Financial Inclusion, Inclusive Growth and the Poor

by Alok Ranjan Behera, Himanshu Sekhar Rout, Padmaja Mishra

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The term "financial inclusion" means a comprehensive and holistic process of ensuring access to financial services and credit by vulnerable and marginalised groups in the society. Inclusive growth means broad-based benefits to all sections of people. The Eleventh Five Year Plan (2007-12) envisioned inclusive growth as a key objective. Indias Twelfth Five Year Plan (2012-17) with its focus on Faster, More Inclusive and Sustainable Growth, has put the growth debate in the right perspective. Growth is inclusive when it creates economic opportunities, along with ensuring equal access to them. The concept inclusion should be seen as a process of including the excluded as agents whose participation is essential in the very design of the development process and not simply as welfare targets of development programmes. Indian economy has made rapid strides in the recent past. However, a sizeable section of the population continues to remain excluded from even the most basic opportunities and services provided by the financial sector.The present volume contains 12 scholarly papers — authored by experts in the field of finance and development policy — which provide deep insights into various aspects of financial inclusion and inclusive growth efforts in India.

ABOUT THE AUTHOR Himanshu Sekhar Rout

Himanshu Sekhar Rout was awarded Ph.D. in applied economics, M.Phil (A and A economics), M.A. (A and A Economics), M.A. (Public Administration) and M.Ed. from Utkal University, Bhubaneswar and APA from NIIT, Tezpur, Assam. He has attended 11 training programmes/short-term courses/summer schools/winter schools at various institutions like IIT delhi, Karolinska Institute Stockolm, IIT Kharagpur, IIT Kanpur, IGIDR Mumbai, IIM Kolkata, VVGNLI Noida, CSER Mumbai and CSS Surat. He has 12 years of teching/research experience in various organizations like Xavier Institute of Management, Bhubaneswar, Institute of Business Administration and Management, Bhubaneswar, Lal bahadur Shastri national Academy of Administration, Mussorie, Kendriya Vidyalaya Sangathan and Department of economics, Utkal university, Bhubaneswar. He is presently involved in both teaching and research at P.G. Department of economics, dr. SRK Government Arts College, (Government of Puducherry), Yanam, India. His areas of teaching and research interest include, economics, gender studies, rural development and tourism economics. He is a life member of Indian economic Association, Indian labour Economic Association, Indian Association of research in National Income and Wealth and orissa Commerce Association.