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INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT
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ISSN Approved Journal No: 2456-4184 | Impact factor: 8.76 | ESTD Year: 2016
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Paper Title: THE ACCESSIBILITY AND THE USAGE OF BANKING SERVICES OF SCHEDULED CASTE HOUSEHOLDS
Authors Name: Dr Jyolsna S. , Dr Shaijumon C.S.
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IJNRD_186630
Published Paper Id: IJNRD2301329
Published In: Volume 8 Issue 1, January-2023
DOI: http://doi.one/10.1729/Journal.32812
Abstract: : The sustained development of a nation depends on the financial service coverage of all people. All sections of society must access financial instruments and institutions to attain inclusive growth. Therefore, the financial inclusion of Scheduled Castes (SCs) has always been a concern. RBI has periodically issued instructions or directions to banks about providing facilities to Scheduled Castes (SCs). This study aims to examine the access to and usage of banking services of Scheduled Caste (SC) households. The study conducted an empirical analysis by an extensive primary survey, covering 425 sample households in four Block Panchayats and one Municipality in the Pathanamthitta district of Kerala state (India) with the help of a detailed Interview Schedule. The study has found that most Scheduled Caste (SC) households still have very limited usage of financial services. Furthermore, the majority of these households are financially illiterate. Financial illiteracy is leading to financial discrimination, leading to financial exclusion and ultimately leading to financial exploitation. The study suggests improving financial literacy programmes by organizing a bank-linked Intensive Financial Literacy Campaign at least twice in a financial year.
Keywords: Financial inclusion, Financial services, Access to credit, Usage of banking services, Scheduled Castes
Cite Article: "THE ACCESSIBILITY AND THE USAGE OF BANKING SERVICES OF SCHEDULED CASTE HOUSEHOLDS", International Journal of Novel Research and Development (www.ijnrd.org), ISSN:2456-4184, Vol.8, Issue 1, page no.d249-d255, January-2023, Available :http://www.ijnrd.org/papers/IJNRD2301329.pdf
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ISSN: 2456-4184 | IMPACT FACTOR: 8.76 Calculated By Google Scholar| ESTD YEAR: 2016
An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.76 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator
Publication Details: Published Paper ID:IJNRD2301329
Registration ID: 186630
Published In: Volume 8 Issue 1, January-2023
DOI (Digital Object Identifier): http://doi.one/10.1729/Journal.32812
Page No: d249-d255
Country: Pathanamthitta, Kerala, India
Research Area: Social Science and Humanities 
Publisher : IJ Publication
Published Paper URL : https://www.ijnrd.org/viewpaperforall?paper=IJNRD2301329
Published Paper PDF: https://www.ijnrd.org/papers/IJNRD2301329
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ISSN: 2456-4184
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