Financial Inclusion

The importance of an inclusive financial system is widely recognized in the policy circle in recent years and financial inclusion is seen as a policy priority in many countries. This book contains the seminar papers presented a seminar on 'Financial Inclusion − Aspects, issues and the Way Forward' organized by the Department of Business Management, Osmania University. The book will be useful to planners, policy makers, practitioners, academicians and researchers not only because of its topical relevance but also because of the scanty literature available in the topic. Financial Inclusion is about ensuring that everyone has access to appropriate financial services enabling them to manage their money on a day to day basis effectively, securely and confidently, plan for the future and cope with financial pressure by managing their finances to protect against short term variation in income and expenditure and take advantage of longer term variation in income and expenditure and take advantage of longer term opportunities and deal effectively with financial distress as finance has been recognized as a factor for growth and development. As banking services are in nature of public good it is essential that availability of banking and payment services to the entire population with out discrimination and is the prime objective of the public policy. Book Content of Financial Inclusion 1. 'Financial Inclusion - Aspects, Issues and the Way Forward' - Dr. V. Sudha 2. Financial Inclusion, Present Scenario and Rapid Penetration - Prof. K. Kalidas 3. An Overview on Financial Inclusion - T.V. Ravi Kumar 4. Financial Inclusion Aspect, Issues, and the Way Forward - A Report - E. Vinay & S. Samrat 5. Designing Complete Financial Inclusion - A. Ravi Prakash, S. Vijay Kumar, T. Shiva Kumar 6. Financial Inclusion in India - G. Paravathi & C. Lalitha 7. Assessment of Rural Financial inclusion in India - Mrs. Syed Tabassum Sultana 8. Financial Inclusion in India - Policty Perspective - Dr. S. Saraswathi 9. To exclude is easy, but to include is tough - An attempt to develop a model for financial inclusion for emerging economies - Shubhro Michael Gomes & M. Rameshwar Rao 10. Financial Inclusion - A Cost Perspective - Prof. S. Kasturi Rangan 11. A Path towards India's Future Economic Growth - Dr. S. Anitha Devi & S. Durga 12. 'Financial Inclusion - Its Challenges and Policy Initiative by Government of India and Reserve Bank of India' - Mohammed Younus 13. Outreach of SHG-Bank Linkage in India - A District-Level Analysis - Bibek Ray Chaudhuri 14. Financial Inclusion: Role of Microfinance - Dr. V. Vijay Durga Prasad & R. Satyanarayana 15. Financial Inclusion through Microfinance - Veenapani 16. Micro-Finance Institutions and Credit Accessibility to the Poor in Karnataka - Dr. Smitha Sambrani & Dr. Y. Jahangir 17. Role of Self Help Groups in Micro Finance - R. Radhika & Sushma R. 18. Financial Inclusion and Self Help Groups - Vandana S., Vani H. & N. Hemalatha 19. Financial Inclusion & Micro Financing for the Economic Development - B. Mohan Kumar & Y. Vinodhini 20. Financial Inclusion through Entrepreneurial Aspects - A Study of Select Villages in Khammam District - Dr. Jasti Ravi Kumar & Ms. D. Sujata 21. Developmental Assistance : A Pathway to Financial Inclusion - M. Madhavi & S. Pratibha 22. Financial Inclusion in India : Role of Banking System - Surendar Gade & Swapna D. 23. Financial Inclusion - The Role of Banks in India - Tatikonda Neelakantam, Vangaveeti Yugandhar, Soma Srinivas 24. Financial Inclusion : Role of Banks in India - Harsha Reddy 25. Rural Banking : A Development Tool for SSIs - Punit Kumar Dwivedi & Mehunkar Sanjay G. 26. Financial Inclusion and Outreach by RRBs in India - A Study - Mrs. K. Aparna & Dr. Rambabu Gopiseti 27. Assessment of Rural Financial Inclusion in India - Mrs. Syed Tabassum Sultana 28. Business Models for Financial Inclusion - T. Rekha Lakshmi 29. Conundrum of Global Financial Exclusion and need for ameliorating the Lot of Have NOTs - Dr. Megharaj, Prof. Prabhakar, Mr. C.Y.S. Krishna 30. Strategies for Building & Enhancing Capacities in Social Engineering : An Exploratory Framework for Deeper and Wider Financial Inclusion - Prof. A. Suryanarayana 31. Social Inclusion - A Prerequisite for Financial Inclusion - Bharat Bhushan Singh 32. Smart Card Technology & Financial Inclusion - Nagaraj Peddapalli & Prof. R. Nageswar Rao 33. Marketing of Financial Services in Rural Marketing - Role of Information Technology - Dr. R. Sampath Kumar 34. Role of Smart Cards in Financial Inclusion - Dr. Peddada Kameswari 35. Smart Living through Smart Cards - Mateen Ahmed Siddiqui, A. 36. Technology in Financial Inclusions - The Magic Mantra for Development - Rakesh J. 37. Financial Inclusion - The Role of IT in India - Tatikonda Neelakantam & Harinadh G. 38. SMART CARD - A Technological Approach to Financial Inclusion - Syeda Sara Azhar 39. Smart Card Technology - Is A Roadmap for Emerging Business and Interoperability - A.S. Kalyana Kumar 40. Technology of Smart Cards - The Engine for the Financial Inclusion - T.N. Nirmala Rani & Ms. Saritha 41. Smart Cards : Improve Trust and Reduce Costs - J. Suresh Reddy & Surayya Jabeen 42. Role of Technology in Addressing the Issues of Reducing Delivery Costs and Borrowing Costs - Dr. P. Sridhar & G. Arun Kumar 43. Empowerment as a Leadership Paradigm for Inclusive Development - A Concept Paper - Prof. a. Suryanarayana 44. Impact of Employee Engagement on Financial Inclusion - P.R.P. Rekha 45. The Role of HR in Financial Inclusion in India - Venkoba Rao 46. Inclusive Growth : The Role of Financial Education - B. Raghavendra & Dr. S.K. Ajmal Hussain 47. Strategies to Market Financial Products in Rural Areas - Dr. P. Ammani & Dr. P. Radhika 48. Housing as an Agent for Financial Inclusion - Mrs. N. Sravanthi 49. Indian Agricultural Farmers - From Debt to Death What is the need of the hour? - Mrs. K. Vijaya Lakshmi & Dr. S. Chandramouli 50. Falling Angels of Harvest - S. Anna Christina & Akshat Satyajit 51. Financial Inclusion - The Way Ahead - Mrs. Sawati Mathur & Mrs. Jayashree Patil-Dake 52. Financial Inclusion : Reach of Banking in India - Dr. V. Dheenadhayalan 53. A Special Focus on Role & Trends in the Growth of Services being offered by Banks / Others - Smt. U. Padmavathi