Financial Inclusion Growth and Governance

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This book highlights the importance of Financial Inclusion Growth and Governance, inalienably linked to each other and integral to fostering financial stability. Rapid Financial Inclusion will lead India to a trajectory of exponential economic growth with Equity allowing India to take its rightful place in the comity of nations and to take a leadership role in South and South East Asia and the world.

This is a collection of speeches and writings of the author which explore in depth the subject of Growth and Governance Financial Intermediation for all especially for women and the weaker, and most vulnerable sections. This insightful and analytical book explores the many facets of the multiplier effect on economic growth which the possession of a Bank account and of being linked to mainstream financial institutions can have on the weak and vulnerable sections of society. It shows how this will help the poor, the weak, the vulnerable and the under served, build financial capability by accessing saving, credit, remittance, Insurance, and Transaction facilities at reasonable costs from the financial system, leading to sustainable, scalable, income generation allowing them to work their way out of poverty. It explores the moral and economic arguments for financial Inclusion which are both equally compelling. The book showcases the macro policies which have driven Financial Inclusion and brings out the importance of the Prime Ministers Jan Dhan Yojana as an effective delivery model. It explains how financial intermediation for the masses will help unleash the forces of economic growth. This book addresses an issue which has high priority on the National Agenda and will be a valuable source of reference on the subject for Economists, bankers, policy makers, teachers, civil society, multi lateral institutions engaged in development, civil servants, researchers, analysts, social scientists, and the thinking person. With this book the author has made another substantive contribution to the field of development 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.