THE ACCESSIBILITY AND THE USAGE OF BANKING SERVICES OF SCHEDULED CASTE HOUSEHOLDS

Registration ID: IJNRD_186630

Published ID: IJNRD2301329

: http://doi.one/10.1729/Journal.32812

Dr Jyolsna S., Dr Shaijumon C.S.

Financial inclusion, Financial services, Access to credit, Usage of banking services, Scheduled Castes

: The sustained development of a nation depends on the financial service coverage of all people. All sections of society must access financial instruments and institutions to attain inclusive growth. Therefore, the financial inclusion of Scheduled Castes (SCs) has always been a concern. RBI has periodically issued instructions or directions to banks about providing facilities to Scheduled Castes (SCs). This study aims to examine the access to and usage of banking services of Scheduled Caste (SC) households. The study conducted an empirical analysis by an extensive primary survey, covering 425 sample households in four Block Panchayats and one Municipality in the Pathanamthitta district of Kerala state (India) with the help of a detailed Interview Schedule. The study has found that most Scheduled Caste (SC) households still have very limited usage of financial services. Furthermore, the majority of these households are financially illiterate. Financial illiteracy is leading to financial discrimination, leading to financial exclusion and ultimately leading to financial exploitation. The study suggests improving financial literacy programmes by organizing a bank-linked Intensive Financial Literacy Campaign at least twice in a financial year.

Published Paper   E-Certificate

Dr Jyolsna S. & Dr Shaijumon C.S. (January-2023). THE ACCESSIBILITY AND THE USAGE OF BANKING SERVICES OF SCHEDULED CASTE HOUSEHOLDS. INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT, 8(1), d249-d255. http://doi.one/10.1729/Journal.32812

Volume 8 Issue 1, January-2023

Pages : d249-d255

Paper Reg. ID: IJNRD_186630

Published Paper Id: IJNRD2301329

Downloads: 000122034

Research Area: Social Science and Humanities 

Author Type: Indian Author

Country: Pathanamthitta, Kerala, India

Published Paper PDF: https://ijnrd.org/papers/IJNRD2301329.pdf

Published Paper URL: https://ijnrd.org/viewpaperforall?paper=IJNRD2301329

Crossref DOI: http://doi.one/10.1729/Journal.32812

Journal Name: INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT(IJNRD)

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