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Magesh Kumar, R.
- Financial Inclusion: An overview of Various Business Models in India
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Authors
Affiliations
1 Karunya School of Business and Leadership Management, Karunya University, Coimbatore, IN
1 Karunya School of Business and Leadership Management, Karunya University, Coimbatore, IN
Source
Asian Journal of Management, Vol 4, No 2 (2013), Pagination: 74-81Abstract
Financial Inclusion is a delivery of banking services and various financial products at an affordable cost to the lower segment of the people. There are still a vast majority of the people who are financially excluded in India. To embrace all the vast sections of the society particularly the poor people and low disadvantaged group of our country Government of India has taken various initiatives during the past years. The Reserve Bank of India (RBI) has therefore, framed the policy of Financial Inclusion with a view to bring in the financially excluded people who lack basic financial infrastructure within the fold of inclusive segment. The present study is an overview of various business models and highlights the need and importance of these emerging profitable models which are in need to be adopted by all banks and financial institutions towards Financial Inclusion in India.Keywords
Financial Inclusion, Financial Access, Financial Inclusion Models
References
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- Antecedents on Usage of Pradhan Mantri Jan Dhan Yojana (PMJDY) Accounts Among Rural Customers
Abstract Views :338 |
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Authors
Affiliations
1 Karunya (University) School of Management, Coimbatore, IN
1 Karunya (University) School of Management, Coimbatore, IN
Source
Asian Journal of Management, Vol 8, No 4 (2017), Pagination: 1237-1241Abstract
In August 2014, Government of India promoted a special scheme called as "Pradhan Mantri Jan-Dhan Yojana (PMJDY)" which is a national goal for financial inclusion. This national project has a determined goal of ensuring all the households in the country should have a bank account and access to all the financial services provided by the banks. This issue was addressed by the honorable prime minister stating that all those who are left out the banking system should be included by participating in opening this bank account. It in this context the researcher has attempted to study the objectives of the account opening and to analyze the transactional usage behavior of Pradhan Mantri Jan Dhan Yojana (PMJDY) accounts.Keywords
PMJDY, Financial Inclusion, No Frills Account.References
- Government of India (2008) “Report of the Committee on Financial Inclusion”, Chairman: Dr C. Rangarajan.
- Kempson, Elaine (2006) “Policy level response to financial exclusion in developed economies: lessons for developing countries”, Paper for Access to Finance: Building Inclusive Financial Systems, World Bank, Washington DC.
- Srikanth R. (2013) “A study on Financial inclusion – Role of Indian Banks in reaching out to the unbanked and backward areas”, International Journal of Applied Research and Studies, 2(9).
- Mohan and Rakesh. (2006) “Economic Growth, Financial Deepening and Financial Inclusion”, Retrieved from Address by Dr. Rakesh Mohan at the Annual Bankers' Conference, Hyderabad.
- Nitin Kumar, (2013) “Financial inclusion and its determinants: evidence from India, Journal of financial economic policy, Vol.5 (1), 4-19.
- Kunthai, R. (2014) A studies on PMJDY: A new drive towards financial inclusion in India, Zenith International Journal of Business Economics and Management Research, 4(11), 10.