scholarly journals EVALUATION OF A NATIONAL LEVEL SCHEME FOR UPLIFTING RURAL POPULATION THROUGH FINANCIAL INCLUSION IN A DEVELOPING COUNTRY: EVIDENCES FROM RURAL INDIA

This study aims to understand the factors that encourage the people from rural background to access the banking Services offered under a financial inclusion scheme, with evidences from a developing country, India. Pradhan Mantri Jan Dhan Yojana (PMJDY), scheme launched by Government of India, has an objective of connecting the banking industry with the people residing in the remote areas of the country. The research is aimed to gauge the PMJDY’s accomplishments in terms of fulfilment of its objectives. The research helps in getting a ground level feedback of the financial inclusion schemes’ achievements and issues involved in its successful implementation. This study also explores the perceptions of the individuals regarding the benefits offered by the scheme. A field survey of 2446 respondents was conducted in Purvanchal region of Uttar Pradesh, India. The questionnaire was constructed based on the theoretical model built after an extensive review of literature in the field of financial inclusion. The results from the analysis indicate that the awareness about the scheme and support by authorities are the two major factors that contribute to the successful implementation of a financial inclusion scheme. Overall awareness and availing of banking services under PMJDY scheme has been initiated but not uniformly.

Author(s):  
Yusuf Noah ◽  
Olatunji Abdulganiy ◽  
Issah Moshood

Of the major factors of production, land is considered the most important. Land is such a valuable resources that the desire to acquire it has been a cause of struggle among the people virtually in all hitherto existing human societies. Land acquisition is influenced by numerous factors in which all play relevant roles in understanding the dynamics of land and its utilization among the people in the society. In Africa, foreign land acquisition has become a topical issue because of the richness of the African land resources, and the scamper for these resources has been a source of concern for many observers. This chapter analyzes the factors inhibiting foreign land acquisition in a developing country like Nigeria and examines the challenges posed by such practices to the attainment of sustainable development.


2017 ◽  
pp. 1476-1499
Author(s):  
Yusuf Noah ◽  
Olatunji Abdulganiy ◽  
Issah Moshood

Of the major factors of production, land is considered the most important. Land is such a valuable resources that the desire to acquire it has been a cause of struggle among the people virtually in all hitherto existing human societies. Land acquisition is influenced by numerous factors in which all play relevant roles in understanding the dynamics of land and its utilization among the people in the society. In Africa, foreign land acquisition has become a topical issue because of the richness of the African land resources, and the scamper for these resources has been a source of concern for many observers. This chapter analyzes the factors inhibiting foreign land acquisition in a developing country like Nigeria and examines the challenges posed by such practices to the attainment of sustainable development.


2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Anam Javeed ◽  
Muhammad Yar Khan ◽  
Mobashar Rehman ◽  
Asif Khurshid

PurposeThe aim of this study is to gather and analyse the information regarding the level of awareness and commitment of the public as well as the organizations of Pakistan pertaining to sustainable development goals (SDGs).Design/methodology/approachA sample of 500 respondents in total including employs and general public is selected for their opinion regarding SDGs. The data was collected by personal administration of questionnaires in organizations and general public. The data has been collected from federal and provincial capitals of Pakistan. The data has been analysed using Smart PLS and the hypothesized relationships have been tested using regression analysis.FindingsThe level of awareness as well as level of commitment towards the fulfilment of SDGs varies across the cities of Pakistan according to the business volume and their affiliation with the United Nations.Research limitations/implicationsThis study has been conducted in Pakistan only however a cross-country implementation of the framework and comparison would have yielded more in-depth facts.Practical implicationsThis study provides the policy makers with the ground-level data regarding the awareness and commitment of Pakistani organizations and public towards SDG fulfilment. A glance towards the attitudes of the people towards the subject could also be seen through this study. It could be further utilized and referred by other researchers for comparison with their own studies regarding SDGs.Originality/valueThis a comprehensive study conducted at federal and provincial level of Pakistan which has yielded ground realities towards the implementation of SDGs. The results could be used for policy making and planning at national level.


2016 ◽  
Vol 3 (1) ◽  
Author(s):  
Sunita Sharma

Financial inclusion is a national priority as it is an enabler for inclusive growth. It is important to take banking services to the unbanked and under banked areas, and to the people who are hitherto excluded and left to fend for themselves for their financial needs. In order to provide the much needed thrust to financial inclusion, a flagship programme called the ‘PradhanMantri Jan-DhanYojana’ (PMJDY) was announced by Honourable Prime Minister on 15th August 2014. This paper presents an overview of the scheme. An analysis of views of 50 customers covered under the scheme of State Bank of India is summarized, followed by concerns raised and the way forward.


Author(s):  
Anam Javeed ◽  
Muhammad Yar Khan ◽  
Mobashar Rehman ◽  
Asif Khurshid ◽  
Manzoor Ahmed Hashmani

Aim of this study is to gather information regarding the sustainability development goals from the public as well as the organizations of Pakistan. A sample of 500 respondents each from five main cities including employs and general public is selected for their opinion regarding sustainability development goal. The level of awareness as well as level of commitment towards the fulfilment of Sustainable Development Goals varies across the cities of Pakistan due to difference in literacy level. The commitment to achieve Sustainable Development Goals of the organizations across the selected cities varies according to the nature of the business, volume and the membership with the United Nations. This study provides the policy makers with the ground level data regarding the awareness and commitment of Pakistan based organizations and public towards SDGs fulfilment. A glance towards the attitudes of the people towards the subject matter could also be seen through this study. This a comprehensive study conducted at federal and provincial level of Pakistan which has yielded ground realities towards the implementation of SDGs. The results could be used for policy making and planning at national level and also serve as bench mark for other countries.


2020 ◽  
Author(s):  
Aman Basu ◽  
Ajishnu Roy ◽  
Amit Kumar Hazra ◽  
Kousik Pramanick

Around the world, almost all countries have sought to stop the spread of the 2019 novel coronavirus (Covid-19) by lockdown and quarantine protocols, implemented from local to the national scale. For every scientific development and policy implementation which comprehensively connects this pandemic, the event is not very sound about the extensive socio-economic impact ushered with this disaster. In this paper, using a combined qualitative-quantitative approach, Q method, we have tried to assess the peoples’ discernment from different perspectives. This work was done through questionnaire survey method, during the national level lockdown 1.0 in India. We have differentiated the perception of youth respondents into 7 factors taking 6 dimensions on Covid-19 pandemic (viz. science, society, environment, economy, politics and religion). This work yielded a firsthand ground level insight on the comprehensive but diverse responses from the youths and their opinion for Covid-19 pandemic in India. We are hopeful that this work might open new avenues to understand the people-Covid-19 connection, both for future research and policy implementation.


2018 ◽  
Vol 7 (2.20) ◽  
pp. 326
Author(s):  
Gowsya Shaik ◽  
Dr P. Raja Babu

Now a day, Financial Inclusion is delivering the banking services to the people at an reasonable price to all the huge sections for low revenue group. For achieving social benefits and objectives and also to obtain a desired economic development, RBI puts continues efforts for fulfilling the financial inclusion programme. In this direction several new initiatives were undertaken by the Government of India and it has given approval on financial inclusion plans (FIPs) for sustainable development of an economy. These are including opening bank branches, Overdraft facility for eligible accounts, transaction in Kisan Credit Cards, General Credit Card Accounts and transactions through the BC-Information Communication Technology (ICT) channel. The main objective of this research paper to know the strategy based financial inclusion and to find out the implementation and achievement of financial inclusion in India during the period of 2012-17. 


2020 ◽  
Vol 19 (2) ◽  
pp. 37-51
Author(s):  
Simon Thermadam

Financial inclusion, the process of ensuring access to financial services along with timely and adequate credit where needed by vulnerable groups, helps the weaker sections and low-income groups in different ways. With an active intervention of the government, a large number of the unbanked segments of the society could be included in various financial services in the last few years. As a result, the number of bank accounts has been increasing. Members from the marginalised groups, women, etc. are some of the direct beneficiaries of financial inclusion. By utilizing micro data of World Bank, ‘Global Financial Inclusion (Global Findex) Database 2017, the author observes that socio-economic factors, like educational level, age group, and employment have an important role in determining one’s access to banking services. But some problems arise when the account holders do not utilize the banking facilities properly, especially when a majority stays idle. Lack of money is still considered one of the major factors for a lack of interest in holding a bank account. The ownership of bank account by other members in the same family also stops many from opening a bank account. The government has to take active measures to solve these issues. Moreover, the remaining unbanked sections of the society have to be included in the financial services, by solving the various reasons cited.


2019 ◽  
Vol 5 (4) ◽  
pp. 691-712
Author(s):  
M. Mahbubi Ali ◽  
Muhammad Rizky Prima Sakti ◽  
Abrista Devi

This study measures Islamic financial inclusion index in Indonesia based on three dimensions, namely: the accessibility, the availability, and the usage of Islamic banking services. Additionally, it also measures the relationship between Islamic financial inclusion index and human development index. The study found that the level of Islamic financial inclusion in Indonesia is relatively low at a national level. DKI Jakarta is the most financially inclusive province in Indonesia, followed by East Java and Nanggroe Aceh Darussalam. In contrast, East Nusa Tenggara has the lowest average of Islamic financial inclusion index. The findings of the present study suggest that the policy makers and Islamic financial industry should play greater role in improving financial access to low-income segment especially in the Eastern part of Indonesia, such as East Nusa Tenggara and Papua provinces.    


2020 ◽  
Vol 6 (5) ◽  
pp. 1183-1189
Author(s):  
Dr. Tridibesh Tripathy ◽  
Dr. Umakant Prusty ◽  
Dr. Chintamani Nayak ◽  
Dr. Rakesh Dwivedi ◽  
Dr. Mohini Gautam

The current article of Uttar Pradesh (UP) is about the ASHAs who are the daughters-in-law of a family that resides in the same community that they serve as the grassroots health worker since 2005 when the NRHM was introduced in the Empowered Action Group (EAG) states. UP is one such Empowered Action Group (EAG) state. The current study explores the actual responses of Recently Delivered Women (RDW) on their visits during the first month of their recent delivery. From the catchment area of each of the 250 ASHAs, two RDWs were selected who had a child in the age group of 3 to 6 months during the survey. The response profiles of the RDWs on the post- delivery first month visits are dwelled upon to evolve a picture representing the entire state of UP. The relevance of the study assumes significance as detailed data on the modalities of postnatal visits are available but not exclusively for the first month period of their recent delivery. The details of the post-delivery first month period related visits are not available even in large scale surveys like National Family Health Survey 4 done in 2015-16. The current study gives an insight in to these visits with a five-point approach i.e. type of personnel doing the visit, frequency of the visits, visits done in a particular week from among those four weeks separately for the three visits separately. The current study is basically regarding the summary of this Penta approach for the post- delivery one-month period.     The first month period after each delivery deals with 70% of the time of the postnatal period & the entire neonatal period. Therefore, it does impact the Maternal Mortality Rate & Ratio (MMR) & the Neonatal Mortality Rates (NMR) in India and especially in UP through the unsafe Maternal & Neonatal practices in the first month period after delivery. The current MM Rate of UP is 20.1 & MM Ratio is 216 whereas the MM ratio is 122 in India (SRS, 2019). The Sample Registration System (SRS) report also mentions that the Life Time Risk (LTR) of a woman in pregnancy is 0.7% which is the highest in the nation (SRS, 2019). This means it is very risky to give birth in UP in comparison to other regions in the country (SRS, 2019). This risk is at the peak in the first month period after each delivery. Similarly, the current NMR in India is 23 per 1000 livebirths (UNIGME,2018). As NMR data is not available separately for states, the national level data also hold good for the states and that’s how for the state of UP as well. These mortalities are the impact indicators and such indicators can be reduced through long drawn processes that includes effective and timely visits to RDWs especially in the first month period after delivery. This would help in making their post-natal & neonatal stage safe. This is the area of post-delivery first month visit profile detailing that the current article helps in popping out in relation to the recent delivery of the respondents.   A total of four districts of Uttar Pradesh were selected purposively for the study and the data collection was conducted in the villages of the respective districts with the help of a pre-tested structured interview schedule with both close-ended and open-ended questions.  The current article deals with five close ended questions with options, two for the type of personnel & frequency while the other three are for each of the three visits in the first month after the recent delivery of respondents. In addition, in-depth interviews were also conducted amongst the RDWs and a total 500 respondents had participated in the study.   Among the districts related to this article, the results showed that ASHA was the type of personnel who did the majority of visits in all the four districts. On the other hand, 25-40% of RDWs in all the 4 districts replied that they did not receive any visit within the first month of their recent delivery. Regarding frequency, most of the RDWs in all the 4 districts received 1-2 times visits by ASHAs.   Regarding the first visit, it was found that the ASHAs of Barabanki and Gonda visited less percentage of RDWs in the first week after delivery. Similarly, the second visit revealed that about 1.2% RDWs in Banda district could not recall about the visit. Further on the second visit, the RDWs responded that most of them in 3 districts except Gonda district did receive the second postnatal visit in 7-15 days after their recent delivery. Less than half of RDWs in Barabanki district & just more than half of RDWs in Gonda district received the third visit in 15-21 days period after delivery. For the same period, the majority of RDWs in the rest two districts responded that they had been entertained through a home visit.


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