level
and 33.2 percent of the respondents are at high level.
With regard to financial problems of the respondents, 23.1 percent of the respondents
(98) are at low level, 36.9 percent of the respondents (157) are at moderate level and 40.0 percent
of the respondents (170) are at high level.
Table 3
Educational status versus personal problems faced by beneficiaries in availing direct
benefit transfer
Educational status
Personal Problems
Total
Low Moderate High
Illiterate
Count 8 34 17 59
% within
Education
13.6% 57.6% 28.8% 100.0%
Primary level
Count 43 70 43 156
% within
Education
27.6% 44.9% 27.6% 100.0%
School level
Count 43 77 42 162
% within
Education
26.5% 47.5% 25.9% 100.0%
Graduate
Count 24 8 16 48
% within
Education
50.0% 16.7% 33.3% 100.0%
Total
Count 118 189 118 425
% within 27.8% 44.4% 27.8% 100.0%
Our Heritage
ISSN: 0474-9030
Vol-68-Issue--January -2020
P a g e | 9997 Copyright ⓒ 2019Authors
Education
Source: Primary data
The table 3 shows the educational status verses personal problems faced by beneficiaries
in availing direct benefit transfer in Tirunelveli District. It is seen that out of 59 respondents who
are illiterate, 13.6 percent of the respondents (8) are at low level, 57.6 percent of the respondents
(34) are at moderate level and 28.8 percent of the respondents (17) are at high level.
It is clear that out of 156 respondents with primary level, 27.6 percent of the respondents
(43) are at low level, 44.9 percent of the respondents (77) are at moderate level and 27.6 percent
of the respondents (43) are at high level.
It shows that out of 162 respondents with school level, 26.5 percent of the respondents
(43) are at low, 44.9 percent of the respondents (77) are at moderate level and 27.6 percent of the
respondents (43) are at high level.
It is revealed that out of 48 respondents with graduate qualification, 50.0 percent of the
respondents (24) are at low level, 16.7 percent of the respondents (8) are at moderate level and
33.3 percent of the respondents (16) are at high level.
The table indicates the education status out of 425 respondents, 27.8 percent of the
respondents (118) are at low level, 44.4 percent of the respondents (189) are at moderate level
and 27.8 percent of the respondents (118) are at high level.
Table 4
Educational status versus technology problems faced by beneficiaries in availing direct
benefit transfer
Educational status
Technology Problems
Total
Low Moderate High
Illiterate
Count 35 24 0 59
% within
Education
59.3% 40.7% 0.0% 100.0%
Primary level
Count 44 53 59 156
% within
Education
28.2% 34.0% 37.8% 100.0%
Our Heritage
ISSN: 0474-9030
Vol-68-Issue--January -2020
P a g e | 9998 Copyright ⓒ 2019Authors
School level
Count 52 44 66 162
% within
Education
32.1% 27.2% 40.7% 100.0%
Graduate
Count 0 32 16 48
% within
Education
0.0% 66.7% 33.3% 100.0%
Total
Count 131 153 141 425
% within
Education
30.8% 36.0% 33.2% 100.0%
Source: Primary data
The table 4 shows the educational status verses technology problems faced by
beneficiaries in availing direct benefit transfer in Tirunelveli District. It is seen that out of 59
respondents who are illiterate, 59.3 percent of the respondents (35) are at low level, 40.7 percent
of the respondents (24) are at moderate level.
It is clear that out of 156 respondents with primary level, 28.2 percent of the respondents
(44) are at low level, 34.0 percent of the respondents (53) are at moderate level and 37.8 percent
of the respondents (59) are at high level.
It shows that out of 162 respondents with school level, 32.1 percent of the respondents
(52) are at low, 27.2 percent of the respondents (44) are at moderate level and 40.7 percent of the
respondents (66) are at high level.
It is revealed that out of 48 respondents with graduate qualification, 66.7 percent of the
respondents (32) are at moderate level and 33.3 percent of the respondents (16) are at high level.
The table indicates that the education status out of 425 respondents, 30.8 percent of the
respondents (131) are at low level, 36.0 percent of the respondents (153) are at moderate level
and 33.2 percent of the respondents (141) are at high level.
Table 5
Educational status versus financial problems faced by beneficiaries in availing direct
benefit transfer
Educational status
Financial Problems
Total
Low Moderate High
Illiterate Count 0 26 33 59
Our Heritage
ISSN: 0474-9030
Vol-68-Issue--January -2020
P a g e | 9999 Copyright ⓒ 2019Authors
% within
Education
0.0% 44.1% 55.9% 100.0%
Primary level
Count 25 62 69 156
% within
Education
16.0% 39.7% 44.2% 100.0%
School level
Count 57 61 44 162
% within
Education
35.2% 37.7% 27.2% 100.0%
Graduate
Count 16 8 24 48
% within
Education
33.3% 16.7% 50.0% 100.0%
Total
Count 98 157 170 425
% within
Education
23.1% 36.9% 40.0% 100.0%
Source: Primary data
The table 5 shows the educational status verses financial problems faced by beneficiaries
in availing direct benefit transfer in Tirunelveli District. It is seen that out of 59 respondents who
are illiterate, 44.1 percent of the respondents (26) are at moderate level, 55.9 percent of the
respondents (33) are at high level.
It is clear that out of 156 respondents with primary level, 16.0 percent of the respondents
(25) are at low level, 39.7 percent of the respondents (62) are at moderate level and 44.2 percent
of the respondents (69) are at high level.
It focused that out of 162 respondents with school level, 35.2 percent of the respondents
(57) are at low, 37.7 percent of the respondents (61) are at moderate level and 27.2 percent of the
respondents (44) are at high level.
It is revealed that out of 48 respondents with graduate qualification, 33.3 percent of the
respondents (16) are at moderate level, 16.7 percent of the respondents (8) are at moderate level
and 40.0 percent of the respondents are at high level.
The table indicates the education status out of 425 respondents, 23.1 percent of the
respondents (98) are at low level, 36.9 percent of the respondents (157) are at moderate level and
40.0 percent of the respondents (170) are at high level.
One – way ANOVA test
Our Heritage
ISSN: 0474-9030
Vol-68-Issue--January -2020
P a g e | 10000 Copyright ⓒ 2019Authors
Null Hypothesis: There is no significant mean difference between educational status and
problems faced by beneficiaries in availing direct benefit transfer among the respondents
Alternative Hypothesis: There is a significant mean difference between educational status and
problems faced by beneficiaries in availing direct benefit transfer among the respondents
Table 6
Educational status versus problems faced by beneficiaries in availing direct benefit transfer
Problems Source
Sum of
Squares
Df
Mean
Square
F Sig.
Personal
Problems
Between
Groups
32.909 3 10.970 2.158* .032
Within
Groups
2140.032 421 5.083
Total 2172.941 424
Technical
Problems
Between
Groups
235.080 3 78.360 17.903** .000
Within
Groups
1842.684 421 4.377
Total 2077.765 424
Financial
Problems
Between
Groups
226.814 3 75.605 19.772** .000
Within
Groups
1609.789 421 3.824
Total 1836.602 424
Significance at 5% level & ** Significance at 1 % level
One- way ANOVA was applied to find out the significant mean difference between
educational status and problems faced by beneficiaries in availing direct benefit transfer in
Tirunelveli District. It is observed that there is a significant difference between educational status
(illiterate, primary level, school level and graduate) of beneficiaries towards personal problems
(F-value= 2.158, p<0.05), technology problems (F-value= 17.903, p<0.01) and financial
problems (F-value= 19.772, p<0.01).
Findings
1. It is noted that the highest percent of gender is female.
2. It is found that highest percentage of the respondents‟ literacy level is school level and
lowest percentages of the respondents are graduates in the literacy level.
Our Heritage
ISSN: 0474-9030
Vol-68-Issue--January -2020
P a g e | 10001 Copyright ⓒ 2019Authors
3. It is observed that educational status of the respondents such as illiterate, primary level,
school level and graduate are moderately influencing the personal problems faced by
beneficiaries in availing direct benefit transfer in Tirunelveli District.
4. It is revealed that educational status of the respondents such as illiterate, primary level,
school level and graduate are moderately influencing the technological problems faced by
beneficiaries in availing direct benefit transfer in Tirunelveli District.
5. It is clear that educational status of the respondents such as illiterate, primary level,
school level and graduate are highly influencing the financial problems faced by
beneficiaries in availing direct benefit transfer in Tirunelveli District.
Conclusion
Direct benefit transfer plays a major role in digital financial inclusion in India which
helps to transfer the financial assistance directly to the potential beneficiaries. But in the study
area, beneficiaries are facing certain problems to avail the benefit due to lack of adequate
educational qualification. There is a need of minimum literacy level to read and understand the
terms and conditions prevailed in the direct benefit transfer system. Technology enabled
payment system need basic knowledge on handing of information and communication
technology devices such as computers, mobile phone, net banking etc,. Therefore, this study
concludes that there is a need of basic education to enable and implement the direct benefit
transfer in a successful manner. But at the same time, educational qualification will not influence
highly in the performance and process of direct benefit transfer in the study area.
Reference
1. Das & Bhattacharjee (2016), “Direct Benefit Transfer for LPG- A Consumer
Perspective” Assam, India, Abhinav Publication, Volume 5, 2016.
2. Korde, Pandurang(2015), “Direct Benefit Transfer Scheme: Issues and Challenges”,
Journal of Research in Management and Technology, Volume 4, Issue 1 (January, 2015).
3. Paramasivan C and Ganeshkumar V (2013), “Overview of Financial Inclusion in
India” International Journal of Management and Development Studies Volume No. 2
(2013), Issue No. 3 (March) ISSN (Online): 2320-0685.
4. Paramasivan C & Arunkumar G (2018), “Direct Benefit Transfer- An Innovative
approach to Financial Inclusion in India”, Journal of Emerging Technologies and
Innovative Research (JETIR), December 2018, Volume 5, Issue 12 (ISSN-2349-5162).
5. Paramasivan (2019), “Digitalized Financial inclusion Through PMJDY in India”, Think
India Journal” ISSN: 0971- 1260, Volume 22, Issue 14- December, 2019.
6. Sakthivel N Mayilsamy R Akash R (2016), “Inclusive of direct benefits transfer
schemes into financial inclusion in India” International Journal of Multidisciplinary
Research and Development Online ISSN: 2349-4182, Print ISSN: 2349-5979, Volume 3;
Issue 11; November 2016; Page No. 56-59.

More Related Content

Similar to A Study on Problems faced by Beneficiaries in Availing Direct Benefit Transfer in Tirunelveli District

5 an-overview-of-financial-inclusion-through-dbt-in-india
5 an-overview-of-financial-inclusion-through-dbt-in-india5 an-overview-of-financial-inclusion-through-dbt-in-india
5 an-overview-of-financial-inclusion-through-dbt-in-india
chelliah paramasivan
 
7 mr.arunkumar
7 mr.arunkumar7 mr.arunkumar
7 mr.arunkumar
chelliah paramasivan
 
C.PARAMASIVAN
C.PARAMASIVANC.PARAMASIVAN
C.PARAMASIVAN
chelliah paramasivan
 
Financial Inclusion Summit 2016 - Background & Current Status - Part - 1
Financial Inclusion Summit 2016 - Background & Current Status - Part - 1Financial Inclusion Summit 2016 - Background & Current Status - Part - 1
Financial Inclusion Summit 2016 - Background & Current Status - Part - 1
Resurgent India
 
Rani Singh-Financial Inclusion Issues and Challenges
Rani Singh-Financial Inclusion Issues and ChallengesRani Singh-Financial Inclusion Issues and Challenges
Rani Singh-Financial Inclusion Issues and Challenges
Rani Singh
 
Digitalized finclusion through pmjdy in india
Digitalized finclusion through pmjdy in indiaDigitalized finclusion through pmjdy in india
Digitalized finclusion through pmjdy in india
chelliah paramasivan
 
Digitalized finclusion through pmjdy in india
Digitalized finclusion through pmjdy in indiaDigitalized finclusion through pmjdy in india
Digitalized finclusion through pmjdy in india
chelliah paramasivan
 
Financial Inclusion Summit 2016
Financial Inclusion Summit 2016Financial Inclusion Summit 2016
Financial Inclusion Summit 2016
Resurgent India
 
Analysis of the Level of Financial Literacy and Financial Inclusion among Rur...
Analysis of the Level of Financial Literacy and Financial Inclusion among Rur...Analysis of the Level of Financial Literacy and Financial Inclusion among Rur...
Analysis of the Level of Financial Literacy and Financial Inclusion among Rur...
iosrjce
 
ICC Financial Inclusion Proceedings
ICC Financial Inclusion ProceedingsICC Financial Inclusion Proceedings
ICC Financial Inclusion Proceedings
Resurgent India
 
Pradhan mantri jan dhan yojana
Pradhan mantri jan dhan yojanaPradhan mantri jan dhan yojana
Pradhan mantri jan dhan yojana
Malko29
 
Trend of Zero Balance Accounts under PMJDY - Part - 4
Trend of Zero Balance Accounts under PMJDY - Part - 4Trend of Zero Balance Accounts under PMJDY - Part - 4
Trend of Zero Balance Accounts under PMJDY - Part - 4
Resurgent India
 
Research Paper on FI
Research Paper on FIResearch Paper on FI
Research Paper on FI
Rhea Bali
 
Final version - MIT FT Capstone 405 SR - MPower
Final version - MIT FT Capstone 405 SR - MPowerFinal version - MIT FT Capstone 405 SR - MPower
Final version - MIT FT Capstone 405 SR - MPower
Partho Choudhury
 
Financial inclusion
Financial inclusionFinancial inclusion
Financial inclusion
renuka bakshi
 
Financial inclusion by pari
Financial inclusion by pari Financial inclusion by pari
Financial inclusion by pari
Joycee Pari
 
Financial inclusion by Joycee Wilson Dolare
Financial inclusion by Joycee Wilson Dolare Financial inclusion by Joycee Wilson Dolare
Financial inclusion by Joycee Wilson Dolare
Joycee Pari
 
Three Pillars to Sustainable Growth and Development in India - Pillar III
Three Pillars to Sustainable Growth and Development in India - Pillar IIIThree Pillars to Sustainable Growth and Development in India - Pillar III
Three Pillars to Sustainable Growth and Development in India - Pillar III
Kyna Tsai
 
SELF HELP GROUPS FOR INCLUSIVE GROWTH
SELF HELP GROUPS FOR INCLUSIVE GROWTHSELF HELP GROUPS FOR INCLUSIVE GROWTH
SELF HELP GROUPS FOR INCLUSIVE GROWTH
IAEME Publication
 
Text of the Seventh Bharat Ratna Rajiv Gandh Memorial Lecture-2008
Text of the Seventh Bharat Ratna Rajiv Gandh Memorial Lecture-2008Text of the Seventh Bharat Ratna Rajiv Gandh Memorial Lecture-2008
Text of the Seventh Bharat Ratna Rajiv Gandh Memorial Lecture-2008
Academy of Grassroots Studies and Research of India (AGRASRI)
 

Similar to A Study on Problems faced by Beneficiaries in Availing Direct Benefit Transfer in Tirunelveli District (20)

5 an-overview-of-financial-inclusion-through-dbt-in-india
5 an-overview-of-financial-inclusion-through-dbt-in-india5 an-overview-of-financial-inclusion-through-dbt-in-india
5 an-overview-of-financial-inclusion-through-dbt-in-india
 
7 mr.arunkumar
7 mr.arunkumar7 mr.arunkumar
7 mr.arunkumar
 
C.PARAMASIVAN
C.PARAMASIVANC.PARAMASIVAN
C.PARAMASIVAN
 
Financial Inclusion Summit 2016 - Background & Current Status - Part - 1
Financial Inclusion Summit 2016 - Background & Current Status - Part - 1Financial Inclusion Summit 2016 - Background & Current Status - Part - 1
Financial Inclusion Summit 2016 - Background & Current Status - Part - 1
 
Rani Singh-Financial Inclusion Issues and Challenges
Rani Singh-Financial Inclusion Issues and ChallengesRani Singh-Financial Inclusion Issues and Challenges
Rani Singh-Financial Inclusion Issues and Challenges
 
Digitalized finclusion through pmjdy in india
Digitalized finclusion through pmjdy in indiaDigitalized finclusion through pmjdy in india
Digitalized finclusion through pmjdy in india
 
Digitalized finclusion through pmjdy in india
Digitalized finclusion through pmjdy in indiaDigitalized finclusion through pmjdy in india
Digitalized finclusion through pmjdy in india
 
Financial Inclusion Summit 2016
Financial Inclusion Summit 2016Financial Inclusion Summit 2016
Financial Inclusion Summit 2016
 
Analysis of the Level of Financial Literacy and Financial Inclusion among Rur...
Analysis of the Level of Financial Literacy and Financial Inclusion among Rur...Analysis of the Level of Financial Literacy and Financial Inclusion among Rur...
Analysis of the Level of Financial Literacy and Financial Inclusion among Rur...
 
ICC Financial Inclusion Proceedings
ICC Financial Inclusion ProceedingsICC Financial Inclusion Proceedings
ICC Financial Inclusion Proceedings
 
Pradhan mantri jan dhan yojana
Pradhan mantri jan dhan yojanaPradhan mantri jan dhan yojana
Pradhan mantri jan dhan yojana
 
Trend of Zero Balance Accounts under PMJDY - Part - 4
Trend of Zero Balance Accounts under PMJDY - Part - 4Trend of Zero Balance Accounts under PMJDY - Part - 4
Trend of Zero Balance Accounts under PMJDY - Part - 4
 
Research Paper on FI
Research Paper on FIResearch Paper on FI
Research Paper on FI
 
Final version - MIT FT Capstone 405 SR - MPower
Final version - MIT FT Capstone 405 SR - MPowerFinal version - MIT FT Capstone 405 SR - MPower
Final version - MIT FT Capstone 405 SR - MPower
 
Financial inclusion
Financial inclusionFinancial inclusion
Financial inclusion
 
Financial inclusion by pari
Financial inclusion by pari Financial inclusion by pari
Financial inclusion by pari
 
Financial inclusion by Joycee Wilson Dolare
Financial inclusion by Joycee Wilson Dolare Financial inclusion by Joycee Wilson Dolare
Financial inclusion by Joycee Wilson Dolare
 
Three Pillars to Sustainable Growth and Development in India - Pillar III
Three Pillars to Sustainable Growth and Development in India - Pillar IIIThree Pillars to Sustainable Growth and Development in India - Pillar III
Three Pillars to Sustainable Growth and Development in India - Pillar III
 
SELF HELP GROUPS FOR INCLUSIVE GROWTH
SELF HELP GROUPS FOR INCLUSIVE GROWTHSELF HELP GROUPS FOR INCLUSIVE GROWTH
SELF HELP GROUPS FOR INCLUSIVE GROWTH
 
Text of the Seventh Bharat Ratna Rajiv Gandh Memorial Lecture-2008
Text of the Seventh Bharat Ratna Rajiv Gandh Memorial Lecture-2008Text of the Seventh Bharat Ratna Rajiv Gandh Memorial Lecture-2008
Text of the Seventh Bharat Ratna Rajiv Gandh Memorial Lecture-2008
 

More from PARAMASIVANCHELLIAH

IMPACT OF MOBILE BANKING ON CUSTOMER’S SATISFACTION IN TIRUCHIRAPPALLI TOWN
IMPACT OF MOBILE BANKING ON CUSTOMER’S  SATISFACTION IN TIRUCHIRAPPALLI TOWNIMPACT OF MOBILE BANKING ON CUSTOMER’S  SATISFACTION IN TIRUCHIRAPPALLI TOWN
IMPACT OF MOBILE BANKING ON CUSTOMER’S SATISFACTION IN TIRUCHIRAPPALLI TOWN
PARAMASIVANCHELLIAH
 
THE USE OF BIG DATA IN CONSUMER BUYING BEHAVIOUR
THE USE OF BIG DATA IN CONSUMER BUYING  BEHAVIOURTHE USE OF BIG DATA IN CONSUMER BUYING  BEHAVIOUR
THE USE OF BIG DATA IN CONSUMER BUYING BEHAVIOUR
PARAMASIVANCHELLIAH
 
A STUDY ON CUSTOMER SATISFACTION OF BHARAT INTERFACE FOR MONEY (BHIM) WITH R...
A STUDY ON CUSTOMER SATISFACTION OF  BHARAT INTERFACE FOR MONEY (BHIM) WITH R...A STUDY ON CUSTOMER SATISFACTION OF  BHARAT INTERFACE FOR MONEY (BHIM) WITH R...
A STUDY ON CUSTOMER SATISFACTION OF BHARAT INTERFACE FOR MONEY (BHIM) WITH R...
PARAMASIVANCHELLIAH
 
TREND AND CHALLENGES OF MOBILE BANKING IN INDIA
TREND AND CHALLENGES OF MOBILE BANKING IN  INDIATREND AND CHALLENGES OF MOBILE BANKING IN  INDIA
TREND AND CHALLENGES OF MOBILE BANKING IN INDIA
PARAMASIVANCHELLIAH
 
REVOLUTIONIZING BANKING OPERATIONS: THE ROLE OF ARTIFICIAL INTELLIGENCE IN ...
REVOLUTIONIZING BANKING OPERATIONS: THE  ROLE OF ARTIFICIAL INTELLIGENCE IN  ...REVOLUTIONIZING BANKING OPERATIONS: THE  ROLE OF ARTIFICIAL INTELLIGENCE IN  ...
REVOLUTIONIZING BANKING OPERATIONS: THE ROLE OF ARTIFICIAL INTELLIGENCE IN ...
PARAMASIVANCHELLIAH
 
PAPERLESS PAYMENT– AN IMPACT ON INDIAN ECONOMY
PAPERLESS PAYMENT– AN IMPACT ON INDIAN  ECONOMYPAPERLESS PAYMENT– AN IMPACT ON INDIAN  ECONOMY
PAPERLESS PAYMENT– AN IMPACT ON INDIAN ECONOMY
PARAMASIVANCHELLIAH
 
THE IMPACT OF ARTIFICIAL INTELLIGENCE AND MACHINE LEARNING ON BANKING INNOVA...
THE IMPACT OF ARTIFICIAL INTELLIGENCE AND  MACHINE LEARNING ON BANKING INNOVA...THE IMPACT OF ARTIFICIAL INTELLIGENCE AND  MACHINE LEARNING ON BANKING INNOVA...
THE IMPACT OF ARTIFICIAL INTELLIGENCE AND MACHINE LEARNING ON BANKING INNOVA...
PARAMASIVANCHELLIAH
 
AI AND ML IN BANKING SECTOR
AI AND ML IN BANKING SECTORAI AND ML IN BANKING SECTOR
AI AND ML IN BANKING SECTOR
PARAMASIVANCHELLIAH
 
AN EMPIRICAL INVESTIGATION OF UPI ADOPTION: USING TAM FRAMEWORK
AN EMPIRICAL INVESTIGATION OF UPI ADOPTION:  USING TAM FRAMEWORKAN EMPIRICAL INVESTIGATION OF UPI ADOPTION:  USING TAM FRAMEWORK
AN EMPIRICAL INVESTIGATION OF UPI ADOPTION: USING TAM FRAMEWORK
PARAMASIVANCHELLIAH
 
CHALLENGES AND PROBLEMS IN BANKING INNOVATIONS IN INDIA- AN OUTLOOK
CHALLENGES AND PROBLEMS IN BANKING  INNOVATIONS IN INDIA- AN OUTLOOKCHALLENGES AND PROBLEMS IN BANKING  INNOVATIONS IN INDIA- AN OUTLOOK
CHALLENGES AND PROBLEMS IN BANKING INNOVATIONS IN INDIA- AN OUTLOOK
PARAMASIVANCHELLIAH
 
A STUDY ON BANKING INNOVATIONS THROUGH TECHNOLOGY
A STUDY ON BANKING INNOVATIONS THROUGH  TECHNOLOGYA STUDY ON BANKING INNOVATIONS THROUGH  TECHNOLOGY
A STUDY ON BANKING INNOVATIONS THROUGH TECHNOLOGY
PARAMASIVANCHELLIAH
 
A STUDY ON BANKING INNOVATIONS THROUGH DATA SCIENCE
A STUDY ON BANKING INNOVATIONS THROUGH  DATA SCIENCEA STUDY ON BANKING INNOVATIONS THROUGH  DATA SCIENCE
A STUDY ON BANKING INNOVATIONS THROUGH DATA SCIENCE
PARAMASIVANCHELLIAH
 
BANKING INTELLIGENCE THROUGH ARTIFICIAL INTELLIGENCE
BANKING INTELLIGENCE THROUGH ARTIFICIAL  INTELLIGENCEBANKING INTELLIGENCE THROUGH ARTIFICIAL  INTELLIGENCE
BANKING INTELLIGENCE THROUGH ARTIFICIAL INTELLIGENCE
PARAMASIVANCHELLIAH
 
BANKING INNOVATION THROUGH BLOCKCHAIN
BANKING INNOVATION THROUGH BLOCKCHAINBANKING INNOVATION THROUGH BLOCKCHAIN
BANKING INNOVATION THROUGH BLOCKCHAIN
PARAMASIVANCHELLIAH
 
BANKING INNOVATIONS THROUGH ARTIFICIAL INTELLIGENCE
BANKING INNOVATIONS THROUGH ARTIFICIAL INTELLIGENCEBANKING INNOVATIONS THROUGH ARTIFICIAL INTELLIGENCE
BANKING INNOVATIONS THROUGH ARTIFICIAL INTELLIGENCE
PARAMASIVANCHELLIAH
 
BANKING INNOVATION THROUGH DATA SCIENCE
BANKING INNOVATION THROUGH DATA SCIENCEBANKING INNOVATION THROUGH DATA SCIENCE
BANKING INNOVATION THROUGH DATA SCIENCE
PARAMASIVANCHELLIAH
 
SYSTEMATIC LITERATURE REVIEW ON BANKING INNOVATION THROUGH TECHNOLOGY
SYSTEMATIC LITERATURE REVIEW ON BANKING  INNOVATION THROUGH TECHNOLOGYSYSTEMATIC LITERATURE REVIEW ON BANKING  INNOVATION THROUGH TECHNOLOGY
SYSTEMATIC LITERATURE REVIEW ON BANKING INNOVATION THROUGH TECHNOLOGY
PARAMASIVANCHELLIAH
 
BANKING INNOVATIONS THROUGH TECHNOLOGY
BANKING INNOVATIONS THROUGH TECHNOLOGYBANKING INNOVATIONS THROUGH TECHNOLOGY
BANKING INNOVATIONS THROUGH TECHNOLOGY
PARAMASIVANCHELLIAH
 
STARTUPS
STARTUPS STARTUPS
Technopreneurship in India
Technopreneurship in India  Technopreneurship in India
Technopreneurship in India
PARAMASIVANCHELLIAH
 

More from PARAMASIVANCHELLIAH (20)

IMPACT OF MOBILE BANKING ON CUSTOMER’S SATISFACTION IN TIRUCHIRAPPALLI TOWN
IMPACT OF MOBILE BANKING ON CUSTOMER’S  SATISFACTION IN TIRUCHIRAPPALLI TOWNIMPACT OF MOBILE BANKING ON CUSTOMER’S  SATISFACTION IN TIRUCHIRAPPALLI TOWN
IMPACT OF MOBILE BANKING ON CUSTOMER’S SATISFACTION IN TIRUCHIRAPPALLI TOWN
 
THE USE OF BIG DATA IN CONSUMER BUYING BEHAVIOUR
THE USE OF BIG DATA IN CONSUMER BUYING  BEHAVIOURTHE USE OF BIG DATA IN CONSUMER BUYING  BEHAVIOUR
THE USE OF BIG DATA IN CONSUMER BUYING BEHAVIOUR
 
A STUDY ON CUSTOMER SATISFACTION OF BHARAT INTERFACE FOR MONEY (BHIM) WITH R...
A STUDY ON CUSTOMER SATISFACTION OF  BHARAT INTERFACE FOR MONEY (BHIM) WITH R...A STUDY ON CUSTOMER SATISFACTION OF  BHARAT INTERFACE FOR MONEY (BHIM) WITH R...
A STUDY ON CUSTOMER SATISFACTION OF BHARAT INTERFACE FOR MONEY (BHIM) WITH R...
 
TREND AND CHALLENGES OF MOBILE BANKING IN INDIA
TREND AND CHALLENGES OF MOBILE BANKING IN  INDIATREND AND CHALLENGES OF MOBILE BANKING IN  INDIA
TREND AND CHALLENGES OF MOBILE BANKING IN INDIA
 
REVOLUTIONIZING BANKING OPERATIONS: THE ROLE OF ARTIFICIAL INTELLIGENCE IN ...
REVOLUTIONIZING BANKING OPERATIONS: THE  ROLE OF ARTIFICIAL INTELLIGENCE IN  ...REVOLUTIONIZING BANKING OPERATIONS: THE  ROLE OF ARTIFICIAL INTELLIGENCE IN  ...
REVOLUTIONIZING BANKING OPERATIONS: THE ROLE OF ARTIFICIAL INTELLIGENCE IN ...
 
PAPERLESS PAYMENT– AN IMPACT ON INDIAN ECONOMY
PAPERLESS PAYMENT– AN IMPACT ON INDIAN  ECONOMYPAPERLESS PAYMENT– AN IMPACT ON INDIAN  ECONOMY
PAPERLESS PAYMENT– AN IMPACT ON INDIAN ECONOMY
 
THE IMPACT OF ARTIFICIAL INTELLIGENCE AND MACHINE LEARNING ON BANKING INNOVA...
THE IMPACT OF ARTIFICIAL INTELLIGENCE AND  MACHINE LEARNING ON BANKING INNOVA...THE IMPACT OF ARTIFICIAL INTELLIGENCE AND  MACHINE LEARNING ON BANKING INNOVA...
THE IMPACT OF ARTIFICIAL INTELLIGENCE AND MACHINE LEARNING ON BANKING INNOVA...
 
AI AND ML IN BANKING SECTOR
AI AND ML IN BANKING SECTORAI AND ML IN BANKING SECTOR
AI AND ML IN BANKING SECTOR
 
AN EMPIRICAL INVESTIGATION OF UPI ADOPTION: USING TAM FRAMEWORK
AN EMPIRICAL INVESTIGATION OF UPI ADOPTION:  USING TAM FRAMEWORKAN EMPIRICAL INVESTIGATION OF UPI ADOPTION:  USING TAM FRAMEWORK
AN EMPIRICAL INVESTIGATION OF UPI ADOPTION: USING TAM FRAMEWORK
 
CHALLENGES AND PROBLEMS IN BANKING INNOVATIONS IN INDIA- AN OUTLOOK
CHALLENGES AND PROBLEMS IN BANKING  INNOVATIONS IN INDIA- AN OUTLOOKCHALLENGES AND PROBLEMS IN BANKING  INNOVATIONS IN INDIA- AN OUTLOOK
CHALLENGES AND PROBLEMS IN BANKING INNOVATIONS IN INDIA- AN OUTLOOK
 
A STUDY ON BANKING INNOVATIONS THROUGH TECHNOLOGY
A STUDY ON BANKING INNOVATIONS THROUGH  TECHNOLOGYA STUDY ON BANKING INNOVATIONS THROUGH  TECHNOLOGY
A STUDY ON BANKING INNOVATIONS THROUGH TECHNOLOGY
 
A STUDY ON BANKING INNOVATIONS THROUGH DATA SCIENCE
A STUDY ON BANKING INNOVATIONS THROUGH  DATA SCIENCEA STUDY ON BANKING INNOVATIONS THROUGH  DATA SCIENCE
A STUDY ON BANKING INNOVATIONS THROUGH DATA SCIENCE
 
BANKING INTELLIGENCE THROUGH ARTIFICIAL INTELLIGENCE
BANKING INTELLIGENCE THROUGH ARTIFICIAL  INTELLIGENCEBANKING INTELLIGENCE THROUGH ARTIFICIAL  INTELLIGENCE
BANKING INTELLIGENCE THROUGH ARTIFICIAL INTELLIGENCE
 
BANKING INNOVATION THROUGH BLOCKCHAIN
BANKING INNOVATION THROUGH BLOCKCHAINBANKING INNOVATION THROUGH BLOCKCHAIN
BANKING INNOVATION THROUGH BLOCKCHAIN
 
BANKING INNOVATIONS THROUGH ARTIFICIAL INTELLIGENCE
BANKING INNOVATIONS THROUGH ARTIFICIAL INTELLIGENCEBANKING INNOVATIONS THROUGH ARTIFICIAL INTELLIGENCE
BANKING INNOVATIONS THROUGH ARTIFICIAL INTELLIGENCE
 
BANKING INNOVATION THROUGH DATA SCIENCE
BANKING INNOVATION THROUGH DATA SCIENCEBANKING INNOVATION THROUGH DATA SCIENCE
BANKING INNOVATION THROUGH DATA SCIENCE
 
SYSTEMATIC LITERATURE REVIEW ON BANKING INNOVATION THROUGH TECHNOLOGY
SYSTEMATIC LITERATURE REVIEW ON BANKING  INNOVATION THROUGH TECHNOLOGYSYSTEMATIC LITERATURE REVIEW ON BANKING  INNOVATION THROUGH TECHNOLOGY
SYSTEMATIC LITERATURE REVIEW ON BANKING INNOVATION THROUGH TECHNOLOGY
 
BANKING INNOVATIONS THROUGH TECHNOLOGY
BANKING INNOVATIONS THROUGH TECHNOLOGYBANKING INNOVATIONS THROUGH TECHNOLOGY
BANKING INNOVATIONS THROUGH TECHNOLOGY
 
STARTUPS
STARTUPS STARTUPS
STARTUPS
 
Technopreneurship in India
Technopreneurship in India  Technopreneurship in India
Technopreneurship in India
 

Recently uploaded

20240710 Calibre Mining 2024 Investor Presentation.pdf
20240710 Calibre Mining 2024 Investor Presentation.pdf20240710 Calibre Mining 2024 Investor Presentation.pdf
20240710 Calibre Mining 2024 Investor Presentation.pdf
Adnet Communications
 
Has anyone made money from hamster kombat - the REAL truth.
Has anyone made money from hamster kombat - the REAL truth.Has anyone made money from hamster kombat - the REAL truth.
Has anyone made money from hamster kombat - the REAL truth.
CRYPTO SPACE 🪙
 
how to sell hamster kombat tokens any where in the world?
how to sell hamster kombat tokens any where in the world?how to sell hamster kombat tokens any where in the world?
how to sell hamster kombat tokens any where in the world?
CRYPTO SPACE 🪙
 
2024 Q2 Crypto Industry Report | CoinGecko
2024 Q2 Crypto Industry Report | CoinGecko2024 Q2 Crypto Industry Report | CoinGecko
2024 Q2 Crypto Industry Report | CoinGecko
CoinGecko
 
AI.It's simple to believe artificial intelligence (AI) has the solution to ev...
AI.It's simple to believe artificial intelligence (AI) has the solution to ev...AI.It's simple to believe artificial intelligence (AI) has the solution to ev...
AI.It's simple to believe artificial intelligence (AI) has the solution to ev...
Thailand Appreciative Inquiry Network
 
University of California, Irvine degree offer diploma Transcript
University of California, Irvine degree offer diploma TranscriptUniversity of California, Irvine degree offer diploma Transcript
University of California, Irvine degree offer diploma Transcript
yyfabne
 
how to increase profit as an hamster Miner - earn over 100,000,000+ token's p...
how to increase profit as an hamster Miner - earn over 100,000,000+ token's p...how to increase profit as an hamster Miner - earn over 100,000,000+ token's p...
how to increase profit as an hamster Miner - earn over 100,000,000+ token's p...
CRYPTO SPACE 🪙
 
Hamster kombat - A simple and effective method to withdraw mined tokens.
Hamster kombat - A simple and effective method to withdraw mined tokens.Hamster kombat - A simple and effective method to withdraw mined tokens.
Hamster kombat - A simple and effective method to withdraw mined tokens.
CRYPTO SPACE 🪙
 
‘Not afraid to die’ Kenya tax protests inspire broader demand for change.pdf
‘Not afraid to die’ Kenya tax protests inspire broader demand for change.pdf‘Not afraid to die’ Kenya tax protests inspire broader demand for change.pdf
‘Not afraid to die’ Kenya tax protests inspire broader demand for change.pdf
John Leonardo
 
Girls Call Laxmi Nagar 9711199171 Provide Best And Top Girl Service And No1 i...
Girls Call Laxmi Nagar 9711199171 Provide Best And Top Girl Service And No1 i...Girls Call Laxmi Nagar 9711199171 Provide Best And Top Girl Service And No1 i...
Girls Call Laxmi Nagar 9711199171 Provide Best And Top Girl Service And No1 i...
Ak47
 
Purdue University System degree offer diploma Transcript
Purdue University System degree offer diploma TranscriptPurdue University System degree offer diploma Transcript
Purdue University System degree offer diploma Transcript
oywfdy
 
What website can I sell my hamster kombat tokens.
What website can I sell my hamster kombat tokens.What website can I sell my hamster kombat tokens.
What website can I sell my hamster kombat tokens.
CRYPTO SPACE 🪙
 
Lucknow Girls Call Adil Nagar 08630512678 Available full Day
Lucknow Girls Call Adil Nagar 08630512678 Available full DayLucknow Girls Call Adil Nagar 08630512678 Available full Day
Lucknow Girls Call Adil Nagar 08630512678 Available full Day
annarivihqrika
 
how to sell hamster kombat at high rate - $1 per token.
how to sell hamster kombat at high rate - $1 per token.how to sell hamster kombat at high rate - $1 per token.
how to sell hamster kombat at high rate - $1 per token.
CRYPTO SPACE 🪙
 
How do I sell my Hamster kombat currency?
How do I sell my Hamster kombat currency?How do I sell my Hamster kombat currency?
How do I sell my Hamster kombat currency?
CRYPTO SPACE 🪙
 
University of Southern California degree offer diploma Transcript
University of Southern California degree offer diploma TranscriptUniversity of Southern California degree offer diploma Transcript
University of Southern California degree offer diploma Transcript
oywfdy
 
Can I sell my hamster kombat tokens Now! (latest update - 2024)
Can I sell my hamster kombat tokens Now! (latest update - 2024)Can I sell my hamster kombat tokens Now! (latest update - 2024)
Can I sell my hamster kombat tokens Now! (latest update - 2024)
CRYPTO SPACE 🪙
 
OAT_RI_Ep21 WeighingTheRisks_June24_CommodityInflation.pptx
OAT_RI_Ep21 WeighingTheRisks_June24_CommodityInflation.pptxOAT_RI_Ep21 WeighingTheRisks_June24_CommodityInflation.pptx
OAT_RI_Ep21 WeighingTheRisks_June24_CommodityInflation.pptx
hiddenlevers
 
How do I cash out hamster kombat tokens?
How do I cash out hamster kombat tokens?How do I cash out hamster kombat tokens?
How do I cash out hamster kombat tokens?
CRYPTO SPACE 🪙
 
how to successfully withdraw hamster tokens to TON - WALLET
how to successfully withdraw hamster tokens to TON - WALLEThow to successfully withdraw hamster tokens to TON - WALLET
how to successfully withdraw hamster tokens to TON - WALLET
CRYPTO SPACE 🪙
 

Recently uploaded (20)

20240710 Calibre Mining 2024 Investor Presentation.pdf
20240710 Calibre Mining 2024 Investor Presentation.pdf20240710 Calibre Mining 2024 Investor Presentation.pdf
20240710 Calibre Mining 2024 Investor Presentation.pdf
 
Has anyone made money from hamster kombat - the REAL truth.
Has anyone made money from hamster kombat - the REAL truth.Has anyone made money from hamster kombat - the REAL truth.
Has anyone made money from hamster kombat - the REAL truth.
 
how to sell hamster kombat tokens any where in the world?
how to sell hamster kombat tokens any where in the world?how to sell hamster kombat tokens any where in the world?
how to sell hamster kombat tokens any where in the world?
 
2024 Q2 Crypto Industry Report | CoinGecko
2024 Q2 Crypto Industry Report | CoinGecko2024 Q2 Crypto Industry Report | CoinGecko
2024 Q2 Crypto Industry Report | CoinGecko
 
AI.It's simple to believe artificial intelligence (AI) has the solution to ev...
AI.It's simple to believe artificial intelligence (AI) has the solution to ev...AI.It's simple to believe artificial intelligence (AI) has the solution to ev...
AI.It's simple to believe artificial intelligence (AI) has the solution to ev...
 
University of California, Irvine degree offer diploma Transcript
University of California, Irvine degree offer diploma TranscriptUniversity of California, Irvine degree offer diploma Transcript
University of California, Irvine degree offer diploma Transcript
 
how to increase profit as an hamster Miner - earn over 100,000,000+ token's p...
how to increase profit as an hamster Miner - earn over 100,000,000+ token's p...how to increase profit as an hamster Miner - earn over 100,000,000+ token's p...
how to increase profit as an hamster Miner - earn over 100,000,000+ token's p...
 
Hamster kombat - A simple and effective method to withdraw mined tokens.
Hamster kombat - A simple and effective method to withdraw mined tokens.Hamster kombat - A simple and effective method to withdraw mined tokens.
Hamster kombat - A simple and effective method to withdraw mined tokens.
 
‘Not afraid to die’ Kenya tax protests inspire broader demand for change.pdf
‘Not afraid to die’ Kenya tax protests inspire broader demand for change.pdf‘Not afraid to die’ Kenya tax protests inspire broader demand for change.pdf
‘Not afraid to die’ Kenya tax protests inspire broader demand for change.pdf
 
Girls Call Laxmi Nagar 9711199171 Provide Best And Top Girl Service And No1 i...
Girls Call Laxmi Nagar 9711199171 Provide Best And Top Girl Service And No1 i...Girls Call Laxmi Nagar 9711199171 Provide Best And Top Girl Service And No1 i...
Girls Call Laxmi Nagar 9711199171 Provide Best And Top Girl Service And No1 i...
 
Purdue University System degree offer diploma Transcript
Purdue University System degree offer diploma TranscriptPurdue University System degree offer diploma Transcript
Purdue University System degree offer diploma Transcript
 
What website can I sell my hamster kombat tokens.
What website can I sell my hamster kombat tokens.What website can I sell my hamster kombat tokens.
What website can I sell my hamster kombat tokens.
 
Lucknow Girls Call Adil Nagar 08630512678 Available full Day
Lucknow Girls Call Adil Nagar 08630512678 Available full DayLucknow Girls Call Adil Nagar 08630512678 Available full Day
Lucknow Girls Call Adil Nagar 08630512678 Available full Day
 
how to sell hamster kombat at high rate - $1 per token.
how to sell hamster kombat at high rate - $1 per token.how to sell hamster kombat at high rate - $1 per token.
how to sell hamster kombat at high rate - $1 per token.
 
How do I sell my Hamster kombat currency?
How do I sell my Hamster kombat currency?How do I sell my Hamster kombat currency?
How do I sell my Hamster kombat currency?
 
University of Southern California degree offer diploma Transcript
University of Southern California degree offer diploma TranscriptUniversity of Southern California degree offer diploma Transcript
University of Southern California degree offer diploma Transcript
 
Can I sell my hamster kombat tokens Now! (latest update - 2024)
Can I sell my hamster kombat tokens Now! (latest update - 2024)Can I sell my hamster kombat tokens Now! (latest update - 2024)
Can I sell my hamster kombat tokens Now! (latest update - 2024)
 
OAT_RI_Ep21 WeighingTheRisks_June24_CommodityInflation.pptx
OAT_RI_Ep21 WeighingTheRisks_June24_CommodityInflation.pptxOAT_RI_Ep21 WeighingTheRisks_June24_CommodityInflation.pptx
OAT_RI_Ep21 WeighingTheRisks_June24_CommodityInflation.pptx
 
How do I cash out hamster kombat tokens?
How do I cash out hamster kombat tokens?How do I cash out hamster kombat tokens?
How do I cash out hamster kombat tokens?
 
how to successfully withdraw hamster tokens to TON - WALLET
how to successfully withdraw hamster tokens to TON - WALLEThow to successfully withdraw hamster tokens to TON - WALLET
how to successfully withdraw hamster tokens to TON - WALLET
 

A Study on Problems faced by Beneficiaries in Availing Direct Benefit Transfer in Tirunelveli District

  • 1. Our Heritage ISSN: 0474-9030 Vol-68-Issue--January -2020 P a g e | 9992 Copyright ⓒ 2019Authors A Study on Problems faced by Beneficiaries in Availing Direct Benefit Transfer in Tirunelveli District Dr. C. Paramasivan Assistant Professor & Research Supervisor & G. Arun kumar Ph.D full time Research Scholar PG and Research Department of Commerce Periyar E.V.R College (A), Tiruchirappalli-23, Tamilnadu, India (Affiliated to Bharathidasan University, Tiruchirappalli-24) Abstract Direct benefit transfer is well known and reaching in all kind of people in India. It is one of the initiatives of its kind and one of the largest junction and e-governance program being implemented by GoI (Government of India) as it involves digitization of information, rationalization and mechanization of processes and direct benefit transfer by Financial Inclusion of all families. It covers each and every individual family and resident of the States. There are some difficulties to reach the benefit to the real beneficiaries such as personal problems, technology problems and financial problems. Successful implementation of any program requires consistent and visible mechanisms for ensuring sanction of benefits by a single office using a single and common dais. This paper made on attempts to analyse the problems faced by the beneficiaries in availing direct benefit transfer. Key words: Financial Inclusion, Direct Benefit Transfer, personal problems, technology problems, financial problems, Digitalized programme. Introduction Direct Benefit Transfer (henceforth DBT) is one of the innovative approach which involved transfer of incentives and subsidies directly credited to the account of the beneficiaries. It was launched on 1st January, 2013. The main purpose of the direct benefit transfer scheme is to eliminate the middlemen. It is also eliminates intermediators and rent for fair price shops as subsidies and benefits of welfare schemes are transferred directly. DBT scheme allows time bound transfers hence avoid delays in transferring money, which is one of the biggest problems of beneficiaries are facing. This will help Indian economy in the long run as the structural expenditure will be reduced and simplicity in the distribution of benefits. As everyone can purchase goods at market price, there will be healthy competition between the sellers in the market. The problem of middlemen diverting subsidized grains to markets will be eliminated. It encourages people to have bank account. The problem of food grains storage and spoilage in the process can be eliminated. Advantage of the DBT circulation of money will be increased, which can lead to a significant increase in the GDP. It will help India to transform itself into cashless economy. Still there are many rural & tribal areas, which don‟t have banking facility and road connectivity. Most of the banks appoint Business Correspondents to enroll beneficiaries in rural areas. They may open more than one account for each beneficiary for incentive. And there are
  • 2. Our Heritage ISSN: 0474-9030 Vol-68-Issue--January -2020 P a g e | 9993 Copyright ⓒ 2019Authors many complaints that they are not giving passbooks to the beneficiaries making them unaware of the scheme. Illiterate beneficiaries are more vulnerable in this case. Direct cash may not be used for planned purpose and can be used in unhealthy ways. Micro ATMs, which were set up to deliver cash benefits at door step are not present in many areas hence many beneficiaries have to travel long way to withdraw money. Most of the beneficiaries‟ families‟ heads are men. This will be a disadvantage to women as there is no guarantee that they will get their share of the cash. Review of literature Das and Bhattacharjee (2016) found that DBT is to bring transparency and terminated pilferage from distribution of funds sponsored by Central Government. DBT in Food Grains is an essential commodity. It helps the 60 percent households of the country to provide necessary food. But still there are some problems and challenges like subsidy transfer, information gap and financial inclusion. Korde (2015) observed that in the implementation of DBT only very few Aadhaar enabled with accounts, low accessibility to banking service, and low level of awareness of the scheme. Most rural people are not aware about this scheme and remaining are highly dependent on others to avail banking services, so that they can easily get benefit as they do not feel safe while transacting through others. Other issues like transfer of subsidy to female members' accounts need to be addressed as cases are of misuse of finance by male members' government requires giving attention on these issues for better implementation and fruitful results. Paramasivan C and Ganeshkumar V (2013) they recommended the banking technology has progressed fast enough and more importantly the realization that the poor is bankable has the poor can access bank account. Various measures which the government of India should implement or which are under implementations but should be executed in a more effective manner through micro finance institutions, business facilitators and business correspondents. Our very old post offices will be an ideal channel to pursue the future long term goals of agency banking especially in rural India. Paramasivan C and Arunkumar G (2018) concluded that when financial inclusion was introduced in India, there was a problem to find out the real beneficiaries and their status. But it has been practiced with the help of information and communication technology. Direct Benefit Transfer is one of the innovative ways to reach the benefits without any intermediators or machinery under this methods, benefit, schemes, incentives and assistance will reach directly to the beneficiaries‟ bank account. Therefore, if the Direct Benefit Transfer should be effective, there is a need of linking of bank account and Aadhaar cards through digital format. Direct Benefit Transfer is playing a significant role in the field of financial inclusion in India. Paramasivan C (2019), Concluded that proper distribution of assistance and subsidiary to the needy beneficiaries is one of challenging task to success the government programme particularly in financial aspects. The Digital India programme is a flagship programme of the Government of India with a vision to transform India into a digitally empowered society and knowledge economy. The following are the major initiatives of the central government taken to stronger then the digital financial inclusion in the country. It concludes that, PMJDY is one of the most significant schemes to include the excluded people through opining of a bank account.
  • 3. Our Heritage ISSN: 0474-9030 Vol-68-Issue--January -2020 P a g e | 9994 Copyright ⓒ 2019Authors As on 04.12.2019, there are 37.65 crore bank accounts were open under PMJDY with the accumulated deposits of Rs 10790410.56. Sakthivel N Mayilsamy R Akash R(2016), It is becoming increasingly apparent that addressing financial exclusion will require a holistic approach on the part of the banks in creating awareness about financial products, education, and advice on money management, debt counseling, savings and affordable credit. The banks would have to evolve specific strategies to expand the outreach of their services like LPG, Scholarships, MGNREGA, Pension schemes, Provident Funds and other services in order to promote financial inclusion. One of the ways in which this can be achieved in a cost-effective manner is through forging linkages with microfinance institutions and local communities. Banks should give wide publicity to the facility of no frills account. Technology can be a very valuable tool in providing access to banking products in remote areas. ATMs cash dispensing machines can be modified suitably to make them user friendly for people who are illiterate, less educated or do not know English. Statement of problem Financial inclusion is needed for the proper growth of the country. Direct benefit transfer benefits could not reach to poor people in absence of financial inclusion. At grass root level people are facing difficulties, and there is a lot of obstacle to the poor people to avail cards, accounts at zero balance and linkage with agencies. The problems are not tackling properly, it will not be for the benefit of the poor people. Therefore, direct benefit transfer is also facing certain problems such as personal, technical and financial problems and how this problems encountered by the beneficiaries with help of their educational status. Objective of the Study  To study the educational status of beneficiaries and problems faced by beneficiaries in availing DBT in Tirunelveli District. Hypothesis H0: There is no significant mean difference between educational status and problems faced by beneficiaries in availing direct benefit transfer among the respondents. H1: There is a significant mean difference between educational status and problems faced by beneficiaries in availing direct benefit transfer among the respondents. Research Methodology The present study is descriptive in nature by using primary data which have collected through interview scheduled. Respondents were selected on the basis of stratified random sampling techniques. Study Area The study area is Tirunelveli district of Tamil Nadu. It is considered „universe‟ for the purpose of data collection and analysis of data. Sample size Sample size for the study comprises 425 respondents from Tirunelveli district. Interview schedule have used to collect the data. Statistical tools for analysis The researcher has used percentage analysis and one- way ANOVA test for analysis and interpretation of the data.
  • 4. Our Heritage ISSN: 0474-9030 Vol-68-Issue--January -2020 P a g e | 9995 Copyright ⓒ 2019Authors Table 1 Educational Status of respondents Profile Category Total No. Respondents Percentage Gender Male 206 48.5 Female 219 51.5 Total 425 100.0 Educational Status Illiterate 59 13.9 Primary level 156 36.7 School Level 162 38.1 Graduate 48 11.3 Total 425 100.0 Source: Primary data The above table 1.1 indicates the demographic profile of the respondents. The gender wise distribution shows that 48.5 percent of sample of respondents are male and 51.5 percent of sample of respondents are female. It is found that the 13.9 percent of the respondents are illiterate in literacy level, 36.7 percent of respondents have primary level, 38.1 percent of the respondents have school level and 11.3 percent of respondents have graduate level in educational qualification. Table 2 Distribution of respondents based on their problems faced by beneficiaries in availing direct benefit transfer Problems Level Frequency Percentage Personal Problems Low 118 27.8 Moderate 189 44.4 High 118 27.8 Total 425 100.0 Technology Problems Low 131 30.8 Moderate 153 36.0 High 141 33.2 Total 425 100.0 Financial Problems Low 98 23.1 Moderate 157 36.9 High 170 40.0 Total 425 100.0 Source: Primary data
  • 5. Our Heritage ISSN: 0474-9030 Vol-68-Issue--January -2020 P a g e | 9996 Copyright ⓒ 2019Authors The table 2 summarizes the distribution of respondents based on their problems faced by beneficiaries in availing direct benefit transfer based on the data collected from the beneficiaries in Tirunelveli District. As regards to personal problems revealed that 27.8 percent of the respondents (118) have lowest level followed by 44.4 percent of the respondents (189) have moderate level and 27.8 percent of the respondents (118) have highest level. The table also shows the technological problems of the respondents, 30.8 percent of the respondents (131) are at low level, 36.0 percent of the respondents (153) are at moderate level and 33.2 percent of the respondents are at high level. With regard to financial problems of the respondents, 23.1 percent of the respondents (98) are at low level, 36.9 percent of the respondents (157) are at moderate level and 40.0 percent of the respondents (170) are at high level. Table 3 Educational status versus personal problems faced by beneficiaries in availing direct benefit transfer Educational status Personal Problems Total Low Moderate High Illiterate Count 8 34 17 59 % within Education 13.6% 57.6% 28.8% 100.0% Primary level Count 43 70 43 156 % within Education 27.6% 44.9% 27.6% 100.0% School level Count 43 77 42 162 % within Education 26.5% 47.5% 25.9% 100.0% Graduate Count 24 8 16 48 % within Education 50.0% 16.7% 33.3% 100.0% Total Count 118 189 118 425 % within 27.8% 44.4% 27.8% 100.0%
  • 6. Our Heritage ISSN: 0474-9030 Vol-68-Issue--January -2020 P a g e | 9997 Copyright ⓒ 2019Authors Education Source: Primary data The table 3 shows the educational status verses personal problems faced by beneficiaries in availing direct benefit transfer in Tirunelveli District. It is seen that out of 59 respondents who are illiterate, 13.6 percent of the respondents (8) are at low level, 57.6 percent of the respondents (34) are at moderate level and 28.8 percent of the respondents (17) are at high level. It is clear that out of 156 respondents with primary level, 27.6 percent of the respondents (43) are at low level, 44.9 percent of the respondents (77) are at moderate level and 27.6 percent of the respondents (43) are at high level. It shows that out of 162 respondents with school level, 26.5 percent of the respondents (43) are at low, 44.9 percent of the respondents (77) are at moderate level and 27.6 percent of the respondents (43) are at high level. It is revealed that out of 48 respondents with graduate qualification, 50.0 percent of the respondents (24) are at low level, 16.7 percent of the respondents (8) are at moderate level and 33.3 percent of the respondents (16) are at high level. The table indicates the education status out of 425 respondents, 27.8 percent of the respondents (118) are at low level, 44.4 percent of the respondents (189) are at moderate level and 27.8 percent of the respondents (118) are at high level. Table 4 Educational status versus technology problems faced by beneficiaries in availing direct benefit transfer Educational status Technology Problems Total Low Moderate High Illiterate Count 35 24 0 59 % within Education 59.3% 40.7% 0.0% 100.0% Primary level Count 44 53 59 156 % within Education 28.2% 34.0% 37.8% 100.0%
  • 7. Our Heritage ISSN: 0474-9030 Vol-68-Issue--January -2020 P a g e | 9998 Copyright ⓒ 2019Authors School level Count 52 44 66 162 % within Education 32.1% 27.2% 40.7% 100.0% Graduate Count 0 32 16 48 % within Education 0.0% 66.7% 33.3% 100.0% Total Count 131 153 141 425 % within Education 30.8% 36.0% 33.2% 100.0% Source: Primary data The table 4 shows the educational status verses technology problems faced by beneficiaries in availing direct benefit transfer in Tirunelveli District. It is seen that out of 59 respondents who are illiterate, 59.3 percent of the respondents (35) are at low level, 40.7 percent of the respondents (24) are at moderate level. It is clear that out of 156 respondents with primary level, 28.2 percent of the respondents (44) are at low level, 34.0 percent of the respondents (53) are at moderate level and 37.8 percent of the respondents (59) are at high level. It shows that out of 162 respondents with school level, 32.1 percent of the respondents (52) are at low, 27.2 percent of the respondents (44) are at moderate level and 40.7 percent of the respondents (66) are at high level. It is revealed that out of 48 respondents with graduate qualification, 66.7 percent of the respondents (32) are at moderate level and 33.3 percent of the respondents (16) are at high level. The table indicates that the education status out of 425 respondents, 30.8 percent of the respondents (131) are at low level, 36.0 percent of the respondents (153) are at moderate level and 33.2 percent of the respondents (141) are at high level. Table 5 Educational status versus financial problems faced by beneficiaries in availing direct benefit transfer Educational status Financial Problems Total Low Moderate High Illiterate Count 0 26 33 59
  • 8. Our Heritage ISSN: 0474-9030 Vol-68-Issue--January -2020 P a g e | 9999 Copyright ⓒ 2019Authors % within Education 0.0% 44.1% 55.9% 100.0% Primary level Count 25 62 69 156 % within Education 16.0% 39.7% 44.2% 100.0% School level Count 57 61 44 162 % within Education 35.2% 37.7% 27.2% 100.0% Graduate Count 16 8 24 48 % within Education 33.3% 16.7% 50.0% 100.0% Total Count 98 157 170 425 % within Education 23.1% 36.9% 40.0% 100.0% Source: Primary data The table 5 shows the educational status verses financial problems faced by beneficiaries in availing direct benefit transfer in Tirunelveli District. It is seen that out of 59 respondents who are illiterate, 44.1 percent of the respondents (26) are at moderate level, 55.9 percent of the respondents (33) are at high level. It is clear that out of 156 respondents with primary level, 16.0 percent of the respondents (25) are at low level, 39.7 percent of the respondents (62) are at moderate level and 44.2 percent of the respondents (69) are at high level. It focused that out of 162 respondents with school level, 35.2 percent of the respondents (57) are at low, 37.7 percent of the respondents (61) are at moderate level and 27.2 percent of the respondents (44) are at high level. It is revealed that out of 48 respondents with graduate qualification, 33.3 percent of the respondents (16) are at moderate level, 16.7 percent of the respondents (8) are at moderate level and 40.0 percent of the respondents are at high level. The table indicates the education status out of 425 respondents, 23.1 percent of the respondents (98) are at low level, 36.9 percent of the respondents (157) are at moderate level and 40.0 percent of the respondents (170) are at high level. One – way ANOVA test
  • 9. Our Heritage ISSN: 0474-9030 Vol-68-Issue--January -2020 P a g e | 10000 Copyright ⓒ 2019Authors Null Hypothesis: There is no significant mean difference between educational status and problems faced by beneficiaries in availing direct benefit transfer among the respondents Alternative Hypothesis: There is a significant mean difference between educational status and problems faced by beneficiaries in availing direct benefit transfer among the respondents Table 6 Educational status versus problems faced by beneficiaries in availing direct benefit transfer Problems Source Sum of Squares Df Mean Square F Sig. Personal Problems Between Groups 32.909 3 10.970 2.158* .032 Within Groups 2140.032 421 5.083 Total 2172.941 424 Technical Problems Between Groups 235.080 3 78.360 17.903** .000 Within Groups 1842.684 421 4.377 Total 2077.765 424 Financial Problems Between Groups 226.814 3 75.605 19.772** .000 Within Groups 1609.789 421 3.824 Total 1836.602 424 Significance at 5% level & ** Significance at 1 % level One- way ANOVA was applied to find out the significant mean difference between educational status and problems faced by beneficiaries in availing direct benefit transfer in Tirunelveli District. It is observed that there is a significant difference between educational status (illiterate, primary level, school level and graduate) of beneficiaries towards personal problems (F-value= 2.158, p<0.05), technology problems (F-value= 17.903, p<0.01) and financial problems (F-value= 19.772, p<0.01). Findings 1. It is noted that the highest percent of gender is female. 2. It is found that highest percentage of the respondents‟ literacy level is school level and lowest percentages of the respondents are graduates in the literacy level.
  • 10. Our Heritage ISSN: 0474-9030 Vol-68-Issue--January -2020 P a g e | 10001 Copyright ⓒ 2019Authors 3. It is observed that educational status of the respondents such as illiterate, primary level, school level and graduate are moderately influencing the personal problems faced by beneficiaries in availing direct benefit transfer in Tirunelveli District. 4. It is revealed that educational status of the respondents such as illiterate, primary level, school level and graduate are moderately influencing the technological problems faced by beneficiaries in availing direct benefit transfer in Tirunelveli District. 5. It is clear that educational status of the respondents such as illiterate, primary level, school level and graduate are highly influencing the financial problems faced by beneficiaries in availing direct benefit transfer in Tirunelveli District. Conclusion Direct benefit transfer plays a major role in digital financial inclusion in India which helps to transfer the financial assistance directly to the potential beneficiaries. But in the study area, beneficiaries are facing certain problems to avail the benefit due to lack of adequate educational qualification. There is a need of minimum literacy level to read and understand the terms and conditions prevailed in the direct benefit transfer system. Technology enabled payment system need basic knowledge on handing of information and communication technology devices such as computers, mobile phone, net banking etc,. Therefore, this study concludes that there is a need of basic education to enable and implement the direct benefit transfer in a successful manner. But at the same time, educational qualification will not influence highly in the performance and process of direct benefit transfer in the study area. Reference 1. Das & Bhattacharjee (2016), “Direct Benefit Transfer for LPG- A Consumer Perspective” Assam, India, Abhinav Publication, Volume 5, 2016. 2. Korde, Pandurang(2015), “Direct Benefit Transfer Scheme: Issues and Challenges”, Journal of Research in Management and Technology, Volume 4, Issue 1 (January, 2015). 3. Paramasivan C and Ganeshkumar V (2013), “Overview of Financial Inclusion in India” International Journal of Management and Development Studies Volume No. 2 (2013), Issue No. 3 (March) ISSN (Online): 2320-0685. 4. Paramasivan C & Arunkumar G (2018), “Direct Benefit Transfer- An Innovative approach to Financial Inclusion in India”, Journal of Emerging Technologies and Innovative Research (JETIR), December 2018, Volume 5, Issue 12 (ISSN-2349-5162). 5. Paramasivan (2019), “Digitalized Financial inclusion Through PMJDY in India”, Think India Journal” ISSN: 0971- 1260, Volume 22, Issue 14- December, 2019. 6. Sakthivel N Mayilsamy R Akash R (2016), “Inclusive of direct benefits transfer schemes into financial inclusion in India” International Journal of Multidisciplinary Research and Development Online ISSN: 2349-4182, Print ISSN: 2349-5979, Volume 3; Issue 11; November 2016; Page No. 56-59.