Dimensions for Measuring Financial Inclusion in the Rural Areas of Tamil Nadu

Bhuvana, M.; Vasantha, S.

doi:10.17485/ijst/2016/v9i32/98663

Cited by 12 publications

(12 citation statements)

References 2 publications

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“…Currently, there is a huge need for banking in rural areas and with the government extending their support the number of banks will be increased in the near future [24]. The lack of access to financial services in few districts have been overcome through banking services and facilities need to be extended properly to those areas for the country's development [18]. The extension of the bank is directly proportional to rural upliftment.…”

Section: Review Of Literaturementioning

confidence: 99%

“…Various financial institutions adjoining the government have taken a wide range of initiatives to develop necessary infrastructure to facilitate the financial inclusion programme to the rural people [24]. The financial inclusion programme enlightens the financial decisions of the rural people and empowers them to invest their savings in appropriate platforms [18]. It will lead the government to consolidate the savings and ensure its multiple usage and ends with 'social inclusion' [5]…”

Section: Review Of Literaturementioning

confidence: 99%

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Effectiveness of Financial Inclusion and Rural Upliftment: Empirical Evidence from Tamil Nadu

Shankar¹,

Jeyaprabha²

2022

ujaf

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Financial inclusion is the process of confirming access to financial services and adequate credit at timely, wherever required by vulnerable groups such as low income groups and weaker sections at a reasonable cost. Financial inclusion programme primarily emphasizes on offering secured financial solutions to the underprivileged segments of India without any signs of inequality and unbiased treatment. The main objective of the study is to examine the effectiveness of financial inclusion and rural upliftment with empirical evidence from Tamil Nadu. This research study is descriptive in nature, and target audiences are residing in Tamil Nadu region. Secondly, the sample size of this study represents 480 citizens, and the sampling method adopted is non-probability sampling using judgmental sampling method which is used for the target population. The Likert five-point rating scale questions are used for collecting the data through structured questionnaire. The findings revealed that the intensity of financial inclusion has improved over the years across different districts of Tamil Nadu but majority of districts still fall under the medium inclusion in rural area category. In this research study, it is suggested that financial inclusion generates economic progress and prosperity that drive activities among standard of living increasing across all segments of the society. This result shows that financial inclusion programme is potential and capable to transform the face of the state Tamil Nadu and it travels continuously towards upliftment of each and every individual without a doubt. The future research may consider more dimensions of financial inclusion like perception, engagement, empowerment of citizens and comparative study on different financial inclusion schemes at different regions, as this study is restricted to only (rural upliftment) financial inclusion.

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Section: Review Of Literaturementioning

confidence: 99%

Section: Review Of Literaturementioning

confidence: 99%

Effectiveness of Financial Inclusion and Rural Upliftment: Empirical Evidence from Tamil Nadu

Shankar¹,

Jeyaprabha²

2022

ujaf

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“…Bhuvana and Vasanth [10] shows that the Reserve Bank of India (RBI) has acknowledged that financial inclusion is a practice of distribute a financial services at a fair cost to the rural inhabitants. The financial services such as on time credit facilities and easy to get a financial products and services like small saving deposits reach the rural people.…”

Section: Literature Reviewmentioning

confidence: 99%

Analysis of Sources and Level of Penetration: Application of Factor and Discriminant Analysis

Selvakumar¹,

Siddique²,

Sathyalakshmi³

2017

IJMS

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The present research work is undertaken to analyse the sources of penetration and level of penetration. A Source of penetration is defined by actions a firm takes to communicate with end users, consumers and external parties. It covers the five subsets, such as advertising, sales promotion, direct marketing, personal selling and public relations. In this study, the researcher has applied the factor analysis to analyze the customers' opinion towards the sources of penetration. In order to analyze the sources of penetration and level of penetration, the researcher has used discriminant analysis. The result reveals that 18.6% of variables predict the level of penetration. Moreover, Advertising and Direct Marketing are the most important sources that discriminates the level of penetration.

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“…Financial inclusion is a state where individuals no longer have restricted access to existing financial services (Bhuvana & Vasantha, 2016;Kaur & Kapuria, 2020;Sharma et al, 2013). Babajide et al (2015) found that financial inclusion is an important driving factor for improvement of economic growth.…”

Section: Introductionmentioning

confidence: 99%

Digital Customer Protection: Mediator between Mobile Money Usage and Financial Inclusion

Budiyono

Sukamulja

2023

mem

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The development of technology in the 5.0 era, marked by the increase in internet usage, currently impacts people's habits in accessing financial services, such as mobile money usage. Therefore, it aligns with the government's vision to increase financial inclusion through mobile money usage to reduce poverty. However, Yogyakarta Province is a province with a poverty rate that exceeds the national average, and it is the highest in the Java region. In this regard, digital customer protection needs to be considered because mobile money usage carries a high risk to the security and privacy of user data. Therefore, this study aims to determine the role of digital customer protection in mediating mobile money usage and financial inclusion in productive age communities in Yogyakarta. This study applies the Sobel test by Baron and Kenny and the process method by Hayes. The result of this study shows that digital customer protection significantly mediates mobile money usage towards financial inclusion partially in productive age communities in Yogyakarta Province. With these results, it is expected that all parties should work together to increase mobile money usage to reduce poverty and help the government to achieve the welfare of the community.

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Dimensions for Measuring Financial Inclusion in the Rural Areas of Tamil Nadu

Cited by 12 publications

References 2 publications

Effectiveness of Financial Inclusion and Rural Upliftment: Empirical Evidence from Tamil Nadu

Effectiveness of Financial Inclusion and Rural Upliftment: Empirical Evidence from Tamil Nadu

Analysis of Sources and Level of Penetration: Application of Factor and Discriminant Analysis

Digital Customer Protection: Mediator between Mobile Money Usage and Financial Inclusion

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