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Erschienen in:
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2021 | OriginalPaper | Buchkapitel

1. Inclusive Banking—Concept and Context

verfasst von : Lalitagauri Kulkarni, Vasant Chintaman Joshi

Erschienen in: Inclusive Banking In India

Verlag: Springer Singapore

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Abstract

The ‘Pandemic’ has wrought untold miseries on the poor. Millions of people are estimated to be pushed into extreme poverty. As the world is turning ‘upside down’, this is the time to revisit the existing system of financial inclusion and to reconsider the role of banking sector in providing financial services to the low income population. With new technologies coming into vogue, banks in India can play a significant role in the poverty alleviation process. This chapter emphasizes the need to change the narrative of financial inclusion and indicates that the low income population can be tapped by the banks as a viable business segment.

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Nächstes Kapitel Inclusive Finance and Economic Growth: The Theoretical Underpinnings
Fußnoten
1
A field survey of 100 individuals residing in slums in Pune was undertaken by the authors during May to December 2019 to study the bank account ownership and mobile banking.
 
2
Chapter 6 of this book provides a detailed discussion on Government’s initiatives on inclusive banking.
 
3
The literature most commonly identifies the exclusion from financial system on account of low incomes. However, the exclusion on account of caste, colour, race, gender, etc., is not widely analysed except for a few studies on gender disparity and caste biases in the financial system.
 
4
The following discussion on committees and their recommendations is drawn from Joshi, D. P. (2013). Financial Inclusion: Journey So Far and Road Ahead. Speech delivered by Executive Director, RBI, at the Mint Conclave on Financial Inclusion on November 28.
.
 
6
In Esther Duflo’s Marshall Lecture Sense. Duflo, Esther (2013), Paternalism, Freedom, and Hope in the Fight Against Poverty, Marshal Lecture 2012–13, University of Cambridge.
 
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Chakrabarty, K. C. (2011, October 14). Address at the FICCI (Federation of Indian Chambers of Commerce & Industry) – UNDP (The United Nations Development Programme Seminar on “Financial Inclusion: Partnership between Banks, MFIs and Communities”. New Delhi.
Cull, R., Demirguc-Kunt, A., & Morduch, J. (2012). Banking the world: Empirical foundations of financial inclusion. Massachusetts Institute of Technology,
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Demirgüç-Kunt, A., Klapper, L., Singer, D., Ansar, S., & Hess, J. (2018). The Global Findex database 2017: Measuring financial inclusion and the Fintech Revolution. Washington, DC: World Bank. https://​doi.​org/​10.​1596/​978-1-4648-1259-0. License: Creative Commons Attribution CC BY 3.0 IGO.
Demirguc-Kunt, A., Martinez Peria, M. S., & Aggarwal, R. (2006). Do workers’ remittances promote financial development?
Dupas, P., Green, S., Keats, A., & Robinson, J. (2012). Challenges in banking the rural poor: Evidence from Kenya’s western province (No. w17851). National Bureau of Economic Research.
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Rajan, R. (2009). A hundred small steps. Report of the Committee on Financial sector reforms (Planning Commission Government of India): 50–53.
Rajan, R. G., & Zingales, L. (2001). Financial systems, industrial structure, and growth. Oxford Review of Economic Policy, 17(4), 467–482.CrossRef
RBI. (2008). Report of the committee on financial inclusion. Ministry of Finance, Government of India (Chairman: Rangarajan, C.).
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Metadaten
Titel
Inclusive Banking—Concept and Context
verfasst von
Lalitagauri Kulkarni
Vasant Chintaman Joshi
Copyright-Jahr
2021
Verlag
Springer Singapore
Buch
Inclusive Banking In India

Print ISBN: 978-981-336-796-8

Electronic ISBN: 978-981-336-797-5

Copyright-Jahr: 2021

DOI
https://doi.org/10.1007/978-981-33-6797-5_1