Economic Analysis of Financial Inclusion of Rural Households through Institutional Credit in India
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Financial inclusion of rural households to institutional credit system has been recognized as an effective method for ensuring balanced economic progress in developing countries especially in India. A series of initiatives have already been put in operation by government of India for achieving full financial inclusion. An attempt has been made in this paper to assess the performance of the financial inclusion on economic perspective and delineated the factors influencing the financial inclusion. The economic impact of financial inclusion from both borrowers and lenders perspectives were analyzed in this paper based on secondary data available from different published sources. The analysis was established the positive impact of financial inclusion. Initiatives on micro finance, improvement in infrastructure relating to banking, spread of bank branches and education level were identified as the major determinants of financial inclusion.
Abstract
Financial inclusion of rural households to institutional credit system has been recognized as an effective method for ensuring balanced economic progress in developing countries especially in India. A series of initiatives have already been put in operation by government of India for achieving full financial inclusion. An attempt has been made in this paper to assess the performance of the financial inclusion on economic perspective and delineated the factors influencing the financial inclusion. The economic impact of financial inclusion from both borrowers and lenders perspectives were analyzed in this paper based on secondary data available from different published sources. The analysis was established the positive impact of financial inclusion. Initiatives on micro finance, improvement in infrastructure relating to banking, spread of bank branches and education level were identified as the major determinants of financial inclusion.
참고문헌 (12)
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- Annual Report, National bank for Agriculture and Rural development, "NABARD", Mumbai, ~ (2009)
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- Microfinance for Rural People An Impact Study, National Bank for Agriculture and Rural development, "Puhazhendhi, V.", Mumbai, ~ (2001)
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- Annual Report, Reserve Bank of India, "RBI", Mumbai, ~ (2008)
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