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Author: Sharit K. Bhowmik
Publisher: Springer Science & Business Media
ISBN: 8132215060
Category : Business & Economics
Languages : en
Pages : 154
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Book Description
This book is the product of a study conducted by the Tata Institute of Social Sciences (TISS) in collaboration with the United Nations Development Programme (UNDP) and Ministry of Urban Housing and Poverty Alleviation (MoHUPA). Its objective is to highlight some of the problems faced by street vendors in conducting their daily business and to examine how financial institutions, especially those in the banking sector, can include street vendors in their credit policies. Data was collected from 15 cities across the country. Not surprisingly, while issues such as public space utilisation have been deliberated upon at length, those concerning the nature of credit transactions and concurrently the financial inclusion of street vendors have scarcely received focussed attention. In the absence of formal credit, street vendors largely depend on loan sharks, who charge high interest rates ranging from 350% to 800% per annum. The problem of formal credit aside, another equally important factor is the inflexible attitude of the civic authorities towards street vending. Given their informal status, this is particularly apparent because they are forced to conduct business in the absence of legal protection, making them vulnerable to rent seeking by the authorities. The acceptance of the National Policy for Urban Street Vendors by a few states and the subsequent bill to protect the livelihood of street vendors should help them gain legitimacy and subsequently credit to run their businesses at proper rates. The book examines and analyses these issues.
Author: Aparna Samudra
Publisher: Mahi publication
ISBN: 9391556116
Category : Business & Economics
Languages : en
Pages : 120
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Book Description
On the path of achieving inclusive growth and adhering to the Sustainable Development Goals 2030, which envisages inclusive and sustainable economic growth and decent work for all, the ground-level situation of this huge section of the informal sector in India needs to be mainstreamed into the economic policies. Studies estimate that 11% per cent of the urban workforce in India is engaged in street vending. The problems faced by these sellers are unique, as they struggle not only to make their ends meet by selling on the streets facing all vagaries of the whether but also many times are at the receiving end of the civic bodies and law enforcement agencies. The government in India has taken commendable initiatives to bring this informal sector into the formal financial sector through its financial inclusion. Pradhan Mantri Jan Dhan Yojana, the flagship financial inclusion scheme started by the Government in 2014 aims at assuring financial access to everyone without a bank account. The drive of financial inclusion does not stop just at opening an account but also aims to facilitate access to credit and micro insurance. This book will be good and resourceful reading for anyone interested to know about the global, national and regional status of the financial inclusion of street vendors and would initiate further discussions on the subject through the in-depth analysis of various critical issues covered in this book.
Author: Sharit K. Bhowmik
Publisher: Springer Science & Business Media
ISBN: 8132215060
Category : Business & Economics
Languages : en
Pages : 154
Get Book Here
Book Description
This book is the product of a study conducted by the Tata Institute of Social Sciences (TISS) in collaboration with the United Nations Development Programme (UNDP) and Ministry of Urban Housing and Poverty Alleviation (MoHUPA). Its objective is to highlight some of the problems faced by street vendors in conducting their daily business and to examine how financial institutions, especially those in the banking sector, can include street vendors in their credit policies. Data was collected from 15 cities across the country. Not surprisingly, while issues such as public space utilisation have been deliberated upon at length, those concerning the nature of credit transactions and concurrently the financial inclusion of street vendors have scarcely received focussed attention. In the absence of formal credit, street vendors largely depend on loan sharks, who charge high interest rates ranging from 350% to 800% per annum. The problem of formal credit aside, another equally important factor is the inflexible attitude of the civic authorities towards street vending. Given their informal status, this is particularly apparent because they are forced to conduct business in the absence of legal protection, making them vulnerable to rent seeking by the authorities. The acceptance of the National Policy for Urban Street Vendors by a few states and the subsequent bill to protect the livelihood of street vendors should help them gain legitimacy and subsequently credit to run their businesses at proper rates. The book examines and analyses these issues.
Author: Ananda S.
Publisher: Springer Nature
ISBN: 9811626529
Category : Business & Economics
Languages : en
Pages : 343
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Book Description
This book discusses ideas for stakeholders to develop strategies to access and use financial products and services such as deposits, loans, and fund transfer mechanism, insurance, payment services, and intermediaries, distribution channels at economical prices in order to cater to the needs of the poor and underprivileged people. Financial inclusion ensures ease of access, availability, and usage of the financial products and services to all the sections of the society. The book will help in recognizing the role of financial inclusion as one of the main drivers in reducing income inequality and thus supporting sustainable economic growth of the countries, especially of an emerging economy. The book provides conceptual and practical ideas from the practitioners, best practices from the experts, and empirical views from the researchers on the best practices and how to mitigate the challenges and issues plaguing the development of the financial inclusion.
Author:
Publisher: Ajay Garg
ISBN: 8184659156
Category :
Languages : en
Pages : 136
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Book Description
Author: NMP Verma
Publisher: Taylor & Francis
ISBN: 1000096750
Category : Social Science
Languages : en
Pages : 450
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Book Description
This handbook critically examines the three concepts of exclusion, inequality and stigma and their interrelationship in the Indian context. Divided into five parts, the volume deals with the issues of exclusion, inequality, gender discrimination, health and disability, and assault and violence. It discusses important topical themes such as caste and social exclusion in rural labour markets, impact of poverty and unemployment, discrimination in education and literacy, income inequality and financial inclusion, social security of street vendors, women social entrepreneurs, rural–urban digital divide, workplace inequality, women trafficking, acid attacks, inter-caste marriages, honour killings, health care and sanitation, discrimination faced by those with disabilities, and regional disparities in India. The book traces rising socio-economic inequality and discrimination along with the severe lack of access to resources and opportunities, redressal instruments, legal provisions and implementation challenges, while also looking at deep-rooted causes responsible for their persistence in society. With emphasis on affirmative action, systemic mechanisms, and the role of state and citizens in bridging gaps, the volume presents several policies and strategies for development. It combines wide-ranging empirical case studies backed by relevant theoretical frameworks to map out a new agenda for research on socio-economic inequality in India with important implications for public policy. Comprehensive and first of its kind, this handbook will serve as a key reference to scholars, researchers and teachers of exclusion and discrimination studies, social justice, political economy, sociology, anthropology, economics, political science, development studies, education and public administration. It will also be useful to policymakers, bureaucrats, civil society activists, non-governmental organisations and social entrepreneurs in the development sector, in addition to those interested in third world studies, developing economies and the global south.
Author: Petter Nielsen
Publisher: Springer
ISBN: 303019115X
Category : Computers
Languages : en
Pages : 461
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Book Description
The two volumes IFIP AICT 551 and 552 constitute the refereed proceedings of the 15th IFIP WG 9.4 International Conference on Social Implications of Computers in Developing Countries, ICT4D 2019, held in Dar es Salaam, Tanzania, in May 2019. The 97 revised full papers and 2 short papers presented were carefully reviewed and selected from 185 submissions. The papers present a wide range of perspectives and disciplines including (but not limited to) public administration, entrepreneurship, business administration, information technology for development, information management systems, organization studies, philosophy, and management. They are organized in the following topical sections: communities, ICT-enabled networks, and development; digital platforms for development; ICT for displaced population and refugees. How it helps? How it hurts?; ICT4D for the indigenous, by the indigenous and of the indigenous; local technical papers; pushing the boundaries - new research methods, theory and philosophy in ICT4D; southern-driven human-computer interaction; sustainable ICT, informatics, education and learning in a turbulent world - "doing the safari way”.
Author: Debdulal Saha
Publisher: Taylor & Francis
ISBN: 1134865082
Category : Business & Economics
Languages : en
Pages : 198
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Book Description
Low industrial growth, declining agricultural sector and limited expansion of formal sector employment in India have increasingly forced the poor to take recourse to informal sources of livelihoods. Street vending is one such thriving source of self-employment across cities. This book delves into the sustenance and survival strategies of street vendors across 17 cities in India and assesses the issues revolving around self-created markets, livelihood and politics that are contested in public space. It also presents a conceptual and theoretical understanding of different socio-economic and policy concerns pertaining to street vending in the country. The study shows how despite the absence of legal frameworks and institutional support, these urban self-employed informal workers subsist by arranging ad-hoc alternatives, creating informal institutions and negotiating with formal and informal actors in the market. It also discusses the Street Vendors (Protection of Livelihood and Regulation of Street Vending) Act, 2014, and examines how inclusive the legal recognition is for these workers of informal economy. Drawing on exhaustive research and a wealth of primary data, this book will be useful to scholars and researchers in development studies, labour studies, economics, sociology and those in public policy and urban planning.
Author: Disha Experts
Publisher: Disha Publications
ISBN: 9387421961
Category :
Languages : en
Pages : 221
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Book Description
20 Practice Sets for SBI Bank PO Prarhambhik Pariksha is written exclusively for the New pattern Prelim Exam being conducted by SBI for recruitment in PO in the SBI. The book provides Fully Solved 20 Practice Sets for the Preliminary Exam. Each Test contains all the 3 sections Reasoning Ability, Numerical Ability and English Language as per the latest pattern. This book will really help the students in developing the required Speed and Strike Rate, which will increase their final score in the exam.
Author: Disha Experts
Publisher: Disha Publications
ISBN: 9389645832
Category :
Languages : en
Pages : 233
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Book Description
Author: Sharit K. Bhowmik
Publisher: Routledge
ISBN: 1317560027
Category : Business & Economics
Languages : en
Pages : 271
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Book Description
This book analyzes the adverse effects of globalization and liberalization — acutely manifest in the increased financialization of capital and the concomitant global financial crisis of 2008–09 — on the labour force, especially in the developing countries. Drawing upon case studies from several countries including India, Columbia, Malawi, Brazil and Thailand, it highlights the worsening plight of working class as a whole and informal labour in particular. The essays examine issues such as down-sizing, lowering of wages, insecurity and erosion of labour rights, and show how labour is grappling with the situation. The volume critically re-assesses varied aspects of the growing informal sector: its dubious credential as an employment provider during crises; its non-adherence to internationally recognized standards of decent work; the problems and potential of workers' unions; and the need for a regulatory regime. It also discusses changes in the Indian labour market induced by business environment and technology as well as its future dynamics. Presenting a historical review of labour markets, the work explores the deregulation wave under the globalization of 1980s and the interactions between existing unstable asset markets and labour markets. The book will prove especially useful to students and scholars in economics, labour studies and sociology, and those engaged in public policy and governance.
