Informatics Publishing Limited

Parimi Prabhakar ¹, Sangram Kishor Patel ², Niranjan Saggurti ²

Affiliations
1 Regional Office, India HIV/AIDS Alliance, Sarovar Center, Secretariat Road, Hyderabad, Pin: 500063, IN
2 HIV and AIDS Program, Population Council, 142, Golf Links, New Delhi, Pin: 110003, IN

Abstract

Background: Financial inclusions of marginalized key populations (e.g. female sex workers&men who have sex with men) have not been given appropriate attention in the government's programs in India. This study explores the financial inclusions status and main hindrances for accessing the financial services among key populations in undivided Andhra Pradesh.

Data and Methods: Data from a cross-sectional survey- the Behavioural Tracking Survey (BTS) -2014 conducted with key populations (e.g. FSWs (N=2400) and MSM (N=1200)), in undivided Andhra Pradesh state in India was used here. Frequency and bivariate statistical techniques were used here for the analysis.

Results: In Andhra Pradesh, just over one-thirds of FSWs and more than half the MSM do not have a bank account.The main reason for not having a bank account is lack of money or having too little money among key populations. A very few had managed to invest in microfinance institutions, global benefits groups/groups saving schemes and health/life insurance policies. Informal institutions are the preferred source for loans among key populations.

Conclusion: This study advocates for more support from government, NGOs, international agencies and financial institutions to enhance key populations' financial sustainability and a comprehensive financial inclusion among key populations.

Keywords

Financial Inclusion, Key Populations, FSWs, MSM, South India.

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Sangram Kishor Patel ¹, Laishram Ladusingh ²

Affiliations
1 International Institute of Health Management Research, Plot No. 3, Phase-II, Sector-18A, Dwarka, New Delhi 110075, IN
2 Department of Mathematical Demography and Statistics, International Institute for Population Sciences, Govandi Station Road, Deonar, Mumbai 400088, IN

Abstract

This paper tries to study the impact in terms of loss and change of work as a result of onset of disability among working adult population of 15 to 60 years in India. Adjusted values reveal that around 40 per cent people have lost their work while only 18 per cent are able to change their work on the onset of disability. Persons having mental, visual and multiple disabilities as well as those who are severely disabled have higher chances of losing their work. We recommend to save the disabled persons from the economic distress by provision of alteration of work or given more breaks in job. There is also a need for a national network of vocational training centres for imparting knowledge and skill which will help them to remain economically active after the onset of disability also.

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