Social Banking: Promise, Performance and Potential provides an overview of the Indian banking scenario from both a historical and a theoretical perspective. It discusses the development of Social Banking, its working and its relevance for the present and the future. The book presents the contribution of banking institutions in promoting savings and investments and extending the reach of banking services. The author argues the case for large-scale Social Banking and microfinance for the alleviation of poverty. She also provides an extensive analysis of the remarkable traits that have made Social Banking a success in India and enabled the Indian banking system to reach millions of low-income savers and borrowers. It clearly demonstrates the tremendous potential embedded in well-designed institutional interventions. Through this book, Dr Deepali Pant Joshi has made an important contribution to the understanding of the performance of Social Banking in India and its potential for uplifting the weaker sections through viable enterprises. The author combines the professional expertise of a senior banker with the social commitment and analytical rigour of an economist. This book addresses an issue that has high priority on the national agenda and will be a valuable source of reference on the subject for bankers, policy makers, teachers and students of economics.
ABOUT THE AUTHOR Deepali Pant Joshi
Dr. Smt Deepali Pant Joshi holds M.A. an M.Phil. Degrees from the University of Allahabad, Fellow of the Harvard University Asia Center, also holds a Law Degree from University of Lucknow and Management Degree from IGNOU, New Delhi. She joined the Research Bank of India in 1981 as a Middle Management Executive. She has served in various capacities at several centres of the RBI and is presently Chief general Manager of Reserve Bank of India at Hyderabad. She has been actively engaged in policy work in the area of development economics through the last decade. She was a member of the Planning Commission, Xth Plan Working Group on Poverty and has served on several High Level Committees and Commissions. She has lectured extensively on Rural Development and banking at several Research/Management Institutions/Universities both in India and abroad and was invited to address the Asia Society at New York. She has travelled extensively in South East and Participated in an International Monetary Fund. She has assisted in interactions with several Parliamentary Standing Committees on Agricultural and Rural Development. She has contributed several article on poverty/gender issues and microfinance, which have been published in journals both in India and abroad. She has written for the Economic and Political Weekly, Yojana, Prajnan, Indian Journal of Agricultural Economics Review and the Financial Express. Dr. Smt. Joshi is married to Shri Rajeev Joshi, who is a Management Consultant. They have two sons Paritosh (19) and Kunal (14). They live at Hyderabad.
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