Financial Access of the Urban Poor in India A Story of Exclusion
This book focuses on the issue of financial exclusion with particular reference to the urban informal sector in India. Continuing the work of its predecessor, the current Government of India is also placing considerable importance on driving policy initia
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Meenakshi Rajeev B.P. Vani
Financial Access of the Urban Poor in India A Story of Exclusion 123
SpringerBriefs in Economics
More information about this series at http://www.springer.com/series/8876
Meenakshi Rajeev · B.P. Vani
Financial Access of the Urban Poor in India A Story of Exclusion
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Meenakshi Rajeev Centre for Economic Studies and Policy (CESP) Institute for Social and Economic Change (ISEC) Bangalore India
B.P. Vani Centre for Economic Studies and Policy (CESP) Institute for Social and Economic Change (ISEC) Bangalore India
ISSN 2191-5504 ISSN 2191-5512 (electronic) SpringerBriefs in Economics ISBN 978-81-322-3710-5 ISBN 978-81-322-3712-9 (eBook) DOI 10.1007/978-81-322-3712-9 Library of Congress Control Number: 2016963305 © The Author(s) 2017 This work is subject to copyright. All rights are reserved by the Publisher, whether the whole or part of the material is concerned, specifically the rights of translation, reprinting, reuse of illustrations, recitation, broadcasting, reproduction on microfilms or in any other physical way, and transmission or information storage and retrieval, electronic adaptation, computer software, or by similar or dissimilar methodology now known or hereafter developed. The use of general descriptive names, registered names, trademarks, service marks, etc. in this publication does not imply, even in the absence of a specific statement, that such names are exempt from the relevant protective laws and regulations and therefore free for general use. The publisher, the authors and the editors are safe to assume that the advice and information in this book are believed to be true and accurate at the date of publication. Neither the publisher nor the authors or the editors give a warranty, express or implied, with respect to the material contained herein or for any errors or omissions that may have been made. The publisher remains neutral with regard to jurisdictional claims in published maps and institutional affiliations. Printed on acid-free paper This Springer imprint is published by Springer Nature The registered company is Springer (India) Pvt. Ltd. The registered company address is: 7th Floor, Vijaya Building, 17 Barakhamba Road, New Delhi 110 001, India
Acknowledgements
This book is an outcome of our project on the same theme funded by CAFRAL, RBI, Mumbai. Subsequently, we have made appropriate modifications to capture the most recent developments. We thank CAFRAL and the Reserve Bank of India for their support. We also thank ISEC for its support during the period of this project.
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Contents
1 Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 References. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 2 A Brief Review of Literature. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 2.1 Theoretical Argument for Financial Inclusion. . . . . . . . . . . . . . . . . . 7 2.1.1 Financial Intermediation and Information Asymmetry .
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