Download or read book Change in Financial Literacy in Punjab and Haryana Post Financial Inclusion Schemes written by Ravisha Chutani and published by . This book was released on 2016 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial literacy has become increasingly important over the past decades. There is a growing belief that the individual would need to become more self-reliant in the future. Increased competition and more complex products in the financial services industry leave many people ill-equipped to cope with the sophisticated choices they may need to make. While defining Bhartiya Model of Financial Literacy, Purohit. H (2015) in his new model of financial literacy in Indian context on Ictpost said that Financial literacy can be defined as a small subset of Purusharth which though cannot be understood in isolation yet it deals with the financial knowledge, behavior, attitude, approach choice pattern, emotions, mindset and lifestyle keeping in view that Moksh (oneness with God) and not the material wealth is the top priority, for overall happiness of self, family, society, nation, world and the universe. There are several schemes which have been launched in India under financial inclusion like Pradhan Mantri Jan Dhan Yojana (PMJDY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Atal Pension Yojana (APY) so that people can have the knowledge and access to all these schemes. So there is a need that people should have the knowledge of financial products and services and also they should be financially included.NCFE conducted a survey before these schemes were launched, but the question is has the financial literacy improved now? This has to be researched.Furthermore, and most importantly, all the earlier studies have focused upon improving financial literacy using OECD (Organization for Economic Co-operation and Development) model but actually the studies need to take into consideration BMFL (Bhartiya Model of Financial Literacy) in evaluating and creating new knowledge for improving the financial literacy among people. Researches should also evaluate impact of post-financial inclusion schemes (launched by our Hon'ble Prime Minister Narendra Modi) on the financial literacy in the states of Punjab and Haryana.
Download or read book Handbook of Research on Socio Economic Sustainability in the Post Pandemic Era written by Ole?ski, Jozef and published by IGI Global. This book was released on 2023-08-18 with total page 426 pages. Available in PDF, EPUB and Kindle. Book excerpt: The COVID-19 pandemic intensifies underlying structural obstacles and systemic inefficiencies. However, it also provokes the accelerated adoption of innovations made possible by the already growing technological development, before being accompanied by necessary institutional and systemic adjustments. This leads to multidimensional crises, while also opening new socio-economic challenges and prospects globally. The Handbook of Research on Socio-Economic Sustainability in the Post-Pandemic Era engages global aspects of the crisis by means of standard and innovative economic policies at the national and international level. It confronts the challenges facing businesses and reveals models of effective transformations and strategies in the present circumstances. The book further investigates individual and collective societal challenges in light of sustaining our constantly upgrading humanitarian values in the 21st century. Covering topics such as fiscal adjustment measures, sustainable marketing, and state-society relations, this major reference work is a dynamic resource for government officials, sociologists, economists, business leaders, human resource managers, libraries, students and faculty of higher education, researchers, and academicians.
Download or read book PNB 128 Bharose Ka Prateek written by Former PNBians and published by Notion Press. This book was released on 2023-04-29 with total page 417 pages. Available in PDF, EPUB and Kindle. Book excerpt: Punjab National Bank which is going to complete 128 years in the service of nation is the largest Bank in the country after SBI. Success of any bank is a result of the leadership provided by the top management of the Bank and the commitment of its work force. PNB was fortunate to have a strong successive leadership and equally committed work force. The Book PNB@128 - Bharose Ka Prateek, is a Compendium of 128 plus articles penned by 128+ veterans including 70 CMDs/EDs/GMs of Punjab National Bank on subjects ranging from vision statements of the top leadership from time to time and their translation into visible impact on the ground, through the unique training and mentoring programs, personal anecdotes comprising of various success stories, situations requiring deft handling but with a human touch, of out-of-the-box thinking, of sourcing and pooling together the vast experience one has acquired to deal with a given situation, managing risk, IT and directing all efforts in positioning the Bank, second to none. Each tale told emanates from one’s own experience that happened years ago but the expression is testimony of the simplicity and honesty of purpose each writer prides in private. All these articles taken together is a treatise in practical bank management which transcend the curriculum of a B- school. This book is a must read for the present generation of bankers, seeking solution to day to day issues since the basics of banking remain the same while the age-old value system is non-negotiable. Past bankers can also relish the book while identifying themselves with the era gone by.
Download or read book Financial Inclusion in Emerging Markets written by Ananda S. and published by Springer Nature. This book was released on 2021-10-04 with total page 343 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book discusses ideas for stakeholders to develop strategies to access and use financial products and services such as deposits, loans, and fund transfer mechanism, insurance, payment services, and intermediaries, distribution channels at economical prices in order to cater to the needs of the poor and underprivileged people. Financial inclusion ensures ease of access, availability, and usage of the financial products and services to all the sections of the society. The book will help in recognizing the role of financial inclusion as one of the main drivers in reducing income inequality and thus supporting sustainable economic growth of the countries, especially of an emerging economy. The book provides conceptual and practical ideas from the practitioners, best practices from the experts, and empirical views from the researchers on the best practices and how to mitigate the challenges and issues plaguing the development of the financial inclusion.
Download or read book Banking Services for Everyone written by Thorsten Beck and published by World Bank Publications. This book was released on 2006 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: Using information from 193 banks in 58 countries, the authors develop and analyze indicators of physical access, affordability, and eligibility barriers to deposit, loan, and payment services. They find substantial cross-country variation in barriers to banking and show that in many countries these barriers can potentially exclude a significant share of the population from using banking services. Correlations with bank- and country-level variables show that bank size and the availability of physical infrastructure are the most robust predictors of barriers. Further, the authors find evidence that in more competitive, open, and transparent economies, and in countries with better contractual and informational frameworks, banks impose lower barriers. Finally, though foreign banks seem to charge higher fees than other banks, in foreign dominated banking systems fees are lower and it is easier to open bank accounts and to apply for loans. On the other hand, in systems that are predominantly government-owned, customers pay lower fees but also face greater restrictions in terms of where to apply for loans and how long it takes to have applications processed. These findings have important implications for policy reforms to broaden access.
Download or read book Improving Financial Literacy Analysis of Issues and Policies written by OECD and published by OECD Publishing. This book was released on 2005-11-10 with total page 181 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book describes the different types of financial education programmes currently available in OECD countries, evaluates their effectiveness, and makes suggestions to improve them.
Download or read book Current Affairs Manual 2019 written by Power Learning Team and published by Diamond Pocket Books Pvt Ltd. This book was released on 2018-03-10 with total page 177 pages. Available in PDF, EPUB and Kindle. Book excerpt: Giving this Nine Monthly manual, we all team members are very happy, as this will be very helpful to every aspirants in their current affairs norms, as well as for all competitive exams. This manual virtually is covering most of the current affairs related events from June 2017 Till Date. We have prepared this special manual keeping in mind that students need updated current affairs for several examinations like UPSC, State PSCs, Railways and other competitive examinations. We have prepared this manual in bullets with bold facts which eventually would be helpful for the students. This issue fulfills the need of a manual that will provide to students latest current affairs of the latest months in concise form. This issue covers Union Budget 2018-19, Economic Survey 2017-18, India State of Forest report -2017 and Census 2011 in easy format. In addition UP Budget 2018-19 is also included in briefs. In this manual Current affairs related to National, International, Sports, States, Science and Tech., Environment and ecology are also given. Apart from this more than thousand MCQs are given in this. Kindly send us your feedbacks and suggestions in order to make this magazine more meaningful and helpful. Wishing you all the luck for your brilliant future and bright success
Download or read book Economic Political Weekly 1966 1996 written by Institute for Studies in Industrial Development (New Delhi, India) and published by . This book was released on 1996 with total page 364 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Reaching Out written by and published by World Bank Publications. This book was released on 2005 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The authors (1) present new indicators of banking sector penetration across 99 countries based on a survey of bank regulatory authorities, (2) show that these indicators predict household and firm use of banking services, (3) explore the association between the outreach indicators and measures of financial, institutional, and infrastructure development across countries, and (4) relate these banking outreach indicators to measures of firms' financing constraints. In particular, they find that greater outreach is correlated with standard measures of financial development, as well as with economic activity. Controlling for these factors, the authors find that better communication and transport infrastructure and better governance are also associated with greater outreach. Government ownership of financial institutions translates into lower access, while more concentrated banking systems are associated with greater outreach. Finally, firms in countries with higher branch and ATM penetration and higher use of loan services report lower financing obstacles, thus linking banking sector outreach to the alleviation of firms' financing constraints. "--World Bank web site.
Download or read book Gendering the Massification Generation written by Emily F. Henderson and published by Taylor & Francis. This book was released on 2024-01-10 with total page 113 pages. Available in PDF, EPUB and Kindle. Book excerpt: Gendering the Massification Generation examines why young people from the same families and communities in India experience different decision-making processes regarding higher education access because of their gender. In India and other contexts where higher education is massifying, and gender parity of enrolment has been reached at undergraduate level, there are still many questions to be asked about gender and access to higher education. Based on an exploratory study of gendered higher education access and choice within the state of Haryana, India, the authors explore gender inequalities of higher education access and choice in the Indian context and connect this with the broader international phenomenon of widening participation. Through an in-depth analysis of the ‘massification generation’, where young people from relatively disadvantaged backgrounds are accessing higher education, often for the first time in their families and communities, readers are encouraged to apply a lens of social disadvantage and gender, and to recognise the norms and transgressions of femininity and masculinity in relation to higher education access and choice. With global implications for the ways in which gender is analysed and framed in widening participation research and policy, this is the ideal book for scholars, students and policy makers working on higher education, as well as researchers and NGOs specialising in gender, school-to-higher education transitions, international development, sociology and area studies.
Download or read book The Indian Economy Since 1991 Economic Reforms and Performance 2 e written by B. A. Prakash and published by Pearson Education India. This book was released on 2011 with total page 724 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Indian Economy Since 1991: Economic Reforms and Performance is the outcome of a collaborative effort by 28 experts who have made significant contributions in research toward the Indian economy. Using a data-based, analytical approach to key economic issues and problems, coupled with extensive coverage and a critical and in-depth analysis of the developments in all major sub-sectors of the Indian economy, this edited volume examines the impact of the reforms on various fronts such as economic performance, employment, unemployment, planning process, financial and fiscal sectors, external sector, agriculture, industry, infrastructure, health, education, poverty and federal finance since 1991.
Download or read book Financial Inclusion and Development written by Robert Cull and published by . This book was released on 2014-04-15 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book SSC General Awareness Topic wise LATEST 43 Solved Papers 2010 2017 2nd Edition written by Disha Experts and published by Disha Publications. This book was released on 2017-12-28 with total page 177 pages. Available in PDF, EPUB and Kindle. Book excerpt: The thoroughly revised & updated 2nd Edition of the book 'Topic-wise Solved Paper SSC General Awareness' consists of past solved papers of SSC CGL, 10+2 CHSL, Sub-Inspector, and Multi Tasking from 2010 to 2017. • The coverage of the papers has been kept RECENT (2010 to 2017) as they actually reflect the changed pattern of the SSC exams. • In all there are 43 Question papers from 2010 to 2017 which have been provided topic-wise along with detailed solutions. • Practicing these questions, aspirants will come to know about the pattern and toughness of the questions asked in the examination. In the end, this book will make the aspirants competent enough to crack the uncertainty of success in the Entrance Examination. • The strength of the book lies in the originality of its question papers and Errorless Solutions. The solution of each and every question is provided in detail (step-by-step) so as to provide 100% concept clarity to the students.
Download or read book Kurukshetra written by and published by . This book was released on 1975 with total page 654 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Education for Sustainable Development Goals written by Rieckmann, Marco and published by UNESCO Publishing. This book was released on 2017-03-20 with total page 67 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Welfare States and the Future written by B. Vivekanandan and published by Springer. This book was released on 2005-01-06 with total page 410 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume presents a thought provoking analysis of key welfare state issues engaging policy makers across the globe. It provides a unique and comprehensive evaluation of the state of welfare states- developed and developing. It maps the diversity of welfare regimes across the world and brings to fore the particularities and nuances that characterise them. The book also focuses on the on-going reforms and makes a powerful case for the increased relevance of the welfare state in a globalizing era.
Download or read book A Hundred Small Steps written by India. Committee on Financial Sector Reforms and published by SAGE Publications. This book was released on 2009-01-06 with total page 207 pages. Available in PDF, EPUB and Kindle. Book excerpt: While previous reports have focused solely on the ‘big’ issues like capital account convertibility, bank privatization, and priority sector norms, A Hundred Small Steps: Report of the Committee on Financial Sector Reforms goes deep into other areas where reforms are less controversial, but perhaps as important. The report argues that we need a change in mindset for the financial sector, one that recognizes that efficiency, innovation, and value for money are as important for the poor as they are for our new Indian multinationals, and these will come from improved governance, new entry and competition. Indeed the Committee believes that the road to making Mumbai an international financial centre runs through every village in India. The report is divided into separate self-contained chapters; the underlying theme behind all the proposals is the need to enhance inclusion, growth, and stability by allowing players more freedom, even while strengthening the financial and regulatory infrastructure. The role of the government is to create an enabling environment by building sound financial infrastructure. The Committee has focused primarily on broad principles and directions, without entering too much into details of implementation. It emphasizes three important reasons for financial sector reform: to include more Indians in the growth process; to foster growth itself; and to improve financial stability, flexibility, and resilience and thus protect the economy against the kind of turbulence that is affecting the world today. The Committee recognizes this is a difficult time to propose financial sector reforms in India. The near meltdown of the US financial sector seems to be proof that markets and competition do not work. This is clearly the wrong lesson to take from the debacle. The right lesson is that markets and institutions do succumb occasionally to excesses, which is why regulators have to be vigilant. The report argues for skilled regulators who encourage growth and innovation even while working harder to contain risks.
