https://padlet.com/dhawalpandey5/9g4cngoguovhxeju Made with a wish on a star en-us 2020-06-14 10:58:48 UTC 2025-11-11 08:32:46 UTC hello@padlet.com dhawalpandey5 https://padlet.com/dhawalpandey5/9g4cngoguovhxeju/wish/625791826 Srivastava and Sharma (2016) conducted a study entitled, “Financial Inclusion – A study of Rural Area of Udaipur district, Rajasthan”. The objectives of the study were to assess the banking habits among the people and to examine the financial services awareness among the households, residing in Udaipur district, Rajasthan. The study was based on descriptive research design; non-probability convenience judgemental sampling was used for the study. The sample comprised of 120 households (family decision makers) residing in rural areas of Udaipur city. Both primary and secondary data were collected for the study. The primary data were collected through interview schedule and secondary data sources used for developing theoretical base for both research reports and questionnaire design and it is collected through books, journals, websites, newspapers and official reports of Indian Government and RBI from time to time. Descriptive statistical tools like mean and standard deviation were used for data analysis. The results revealed that only 85 respondents had bank accounts and overall awareness of financial services was at an average level. Few services like deposit account, loan facility, life insurance and cattle insurance were commonly known to the households. The reasons behind such reflection were less family income and lack of formal financial institution in rural and remote areas. It was suggested in the study that there is a need to address the issues like education, income, financial literacy, bankers’ co-operation and customer relationship management etc. at the top priority so that the general mass may be included in the main stream of financial inclusion. ]]> 2020-06-14 11:19:02 UTC https://padlet.com/dhawalpandey5/9g4cngoguovhxeju/wish/625791826 dhawalpandey5 https://padlet.com/dhawalpandey5/9g4cngoguovhxeju/wish/625792704 Nandru, Anand and Rentala (2015) did a study, “Factors influencing Financial Inclusion through Banking Services.” The study aimed to investigate the factors that affect the usage of banking services in increasing financial inclusion in Pondichery region. The data for the research was based on individual level survey and collected through structured questionnaire from 200 people selected through convenience sampling method. Analysis of primary data using factor analysis and multiple regression analysis were employed to understand the relationship between dependent variable and other independent variables. Findings of the study revealed that most of the respondents showed interest regarding the usage of a few banking products namely education loan and the mortgage loan facility through bank which were found to be convenient to use. The results indicated that easiness in accessing bank products and purpose of opening bank account had significant influence on usage frequency of banking services. Physical distance of bank branch and convenience were not found to have significant impact on usage of banking services in the study. Information and communication technology (ICT) also seemed to have a significant impact on financial inclusion. It was suggested that banks can use findings of the study to revise appropriate strategy to increase financial inclusion status in various states. ]]> 2020-06-14 11:20:27 UTC https://padlet.com/dhawalpandey5/9g4cngoguovhxeju/wish/625792704 dhawalpandey5 https://padlet.com/dhawalpandey5/9g4cngoguovhxeju/wish/625793541 Garg and Agarwal (2014) wrote a paper entitled, “Financial Inclusion in India – a review of initiatives and achievements”. This research paper was prepared with the objectives, to find out the approaches, adopted by banks, steps taken by regulatory bodies and various government initiatives to achieve financial inclusion. Secondary data was used for present study and collected with the help of various research journals, articles, reports of RBI and NABARD and online resources. It was found that various measures were taken by banks, government of India, RBI for financial inclusion plan. Some approaches like product lead approach (No-frill accounts, KCCs, GCC, saving accounts with overdraft facility), regulator lead approach (simplified KYC Norms, simplified bank saving account operation, bank branch authorization), technology based application, (mobile bank, kiosk/ATM, ATM based banking, branchless banking, aadhar enabled payment services), knowledge based approach (financial education), bank led approach (SHG, BCs/BFs), government initiatives were introduced. ]]> 2020-06-14 11:21:38 UTC https://padlet.com/dhawalpandey5/9g4cngoguovhxeju/wish/625793541 dhawalpandey5 https://padlet.com/dhawalpandey5/9g4cngoguovhxeju/wish/625794594 Rajput and Oberoi (2013) have done an analytical study entitled “Reaching the Unreached: Financial inclusion in India – a study”. The objective of the study was to analyze the current status of financial inclusion in India. Secondary data for study was collected from reports, journals, NABARD auxiliary statements, state level committee reports of banks, census 2011, economic surveys and internet. Rotated principle component analysis had been used to compute an inclusive measure of financial inclusion for each state. Findings of the study revealed that the level of financial inclusion of the states in India had a near to the ground mean and high disparity. ]]> 2020-06-14 11:23:11 UTC https://padlet.com/dhawalpandey5/9g4cngoguovhxeju/wish/625794594