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Access to Banking Services and Poverty Reduction: A State-wise Assessment in India

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  • Amit. K. Bhandari

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Abstract

Financial inclusion is the broad based delivery of banking and other financial services at affordable cost to the poorest sections of the society. In India, financial inclusion emphasizes to include maximum number of people under formal financial systems. The present study investigates the drive to financial inclusion in the form of the growth in bank accounts of scheduled commercial banks and the changes in below poverty line population. The result suggests that the growth in bank accounts is not significantly associated with the reduction in below poverty line population across states. As a poverty reduction strategy, developing inclusive financial systems should give priority, which is financially and socially sustainable. [IZA DP no.4132]

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  • Amit. K. Bhandari, 2009. "Access to Banking Services and Poverty Reduction: A State-wise Assessment in India," Working Papers id:2070, eSocialSciences.
  • Handle: RePEc:ess:wpaper:id:2070
    Note: Institutional Papers
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    Cited by:

    1. Swamy, Vighneswara, 2011. "Does Government Intervention in Credit Deployment Cause Inclusive Growth? – An Evidence from Indian Banking," MPRA Paper 48100, University Library of Munich, Germany.
    2. Saibal Ghosh, 2012. "Determinants Of Banking Outreach: An Empirical Assessment Of Indian States," Journal of Developing Areas, Tennessee State University, College of Business, vol. 46(2), pages 269-295, July-Dece.
    3. Das, Khanindra Ch., 2009. "Access to Finance and Its Association with Development in Rural India," MPRA Paper 20033, University Library of Munich, Germany.
    4. Risikat Oladoyin S. Dauda & Kayode, O. Makinde, 2014. "Financial Sector Development and Poverty Reduction in Nigeria: A Vector Autoregression Analysis (1980-2010)," Asian Economic and Financial Review, Asian Economic and Social Society, vol. 4(8), pages 1040-1061, August.
    5. Swamy, Vighneswara, 2010. "Bank-based Financial Intermediation for Financial Inclusion and Inclusive Growth," MPRA Paper 47510, University Library of Munich, Germany.

    More about this item

    Keywords

    India; banking; poverty; poverty reduction; financial inclusion;

    JEL classification:

    • G24 - Financial Economics - - Financial Institutions and Services - - - Investment Banking; Venture Capital; Brokerage
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • I32 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - Measurement and Analysis of Poverty

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