Download or read book Inclusive Finance and Inclusive Rural Transformation written by Calum G. Turvey and published by . This book was released on 2017 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book IFAD RESEARCH SERIES 10 Inclusive Finance and Inclusive Rural Transformation written by Calum G. Turvey and published by . This book was released on 2018 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper provides an overview of concepts, issues and research on the relationship between financial inclusion and inclusive rural transformation. When considering how the growth of demand for financial services is related to the broader processes of structural and rural transformation, the evidence shows that agricultural credit provides positive returns, but still with small farm and gender biases. Liberalization of financial markets may not have had the desired spillover effects into rural credit, so there may be justification for public intervention. Effective microcredit programmes might also need to be coupled with outreach and technical assistance in order to achieve desired goals and objectives. In addressing how innovations in rural finance contribute to making access to financial services and rural transformation more inclusive, the report focuses on demand relationships. Farmers who use credit have moderately inelastic to elastic demands. Policies that curb interest rates or otherwise lower the cost of credit may encourage credit demand. Research on risk rationing suggests a behavioural aspect to credit that needs to be considered. Policies that fail to consider collateral and risk may fail if risk-rationed farmers will either not borrow at all, or borrow less than optimal amounts of credit. Policies targeting inclusive finance for inclusive transformation should be targeted towards specific problems. If subsidies are required, they must be smart - in the sense of minimizing market distortions - and are best targeted towards lenders as incentives to increase loans in poverty or underserved communities, women borrowers and indigenous peoples. When markets fail, agriculture governments should consider state-run government-sponsored enterprises. Finally, agricultural lenders, including microfinance institutions, must reconsider their approach to disciplined savings and lending activities. Many farmers with credit demand will not borrow because the payment terms do not consider the risk or match the liquidity cycle of planting and harvesting.

Download or read book Inclusive Finance and Rural Youth written by Arianna Gasparri and published by . This book was released on 2019 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This working paper deepens the analysis on inclusive finance and rural youth through cutting-age research and new insights and approaches that have emerged over the years in the field. The overall narrative clearly documents the ways in which rural youth engage with the economy, policy and institutions and identifies the rapid changes occurring across the globe as well as the opportunities and challenges that young people living in rural areas encounter in their different livelihoods. Within this context, financial inclusion has gained attention as a key contributing factor to unlock the potential of rural youth in driving sustainable and inclusive rural transformation. This paper investigates how recent developments in this sector entail new opportunities for rural youth, and highlights persisting barriers that prevent rural youth from accessing financial and non-financial services, making the case for a market system approach to financial inclusion with specific attention given to digital finance"--Preliminary page.

Download or read book IFAD RESEARCH SERIES 51 Inclusive Finance and Rural Youth written by Arianna Gasparri and published by . This book was released on 2020 with total page 37 pages. Available in PDF, EPUB and Kindle. Book excerpt: This working paper deepens the analysis on inclusive finance and rural youth through cutting-age research and new insights and approaches that have emerged over the years in the field. The overall narrative clearly documents the ways in which rural youth engage with the economy, policy and institutions and identifies the rapid changes occurring across the globe as well as the opportunities and challenges that young people living in rural areas encounter in their different livelihoods. Within this context, financial inclusion has gained attention as a key contributing factor to unlock the potential of rural youth in driving sustainable and inclusive rural transformation. This paper investigates how recent developments in this sector entail new opportunities for rural youth, and highlights persisting barriers that prevent rural youth from accessing financial and non-financial services, making the case for a market system approach to financial inclusion with specific attention given to digital finance. The youth employment challenge is a global development priority. In many developing countries, high youth unemployment rates, significant proportions of working poor in vulnerable employment and economic disengagement together pose the risk of creating disaffection, driving migration, inciting social unrest and slowing progress toward development goals. The paper documents the increasing body of evidence about the positive link between financial inclusion and individual welfare, business creation and women's empowerment but also highlights the body of research that questions such a positive narrative, pointing out the lack of a sound and functional financial inclusion ecosystem.

Download or read book Evaluation for Inclusive and Sustainable Rural Transformation written by Oscar A. García and published by Routledge. This book was released on 2018-07-16 with total page 146 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written by a team of expert practitioners at the Independent Office of Evaluation of IFAD, this book gives an overview of evaluation practice at IFAD. It looks at how evaluation practice has evolved to reflect, respond to and inform changing expectations of development assistance. It reveals how evaluation products and methodologies have benefited from key reviews, revisions and lessons learned, and also how they have progressively strengthened IFAD’s capacity to assess its operations and better understand its results. The book concludes with reflections on some of the challenges that lie ahead, including how the independent evaluation function can continue to evolve to meet future challenges and enhance the impact of development initiatives on people’s lives. This valuable insight into practice will be of interest to researchers, practitioners and policymakers in development economics, development studies and rural studies.

Download or read book Financial Inclusion and Livelihood Transformation written by Srimoyee Datta and published by Springer Nature. This book was released on 2023-08-28 with total page 215 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explores the role and effect of Microfinance Institutions (MFIs) with different dimensions. It is being supported with strong empirical evidence into various parameters of MFIs directed towards inclusive finance and the transformation journey of livelihoods of its beneficiaries. It also incorporates empirical evidence with the perception of both beneficiaries and non-beneficiaries. Starting its journey toward the path of comprehending how MFIs make their footprint among the excluded population in the selected areas, it incorporates the different outcomes of MFI lending like credit utilisation patterns, income generation, and employability. As financial stability helps to break out the vicious cycle of poverty, this book emphasises the self-dependent element for the beneficiaries and their households. It addresses the important issue of the female counterparts in society. It shows how the MFIs work actively to generate female empowerment from multiple dimensions among the selected communities. It addresses key issues to consider for inclusive policy formulation, especially for backward communities in the backward areas and gives a realistic scenario of the MFI activities, their interactions with the respondents, the various outcomes, and areas for further developments, etc. This book is beneficial for academicians, researchers, and policymakers.

Download or read book The Global Findex Database 2017 written by Asli Demirguc-Kunt and published by World Bank Publications. This book was released on 2018-04-19 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.

Download or read book Innovation for Inclusive Rural Transformation in Developmental States written by Alexis Habiyaremye and published by . This book was released on 2020 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Financial Inclusion for Rural Development written by Rev. D. Sunder Reddy, 1st and published by . This book was released on 2021-05-15 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: A few words, before you begin to read the research papers of this Editorial Book on FINANCIAL INCLUSION AND RURAL DEVELOPMENT. It all began when we felt that rural development is the main focus of all the policies of various developments, framing to end poverty in all its forms everywhere as per the Sustainable Development Goals (SDGs) by 2030, to reduce at least by half the population of men, women and children of all ages living in poverty in all its dimensions and to implement nationally appropriate social protection systems and measures for all, including floors. By 2030, the nations should ensure that all men and women, particularly the poor and the vulnerable, have equal rights to economic resources, as well as access to basic services, ownership, and control over land and other forms of property, inheritance, natural resources, appropriate new technology, and financial services including microfinance.

Download or read book Social Protection and Inclusive Rural Transformation written by Carolina Trivelli and published by . This book was released on 2017 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Fostering Inclusive Rural Transformation in Fragile States and Situations written by Karim Hussein and published by . This book was released on 2017 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This paper seeks to answer three main questions: (i) What are fragile states and situations and how do they relate to issues of inclusive structural and rural transformation? (ii) In three selected case studies of diverse fragile situations (in the Democratic Republic of the Congo, the Republic of Haiti and the Republic of the Sudan--drawing on IFAD financed programme and country experience), what have been the key elements of structural and rural transformation and to what extent has rural transformation been inclusive? (iii) In these cases, how does fragility affect the inclusiveness of rural transformation? Which policies and approaches can successfully promote inclusive rural transformation in fragile situations? This paper focuses on the relationships between fragile states and situations and structural and rural transformation in different contexts, and the degree to which inclusive rural transformation can be observed, understood and fostered in such situations. It provides an overview of the relationship between fragility and structural and rural transformation, and then proposes a focus on fragile situations rather than on fragile states. It identifies key issues that affect inclusive rural transformation in a diversity of fragile situations, considering short-term and long-term dynamics."--Page 4.

Download or read book Towards digital inclusion in rural transformation written by Hernandez, K. and published by Food & Agriculture Org. [Author] [Author]. This book was released on 2024-05-09 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt: The rapid and ongoing digital transformation of government, economic, and social sectors holds immense potential to improve outcomes across the SDGs for smallholder farmers and rural communities more generally. [Author] However, it is also widely recognized that digitalization alone does not guarantee inclusion. [Author] Rural residents and marginalized groups have the most to gain from digitalization but are also the most at risk of falling further behind due to digital divides. [Author] The resulting paradox may leave rural development actors unsure about how to best approach rural digital transformation. [Author] This report helps rural development practitioners and decision-makers work through this paradox. [Author] It does so by highlighting the factors that lead to digital exclusion, providing evidence regarding how digital divides play out, and providing recommendations on how to improve digital inclusion for rural areas and marginalized groups. [Author]

Download or read book Financial Inclusion of Small Rural Producers written by Francisco G. Villarreal and published by UN. This book was released on 2017 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: There is mounting empirical evidence that the responsible provision and use of formal financial services have a positive impact on household well-being and enterprise performance. At the individual level, financial inclusion benefits rural households and small producers by facilitating the safe accumulation of assets, enabling them to leverage those assets in order to invest in human and physical capital, and supporting better risk management. The positive effects at the aggregate level are associated with better allocation of scarce resources among different activities. Despite recent progress on different aspects of financial inclusion in Latin America and the Caribbean, large gaps remain, especially in rural areas, which have been historically neglected by traditional providers of financial services. This book describes how these gaps have evolved recently in five countries --Costa Rica, the Dominican Republic, El Salvador, Honduras and Mexico-- that are at different stages of designing and implementing comprehensive financial inclusion strategies. Then, on the basis of a comparative analysis of the institutional architecture available, it identifies the main barriers preventing small rural producers from accessing and making effective use of the various financial services on offer, with a view to making policy recommendations for overcoming these limitations.

Download or read book Financial Inclusion and Inclusive Growth written by K. Gangadharan and published by . This book was released on 2012 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Inclusive growth has been the catch word for most of the developing countries of the world to attain equity, justice. One of the more impressive aspects of India's growth story relates to the expansion of the banking infrastructure. Since 1969, India's banking network has grown tenfold from 8,000 branches to 80,000. However, it is a sad reality that for all the impressive growth, nearly 40% of the households in India - many of them rural - do not have a bank account. The exclusion of vast segment of the population - comprising mostly marginal farmers, agricultural workers, and casual laborers - is perceived as an impediment to inclusive growth. Additionally, financial apartheid is still haunting vast segments of the global community, especially in developing economies. This book highlights how financial inclusion culminates in inclusive growth. It portrays the scope and dimension of different financial inclusion strategies, and it looks at the role and potential of different agencies involved in financial inclusion, tackling the issues of financial exclusion in order to attain a target of inclusive growth.

Download or read book Inclusive Financial Development written by Ahmad, Ahmad H. and published by Edward Elgar Publishing. This book was released on 2021-10-19 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt: Inclusive Financial Development provides theoretical and empirical analyses of the nature of financial inclusion. The contributing authors explore the impediments to inclusion that exist around the world, the macro and stability implications, and the regulation dimension.

Download or read book Financial Inclusion and Rural Development written by and published by . This book was released on 2018 with total page 361 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Financial Inclusion for Poverty Alleviation written by Essam Yassin Mohammed and published by Routledge. This book was released on 2017-12-12 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: More than one billion people still live below the poverty line – most of them in South Asia and Sub-Saharan Africa. Financial inclusion is a major issue, as more than three-quarters of the numbers of poor and disadvantaged women and men do not have access to financial products and services, such as bank accounts, affordable and suitable loans, and insurance. The key objective of this book is to provide practical case studies of financial inclusion, rather than focus on academic debates such as the ideological basis of promoting microfinance. Using the recently adopted Sustainable Development Goals as an overall framing of the issues, it shows how poor and disadvantaged women and men can be bankable if the right facilitation for maximizing opportunities and addressing constraints are in place. Case studies confirm that achieving inclusive and sustainable access to financial products and services goes beyond simply enabling poor and disadvantaged women and men to have access to credit, or the ability to open a bank account. Examples from Africa, Asia and Latin America demonstrate encouraging progress in making microcredit accessible to millions of poor people. The foremost challenge, however, has been to ensure that they have access to, and usage intensity of, suitable and affordable financial products and services that meet the needs of their livelihoods as well as risks and mitigation strategies. This requires understanding that poor and disadvantaged women and men do not exist in isolation from complex and interdependent functions in the financial system, which includes a number of actors, diversified services, constraints (not just symptoms) and capacities and incentives. Overall, the book provides a rich source of examples of how building inclusive financial systems can empower the world's poor – by increasing income and employment opportunities, securing livelihoods and reducing poverty.