Promoting Financial Inclusion - United Nations Development ...

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References Bansal Yeshu & Srinivasan N., June 2009. Article in CAB Calling “Business Correspondents and Facilitators: The story so far” BCSBI, August 2009. “Code of Bank’s Commitment to Customers” CGAP, 2003, “Micro insurance: A Risk Management Strategy” Chakravarti A, “e-Financial inclusion: Towards Accelerating Inclusive Society Goals using ICT” Dr Chakrabarty KC, DG, RBI. Keynote address at the review meet on “Implementation of Revival Package for Short Term Rural Cooperative Credit Structure” organized by National Federation of State Cooperative Banks at New Delhi. Dr Chakrabarty KC, DG, RBI. Keynote address on “Furthering Financial Inclusion through Financial Literacy and Credit Counselling”. Dr Chakrabarty KC, DG, RBI, 2009. Keynote address at 20 th SKOTCH Summit on “Financial deepening by putting Financial Inclusion Campaign into Mission Mode” Dr Mamun Z, 2007, “Contribution of Micro Insurance Augmenting the poverty alleviation role of micro fi nance: A case study of Bangladesh” Dr Subbarao D, Governor, RBI, Dec 2009. Keynote address on “Financial Inclusion: Challenges and opportunities” at the Bankers Club in Kolkata. Economic times Banking technology Conclave, 2010 “Technology in Banking: An Instrument for Economic Growth” IRDA 2009. “Annual Report 2008-9” M-CRIL (Sinha S and Sagar S), 2008, “Micro insurance regulation in the Indian landscape”. M-CRIL, 2009. “Will Reforms Enable Outreach”, M-CRIL Review of Rural Banking in India: Working Paper 1. Ministry of Finance, Dept. of Economic Affairs, Banking Division, 2005-6. “Package for Revival of Short term Rural Cooperative Credit Structure” Mohanty Deepak, ED, RBI, Jun 2010. Speech at the Banker’s Club, Kolkata. MoSPI, GoI, NSS 59th Round, 2003. “Indebtedness of Farmer Households” NABARD, Jan 2008. “Report of the committee on fi nancial inclusion”. NABARD, 2008-9. “Status of Microfi nance in India” NABARD, 2009.“Occasional Paper 48, “Financial Inclusion – an overview” NABARD, “Distribution of Micro insurance products in India” NAFSCOB, 2009. “Performance of PACS, 1 April 2008 to 31 March 2009” Planning Commission, Sep 2008, “A Hundred small steps: Report of the Committee on Financial Sector Reforms.” RBI, 2008, “Financial Literacy and Credit Counselling Centres” RBI, 2008, “Report on Currency and Finance” RBI 2009, “Trends and Progress of Baking in India- 2008-09” 76 PROMOTING FINANCIAL INCLUSION
RBI, 2009, “Financial deepening by putting Financial Inclusion Campaign into Mission Mode” RBI, 2009, “Financial Inclusion by Extension of Banking Services – Use of Business Correspondents (BCs)” RBI Annual Report 2009-10 RBI, July 2009, A presentation by Dr KC Chakrabarty, Deputy Governor, RBI on “Pushing Financial Inclusion-Issues, challenges and way forward” at 20 th SKOTCH Summit, 2009. RBI, August 2009, “Report of the working group to review the Business Correspondent Model”. RBI, August 2009, “Report of the Working Group to Review the Business Correspondent model” RBI, July 2010. Master Circular “KYC norms/ Anti-Money Laundering (AML) standards/ Combating of Financing of Terrorism (CFT)/ Obligation of banks under PMLA, 2002” RBI, September 2010, “Financial Inclusion by Extension of Banking Services” Sa-Dhan, 2010. “A Quick Review, 2010: Financial Performance of Indian MFIs” Samantara S, 2010 “Kisan Credit Cards-A Study” Sarma, M., August 2008. “Index of Financial Inclusion”, ICRIER Working Paper Srinivasan N, 2008, 2009 &2010. “Microfi nance India State of the Sector report” Thayagrajan S and Jayaram V, “Cost Benefi t and Usage behaviour Analysis of No Frills Accounts: A Study Report on Cuddalore District” Thorat Usha, DG, RBI, Sep 2010. Keynote address at a panel session on “Setting New Paradigm in Regulation” at the FICCI-IBA Conference on ‘Global Banking: Paradigm Shift’. World Bank, 2008. “Finance for all? Policies and pitfalls in expanding access” World Bank, 2008. “World Development Indicators” World Bank, 2010. “Getting Finance in South Asia”, Kiatchai Sophastienphong, Anoma Kulathunga WEB REFERENCES IRDA website, www.irda.gov.in NABARD website, www.nabard.org NAFSCOB website, www.nafscob.org RBI website, www.rbi.org.in Social Performance Task Force. www.sptf.info PROMOTING FINANCIAL INCLUSION 77
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Disclaimer: FICCI The information a
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Please contact FICCI at: E-mail: fi
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4.13 Conclusions - inclusion constr
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to this study is greatly acknowledg
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FITF FLCC FMCG FSM GCC GoI HDI ICAI
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x EXECUTIVE SUMMARY
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metropolitan centres so this does n
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• Historical problems such as the
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FIGURE Yields in the Banking System
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1 Background Inclusive economic gro
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financial services as it has implic
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• Providing financial services ac
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The analysis of region-wise credit
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…WHILE PROGRESS UNDER OTHER GOVER
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The contribution of SBLP to financi
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provide remittance services due to
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terms of number of borrowers, the S
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4 The Policy Conundrum - Is It Prud
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BCs. These BCs have been able to op
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4.3 MICRO-INSURANCE REGULATIONS 14
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crore as grant support for promotio
Page 45 and 46: IMPROVING THE QUALITY OF MANAGEMENT
Page 47 and 48: norms. However, the banks still nee
Page 49 and 50: at the prime lending rates of banks
Page 51 and 52: exchange, loan products and card pr
Page 53 and 54: prefer to transact with banks only
Page 55 and 56: use of smart cards, mobile technolo
Page 57 and 58: • Limited number of FLCCs: One of
Page 59 and 60: savings, and this has ultimately af
Page 61 and 62: 6 The Way Forward The Government of
Page 63 and 64: price for those provided services o
Page 65 and 66: Case Studies of Financial Inclusion
Page 67 and 68: each located at least 1-2 km apart
Page 69 and 70: Officer (CEO) with support from the
Page 71 and 72: course fee to successful candidates
Page 73 and 74: • Commission structure: The BC ag
Page 75 and 76: on a single card. In the field, the
Page 77 and 78: Box C.7 Field Visit Observations fr
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Page 81 and 82: convince new account openers to obt
Page 83 and 84: Annexes ANNEX 1: PRINCIPLES OF CLIE
Page 85 and 86: • Customers are informed of their
Page 87 and 88: Distance criterion Payment of commi
Page 89 and 90: Financial Inclusion Fund Promotion
Page 91 and 92: Package Key features Reforms in the
Page 93 and 94: Activities Amendments of rules and
Page 95: Activities Computerisation Status G
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