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Inclusion of Rural Poor through Financial Inclusion
The Indian banking industry has shown tremendous growth in the last few decades. As per 2011 census, the households availing of banking facilities in India is about 58.7 percent, in Tamilnadu, it is 14.48 crore and in Tirunelveli district, 23.41 percent and out of them, 18.06 percent belong to the rural mass, 30.09 percent belong to the urban mass. This scarcity of financial services leads this study highlighting the extent of financial exclusion and inclusion among the rural poor. The present study has been conducted among 500 sample respondents from Tirunelveli District who are being included in the organized channel of finance through financial inclusion measures. The statistical tools like Weighted Average Method, Factor Analysis was used to interpret the opinion of the respondents and the hypotheses were tested with the help of Chi Square. Financial inclusion is a win-win opportunity for the poor, for the banks and for the nation.
Keywords
Educational Loans, Financial Inclusion, Kisan Credit Cards, Mgnregs, Self Help Groups, Students, Unorganised Workers.
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