scholarly journals Dimensions for Measuring Financial Inclusion in the Rural Areas of Tamil Nadu

2016 ◽  
Vol 9 (32) ◽  
Author(s):  
M. Bhuvana ◽  
S. Vasantha
Keyword(s):  
Rural Areas ◽  
Tamil Nadu ◽  
Financial Inclusion

Financial inclusion and socioeconomic development: gaps and solution

2018 ◽  
Vol 45 (7) ◽  
pp. 1122-1140 ◽  
Author(s):  
Shailesh Rastogi ◽  
Ragabiruntha E.
Keyword(s):  
Factor Analysis ◽  
Rural Areas ◽  
Urban Areas ◽  
Tamil Nadu ◽  
Structural Model ◽  
Reliability And Validity ◽  
Financial Inclusion ◽  
Degree Of Freedom ◽  
Primary Data ◽  
Content Type

Purpose The purpose of this paper is to identify factors relevant for financial inclusion (FI) and establish a model that shows how these factors lead to economic development (ED) through FI. Design/methodology/approach Primary data were collected through structured questionnaire. Out of 350, 311 respondents accurately filled the questionnaire. The data were collected from rural areas of Tamil Nadu. Exploratory factor analysis has been applied to evaluate drivers/factors relevant for FI. Confirmatory factor analysis has been applied to establish reliability and validity of the identified factors. A structural model has been proposed and empirically tested for ED through FI. Findings The main findings of the current paper are as follows: online banking (OB), understanding banking services (UBS) and financial literacy (FL) are the drivers of FI; FI can lead to ED, as the proposed model of ED, through FI, is supported in the paper (χ2/degree of freedom and CMIN/degree of freedom are less than 3; GFI and AGFI are more than 0.90 and 0.85, respectively). Behavior of the people, with respect to mode of financial transactions, has changed due to demonetization. (The χ2 test for mode of financial transaction is significant). Research limitations/implications The geographical reach of the sample should cover the whole India. The sample should also have equal representation from rural and urban areas. Practical implications The identified factors for FI (OB, UBS and FL) should be more focused to bring about better results for FI in India. These factors can lead to a more effective execution of FI initiatives. In addition to this, policy makers can be confident of relying upon FI as a tool for ED. Originality/value The identified three drivers for FI have not been explored earlier. In addition to this, ED (through FI) in the form of structural model has also not been tested earlier. Government of India can realign their policies toward FI by using findings of this paper. In addition to increasing the access of formal financial system to masses, more thrust can be given to OB and FL for better results of FI in India.

Success of Self Help Group – Bank Linkage Program in India under Financial Inclusion

2016 ◽  
Vol 6 (1) ◽  
Author(s):  
Ritu Singh
Keyword(s):  
Rural Areas ◽  
Commercial Banks ◽  
Financial Inclusion ◽  
Functional Reach ◽  
Self Help ◽  
Geographical Spread ◽  
The Social ◽  
Linkage Program ◽  
Self Help Group

The ‘social banking’ policies being followed by the country resulted in widening the geographical spread and functional reach of commercial banks in rural areas in the period that followed the nationalization of banks. This paper is concluded with a view that SHG – Bank Linkage program is a success in our country India and helping many people to make their life better.

Impact of Elected Women Representatives of Panchayati Raj in Physical and Financial and Business Assets Development of Rural Women: A Study among the Rural Women’s of Tiruvannamalai District, Tamil Nadu[1]

2017 ◽  
Vol 4 (24) ◽  
Author(s):  
Kalaichelvi Sivaraman ◽  
Rengasamy Stalin
Keyword(s):  
Rural Women ◽  
Rural Areas ◽  
Urban Areas ◽  
Direct Democracy ◽  
Tamil Nadu ◽  
Local Level ◽  
Rural And Urban Areas ◽  
The Government ◽  
The Impact ◽  
Panchayati Raj

This research paper is the part of Research Project entitled “Impact of Elected Women Representatives in the Life and Livelihood of the Women in Rural Areas: With Special Reference to Tiruvannamalai District, Tamil Nadu” funded by University of Madras under UGC-UPE Scheme.The 73rd and 74th amendments of the Constitution of India were made by the government to strengthen the position of women and to create a local-level legal foundation for direct democracy for women in both rural and urban areas. The representation for women in local bodies through reservation policies amendment in Constitution of India has stimulated the political participation of women in rural areas. However, when it’s comes to the argument of whether the women reservation in Panchayati Raj helps or benefits to the life and livelihood development of women as a group? The answer is hypothetical because the studies related to the impact of women representatives of Panchayati Raj in the life and livelihood development of women was very less. Therefore, to fill the gap in existing literature, the present study was conducted among the rural women of Tiruvannamalai district to assess the impact of elected women representatives in the physical and financial and business development of the women in rural areas. The findings revealed that during the last five years because of the women representation in their village Panjayati Raj, the Physical Asset of the rural women were increased or developed moderately (55.8%) and Highly (23.4%) and the Financial and Business Asset of the rural women were increased or developed moderately (60.4%) and Highly (18.7%).

scholarly journals COVID‐19 and the Unequalizing Infrastructures of Financial Inclusion in Tamil Nadu

2021 ◽  
Vol 52 (4) ◽  
pp. 927-951
Author(s):  
Isabelle Guérin ◽  
Vincent Guermond ◽  
Nithya Joseph ◽  
Nithya Natarajan ◽  
Govindan Venkatasubramanian
Keyword(s):  
Tamil Nadu ◽  
Financial Inclusion

Effect of Digital Pedagogy in Ierventions in Rural Areas

2021 ◽  
pp. 227-240
Author(s):  
Sona Ahuja ◽  
Diksha Yadav
Keyword(s):  
Academic Achievement ◽  
Rural Areas ◽  
Online Teaching ◽  
Tamil Nadu ◽  
Learning Experience ◽  
Learning System ◽  
School Students ◽  
Digital Pedagogy ◽  
Set Up ◽  
Teaching Learning

The present study provides a description of the model of interactive digital pedagogy for remote areas and its impact on pedagogical satisfaction and academic achievement of students. This pedagogical intervention was designed to enrich and supplement the teaching-learning experience in remote and underprivileged schools through the use of technology. An interactive online teaching-learning system was set-up using a digital pedagogy. 150 school students and 80 prospective teachers from three higher secondary schools of Madhya Pradesh and Tamil Nadu participated in the study. Pedagogical satisfaction and academic achievement of the school students who studied in this set-up were examined. The results revealed that active learning, technological competence and learner autonomy were enhanced in an online environment when compared to an offline environment.

scholarly journals A Study on the Impact of Schemes and Programmes of Government of India on Agriculture to Increase Productivity, Profitability, Financial Inclusion, and Welfare of Farmers to Transform them into Modern Society

2021 ◽  
pp. 231-243
Author(s):  
Mahesh K. M. ◽  
P. S. Aithal ◽  
Sharma K. R. S.
Keyword(s):  
Rural Areas ◽  
Financial Services ◽  
Modern Society ◽  
Modern Technology ◽  
Mobile App ◽  
Financial Inclusion ◽  
Agricultural Products ◽  
Theoretical Concepts ◽  
The Government ◽  
The Impact

Purpose: The foremost intent of this research article is to create awareness about various schemes for the productive sector of agriculture. Through this study, the level of performance of these agricultural schemes and programmes were analysed that will be helpful for the attainment of financial inclusion. Hence it is necessary to know about various schemes and their making to connect the beneficiaries. Agriculture is the basic source of food supply, production, processing, promotion and distribution. Agricultural products contribute to Gross Domestic Product (G.D.P.) and generate employment in rural areas. They transform the lives of the farmers in modern society. The government of India has introduced Minimum Support Price (MPS), MIF, PMKSY, PMFBY, e-NAM, PM-KISAN, PMJDY, PM-KUSUM, PKVY, NAMS, and MGNREGS. The mobile app KisanSuvidha and innovative programmes like Kisan Rail, KrishiUdaan double the farmers’ Income (DFI). These help in transforming village economy, coverage of irrigation, crop insurance, and stabilizing the income. They also ensure financial support, flow of credit and Direct Benefit transfer of subsidies and funds to beneficiaries. Adopting modern technology, farm-based activity, poultry, dairy, forestry, beekeeping and with the support of SHGs which will directly impact productivity, profitability, financial inclusion, and the welfare of farmers in the 21st century and development of the country’s economy. Design/ methodology/approaches: This study is all about the theoretical concepts based on analysis of various schemes and interconnect. Findings and results: This study reveals that the effectiveness of various agricultural programs and also identifies the benefits and beneficiaries of these schemes. Under this research, various financial services, subsidies, funds released, online platform for agricultural products, funds for micro-irrigation, and so on benefits provided by the government of India were studied. Originality/value: Analysed the various schemes and compelled its beneficiaries and develop a modern to achieve financial inclusion and economic growth through the study. Type of Paper: Research Analysis.

scholarly journals Analysis of Nutrient Security Prospects in Rural Tamil Nadu: Nutrient Availability, Nutrient Consumption Status and Way to Attain Nutrient Security

2021 ◽  
Vol 9 (3) ◽  
pp. 10-22
Author(s):  
S. Appasmandri ◽  
Keyword(s):  
Nutrient Availability ◽  
Rural Areas ◽  
Distribution System ◽  
Tamil Nadu ◽  
Nutrient Status ◽  
Consumption Pattern ◽  
Public Distribution System ◽  
Nutrient Consumption ◽  
Tamil Nadu State ◽  
Availability Assessment

Among the basic needs of life, food possesses ahead of everyone else as it nourishes us and able to stand which leads further activity. Tamil Nadu state is self-sufficient in food production and Nutrient availability assessment also shows the same but the consumption pattern shows inverse pattern to availability because consumption is directly related with income, education, taste and preference, cultural, ethical and etc. Food consumption patterns of rural Tamil Nadu shows that high demand of Public Distribution System (PDS) observed in earlier and gradually decreased over year. Vitamin Thiamine is coming under severe inequality category in rural areas of Tamil Nadu for both 61st and 68 rounds. Goal programming was effectively optimised the nutrient requirement with least cost and optimised to higher level of nutrient status.

scholarly journals ROLE OF TECHNOLOGY IN FINANCIAL INCLUSION IN INDIA

2021 ◽  
pp. 1-5
Author(s):  
Arun.K.V
Keyword(s):  
Rural Areas ◽  
Financial Services ◽  
Business Models ◽  
Formal System ◽  
Financial Inclusion ◽  
Handheld Devices ◽  
Mobile Banking ◽  
Major Step ◽  
Banking Business

Technology and financial inclusion are the popular coinage in banking parleys in the country. While technological upgradation and mobile banking are catching up so fast, financial inclusion is tardy. Financial inclusion is a major agenda for the Reserve Bank of India (RBI). Without financial inclusion, banks cannot reach the un-banked. It is also a major step towards increasing savings and achieving balanced growth. The reach the country is having with technological progress mobile banking has the potential to emerge as a game changer in terms of costs, convenience, and speed of reach. Business models of banks, telecom operators and other stakeholders need to converge. However, the banking industry’s penetration to un-banked areas is still found sluggish. The role of the Indian banker is challenging. At one end of this spectrum lies the demand to achieve financial inclusion as nearly 50 per cent of the population is yet to be covered under the formal system of banking and at the other end lies the task to fulfil the needs of the existing customers. The first priority for banks is to adopt core banking solution (CBS), including all regional rural banks (RRBs). Next, a multi-channel approach using handheld devices, mobiles, cards, micro-ATMs, branches and kiosks can be used. However, it should be ensured that the transactions put through such front-end devices should be seamlessly integrated with the banks’ CBS. In rural areas, where accessibility is a problem, banks are using the microfinance network and business correspondents and facilitators to bring more people under the ambit of banking services. Capitalising on the huge untapped potential in smaller towns and cities and rendering financial services to this segment of people poses a big challenge. Few banks have explored technology solutions to increase the scale of their microfinance portfolios, with the use of smart cards and core banking solutions. KEYWORDS- Technology, Financial Inclusion, Core Banking, Business Correspondents

scholarly journals A study on prevalence of alcohol consumption among higher secondary school students in Theni district, Tamil Nadu

2020 ◽  
Vol 9 (2) ◽  
pp. 226
Author(s):  
Shankareswari S. ◽  
Jayapriya B. ◽  
Sandeep K. ◽  
Lourdu Jafrin A.
Keyword(s):  
Alcohol Consumption ◽  
Alcohol Use ◽  
Secondary School ◽  
Rural Areas ◽  
Tamil Nadu ◽  
Contributing Factors ◽  
School Students ◽  
School Based ◽  
Effective Interventions ◽  
Validated Questionnaire

Background: Studies show that in India, the health loss from alcohol will grow larger, unless effective interventions are implemented. Initiation of alcohol intake starts from a very early age and is higher in rural areas. The best way to reduce alcoholism is prevention rather than curing the already addicted persons. For this we need to know the magnitude of this problem. This study is aimed at estimating the prevalence, identifying the causative and contributing factors of alcoholism among higher secondary school children of Theni district.Methods: A self-administered validated questionnaire was given to the male school students of 15 to 17 years (XI and XII students) to assess the prevalence and pattern of alcohol use among them. The questionnaire was prepared with reference from the global school-based student health survey (GSHS), the alcohol use disorders identification test (AUDIT) questionnaire and the cut-annoyed-guilty- eye (CAGE) questionnaire. Data analysis was done using software OpenEpi, Version 3.Results: A total of 500 students were analyzed with a response rate of 94% (n=470). The overall prevalence of alcohol use was found to be 31.06%. Nearly 70% had the possibility of alcoholism and should be investigated further for severity of alcohol use, 30% had impaired control over drinking almost daily and 17% had injury or injured someone because of drinking.Conclusions: The mean age of initiation of alcohol consumption is decreasing and the number of alcohol consumers is increasing.

scholarly journals Risk factor assessment and screening for diabetes in field practice area of a private medical college in Thiruvallur district of Tamil Nadu

2017 ◽  
Vol 4 (8) ◽  
pp. 2670 ◽  
Author(s):  
Sathish Dev ◽  
Timsi Jain ◽  
Sivaprakasam P. ◽  
Dinesh Raja
Keyword(s):  
Rural Areas ◽  
Urban Areas ◽  
Tamil Nadu ◽  
Univariate Analysis ◽  
The Elderly ◽  
World Health ◽  
Chi Square ◽  
Medical College ◽  
Diabetes Status ◽  
Field Practice

Background: Diabetes, which was known to be an epidemic in the urban areas, has been found to be increasing rapidly in the rural areas too as a result of the socioeconomic transitions. Diabetes is no longer only a disease of the elderly but is one of the major causes of morbidity and mortality affecting youth and middle aged people.Methods: Screening camp for diabetes was conducted by the Department of Community Medicine in three different areas in the field practice area of Saveetha Medical College and Hospital viz. Thirumazhisai, Kuthambakkam and Velavedu in Thiruvallur district of Tamil Nadu on 7th April 2016 as a part of World Health Day 2016 celebration. Data was collected using a predesigned interview schedule. Descriptive statistics was calculated using rates, ratios & proportions. Univariate analysis was done using Chi square test to find the association between various factors and diabetes status. A parsimonious regression model was developed to find the predictor variables for diabetes.Results: A total of 188 people aged above 18 years attended the screening camps. Majority of the camp attendees were females (62.2%). Proportion of people having diabetes (already diagnosed plus newly screened) was found to be 18.1% out of which 3.2% were screened positive for diabetes. On regression analysis, Intake of alcohol and perceived stress were found to be significantly associated with diabetes (p<0.05).Conclusions: This study highlights a significant burden of undiagnosed cases of diabetes in the community. This indicates the need for systematic screening and awareness programs to identify the undiagnosed cases in the community and offer early life style modifications, treatment and regular follow up to such individuals.

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