Financial inclusion models by d v deshpande
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Financial Inclusion is an important area for inclusive development agenda of Government of India (and many other countries). This presentation covers important aspects of major initiatives in India and also touches upon important international models.
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1. The document discusses financial inclusion, which aims to provide affordable financial services to disadvantaged and low-income groups. It has become an objective for many central banks in developing nations.
2. Financial inclusion efforts in Bangladesh aim to provide basic financial services to 80% of the adult population through regulated microfinance institutions and cooperatives. The remaining 20% is being targeted through innovative partnerships.
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- It has a headquarter branch in Sangli with an ATM center. The main crops in the area are grapes, turmeric, and other foods.
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Potential Linked Plan of NABARD and its importance in DCP (District Credit Pl...Dr Dilip Vishnu Deshpande
Potential Linked Plan (PLP) is a unique document prepared by District Development Manager (DDM) NABARD for each district . It gives very useful information about credti flow and potential for development through credit. It is useful for bankers, government, NGOs, students as well as policy makersD v deshpande in namibia on self help & group models for sustainable and incl...
D v deshpande in namibia on self help & group models for sustainable and incl...Dr Dilip Vishnu Deshpande
I was invited by AARDO (Afrcan Asian Rural Deelopment Orgnisation) to address a National workshop in Namibia from 10-14 June'19. This is a presentation I used there. (for economy of size of file, the videos which were hyperlinked have not been uploaded)Rural financing ppt by d v deshpande dilip v deshpande
Presentation to bank staff on features of rural economy, rural financing, Kisan Credit Card, National Rural Livelihood Mission (NRLM), Self Help Groups (SHG), Joint Liability Group (JLG), term loans for agriculture, dairy etc., in Indian context
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Sustainable natural resource management NABARD India experience d v deshpande
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D v deshpande in namibia on self help & group models for sustainable and incl...
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Rural financing ppt by d v deshpande dilip v deshpande
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Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.Eco-Innovations and Firm Heterogeneity. Evidence from Italian Family and Nonf...
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3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
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Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
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After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
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[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
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Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
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Detailed power point presentation on compound interest and how it is calculated
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Using Online job postings and survey data to understand labour market trends
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Financial inclusion models by d v deshpande
- 1. Models of Financial Inclusion D V Deshpande Professor, VAMNICOM dvdesh@gmail.com 1
- 2. Session Objectives At the end of the sessions, the participants would be able to: Explain major models of financial inclusion Identify suitable ideas for their bank for implementation 2
- 3. Financial Inclusion covers FINANCiAL IINCLUSION Savings Insurance & social security Payment & Remittance Credit Financial Advice 3
- 4. Objectives of Financial Inclusion • Empower the poor, weak, women, farmers, SC/ST • Banking the unbanked • Reaching the unreached • Getting out of clutches of money lenders • Financial inclusion integral part of “Inclusive development” • Last mile connectivity • Financial Inclusion--- Livelihood connection 4
- 5. 5
- 6. Efforts made across the world! • Financial exclusion is a priority for several countries- especially Africa , Asia, Latin America • Kenya-M-Pesa Model of Kenya using mobile- bypasses bank- Company- Safaricom-Vodafone • South Africa:- No-Frills Banking: Basic bank accounts (Mzansi accounts) with minimum deposit and a set number of free transactions • BRAZIL: Branchless Banking by agents called banking correspondents (BCs) 6
- 7. Policy Initiatives &Provision of infrastructure by GoI, RBI, NABARD & others • Multi agency approach- Commercial Bank, RRB, coop. bank, urban coop bank, MFI • Differentiated banking licenses- • Universal bank • Small Financing bank • Payment Bank • Simplified Branch Authorisation for small towns /villages (Tier 2 to Tier 6 Centres- upto 50000 population ) • Opening of more ‘Brick & Mortar’ Branches- • 2006- no. of branches 68681 • 2018- no. of branches 142642 – 1 branch per 9000 • Kiosk model- agent model or limited staff model 7
- 8. Policy intiatives contd.. • Creation of “Financial Inclusion Fund” in NABARD- 2008 & reconstituted in 2015 with Rs 2000 crore • Financial Literacy Centre (FLC) by banks • Financial Litercy Awareness Programmes (FLAPs) & Digital FLAPs – dFLAPs • Provision of Micro ATMs • Preparation of Financial Inclusion Plan • Simplified KYC 8
- 9. Alternate delivery channels • Technology driven models- NPCI – National Payments Corporation of India • Inter-operability • Adhar enabled Payment System (AEPS) • ATMs- the number has now touched 2.40 lakh (2018-NPCI)- around 6000 of cooperative banks – both urban & rural • Business correspondent (BC) using laptop or micro ATM • Corporate BC • Self Help Group (SHG) as BC- • Bank Sakhi/ Bank Mitra • Internet banking • Mobile banking- BHIM App 9
- 10. Models related to savings • PMJDY: (Pradhan Mantri Jan Dhan Yojana) – 31.2 crore accounts – Rs 75000 crore • BSBDA- Basic Savings Bank Deposit account- basic account with minimum balance • Conducted in campaign mode & Mission mode 10
- 11. Credit related models/ initiatives • KCC- (started 1996) cumulative 6.92 crore issued up to 2018 • Rupay Kisan Card • Crop Insurance • SHGs- now 85 lakh SHGs with 10 crore households connected • JLGs- 25 lakh • GCC- General Credit Card- 36.3 lakh issued • MUDRA bank- Micro Units Development Refinance Agency- • Shishu- upto loan of Rs 50000 • Kishore- upto loan of Rs 50k to 5 lakh • Tarun- upto loan of Rs 5 lakh to 10 lakh • Stand Up India – for loan of Rs 10 lakh to 1 cr for SC/ST/Women 11
- 12. Insurance/social security • 1. Sukanya Samriddhi Yojana- ‘Beti Bachao Beti Padhao’ • 2. National Pension Scheme- additional tax benefit up to Rs 50000/- • Atal Pension Yojana- for poor – pension starts at 60 • Pradhan Mantri Jeevan Jyoti Bima Yojana- For premium of Rs 330 insurance of Rs 2 lakh • Pradhan Mantri Suraksha Bima Yojana (PMSBY)- accidental death insurance of Rs 2 lakh for SB a/c holders for premium of Rs 12 per year 12
- 13. THANK YOU! 13