Financial linkage of women
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This document discusses women's financial inclusion in India. It notes that while 77% of women in India have access to financial services, 23% remain unserved. Various government initiatives aim to increase inclusion, such as partnerships with state institutions, and programs like Pradhan Mantri Jan Dhan Yojana. Suggested solutions to further improve inclusion include developing more self-help groups, raising awareness of financial products and government schemes, and providing training and work opportunities to build women's confidence and financial resilience.
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Women's safety has become a major issue in India, as every 20 minutes another woman is raped. While the government is taking steps to empower women and ensure their safety through new schemes, implementation remains a challenge. Suggestions to improve women's safety include increasing education, self-defense training, legal awareness, job protections for women, and improving support for widows and divorced women through pension plans. Outreach and advertising of existing government programs is also needed to help more women access available resources.
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A Study of the Role of Financial Inclusion in Womens Empowerment
inancial inclusion is an important policy measure used by various policymakers around the world to eradicate poverty, unemployment, and promote economic growth. Financial inclusion is defined as the process of providing easy and affordable financial services to the weaker and disadvantaged segments of society, particularly the backward classes, women, and children. Many studies show that financial inclusion plays an important role in promoting womens empowerment. Womens empowerment is a recent priority issue in developing economies, owing to the fact that women hold fewer salaried jobs. Womens empowerment refers to the process by which women can make their own decisions about what is best for them. It is a freedom of choice. Women may benefit from financial inclusion. In recent years, the Government of India has implemented a number of schemes aimed specifically at women, with the goal of providing them with social dignity and earning opportunities. Many schemes aim to financially include women so that they can have control over their finances and have additional assets on their accounts. The current article discusses the role of financial inclusion in womens empowerment and the various schemes implemented by the government to make women financially included. The study is entirely based on secondary data, which was gathered from various articles, journals, government websites, financial inclusion surveys, and other sources. According to the article, financial inclusion benefits womens economic empowerment. Pooja Bahuguna "A Study of the Role of Financial Inclusion in Women's Empowerment" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-7 | Issue-4, August 2023, URL: https://www.ijtsrd.com/papers/ijtsrd59624.pdf Paper Url:https://www.ijtsrd.com/economics/financial-economics/59624/a-study-of-the-role-of-financial-inclusion-in-womens-empowerment/pooja-bahuguna
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This document discusses the need for financial inclusion in India and the challenges involved. It notes that currently 41% of the adult population in India is unbanked, with even higher percentages in rural areas. Marginalized groups like small farmers, laborers, and women have little access to formal financial services. The purpose of financial inclusion is to provide affordable banking services to low-income and disadvantaged groups. However, achieving widespread financial inclusion faces challenges such as lack of awareness, high costs, documentation requirements, and behavioral barriers. The Reserve Bank of India has taken steps like promoting no-frills bank accounts but more efforts are needed to overcome issues like agent risk, dormant accounts, financial illiteracy, and ensuring long-term
Perceptions of People from Economically Backward Section towards Financial In...
Financial Inclusion aims to provide the financial services to the people from economically backward
section of the society. The objective is to assist them in their economic improvement and achieve the sustainable
growth. In this study, an effort has been made to examine the views of the people from economically backward
sectionregarding the important aspects of financial inclusion. Views of 53 respondents are analyzed. ChiSquare,
nonparametric statistical technique, has been used to examine whether the views of the different
categories of the respondents about the important aspects of financial inclusiondiffer. Based on the views of the
respondents we found that bank employees are encouraging people from economically weaker sections to open
their accounts and people also found these accounts useful. Respondents are also of the view that education
level, income level, age and period of association of the account holder with the bank directly affects the quality
of services rendered. To further enhance the utility of the scheme and ensure its success, there is a need to
provide training to bank staff so that the quality of services rendered is not differentiated between different
categories of customers. Further, whereas this study pertains to the views of the economically weaker section,
there is a need to examine the views of bankers also, so that this scheme can be made more useful.
Impact of Microcredit on Socio-Cultural Status of Members of Wshgs; A Study i...
Odisha is a mineral rich state in India but the economy of the state mainly dependents on
agricultural. Majority of the population belongs to rural areas; therefore rural sector is the main source of
economic development and manpower in the state. The western part of the state is rich with industrialization
whereas the eastern part of the state is rich with highly futile lands. In eastern part one of the costal district is
Jagatsinghpur. Development of rural areas is essential for the enhancement of overall economy and for the
betterment of rural communities. The aim of the present study was to find the impact of microcredit on sociocultural
status of the WSHG members in rural areas of district Jagatsinghpur. The universe for the present
study was all WSHG of the said district. The Sample of 187 respondents was selected from the targeted
population using the simple random sampling technique. A survey was conducted to carry out the study in which
a close ended structured questionnaire. Both descriptive and inferential statistics were used to draw the results
from the study. Through descriptive analysis, the study clearly demonstrated that microcredit has played a
positive role in improving the socio cultural status of members of WSHGs. In this regard the study observed that
microcredit played the positive role in changing and improving the women empowerment in the state.
Financial inclusion
This document discusses financial inclusion in India based on a literature review and analysis of key statistics. It begins by providing context on India's economic growth since 1991 and defines financial inclusion. It then reviews literature on various aspects of financial inclusion in India. Key statistics analyzed include the availability of ATMs and bank branches in India compared to other countries, growth in agricultural credit and bank accounts in rural areas, and the progress of banks in expanding access in rural villages. The overall perspective presented is that while progress has been made in expanding access to financial services in India, significant deficiencies still remain, particularly for vulnerable groups, and India still lags globally in terms of access points per population when compared to other nations.
Steps Taken by Reserve Bank of India and Government of India Intended for Fin...
Financial inclusion is very emerging issue of present banking activities. Government of India and Reserve Bank of India is taking priority actions for the growth and promotion of financial inclusion in India with the help of banking system. This study is primarily based to know the steps taken by Government of India and Reserve Bank of India for the success and growth of financial inclusion as well as the problems in front of the success of financial inclusion in India. This is a secondary data based exploratory and descriptive study. Data and facts used in this study accessed by using annual reports of RBI and government’s publications. Percentage and graphical method used to show the results of concerned data more effectively. Hence, this study clearly depicts the steps and difficulties related to financial inclusion in India. Pawan Sharma | Dr. D. P. Warne "Steps Taken by Reserve Bank of India and Government of India Intended for Financial Inclusion" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-5 , August 2020, URL: https://www.ijtsrd.com/papers/ijtsrd31873.pdf Paper Url :https://www.ijtsrd.com/management/accounting-and-finance/31873/steps-taken-by-reserve-bank-of-india-and-government-of-india-intended-for-financial-inclusion/pawan-sharma
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The document discusses financial inclusion through direct benefit transfer (DBT) in India. It provides an overview of DBT and some key social defense schemes covered under DBT, such as Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA), National Social Assistance Programme (NSAP), and Pratyaksha Hastaantarit Laabh (PAHAL) or Direct Benefit Transfer for LPG (DBTL). DBT aims to directly transfer government funds to beneficiaries' bank accounts in a timely and systematic manner. The document also presents statistics on the total number of beneficiaries enrolled, amounts of funds transferred through DBT from 2013 to 2017, and the percentages transferred using Aadhaar payments
7 mr.arunkumar
The document discusses financial inclusion through direct benefit transfer (DBT) in India. It provides an overview of DBT and some key social defense schemes covered under DBT, such as Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA), National Social Assistance Programme (NSAP), and Pratyaksha Hastaantarit Laabh (PAHAL) or Direct Benefit Transfer for LPG (DBTL). DBT aims to directly transfer government funds to beneficiaries' bank accounts in a timely and systematic manner. The document also presents statistics on the total number of beneficiaries enrolled and funds transferred under major DBT schemes from 2013 to 2017.
5 an-overview-of-financial-inclusion-through-dbt-in-india
This document provides an overview of financial inclusion through direct benefit transfer (DBT) in India. It discusses several major social defense schemes implemented through DBT, including the Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA), the National Social Assistance Programme (NSAP), and the PratyakshaHastaantaritLaabh (PAHAL) or Direct Benefit Transfer for LPG (DBTL). The document also reviews several studies on topics related to financial inclusion and DBT in India. Key initiatives by the government to promote financial inclusion through programs like Pradhan Mantri Jan Dhan Yojana are also summarized.
“Financial Inclusion in SHG-bank Linkage Model under SGSY with special refere...
Financial Inclusion is a very big challenge to banking sector. Till now most of the banking facilities
are not reaching to deprive. Micro financing through SHGs is a vital weapon for poverty eradication. But due to
lack of uniformity it is not complete its target efficiently. In this paper try to focus on the financial inclusion in
SHGs-Bank Linkage Programme under SGSY scheme in Jhansi district. SBLP is the banking link with poors to
uplift their socio-economoc, health, nutrition, insurance, saving, education aspects. It is an attempt to clarify
how much this programme reach to beneficiaries of SHGs.
The present study differs from previous studies as it is focused its basic cause for reduction in quality numbers
of SHGs come out after complete all stages. Further, this paper tries to access the grass root issues relating to
SHGs and the normal course in decrease the number of SHGs at last stage in the study area. The study is
undertaken in four development blocks of jhansi Districts of Uttar Pradesh during 2009-13. It is observed that
due to fast growing of the SHG-bank linkage programme, quality credit linked SHG has not cover all stages of
the programme.. Some of the factors affecting the decline of SHGs are the target oriented approach of the
government in preparing group, inadequate incentive to NGO’s for nurturing their groups etc.
MICRO FINANCE AND FINANCIAL INCLUSION
MICRO FINANCE AND FINANCIAL INCLUSIONInternational Educational Applied Scientific Research Journal (IEASRJ)
Indian agriculture sector experiences vicious circle of poverty which decelerate economic growth. Financial exclusion is one of the main reason of it. In India marginals and weaker sections are excluded from main stream of the economy. To achieve sustainable development, all sections of the people need to be come into main stream. This study is an attempt to understand the concept of financial inclusion, financial inclusion in India and micro finance. RBI defines “Financial Inclusion is the process of ensuring access to appropriate financial products and services needed by all sections of the society in general and vulnerable groups such as weaker sections and low income groups in particular at an affordable cost in a fair and transparent manner by mainstream institutional players”. The present study also tries to understand how micro finance lending facilitates the acceleration of financial inclusion. Micro finance lending is a strong weapon of financial inclusion. Micro credit provided by banks emerged as a major policy tool of financial assistance in the rural credit, particularly to the poor sections of the society. Micro finance by providing small loans and savings facilities to those who have been excluded from other formal services, acting as a key strategy for reducing poverty and discrimination.
Inclusive development means empowerment of weaker sections, SC/STs and women. In this context “financial inclusion “ owns its significance.Economic Empowerment of Women through Microcredit in South-west Region of Ban...
This study tries to reveal the role of microcredit in enhancing women empowerment in south-west
region of Bangladesh, especially in Batiaghata Upazila of Khulna District. The sample size is 80 which has
been selected randomly, and, is comprising of equal number of microcredit taker and non-microcredit taker
women of Batiaghata Upazila which has been selected randomly, engaged in poultry farming. Cumulative
Empowerment Index (CEI) is constructed and multiple linear regression model is used to find out women
empowerment status. By using CEI, the study has found that the microcredit taker women are economically
more empowered than the non-microcredit taker women. By using multiple linear regression model, the study
also finds that, contribution to household income, monthly investment, and new addition to asset ownership of
the respondents have statistically significant effect on women empowerment. But status regarding microcredit
taking gives statistically insignificant result. Above all, based on the empirical result, it can be concluded that
status regarding microcredit has a positive effect on economic empowerment of women in the study area.
The Role of NGO on Poverty Alleviation a Study on Ghashful
The following objectives are covered by our study:
To study profile of Ghashful.
To examine the loan procurement, repayment, supervision process etc.
To find out why Micro Finance as a very successful program for rural and urban poor to their poverty alleviation.
To see actual condition of loanees before and after borrowing of money from Ghashful.
To find out the contribution of Ghashful towards alleviating poverty.
To identify the irregularities and put recommendation to overcome the problems.
A Multivariate Model of Micro Credit and Rural Women Entrepreneurship Develo...
In Bangladesh, micro credit programs have positive socioeconomic impact on the rural women borrowers. However, it is perceived that the micro credit programs help the rural women borrowers to survive only and do not help them to develop entrepreneurial capabilities. Hence, this paper aims at identifying the factors related to the development of entrepreneurship among the rural women borrowers through micro credit programs. A multivariate analysis technique like Factor Analysis was conducted to identify the entrepreneurship development related factors. Structural equation modeling was used to develop a model of micro credit program and the development of rural women entrepreneurship in Bangladesh. Results show that the financial management skills and the group identity of the women borrowers have significant relationship with the development of rural women entrepreneurship in Bangladesh. The experience from the parent’s family of the borrowers and the option limit may also lead to the rural women borrowers to be entrepreneurial.
The State of Financial Inclusion – An Overview and Advancement
Financial Inclusion is delivery of banking services at an affordable cost to the vast sections of disadvantaged and low income groups. The main focus of financial inclusion in India is to promote sustainable development and generating employment in rural areas for the rural population. In India, few households have access to banking services. There are many factors affecting access to financial services by weaker section of society in India. Several steps have been taken by the Reserve Bank of India and the Government to bring the financially excluded people to the fold of the formal banking services. Financial Access Survey for 2016 released by International Monetary Fund (IMF) shows that in India there only 13 commercial bank branches per 1,00,000 individuals. PM Jan Dhan Yojna (PMJDY) was highly successful in opening bank accounts in which more than 97% of the accounts were opened with the public banks, but around 72% of these accounts show 'zero balances'. More than 1 crore bank accounts have been opened under PMJDY. However, despite the opening of such accounts, access has been lower. Access to banking is an important indicator of the level of financial inclusion in the country. India's urban and semi-urban region performs fairly well, however rural region is still underdeveloped in banking. Digital India campaign recently launched schemes like MUDRA, startup India, PMJDY, initiation of new banks like payment banks, PSL certificates trading etc. are in the right direction. With government moving towards DBT for subsidies financial inclusion becomes very critical. Focus should shift to increase coverage, reach of services and ease of availing credit.
Reaching Financial Equality for Women
A 10-point action plan for governments and businesses to rebuild stronger after COVID-19 by prioritizing women’s digital financial inclusion
FINANCIAL INCLUSION AND WOMEN EMPOWERMENT IN UGANDA A CASE OF LANGO SUB REGIO...
Women empowerment has taken a center stage in the present development agenda. The study examines the role of financial inclusion in supporting women empowerment in Lango sub region, Northern Uganda. Using both purposive and simple random sampling a Sample of 126 respondents was selected with a response rate of 100% realized. The study found out that financial support appeared to be sparse, The regulations, supervision and monitoring of some of these firms was lacking, causing many women to lose their savings with such firms. The study therefore recommended that Government should establish buffers to serve as collateral security for women who intend to secure financial credit. Financial service providers should lower down the costs of operating accounts for the financial inclusiveness of women, particularly women from rural areas. Government should tighten monitoring, regulating and supervisory policies of financial service providers to restore public trust in financial institutions in Uganda. Financial services providers, government and other development partners should offer both formal and informal business education training.
Bringing Empowerment to women
This publication has been prepared by GlobalHunt Foundation comprising a team of researchers and consultants. The publication showcases the outcome of the proceedings of the recently concluded CSR Project in partnership with Spark Minda Foundation. The publication is meant for knowledge dissemination purposes only, GlobalHunt Foundation does not endorse any individual/ company/or companies mentioned in the report. The material in this publication is quoted and referenced with proper attribution.
Early childhood education
The document discusses recent developments in curriculum and pedagogy for early childhood education in India. It outlines the National Curricular and Pedagogical Framework for Early Childhood Care and Education which includes 3 sections covering the foundation, goals, and implementation of early childhood learning. The framework adopts a flexible, activity-based approach and emphasizes the importance of play, art, music and craft in developing children's skills.
Seminar presentation
The document discusses equity and inclusion in education as outlined in India's National Education Policy 2020. It discusses four pillars of the policy: access, equity, quality, and affordability/accountability. The policy aims to ensure all children can learn and excel regardless of circumstances. It focuses on socioeconomically disadvantaged groups through measures like inclusion funds, boarding facilities, strengthening girls' schools, and allocating funds for minority education. The policy also aims to make higher education more inclusive through curriculum, representation, and anti-discrimination rules. Overall, the NEP 2020 pursues equity and inclusion through education for all children, special education zones, teacher training, and alternative school models.
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inancial inclusion is an important policy measure used by various policymakers around the world to eradicate poverty, unemployment, and promote economic growth. Financial inclusion is defined as the process of providing easy and affordable financial services to the weaker and disadvantaged segments of society, particularly the backward classes, women, and children. Many studies show that financial inclusion plays an important role in promoting womens empowerment. Womens empowerment is a recent priority issue in developing economies, owing to the fact that women hold fewer salaried jobs. Womens empowerment refers to the process by which women can make their own decisions about what is best for them. It is a freedom of choice. Women may benefit from financial inclusion. In recent years, the Government of India has implemented a number of schemes aimed specifically at women, with the goal of providing them with social dignity and earning opportunities. Many schemes aim to financially include women so that they can have control over their finances and have additional assets on their accounts. The current article discusses the role of financial inclusion in womens empowerment and the various schemes implemented by the government to make women financially included. The study is entirely based on secondary data, which was gathered from various articles, journals, government websites, financial inclusion surveys, and other sources. According to the article, financial inclusion benefits womens economic empowerment. Pooja Bahuguna "A Study of the Role of Financial Inclusion in Women's Empowerment" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-7 | Issue-4, August 2023, URL: https://www.ijtsrd.com/papers/ijtsrd59624.pdf Paper Url:https://www.ijtsrd.com/economics/financial-economics/59624/a-study-of-the-role-of-financial-inclusion-in-womens-empowerment/pooja-bahuguna
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Financial Inclusion aims to provide the financial services to the people from economically backward
section of the society. The objective is to assist them in their economic improvement and achieve the sustainable
growth. In this study, an effort has been made to examine the views of the people from economically backward
sectionregarding the important aspects of financial inclusion. Views of 53 respondents are analyzed. ChiSquare,
nonparametric statistical technique, has been used to examine whether the views of the different
categories of the respondents about the important aspects of financial inclusiondiffer. Based on the views of the
respondents we found that bank employees are encouraging people from economically weaker sections to open
their accounts and people also found these accounts useful. Respondents are also of the view that education
level, income level, age and period of association of the account holder with the bank directly affects the quality
of services rendered. To further enhance the utility of the scheme and ensure its success, there is a need to
provide training to bank staff so that the quality of services rendered is not differentiated between different
categories of customers. Further, whereas this study pertains to the views of the economically weaker section,
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Impact of Microcredit on Socio-Cultural Status of Members of Wshgs; A Study i...
Odisha is a mineral rich state in India but the economy of the state mainly dependents on
agricultural. Majority of the population belongs to rural areas; therefore rural sector is the main source of
economic development and manpower in the state. The western part of the state is rich with industrialization
whereas the eastern part of the state is rich with highly futile lands. In eastern part one of the costal district is
Jagatsinghpur. Development of rural areas is essential for the enhancement of overall economy and for the
betterment of rural communities. The aim of the present study was to find the impact of microcredit on sociocultural
status of the WSHG members in rural areas of district Jagatsinghpur. The universe for the present
study was all WSHG of the said district. The Sample of 187 respondents was selected from the targeted
population using the simple random sampling technique. A survey was conducted to carry out the study in which
a close ended structured questionnaire. Both descriptive and inferential statistics were used to draw the results
from the study. Through descriptive analysis, the study clearly demonstrated that microcredit has played a
positive role in improving the socio cultural status of members of WSHGs. In this regard the study observed that
microcredit played the positive role in changing and improving the women empowerment in the state.
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This document discusses financial inclusion in India based on a literature review and analysis of key statistics. It begins by providing context on India's economic growth since 1991 and defines financial inclusion. It then reviews literature on various aspects of financial inclusion in India. Key statistics analyzed include the availability of ATMs and bank branches in India compared to other countries, growth in agricultural credit and bank accounts in rural areas, and the progress of banks in expanding access in rural villages. The overall perspective presented is that while progress has been made in expanding access to financial services in India, significant deficiencies still remain, particularly for vulnerable groups, and India still lags globally in terms of access points per population when compared to other nations.
Steps Taken by Reserve Bank of India and Government of India Intended for Fin...
Financial inclusion is very emerging issue of present banking activities. Government of India and Reserve Bank of India is taking priority actions for the growth and promotion of financial inclusion in India with the help of banking system. This study is primarily based to know the steps taken by Government of India and Reserve Bank of India for the success and growth of financial inclusion as well as the problems in front of the success of financial inclusion in India. This is a secondary data based exploratory and descriptive study. Data and facts used in this study accessed by using annual reports of RBI and government’s publications. Percentage and graphical method used to show the results of concerned data more effectively. Hence, this study clearly depicts the steps and difficulties related to financial inclusion in India. Pawan Sharma | Dr. D. P. Warne "Steps Taken by Reserve Bank of India and Government of India Intended for Financial Inclusion" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-5 , August 2020, URL: https://www.ijtsrd.com/papers/ijtsrd31873.pdf Paper Url :https://www.ijtsrd.com/management/accounting-and-finance/31873/steps-taken-by-reserve-bank-of-india-and-government-of-india-intended-for-financial-inclusion/pawan-sharma
C.PARAMASIVAN
The document discusses financial inclusion through direct benefit transfer (DBT) in India. It provides an overview of DBT and some key social defense schemes covered under DBT, such as Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA), National Social Assistance Programme (NSAP), and Pratyaksha Hastaantarit Laabh (PAHAL) or Direct Benefit Transfer for LPG (DBTL). DBT aims to directly transfer government funds to beneficiaries' bank accounts in a timely and systematic manner. The document also presents statistics on the total number of beneficiaries enrolled, amounts of funds transferred through DBT from 2013 to 2017, and the percentages transferred using Aadhaar payments
7 mr.arunkumar
The document discusses financial inclusion through direct benefit transfer (DBT) in India. It provides an overview of DBT and some key social defense schemes covered under DBT, such as Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA), National Social Assistance Programme (NSAP), and Pratyaksha Hastaantarit Laabh (PAHAL) or Direct Benefit Transfer for LPG (DBTL). DBT aims to directly transfer government funds to beneficiaries' bank accounts in a timely and systematic manner. The document also presents statistics on the total number of beneficiaries enrolled and funds transferred under major DBT schemes from 2013 to 2017.
5 an-overview-of-financial-inclusion-through-dbt-in-india
This document provides an overview of financial inclusion through direct benefit transfer (DBT) in India. It discusses several major social defense schemes implemented through DBT, including the Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA), the National Social Assistance Programme (NSAP), and the PratyakshaHastaantaritLaabh (PAHAL) or Direct Benefit Transfer for LPG (DBTL). The document also reviews several studies on topics related to financial inclusion and DBT in India. Key initiatives by the government to promote financial inclusion through programs like Pradhan Mantri Jan Dhan Yojana are also summarized.
“Financial Inclusion in SHG-bank Linkage Model under SGSY with special refere...
Financial Inclusion is a very big challenge to banking sector. Till now most of the banking facilities
are not reaching to deprive. Micro financing through SHGs is a vital weapon for poverty eradication. But due to
lack of uniformity it is not complete its target efficiently. In this paper try to focus on the financial inclusion in
SHGs-Bank Linkage Programme under SGSY scheme in Jhansi district. SBLP is the banking link with poors to
uplift their socio-economoc, health, nutrition, insurance, saving, education aspects. It is an attempt to clarify
how much this programme reach to beneficiaries of SHGs.
The present study differs from previous studies as it is focused its basic cause for reduction in quality numbers
of SHGs come out after complete all stages. Further, this paper tries to access the grass root issues relating to
SHGs and the normal course in decrease the number of SHGs at last stage in the study area. The study is
undertaken in four development blocks of jhansi Districts of Uttar Pradesh during 2009-13. It is observed that
due to fast growing of the SHG-bank linkage programme, quality credit linked SHG has not cover all stages of
the programme.. Some of the factors affecting the decline of SHGs are the target oriented approach of the
government in preparing group, inadequate incentive to NGO’s for nurturing their groups etc.
MICRO FINANCE AND FINANCIAL INCLUSION
MICRO FINANCE AND FINANCIAL INCLUSIONInternational Educational Applied Scientific Research Journal (IEASRJ)
Indian agriculture sector experiences vicious circle of poverty which decelerate economic growth. Financial exclusion is one of the main reason of it. In India marginals and weaker sections are excluded from main stream of the economy. To achieve sustainable development, all sections of the people need to be come into main stream. This study is an attempt to understand the concept of financial inclusion, financial inclusion in India and micro finance. RBI defines “Financial Inclusion is the process of ensuring access to appropriate financial products and services needed by all sections of the society in general and vulnerable groups such as weaker sections and low income groups in particular at an affordable cost in a fair and transparent manner by mainstream institutional players”. The present study also tries to understand how micro finance lending facilitates the acceleration of financial inclusion. Micro finance lending is a strong weapon of financial inclusion. Micro credit provided by banks emerged as a major policy tool of financial assistance in the rural credit, particularly to the poor sections of the society. Micro finance by providing small loans and savings facilities to those who have been excluded from other formal services, acting as a key strategy for reducing poverty and discrimination.
Inclusive development means empowerment of weaker sections, SC/STs and women. In this context “financial inclusion “ owns its significance.Economic Empowerment of Women through Microcredit in South-west Region of Ban...
This study tries to reveal the role of microcredit in enhancing women empowerment in south-west
region of Bangladesh, especially in Batiaghata Upazila of Khulna District. The sample size is 80 which has
been selected randomly, and, is comprising of equal number of microcredit taker and non-microcredit taker
women of Batiaghata Upazila which has been selected randomly, engaged in poultry farming. Cumulative
Empowerment Index (CEI) is constructed and multiple linear regression model is used to find out women
empowerment status. By using CEI, the study has found that the microcredit taker women are economically
more empowered than the non-microcredit taker women. By using multiple linear regression model, the study
also finds that, contribution to household income, monthly investment, and new addition to asset ownership of
the respondents have statistically significant effect on women empowerment. But status regarding microcredit
taking gives statistically insignificant result. Above all, based on the empirical result, it can be concluded that
status regarding microcredit has a positive effect on economic empowerment of women in the study area.
The Role of NGO on Poverty Alleviation a Study on Ghashful
The following objectives are covered by our study:
To study profile of Ghashful.
To examine the loan procurement, repayment, supervision process etc.
To find out why Micro Finance as a very successful program for rural and urban poor to their poverty alleviation.
To see actual condition of loanees before and after borrowing of money from Ghashful.
To find out the contribution of Ghashful towards alleviating poverty.
To identify the irregularities and put recommendation to overcome the problems.
A Multivariate Model of Micro Credit and Rural Women Entrepreneurship Develo...
In Bangladesh, micro credit programs have positive socioeconomic impact on the rural women borrowers. However, it is perceived that the micro credit programs help the rural women borrowers to survive only and do not help them to develop entrepreneurial capabilities. Hence, this paper aims at identifying the factors related to the development of entrepreneurship among the rural women borrowers through micro credit programs. A multivariate analysis technique like Factor Analysis was conducted to identify the entrepreneurship development related factors. Structural equation modeling was used to develop a model of micro credit program and the development of rural women entrepreneurship in Bangladesh. Results show that the financial management skills and the group identity of the women borrowers have significant relationship with the development of rural women entrepreneurship in Bangladesh. The experience from the parent’s family of the borrowers and the option limit may also lead to the rural women borrowers to be entrepreneurial.
The State of Financial Inclusion – An Overview and Advancement
Financial Inclusion is delivery of banking services at an affordable cost to the vast sections of disadvantaged and low income groups. The main focus of financial inclusion in India is to promote sustainable development and generating employment in rural areas for the rural population. In India, few households have access to banking services. There are many factors affecting access to financial services by weaker section of society in India. Several steps have been taken by the Reserve Bank of India and the Government to bring the financially excluded people to the fold of the formal banking services. Financial Access Survey for 2016 released by International Monetary Fund (IMF) shows that in India there only 13 commercial bank branches per 1,00,000 individuals. PM Jan Dhan Yojna (PMJDY) was highly successful in opening bank accounts in which more than 97% of the accounts were opened with the public banks, but around 72% of these accounts show 'zero balances'. More than 1 crore bank accounts have been opened under PMJDY. However, despite the opening of such accounts, access has been lower. Access to banking is an important indicator of the level of financial inclusion in the country. India's urban and semi-urban region performs fairly well, however rural region is still underdeveloped in banking. Digital India campaign recently launched schemes like MUDRA, startup India, PMJDY, initiation of new banks like payment banks, PSL certificates trading etc. are in the right direction. With government moving towards DBT for subsidies financial inclusion becomes very critical. Focus should shift to increase coverage, reach of services and ease of availing credit.
Reaching Financial Equality for Women
A 10-point action plan for governments and businesses to rebuild stronger after COVID-19 by prioritizing women’s digital financial inclusion
FINANCIAL INCLUSION AND WOMEN EMPOWERMENT IN UGANDA A CASE OF LANGO SUB REGIO...
Women empowerment has taken a center stage in the present development agenda. The study examines the role of financial inclusion in supporting women empowerment in Lango sub region, Northern Uganda. Using both purposive and simple random sampling a Sample of 126 respondents was selected with a response rate of 100% realized. The study found out that financial support appeared to be sparse, The regulations, supervision and monitoring of some of these firms was lacking, causing many women to lose their savings with such firms. The study therefore recommended that Government should establish buffers to serve as collateral security for women who intend to secure financial credit. Financial service providers should lower down the costs of operating accounts for the financial inclusiveness of women, particularly women from rural areas. Government should tighten monitoring, regulating and supervisory policies of financial service providers to restore public trust in financial institutions in Uganda. Financial services providers, government and other development partners should offer both formal and informal business education training.
Bringing Empowerment to women
This publication has been prepared by GlobalHunt Foundation comprising a team of researchers and consultants. The publication showcases the outcome of the proceedings of the recently concluded CSR Project in partnership with Spark Minda Foundation. The publication is meant for knowledge dissemination purposes only, GlobalHunt Foundation does not endorse any individual/ company/or companies mentioned in the report. The material in this publication is quoted and referenced with proper attribution.
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Financial linkage of women
- 1. Introduction 1.Access to and use of basic,formal , financial services,product. Eg - Bank account,credit , insurance, saving product payment service which are available 2.Increasing access leads to inclusive economic growth& Poverty inclusion 3.Can have transformativeimpacts on women
- 3. Women And Financial inclusion Poverty reduction Increasing SocialCapital women empowerment Building Financial Resilience According 2017Global findex database 83%of males above 15years of age have accounts
- 4. Women in India ( Data ) 1)77%access of financial services 2)23% don't have access to formal financial services 3) 42% No transaction in last year 13%non dormant
- 5. Goa records highest number of women opening accounts .whereas Bihar marks the lowest Status of women
- 6. *Patenership with govt institution Bihar and odhisa * Pradhan Mantri Jan dhan Yojana *Atal Pension Yojana *Pradhan mantri Vandana Yojana *Bank sakhi -Trainer's guide *Mahila udyami Sashaktikaran program *Swalambam Entrepreneurship Development program Government Initiatives
- 7. Solutions forinclusion Development o f more SHG's in l o c a l a r e a s Awarenessofgovernmentschemes Awareness o f f i n a n c i a l products & services Building confidencetousedigitalfinancing Concessions and a f e m a l e t r a i n e r t o b e t t e r make t h e a w a r e o f schems and usage Work opportunities f o r Women t o be introduced
- 8. Conclusion "A women's little protection is a little money for her "