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Policy Implications for Financial Inclusion of Unskilled Labor Migrants: Insights from Goa

In: Current Issues in the Economy and Finance of India

Author

Listed:
  • Mridula Goel

    (BITS Pilani)

  • Saurabh Nayak

    (BITS Pilani)

Abstract

With increasing urbanization, IndiaIndia has been witnessing phenomenal domestic migration and the resultant surge in remittancesRemittances . The paper examines the case of using migrant remittancesRemittances as one of the key triggers to encourage financial inclusionFinancial inclusion . It also seeks to initiate a policy debate on the role that the State should be playing towards financial inclusionFinancial inclusion . The paper echoes the need for a business approach tailored to financial needs and behavior of the end user. In line with this, it attempts to assess the demandDemand side challenges faced by the banking sector in promoting financial services to the poor labor migrantsLabor migrants . It also tries to assess their willingness and ability to shift to mobile based platforms of financial inclusionFinancial inclusion . The paper presents its findings based on a primary survey conducted in the state of Goa which has been witnessing a considerable inflow of labor migrantsLabor migrants annually.

Suggested Citation

  • Mridula Goel & Saurabh Nayak, 2018. "Policy Implications for Financial Inclusion of Unskilled Labor Migrants: Insights from Goa," Springer Proceedings in Business and Economics, in: Aswini Kumar Mishra & Vairam Arunachalam & Debasis Patnaik (ed.), Current Issues in the Economy and Finance of India, chapter 0, pages 221-246, Springer.
    • Handle: RePEc:spr:prbchp:978-3-319-99555-7_14
    DOI: 10.1007/978-3-319-99555-7_14
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