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Buragohain, Tarujyoti
- State of Life of Scheduled Castes and Scheduled Tribes in India
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1 National Council of Applied Economic Research, Human Development Programme Area, 11 I.P. Estate, New Delhi 110 002, IN
1 National Council of Applied Economic Research, Human Development Programme Area, 11 I.P. Estate, New Delhi 110 002, IN
Source
Artha Vijnana: Journal of The Gokhale Institute of Politics and Economics, Vol 43, No 1-2 (2001), Pagination: 63-83Abstract
This paper presents the levels of household income and material well-being among Scheduled Castes, Scheduled Tribe and landless wage earners in rural India. Income differentials have been estimated from the NCAER's Human Development Indicator 1994 data set, for landowners, the landless and landless wage earners among Scheduled Castes, Scheduled Tribes and other category (not including Scheduled Caste and Tribes). Among Scheduled Caste and Tribes, landholding households have a much lower level of household income than the national average. This implies that a large proportion of households among Scheduled Castes and Tribes own a very little amount of land. The household income of landless others is much higher than the household income of landless among Scheduled Castes and Tribes. However, the income differentials are least among landless wage earners irrespective of caste. Among landless others only 42 per cent are wage earners, compared to 63 per cent among Scheduled Castes and Tribes. Agricultural and allied activities contribute 56 per cent of ousehold income among Scheduled Tribes. However, the landless wage earners derive only 2.8 per cent of income from this very important source of income. Landless wage earners receive a total of 92 per cent of their income from wages out of agricultural as well as on agricultural wage work. Work participation rate (an indication of employment stress in the Indian Context) is much higher among landless wage earners or compared to that among Scheduled Caste, Scheduled Tribe, and all of rural India. It must be reiterated that land is the main asset for a decent living in rural India. But the number of landless households is increasing over time more so among Scheduled Caste. As much as 63 per cent of Scheduled Castes own land less than one hectare, compared to all-India rural average of 46 per cent and 43 per cent among Scheduled Tribes.- Financial Inclusion and Its Impact on Economic Growth: Evidences from State-Level Data
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Authors
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1 National Council of Applied Economic Research, New Delhi, IN
1 National Council of Applied Economic Research, New Delhi, IN
Source
The Microfinance Review, Vol 10, No 1 (2018), Pagination: 25-35Abstract
In this paper, an attempt has been made to assess the extent of financial inclusion in India and its relationship with economic growth. Between 1991 and 2015, penetration of bank branches doubled in all the states. The deposit-income ratio was observed to be less than one in all states except in Maharashtra, Karnataka, Delhi, Chandigarh and Goa, implying a low level of utilisation of banking services in major parts of the country. The regression analysis using state-level data indicated that penetration of bank branches was the most important variable influencing growth of gross state domestic product (GSDP). A percentage change in bank branches was observed to bring about 0.49% change in the real GSDP. The bank credit also significantly influenced growth of GSDP. A percentage change in credit would contribute 0.26% change in GSDP. Similarly, a percentage change in Automated Teller Machine (ATMs) penetration will contribute 0.25% to the real GSDP growth.Keywords
Commercial, Bank, Financial, Inclusion, Banking, Outlet.References
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