This book covers the various aspects of Credit Delivery and Financial Inclusion with a focus on the mechanisms evolved in purveying the rural credit through multi-agency systems, process involved in strengthening the rural financial institutions with appropriate policy measures and credit requirements of the North Eastern Region keeping in view the Government of India’s policy on Look North East and lessons learnt from microfinance institutions resulting in corrective policy measures based on recommendations of various committee reports. It is said that failures are the pillars of success; the book has described Rural Finance, Infrastructure and Micro credit failures. It has addressed rural development, micro insurance and micro-credit challenges.
The Pradhan Mantri Jan-Dhan Yojana is based on the core of development philosophy of "Sabka Sath Sabka Vikas". Its specific objective has been documented in this book. This book will be of much help to the students, teachers, researchers, economists, planners, policy makers, financial institutions, NGOs and others who are directly or indirectly benefited with the programme.
Contents: Section I: Credit Delivery and Financial Inclusion. 1. Rural credit: revised strategies and processes. 2. Strengthening of rural financial institutions. 3. Analysing credit needs for the North Eastern region. 4. Credit delivery and financial inclusion. 5. Lessons from microfinance institutions. Section II: Rural Finance, Infrastructure and Micro Credit Failures. 6. Development of rural financial markets. 7. Micro-finance sector-need for an enabling environment. 8. Rural infrastructure and its development fund: a road map for performance. 9. Infrastructure: performance, attitude and targeting. Section III: Rural Development, Micro Insurance and Micro-Credit Challenges. 10. Rural Godown under capital investment subsidy scheme-an assessment. 11. Micro-credit summit campaign and millennium development goals-a review. 12. Rural micro-insurance-a parametric approach. 13. National Rural Employment Guarantee Act (NREGA)-a critical analysis. 14. Supply chain for micro-credit. 15. The game-changer: Pradhan Mantri Jan-Dhan Yojana (PMJDY). Bibliography.
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