BIBLIOGRAPHY - Shodhganga : a reservoir of Indian...

22
158 BIBLIOGRAPHY Acharya, Shankar (2002), “India: Crisis, Reform and Growth in the 1990s”, Working Paper No.139, Centre for Research on Economic Development and Policy Reform, Stanford University Adhikary, M. L and Bagli, S. (2010), “Impact of SHGs on Financial Inclusion – A Case Study in the District of Bankura”, Journal of Management and Information Technology, Vol. 2, No.1, pp. 16-32. Adhikary, M. L. and Bagli, S. (2011) „SHGs and Access to Affordable Credit An Empirical Study in Bankura District‟ in S. K. Dutta (Eds.), Development and Rural Livelihood, Department of Economics, Burdwan University. & Levant Books, Kolkata, 170-191. Agarwal Amol (2008), “The Need for Financial Inclusion with an Indian Perspective”, Economic Research, March 3, IDBI Gilts, India. Agriculture Statistics at a Glance (2008). Amitabh Kundu and K. Varghese (2010), Regional Inequality and Inclusive Growth in India under Globalization: Identification of Lagging States for Strategic Intervention, Working papers series, Oxfam India. Anand Sinha (2012), “Financial Inclusion and Urban Cooperative Banks”, edited transcript at the launch of the financial inclusion program of COSMOS Bank at Pune. Anderloni L. (2005) L’exclusion financière en Italie: un phénomène encore diffus, in Gloukoviezoff G. (sous la direction de) “Rapport exclusion et liens financiers. L‟exclusion bancaire des particuliers. Rapport du Centre Walras 2004”, Paris, Economica. Anderloni, L. (2003) Il Social Banking in Italia. Un Fenomeno da esplorare. Milan: Giuffré. Anderloni, L. and Carluccio, E. (2006) „Access to Bank Accounts and Payment Services‟, in Anderloni L, E Carluccio & M Braga, New Frontiers in Banking Services: Emerging Needs and Tailored Products for Untapped Markets. Berlin: Springer Verlag. Andrew Irving Associates (2006) Financial Exclusion among Older People: Help the Aged Financial Exclusion Programme. London: Help the Aged Anirban Ghatak (2013), Demand Side Factors Affecting Financial Inclusion”, The International Journals Research Journal of Social Sciences and Management, Vol. 1, No. 1, ISSN: 2251-1571. Anjugam, M. (2011), “Impact of SHG - Bank Linkage Program on Financial Inclusion- Rural Household Study in Tamil Nadu”, The Banking With The Poor Network (BWTP) Bulletin, No. 3. Ansari, S. A (2007), “Microfinance in India” Asian Economic Review.

Transcript of BIBLIOGRAPHY - Shodhganga : a reservoir of Indian...

158

BIBLIOGRAPHY

Acharya, Shankar (2002), “India: Crisis, Reform and Growth in the 1990s”, Working

Paper No.139, Centre for Research on Economic Development and Policy

Reform, Stanford University

Adhikary, M. L and Bagli, S. (2010), “Impact of SHGs on Financial Inclusion – A Case

Study in the District of Bankura”, Journal of Management and Information

Technology, Vol. 2, No.1, pp. 16-32.

Adhikary, M. L. and Bagli, S. (2011) „SHGs and Access to Affordable Credit An

Empirical Study in Bankura District‟ in S. K. Dutta (Eds.), Development and

Rural Livelihood, Department of Economics, Burdwan University. & Levant

Books, Kolkata, 170-191.

Agarwal Amol (2008), “The Need for Financial Inclusion with an Indian Perspective”,

Economic Research, March 3, IDBI Gilts, India.

Agriculture Statistics at a Glance (2008).

Amitabh Kundu and K. Varghese (2010), Regional Inequality and Inclusive Growth in

India under Globalization: Identification of Lagging States for Strategic

Intervention, Working papers series, Oxfam India.

Anand Sinha (2012), “Financial Inclusion and Urban Cooperative Banks”, edited

transcript at the launch of the financial inclusion program of COSMOS Bank at

Pune.

Anderloni L. (2005) L’exclusion financière en Italie: un phénomène encore diffus, in

Gloukoviezoff G. (sous la direction de) “Rapport exclusion et liens financiers.

L‟exclusion bancaire des particuliers. Rapport du Centre Walras 2004”, Paris,

Economica.

Anderloni, L. (2003) Il Social Banking in Italia. Un Fenomeno da esplorare. Milan:

Giuffré.

Anderloni, L. and Carluccio, E. (2006) „Access to Bank Accounts and Payment Services‟,

in Anderloni L, E Carluccio & M Braga, New Frontiers in Banking Services:

Emerging Needs and Tailored Products for Untapped Markets. Berlin: Springer

Verlag.

Andrew Irving Associates (2006) Financial Exclusion among Older People: Help the

Aged Financial Exclusion Programme. London: Help the Aged

Anirban Ghatak (2013), “Demand Side Factors Affecting Financial Inclusion”, The

International Journals Research Journal of Social Sciences and Management,

Vol. 1, No. 1, ISSN: 2251-1571.

Anjugam, M. (2011), “Impact of SHG - Bank Linkage Program on Financial Inclusion-

Rural Household Study in Tamil Nadu”, The Banking With The Poor Network

(BWTP) Bulletin, No. 3.

Ansari, S. A (2007), “Microfinance in India” Asian Economic Review.

159

Arunachalam .R.S (2008), “Scoping Paper on Financial Inclusion”, UNDP.

Ashraf, N., Karlan, D. S. and Yin, W. (2006) “Tying Odysseus to the Mast: Evidence

from a Commitment Savings Product in the Philippines,” Quarterly Journal of

Economics, 121(2), 635-672.

Atkinson, A., McKay, S. and Kempson, E. (2006) Financial Capability in the UK:

Results of a Baseline Survey. Financial Services Authority.

Atul Bansals (2012), “Profitable Models for Financial Inclusion”, Global Journal of

Management and Research, October – December.

Axis Bank Annual Report 2012-13

Ayyagari, M., Demirguc-Kunt, A., Maksimovic & V., (2006). Firm Innovation in

Emerging Markets: Role of Governance and Finance. World Bank Mimeo.

Ayyagari. M., Demirgüç-Kunt A. and Maksimovic, V. (2008) “How Important Are

Financing Constraints? The Role of Finance in the Business Environment,” World

Bank Economic Review, 22(3), 483-516

Badajena, S. N. and Gundimeda, H. (2011), Self Help Group Bank linkage model and

financial inclusion in India. retrieved from http://skoch.in/fir/self%20Help%and

%20%20Financial%20Inclusion.

Bagli Supravat (2012), “A Study of Financial Inclusion in India, Radix International

Journal of Economics & Business Management, Vol.1, Issue 8, August, ISSN:

2277–1018.

Bagli, S. and Dutta, P. (2012), A Study of Financial Inclusion in India, Radix

International Journal of Economics & Business Management, Vol.1, No.8.

Balasaheb, Vikhe Patil (2008) „Agriculture Indebtedness: Crisis and Revival‟, EPW,

February 2, 2008.

Banca d‟Italia (2002) „I Bilanci delle Famiglie Italiane nell‟anno 2000‟ Supplemento al

Bollettino Statistico. XII (6)

Banca d‟Italia (2004) „I Bilanci delle Famiglie Italiane nell‟anno 2002‟ Supplemento al

Bollettino Statistico. XIV (12)

Banca d‟Italia (2006) „I Bilanci delle Famiglie Italiane Nello‟anno 2004‟ Supplemento al

Bollettino Statistico. XVI (7)

Banco de España (2005) Survey of Household finances (EFF): description, methods, and

Preliminary results, in “Economic Bulletin”, January pp.3-21.

Bandgar, P.K. (2012).Financial Inclusion. The Management Accountant. Vol. 47, No.1.

Banerjee, A. and Duflo, E. (2005) “Growth theory through the lens of development

economics,” In: Handbook of Economic Growth, Vol. 1, 473–552

Banerjee, A. V., and Newman, A. F. (1993) “Occupational choice and the process of

development,” Journal of Political Economy,101(1), 274-98

Banerjee, A., and Saraswat, P. (2012), “Financial Inclusion in India: An Overview”, The

Management Accountant, Vol. 47, No.1.

160

Banerjee, A., Duflo, E., Glennerster, R. and Kinnan, C. (2009), The miracle of

microfinance? Evidence from a randomized evaluation, Mimeo, May.

Bank for International Settlements. International Financial Statistics.

Bank for International Settlements. International Financial Statistics.

http://www.bis.org/statistics/bankstats.htm.

Base K. and Jindal (2000). Micro Finance Emerging Challenges. New Delhi: The Tata

McGraw Hill Publishing Company.

Basu Priya (2005), “Access to Rural Finance in India: The Evidence”, Yes Bank Annual

Report 2012-13, World Bank.

Basu, B.H.(1999) Econometrics, second (revised) edition, Berlin et al: Springer, 189-201

Basu, et al. (2004) Scaling-up Access to Finance for India’s Rural Poor, World Bank.

Draft Report.

Basu, Priya (2006) Improving Access to Finance for India’s Rural Poor, The World

Bank: Washington.

Bauer, M., et al. (2010) “Behavioral Foundations of Microcredit: Experimental and

Survey Evidence,” IZA Discussion Paper No. 4901

Bayot, B. (2005) „L‟exclusion Bancaire en Belgique‟ in Gloukoviezoff, G Rapport

Exclusion et Liens Financiers. Exclusion Bancaire des Particuliers. Rapport

Centre Walras 2004. Paris: Economica

Beck, T. and de la Torre, A. (2006) The Basic Analytics of Access to Financial Service,

paper presented at the Global Conference on Access to Finance. World Bank May

30-31.

Beck, T. and Levine, R. (2002) “Industry growth and capital allocation: does having a

market- or bank-based system matter?”Journal of Financial Economics, 64(2),

147–180

Beck, T., Demirgüç-Kunt, A. and Honohan, P.(2009) “Access to Financial Services:

Measurement, Impact, and Policies,” World Bank Research Observer, 24(1), 119-

145

Beck, T., Demirgüç-Kunt, A. and Maksimovic, V. (2005) “Financial and legal constraints

to growth: Does firm size matter?” Journal of Finance, 60 (1), 137–177

Beck, T., Demirguc-Kunt, A. and Martinez-Peria, M. S. (2007b) “Reaching out: Access

to and use of banking services across countries,” Journal of Financial Economics,

85(1), 234-266

Beck, Thorsten, Asli Demirguç-Kunt and Ross Levine (2004a) “Finance and Poverty:

Cross- Country Evidence”. World Bank Policy Research Working Paper 3338.

Beck, Thorsten, Asli Demirguç-Kunt and Ross Levine (2004b) “SMEs, Growth, and

Poverty: Cross-Country Evidence”, World Bank Policy Research Working Paper.

161

Bell Clive and Rousseau Peter L (2001), “Post-Independence India: A Case of Finance-

Led Industrialization?”, Journal of Development Economics, Vol. 65, No. 1, pp.

153-175, Elsevier.

Bell, C (1990) “Interactions between Institutional and Informal Credit Agencies in Rural

India”, The World Bank Economic Review, 4 (3): 297-327

Benjamin, M P (1981) Investment projects in agriculture: principles and case studies,

New York: Longman Publishing Group.

Bhandari (2009), “Access to Banking Services and Poverty Reduction: A State –Wise

Assessment in India”, Discussion Paper No.4132 Institute for the Study of Labor

(IZA) Germany April

Bhanot, D., Bapat, V. and Bera, S(2012),“Studying financial inclusion in north-east

India” International Journal of Bank Marketing Vol. 30, No.6, pp. 465 – 484

retrieved from www.emeraldinsight.com/journals.htm

Bhaskar, P Vijay, (2013) “Financial Inclusion in India – An Assessment”, New Delhi:

MFIN and Access-Assist Summit.

Bhattacharjee, M and M Rajeev (2010) “Interest Rate Formation in Informal Credit

Market: Does Level of Development Matter?” Brooks World Poverty Institute,

Working Paper No.126, UK.

Bhattacharjee, M, Meenakshi Rajeev and B P Vani (2009) “Asymmetry in Information

and Varying Rates of Interest: A Study of Informal Credit Market in West

Bengal”, Margin, 3 (4): 339-64.

Bhattacharya, B.B. and S. Sakthivel (2004) “Regional Growth and Disparity in India:

Comparison of Pre- and Post-Reform Decades”, Economic and Political Weekly,

Vol 39, No. 10, pp. 1071-7, March 2004

Bhavani, T.A. and Bhanumurthy, N.R. (2012), “Financial Development, Financial

Access, and Their Relation with Economic Growth, Financial Access in Post-

Reform India, ISBN: 9780198076650.

Biswal Aprajita (2013), “Micro Credit Institutions in the Context of the Economic

Empowerment of a Poor Rural Woman: A Case of Rural Odisha”, IOSR Journal of

Economics and Finance, Vol.2 Issue 1.

BMRB (2006) Access to Financial Services by those on the Margins of Banking: Final

Report for the Financial Inclusion Taskforce. London: BMRB.

Braga, M.D. (2006) “Access to Investments and asset Building for Low Income People”,

in Anderloni L, M Braga and E.M. Carluccio, New Frontiers in Banking Services:

Emerging Needs and Tailored Products for Untapped Markets,. Berlin: Springer

Verlag.

Burgess R. and Pande, R. (2005) “Do Rural Banks Matter? Evidence from the Indian

Social Banking Experiment,” American Economic Review, 95(3), 780-795

Burgess Robin and Pande Rohini (2003), “Do Rural Banks Matter? Evidence from the

Indian Social Banking Experiment”, CEPR Discussion Papers 4211, available at

http://ideas.repec.org/a/aea/aecrev/v95y2005i3p780-795.html

162

Burgess Robin, et al. (2004), “Banking for the Poor: Evidence from India”, available at

http://real.wharton.upenn.edu/~wongg/research/jeeabankindia.pdf

Byrne, N., et al. (2007) “Money Lending and Financial Exclusion”, Public Money and

Management Vol. 27, No. 1, February, pp. 45-52.

CAB (2006) Treasury Select Committee Inquiry into Financial Inclusion: Memorandum

by Citizens Advice. London: Citizens Advice.

Carbo, S., et al. (2005) Financial Exclusion, Basingstoke, Palgrave Macmillan, London.

Carbo, S., et al. (2007) “Financial Exclusion in Europe”, Public Money & Management,

Vol. 27, No 1: February, pp.21-27.

Caskey J.P. (2002) Bringing Unbanked Households in to the Banking Systems,

Washington: The Brookings Institution, Center of Urban and Metropolitan Policy,

January.

Census of India & Haryana [various issues].

Central Statistical Organization (CSO) (2009) National Account Statistics, New Delhi:

CSO.

CGAP Technology Programme (2009), Notes on Branchless Banking, Policy and

Regulation in

Chaia, Alberto, et al. (2010), “Half the World is Unbanked”, The Financial Access

Initiative, New York University, New York.

Chakarbarty, K C (2012), “Financial Inclusion – Issues in Measurement and Analysis”,

Kuala Lumpur: BIS-BNM Workshop on Financial Inclusion Indicators.

Chakrabarthy K.C (2009) Financial Inclusion, RBI Initiatives, at National seminar on

launching a National initiative for financial inclusion, DFS GoI.

Chakrabarti, M. (2013), “The Role of Regional Rural Banks in Financial Inclusion: An

Empirical Study on West Bengal State in India”, Abhinav, Vol.2, No.8, pp.51-62,

ISSN: 2277-1166

Chakrabarty K C (2009) “Technology, Financial Inclusion and Role of Urban

Cooperative Banks”, Speech, RBI Monthly Bulletin, September.

Chakrabarty K C (2010), “Mobile Commerce, Mobile Banking: The Emerging

Paradigm”, Speech, RBI Monthly Bulletin, January.

Chakrabarty K.C (2011) “Financial Inclusion and Banks: Issues and Perspectives",

Reserve Bank of India Bulletin November issue, Reserve Bank of India.

Chakrabarty K.C (2012), Empowering MSMEs for Financial Inclusion and Growth –

Role of Banks and Industry Associations, address at SME Banking Conclave

2012.

Chakrabarty K.C (2013), Financial Inclusion in India: Journey So Far and the Way

Forward, Key note address at Finance Inclusion Conclave Organised by CNBC

TV 18 at New Delhi.

163

Chakrabarty K.C (2013), Revving up the Growth Engine through Financial Inclusion,

address at the 32th SKOCH Summit held at Mumbai.

Chakrabarty K.C. (2007), “Uplifting Rural Poor: A case of Punjab National Bank”, CAB

calling, July-September, Vol. 31, No.3.

Chakrabarty, K. C. (2009) “Pushing Financial Inclusion-Issues, Challenges and Way

Forward”, A Presentation by the Deputy Governor, Reserve Bank of India, at 20th

SKOCH Summit 2009, Mumbai.

Chakrabarty, K.C. (2012), Financial Inclusion- Issues in Measurement and Analysis, RBI

Bulletin, December.

Chakravarty, Satya. R., and Pal, Rupayan (2010), “Measuring Financial Inclusion: An

Axiomatic Approach," IGIDR-WP-2010-003, Indira Gandhi Institute of

Development Research, India.

Change (2006) “Change: Benefits & Banking Research Study”, Change: www.changefinance.org.uk

Chattopadhyay, A. (2012), “Financial Inclusion- Indian Context”, The Management

Accountant, Vol.47, No.1.

Chattopadhyay, Sadhan Kumar (2011) “Financial Inclusion in India: A case-study of

West Bengal”, RBI Working Paper Series: WPS (DERP): 8/11

Chavan, P (2005), “Banking Sector Liberalization and the Growth and Regional

Distribution of Rural Banking”, in Ramchandran, V. K. and M. Swaminathan

(eds), Financial Liberalization and Rural Credit in India. New Delhi: Tulika

Books.

Chavan, Pallavi (2005) “How „Inclusive‟ Are Banks under Financial Liberalization?”,

Economic & Political Weekly, October, pp. 4647-49.

Chavan, Pallavi (2007) “Access to Bank Credit: Implications for Rural Dalit

Households”, Economic & Political Weekly, August 4, pp 3219-23.

Chen, S and Ravallion, M (2001), “How did the World‟s poorest are in the 1990s?”

Review of Income and Wealth, Series 47, No. 3, September283-300.

Chhikara, Kuldip S and Kodan, Anand S (2010) “Status of Financial Inclusion in

Haryana: An Evidence of Commercial Banks” Management and Labour Studies,

XLRI Institute, Jharkhand.

Chhikara, Kuldip S and Kodan, Anand S (2011) “Co-operative Dairy Development in

Haryana: An Assessment”, Vol.32, No.4, Udyog Yug, Haryana Industries and

Commerce, Haryana.

Chhikara, Kuldip S and Kodan, Anand S (2011) “Growth of Kisan Credit Scheme and its

Determinants: A Cross State Analysis”, January-June 2011, Vol.1, No.1, Haryana

School of Business Research Review, GJUS&T, Hisar, Haryana.

Chhikara, Kuldip S, et al. (2011) “Agriculture Credit in Post WTO Period: Trends,

Composition, Issues and Challenges”, ELK Journal of Finance and Risk

Management, March, Ghaziabad (Uttar Pradesh).

164

Chikodikar, M. (2012), “Financial Inclusion-An Overview”, The Management

Accountant, Vol.47, No.1.

Choudhary, M. (2013), “A Detailed Study of Micro Finance as a Tool for Tribal

Transformation in Areas of Madhya Pradesh”, International Journal of Business

and Management Invention, Vol. 2, No. 3, pp.72-76.

Claessens, S. (2005) Access to financial services: a review of the issues and public policy

objectives, In World Bank Group (ed.), Washington: World Bank Group.

Clark A., et al. (2005) Banking the Unbanked – A Snapshot, London: SAFE.

Collard, S. (2006) “Toward financial inclusion in the UK: progress so far and the

challenges ahead”, Public Money and Management (Special edition on financial

exclusion).

Collard, S. (2007) „Towards Financial Inclusion in the UK: Progress and Challenges‟,

Public Money and Management, Vol. 27, No 1: February 2007, pp13-20

Collard, S. and Kempson, E (2005) Affordable Credit: The Way Forward. York: Joseph

Rowntree Foundation.

Collard, S., et al. (2001) Tackling Financial Exclusion: An Area-based Approach.

Bristol: Policy Press.

Connolly C. and K. Hajaaj (2001) Financial services and social exclusion, Chifley

Research Centre. Financial Services Consumer Policy Centre, University of New

South Wales.

Conroy, J. (2005) "APEC and Financial Exclusion: Missed Opportunities for Collective

Action", Asian-Pacific Development Journal, Vol. 12, No. 1, pp. 53-79.

Conroy, J. (2008) "Financial Inclusion: A new Microfinance Initiative for Asia-Pacific

Economic Cooperation", The Foundation for Development Corporation, APEC

Business Advisory Council, Jakarta.

Conseil de la Consommation (2002a), Avis sur le service bancaire de base (évaluation de

la charte concernant un service bancaire de base et initiatives législatives en la

matière), Bruxelles, 28 mars.

Corr, C. (2006) Financial Exclusion in Ireland: An Exploratory Study & Policy Review.

Dublin: Combat Poverty Agency, Research Series 39

Cruickshank, D. (2000) Competition in UK banking: A report to the Chancellor of the

Exchequer, Stationery Office.

CSR (2001) Basic Banking Services: Collection of Information from Various European

Countries, CSR Europe

D.C.Mohan, Rakesh (2006), Economic Growth, Financial Deepening and Financial

Inclusion, Address at the Annual Bankers' Conference 2006, Hyderabad on

November 3.

Retrieved from <http://rbidocs.rbi.org.in/rdocs/Speeches/PDFs/73697.pdf>

165

Datt, G. and M. Ravallion (2002), “Is India's Economic Growth Leaving the Poor

Behind?” Policy Research Working Paper 2846, The World Bank, Washington

DC.

Datt, G. and Ravallion, M. (2002), "Is India's Economic Growth Leaving the Poor

Behind?," Journal of Economic Perspectives, 16(3), 89 – 108

Demerguc-Kunt, A., et al. (2008), Finance for all – Policies and pitfalls in expanding

access, A World Bank Policy Report. Washington, D.C.

Demirguc-Kunt, A., & Klapper, L. (2012), The Measuring Financial Inclusion, Global

Findex Database. Washington DC.

Department for Work and Pensions (2006), Family Resources Survey Statistical Report

(2004/05) London: DWP

Dermirgue-kunt, Asli and Klapper Leora (2012), “Measuring Financial Inclusion: The

Global Findex Database”, Research Support Team, Policy Research Working

paper 6025, World Bank, Washington, D.C.

Dev, M.S. (2006), “Financial Inclusion: Issues and Challenges”, Economic and Political

Weekly, Vol.41, pp. 4310-4313.

Devlin J. F. (2005), “A Detailed Study of Financial Exclusion in the UK”, Journal of

Consumer Policy, No. 28 pp75-108

Dilip Kumar Chetia (2008), “Banking Infrastructure in North-Eastern Region”, The

Indian Journal of Commerce, Vol. 61, No. 1.

Dixit and Ghosh (2013), “Financial Inclusion for Inclusive Growth of India: A Study of

States in India”, International Journal of Business Management & Research

(IJBMR) Vol. 3, No.1, pp.147-156.

Dr. K. Sriharsha Reddy (2011), “A Study on Extent of Financial Inclusion among Small

Borrowers in Andhra Pradesh”, CLEAR International Journal of Research in

Management, Science and Technology, Vol.1, No.1 January-June.

Drakeford, M. and Sachdev, D. (2001), “Financial Exclusion and Debt Redemption”,

Critical Social Policy, Vol. 20, No. 2, pp 209-230.

DREES (2004) “Accès et utilisation des services bancaires par les allocataires de minima

sociaux ” in Direction de la Recherche des Etudes de L’évaluation et des

Statistiques, Novembre. No.351, pp.1-8.

Dupas, Pascaline, and Robinson. J (2009), “Savings Constraints and Microenterprise

Development: Evidence from a Field Experiment in Kenya”, NBER Working

Paper 14693, National Bureau of Economic Research, Cambridge, MA.

Economic Census of Haryana (1998 & 2005).

Ellison, A., Collard, S. and Forster, R. (2006), “Illegal lending in the UK,” London:

Department of Trade and industry.

Eurobarometer (2004) Public Opinion in Europe: Financial Services Report, B. Brussels:

European Commission.

166

Evolution of Banking in India: Reserve Bank of India publication.

Ezazul, Md. I. & Salim, Al M. (2011), “Financial Inclusion: The Role of Bangladesh

Bank”, Working Paper Series: WP1101, Bangladesh Bank.

Faruk, M.O. and Noman, S.M.S. (2013), “The Financial Inclusion: A District Wise Study

on Bangladesh”, International Journal of Economics, Finance and Management,

Vol. 2, No.4, PP. 291-296.

Fernando N. A. (2007), “Low Income Household‟s Access to Financial Services –

International Experience, Measures for Improvement, and the Future”, EARD

Special Studies, Asian Development Bank.

Financial Inclusion – Issues in Measurement and Analysis Keynote Address by Dr. K. C.

Chakrabarty, Deputy Governor, Reserve Bank of India at the BIS-BNM

Workshop on Financial Inclusion Indicators at Kuala Lumpur on November 5,

2012. downloaded from

http://www.rbi.org.in/scripts/BS_SpeechesView.aspx?id=749 on 5th Feb, 2013.

Financial Inclusion Taskforce (2006a) Report on progress towards the shared goal.

London: HM Treasury.

Financial Inclusion Taskforce (2006b) Update to the Economic Secretary to the Treasury

from the Financial Inclusion Taskforce. London: HM Treasury

Ford, J. and K. Rowlingson (1966), “Low-income Households and credit: Exclusion,

Preference and inclusion”, Environment and Planning, 28:1345-60.

Gallou, R. and Le Queau, P. (1999), Les Personnes Interdite de Chequiers, Paris: Banque

de France.

Gloukoviezoff, G. (2004a), “De la bancarisation de masse a l‟exclusion bancaire puis

sociale ” in Revue Francaise des Affaire Sociales n3-2004, Paris: La

Documentation Francaise, pp.11-38.

Gloukoviezoff, G. (2005a) Rapport Exclusion et Liens Financiers. L’exclusion bancaire

particuliers. Rapport du Centre Alras, 2004. Paris: Economica

Gloukoviezoff, G. (2005b) „Peut-on Chiffrer L‟exclusion Bancaire ?‟ in AA.VV.

Rapport Moral sur L’argent dans le Monde. Paris: AEF.

Gokarn, S. (2011), Financial Inclusion: A Consumer-centric View, RBI Monthly Bulletin,

pp.485-93, April.

Golait, R (2007), “Current Issue in Agriculture Credit in India: An Assessment”, Reserve

Bank of India, Occasional Paper, Vol.28 No.1.

Government of India (2006), “Towards Faster and More Inclusive Growth: An Approach

to the 11th Five Year Plan”, Planning Commission, New Delhi, pp.93-99.

Goyal Chandan Kumar (2008), “Financial Inclusion in the North Eastern Region of India

with Special Reference to Assam”, The IUP Journal of Applied Finance, Vol. 14,

Greaney, A. & Locke, M. (1999), Access to Appropriate, Affordable Financial Services,

London: Peabody Trust.

167

Greenwood, Jeremy and Jovanovic, Boyan (1990), “Financial Development, Growth, and

the Distribution of Income”, The Journal of Political Economy, Vol.98, No.5, Part

1, October, pp.1076-1107.

Gupta, M and S Choudhuri (1997), “Formal Credit, Corruption and the Informal Credit

Market in Agriculture: A Theoretical Analysis” Economica, Vol.64, No.254,

pp.331-43

Hannig, Alfred and Jansen, Stefan (2010), “Financial Inclusion and Financial Stability:

Current Policy Issues”, Asian Development Bank Institute Inclusive, No.259,

December.

HDFC Bank Annual Report 2012-13

Hephzibah, R., and Selvi, D. (2010), “Financial Inclusion Through Self Help Groups”, in

„Growth with Equity: Financial Inclusion Daniel Lazar, Aravanan, S., and

Malabika Deo., ed.Chennai: Vijay Nicole Imprints Private Limited, 173-180.

HM Treasury (2004) Promoting Financial Inclusion. London: HM Treasury.

Honohan, P. (2005), “Measuring Micro-finance Access: Building on Existing Cross

Country Data” Policy Research Working Paper 3606, World Bank, Washington:

D.C.

House of Commons Treasury Committee (2006), “Financial inclusion: Credit, savings,

advice and insurance” Twelfth report of session 2005-06. Volume 1, London: The

Stationery Office Limited. http://www.bis.org/statistics/bankstats.htm

Hughes, P. & Jordan, A. (2001) Towards Financial Inclusion for All – A European

Voluntary Charter on Banking Services: First Step of a European Initiative.

Brussels: CSR Europe

ICICI Bank Annual Report 2012-13

IDBI Bank Annual Report 2012-13

IFF (2000) Access to Financial Services: Strategies Towards Equitable Provision:

German National Report. Hamburg: Institute Fur Finanzdienstleistungen e.V.

INC (2000) Access to Financial Services in France. Paris: Institut National de la

Consommation India post, Annual report, 2010-11.

(http://www.indiapost.gov.in/Old/Report/Annual_Report_2010-2011.pdf)

Iqbal, B.A. (2012) “Financial Inclusion through Micro-Finance” The Management

Accountant, Vol.47, No.1.

J. Sachin (2011) “Financial Inclusion: Involving the Uninvolved through Product,

Channel and Marketing Innovations”, The Journal of Indian Institute of Banking

& Finance, Vol. 82.

Jayamaya R. (2008), Access to Finance and Financial Inclusion for Women, special study

of Central bank of Sri-Lanka.

Johnson, Susan and Max Nino Zarazua (2011) “Financial Access and Exclusion in Kenya

and Uganda”, Journal of Development Studies, Vol. 47, No. 3, 475-496, March.

168

Joseph Massey (2010) “Role of Financial Institutions in Financial Inclusion”, FICCI's

Banking & Finance Journal, MCX Stock Exchange, Issue: 4, October.

Joshi, Deepali Pant (2013) Financial Inclusion: Journey So Far and Road Ahead,

Mumbai: Mint Conclave on Financial Inclusion.

K.C. Chakravarthy speech retrieved from http://www.bis.org/review/r111114d.pdf

Kainth, Gursharn Singh (2007) „Rural Finance in India‟, Yojana, February.

Kallur, M.S. (2005) “Impact of Kisan Credit Card on Flow of Credit and Repayment Rate

in a Backward Region : A case of Agricultural Development Bank of Shorapur

Taluka, Gulbarga District, Karnataka State, Indian Journal of Agricultural

Economics, Vol. 60, No. 3, July- September, P 396.

Kapoor Pavan (2013), “Study of Financial Inclusion in Banking Industries in India”,

International Journal of Research in Commerce & Management, Vol.4, No.10,

October, ISSN 0976-2183.

Karmakar, K.G. Banerjee, G.D. and Mohapatra, N.P. (2011) „Towards Financial

Inclusion in India‟, Sage Publications India Pvt. Ltd, New Delhi

Kaur Harmeet and Tanghi Bhawdeep Singh (2014), “Financial Inclusion: A way to

sustainable growth, Gian Jyoti E-Journal, Vol. 4, Issue 1, January-March, ISSN

2250-348X

Kearton, L. (2005) Figuring out Finance – An Overview of Financial Exclusion in Wales.

Cardiff: Welsh Consumer Council

Kelkar, V. (2010), “Financial Inclusion for Inclusive Growth” ASCI Journal of

Management, Vol.39, No.1, pp.55-68.

Kempson, E (2006) “Policy Level Response to Financial Exclusion in Developing

Economies: Lessons for Developing Countries”, Paper for Access to Finance:

Building Inclusive Financial Systems, May 30-31 2006, World Bank, Washington

DC

Kempson, E. (1999) “Insured with rent schemes” Insurance Trends 23 pp1-13

Kempson, E. (1999) Saving in Low-income and Ethnic Minority Households. London:

Personal Investment Authority.

Kempson, E. (2002) Over-indebtedness in Britain. London: Department of Trade and

Industry.

Kempson, E. and C. Whyley (1998) Access to Current Account. London: British Bankers‟

Association.

Kempson, E. and Whyley, C. (1999) Kept Out or Opted Out? Understanding and

Combating Financial Exclusion. Bristol: Policy Press.

Kempson, E., et al. (2000) "In or Out? Financial Exclusion: a Literature Review", FSA,

London.

Kempson, E., et al. (2004) Characteristics of families in debt and the nature of over-

indebtedness. London: Department for Work and Pensions.

169

Kempson, E., et al. (2005) Incentives to Save: Encouraging Saving Among Low-income

Households Final Report on the Saving Gateway Pilot Project. London: HM

Treasury.

Kempson, E and Jones, T (2000) Banking without branches, London: British Bankers‟

Association.

Kempson. E and Whyley. C (1998) Access to current accounts, London: British Bankers'

Association.

Kempson.E and Whyley.C (1999), “Kept out or opted out? Understanding and Combating

Financial Exclusion” Bristol, Policy Press.

Kempson.E and Whyley.C (2001) Payment of pensions and benefits. London Department

for Work and Pensions.

Kempson.E, Atkinson.A and Pilley.O (2004), “Policy level response to financial

exclusion in developed economies: lessons for developing countries”, The

Personal Finance Research Centre, University of Bristol, September.

Kendall, J. (2012) “Local financial development and growth,” Journal of Banking and

Finance, 36(5), 1548-1562

Kendall, J., Mylenko, N. and Ponce, A. (2010), “Measuring Financial Access around the

World” The World Bank Financial and Private Sector Development Financial

Access Team Policy Research Working Paper 5253.

Khan, H R, (2011) “Financial Inclusion and Financial Stability: are they two sides of the

same coin?”, Chennai: BANCON.

King, R., & R. Levine (1993) Finance, entrepreneurship and growth: Theory and

evidence. Journal of Monetary Economics 32:513-42.

Kodan, Anand S and Chhikara, Kuldip S (2010) “Supply of Agriculture Credit by

Commercial Banks in India: with Special Reference to Haryana”, Vol. 1, No. 2,

October, 2010, MD University.

Kodan, Anand S and Chhikara, Kuldip S (2011) “Priority Sector Credit in India: Bank

Group Wise Study”, Matrix Business School, July-September, Pune, Maharashtra

(India).

Kodan, Anand S and Deswal, Jasbir (2010) “Role of RRB‟s for agriculturists”, Southern

Economist, Vol. 48, No.17, Andhra Pradesh (India).

Kodan, Anand S, Ahlawat, Narander and Mehra, Sandeep (2010) „Spatial Pattern and

Challenges of Co-operative Dairy Farming in India‟, Co-operative Perspective,

July-September, Vol. 45, No. 2, Pune, Maharashtra (India).

Kodan, Anand S, Garg, Narander and Kaidan, Sandeep (2011) “Financial Inclusion in

Northern-Eastern Region-Status, Issue, Challenges and Policy Response”,

Financial Economic Journal, ICFAI Publication, April-June, Hyderabad (India).

Kodan, Anand S, Kumar Rajesh, Deswal, Jasbir, Mehra, Shalindera (2011) “Micro

Finance-Through Self Help Groups in India”, Economic Affair, March-June, Vol.

56, No. 1, New Delhi (India).

170

Kodan, Anand Singh, Kumar Rajesh, Mehra, Sandeep and Yadav, Amit (2011) “Regional

Inequality of Kishan Credit Card Scheme in India: An Analytical Study”,

Agriculture Development in India, Book Edited by Vijayalakshmi. V and

Published by Southern Economist Journal, May 1, 2011, Bangalore.

Kodan, Singh Anand, Kumar Rajesh and Yadav, Amit (2011) “Regional Inequality of

Kishan Credit Scheme in India” Southern Economist, Bangalore

Kumar Nayak, Ranjan (2012), “Financial Inclusion through Cooperative Banks: A

Feasible Option for Inclusive Growth”, IMJ, Vol. 4, Issue 3, October-December.

Kumar, Kush and Singla, Surender Kumar (2010) “Various Facets of Loan Among Small

and Marginal Farmers in Punjab”, Man and Development, March, 2010.

Lakshmi, P. and Visalakshmi, S. (2013), “Impact of Cooperatives in Financial Inclusion

& Comprehensive Development”, Journal of Finance and Economics, Vol.1, No.3,

pp.49-53.

Leeladhar (2006) “Taking Banking Services to the Common Man Financial Inclusion”

Reserve Bank of India at the Fedbank Hormis Memorial Foundation. www.bis.org/review/r051214e.pdf

Leeladhar V (2005), Taking Banking Services to the Common Man – Financial Inclusion,

Commemorative Lecture at the FedbankHormis Memorial Foundation at

Ernakulam.

Leeladhar, V. (2006) “Taking Banking Services to the Common Man-Financial

Inclusion”, Reserve Bank of India Monthly Bulletin, Mumbai, pp.73-77.

Lele, U (1981) “Cooperatives and the poor: a comparative perspective”, World

Development, 9 (1): 55-72.

Levine, R. (2005). “Finance and growth”, in Aghion, P. and Durlauf, S.N. (eds.).

Handbook of Economic Growth, Vol 1A, p.865-934.

Leyshon, A. and Thrift, N. (1995) “Geographies of financial exclusion: financial

abandonment in Britain and the United States”, Transactions of the Institute of

British Geographers, New Series, 20, pp.312-341

Lyngdoh, B.F and Pati, A.P (2010) “Financial Inclusion, Women and Inclusive Growth”,

The Indian Journal of Commerce, Vol.63, No. 2, pp.174-82.

Marketing Partners Ireland Ltd (2006) The Move to Card and Electronic payments

Tipping Points for Consumers. Dublin: IPSO.

Marshall. N. (2004), “Financial Institutions in Disadvantaged Areas: a comparative

analysis of policies encouraging financial inclusion in Britain and the United

States”. Environment and Planning A. 36, pp241-261.

McKay, S. and Collard, S. (2006) „Debt & Financial Exclusion‟, in (ed.) Pantazis, Gordon

& Levitas Poverty & Social Exclusion: The Millennium Survey. Bristol: Policy

Press.

171

McKillop, D.G, Ward, A.M and Wilson, J.O.S (2007) „The Development of Credit

Unions and their Role in Tackling Financial Exclusion‟ in Public Money and

Management Vol 27, No 1: February 2007, pp.37-44

Meadows, P. (2000) Access to Financial Services. Britannia Building Society, National

Institute of Economic and Social Research

Meadows, P. et al (2004), „Social Networks: Their Role in Access to Financial Services

in Britain‟, National Institute Economic Review, 189: 99

Mehrotra, N., Puhazhendhi, V., Nair, G., & Sahoo, B.B, (2009). Financial Inclusion-An

Overview, Occasional Paper – 48, Department of Economic Analysis and

Research, National Bank for Agriculture and Rural Development

MGNREGA Circular for financial dated 04/03/2010

Michael Chibba. (2009). Financial Inclusion, Poverty Reduction and the millennium

Development Goals, European Journal of Development Research, Vol. 21,

Mira Mendoza (2009) “Addressing Financial Exclusion through Microfinance: Lessons

from the State of Madhya Pradesh, India”, The Journal of International Policy

Solutions, Vol 11, pp 25-35.

Mitra Rona (2006), “Financial Inclusion: Meeting The Challenge”, People‟s Democracy,

April 22 & 29, 2007 available at www.pd.cpim.org 18.

Mnaiklal Adhikay and Supravat Bagli (2010) “Impact of SHGs on Financial Inclusion –

A Case Study in the District of Bankura”, Journal of Management and

Information Technology, Vol.2, No.1.

Mohammed, M., and Shaik, M., (2010) „Financial Inclusion Through Microfinance‟, in

„Growth with Equity: Financial Inclusion Daniel Lazar, Aravanan, S., and

Malabika Deo., ed. Chennai: Vijay Nicole Imprints Private Limited, 196-203.

Mohan R. (2006), “Economic Growth, Financial Deepening and Financial Inclusion”,

Address by Rakesh Mohan, Deputy Governor, Reserve Bank of India at the

Annual Bankers” Conference 2006, November 3, Hyderabad

Molyneux, P. (2006) “What are the Specific Economic Gains from Improved Financial

Inclusion? A Tentative Methodology for Estimating these Gains”, in Anderloni L,

M.D. Braga and E.M. Carluccio, New Frontiers in Banking Services: Emerging

Needs and Tailored Products for Untapped Markets: Berlin: Springer Verlag.

Nalini G. S. (2011), “Financial Literacy of Micro, Small and Medium Entrepreneurs”,

International Journal of Management Research and Review, Vol.1, Issue 5, Article

No-9/189-197 ISSN: 2249-7196, December.

Narayan Chandra Pradhan (2013), “Persistence of Informal Credit in Rural India:

Evidence from All-India Debt and Investment Survey and Beyond”, RBI Working

Paper Series, WPS (DEPR): 5/2013

National Crime Record Bauru [various issues].

172

National Sample Survey Organisation (NSSO) (2005a). All India Debt and Investment

Survey – “Household Indebtedness in India as on 30.06.2002”. Ministry of

Planning and Statistics Implementation. Government of India.

National Sample Survey Organisation (NSSO) (2005b). “Indebtedness of Farmer

Households”, Situation Assessment Survey of Farmers.

Newcombe, R. et al (2002) Partnership to Promote Financial Inclusion: Housing

Associations and Financial Institutions. Cambridge: Cambridge Centre for

Housing and Planning Research.

Nieri, L. (2006) “Access to Credit: the Difficulties of Households”, in Anderloni L, M.D.

Braga and E.M. Carluccio, New Frontiers in Banking Services: Emerging Needs

and Tailored Products for Untapped Markets. Berlin: Springer Verlag.

Nitin Kumar (2012) “Financial Inclusion and its determinants: Evidence from state level

empirical analysis in India” Indira Gandhi Institute of Development &

Research.(http://www.igidr.ac.in/money/Financial%20Inclusion%20and%20Its%

20Determinants_Nitin.pdf)

O‟Reilly, N. (2006) Three Steps to Inclusive Banking – Compliance, Standardisation &

Innovation, London: National Consumer Council.

Oya Pinar Ardic Maximilien Heimann Nataliya Mylenko. (2011). Access to Financial

Services and the Financial Inclusion Agenda Around the World, The World Bank,

pp 1-17.

Pankaj Kumar and Ramesh Golait (2009) Bank Penetration and SHG-Bank Linkage

Programme: A Critique

http://www.rbi.org.in/scripts/bs_viewcontent.aspx?id=2029

Pati, A.P. (2009) "Enhancing Financial Inclusion: The Catalytic Role of Self Help

Groups", The Management Accountant, Vol.44, No.5, pp.384-91.

Patnaik B.C.M., Satpathy Ipseeta, Patnaik Nageswar, Mohapatra Aroop Kumar (2012),

“Including the Excluded through Financial Inclusion”, International Journal of

Physical and Social Sciences, Vol 2, Issue 7, July, ISSN: 2249-5894.

Patnaik, P (2005) “Financial Liberalization and Credit Policy” In Ramchandran, V K and

M Swaminathan (eds), Financial Liberalization and Rural Credit in India. New

Delhi: Tulika Books.

Peachy, Stephen, and Alan Roe (2004). Access to Finance–What Does it Mean and How

Do Savings Banks Foster Access? Brussels: World Savings Bank Institute.

Pilley, O. (2005) L’Union européenne et l’exclusion financière, in Gloukoviezoff G.

(sous la direction de) Rapport exclusion et liens financiers. L‟exclusion bancaire

des particuliers. Rapport du Centre Walras 2004”, Paris, Economica.

Pollin, J.P. and Riva, A. (2002) Financial Inclusion and the Role of Postal Systems, in

Ruozi R. and L. Anderloni (eds.), Modernisation and Privatisation of Postal

System in Europe, Springer, Heidelberg New York.

M. Pranab, (2010) „Financial Literacy: Key to Financial Inclusion‟, The Hindu, March

22nd, 20.

173

Pranaya K. Swain and Singh Baldeep (2008), “Financial Inclusion of Rural Markets:

Understanding the Current Indian Framework, Working Paper Series WPS No.630,

Indian Institute of Management, Calcutta, October.

Pravat Kumar Kuri and Arindam Laha (2011) “Determinants of Financial Inclusion: A

Study of Some Selected Districts of West Bengal, India” ICSSR Major Research

Project, University of Burdwan.

Pravat Kumar Kuri and Arindam Laha (2011) “Financial Inclusion and Human

Development in India: An-inter State Analysis” Indian Journal of Human

Development, Vol.5 (1) 61-78.

Pujari, Y D (2011) Rural Indebtedness: Causes and Consequences, Vol. 1, Issue. 1,

February 2011, pp. 124-127.

Punjab National Bank Annual Report 2012-13

Quilgars. D, (2005), “Homelessness and Financial Exclusion: A Literature Review”,

Centre for Housing Policy, University of York, and October

Radakrishna, R (2007) Report of the Expert Group on Agriculture Indebtedness, Ministry

of Finance, Government of India, July, 2007.

Radhika Dixit and M. Ghosh (2013) “Financial Inclusion For Inclusive Growth of India –

A Study”, International Journal of Business Management & Research, Vol.3,

Issue 1, pp.147-156.

Rahman, A. (2009a) Financial inclusion as a tool for combating poverty – the

Bangladesh approach, A keynote address in 1st AFI Global Policy Forum.

Nairobi.

Rajan R G and Zingales L (1998) “Financial Dependence and Growth”, American

Economic Review, Vol. 88, No. 3, pp. 559-586.

Rajan R. G. and Zingales L. (2003), Saving Capitalism from Capitalists, Crown Business,

New York, pp.106-107.

Rajan, Raghuram G. (2008) “A Hundred Small Steps: Report of the Committee on

Financial Sector Reforms”, Planning Commission, New Delhi: Government of

India.

Rajeev, Meenakshi and B P Vani (2011) Emerging from Shadow: New Dimensions of

Household Indebtedness in India, Germany: VDM Verlag.

Ram A. Cnaan, M. S. Moodithaya and Femida Handy (2012). Financial Inclusion:

Lessons from Rural South India. Journal of Social Policy, 41, pp.183-205.

doi:10.1017/ S0047279411000377

Ramanujam and Arivazhagan (2011), “Factors Determining Bank Literacy among the

Members of Self Help Group Bank Linkage Model in Coimbatore District,

International Journal of Management Research and Review, Vol.1, No.3, pp. 23-

31.

174

Ramasubbian, H. (2012), “Opinion on the Growth of Financial Inclusion in State of Tamil

Nadu: An Empirical Analysis” International Journal of Engineering Research

and Development, Vol. 4, No.7, pp. 25-29.

Ramasubbian, Hemavathy and Duraiswamy, Ganesan (2012), “The Aid of Banking

Sectors in Supporting Financial Inclusion - An Implementation Perspective from

Tamil Nadu State, India”, Research on Humanities & Social Sciences, Academic

Journal, Vol. 2 Issue 3, p.38

Ramji Minakshi (2009), “Financial Inclusion in Gulbarga: Finding Usage in Access”,

Working Paper Series No.26, Centre for Micro Finance, Institute for Financial

Management and Research, January.

Randall, B. et al (2005) Community Access to Money: Housing Associations Lending on

Financial Inclusion. London: Housing Corporation/University of Salford.

Randall, B. et al (2006) Community Access to Money: Social Housing Landlords Reaping

the Benefit, London: Housing Corporation/University of Salford.

Rangajan. C (2007) Committee on Financial Inclusion, Ministry of finance, Government

of India, New Delhi, India.

Rangappa, K.B., Bai, Miss Renuka, Sandesh, A.S. (2005) SHG Bank Linkage Programme

and Financial Inclusion: Rural HH Study in Devangiri District of Karnataka

Rangappa, K.B., Bai, R.and Sandesh, A.L. (2009), “SHG- Bank Linkage Programme and

Financial Inclusion: Rural Household Study in Davangere District of Karnataka”,

Rangarajan Committee (2008) Report of the committee on financial inclusion,

Government of India, New Delhi.

Rangarajan, C. (2007) Financial Inclusion: Some Key Issues, Lecture Delivered at

Mangalore University, August 10th, Mangalore.

Ravallion, M. and S. Chen (2003), “Measuring Pro-Poor Growth”, Economics Letters,

Vol.78.

Reddy K.S. (2011), “A Study on Extent of Financial Inclusion among Small Borrowers in

Andhra Pradesh”, CLEAR International Journal of Research in Management,

Sciences and Technology, Vol.1, No.1, January-June.

Report of the Committee on Financial Inclusion, January 2008. www.rbi.org.in

Report of the High Level Committee to review Lead Bank Scheme, August 2009,

Reserve Bank of India

Reserve Bank of India - “Annual Reports and „Report on Trend and Progress of Banking

in India”, various issues.

Reserve Bank of India (2008) Operative guidelines for Banks on Mobile banking

transaction in India.

Reserve Bank of India (2008), Report on Currency and Finance 2006-08, Volume II, RBI,

Mumbai.

175

Reserve Bank of India (2009), Report of the Working Group to Review the Business

Correspondent Model.

Reserve Bank of India (2010), Annual report.

Reserve bank of India (2011) “Report on Trends and progress of banking in India 2010-

2011”, Mumbai.

Reserve Bank of India Annual Report 2012-13.

Reserve Bank of India Bulletin, January 2006.

Reserve Bank of India Circular (2009) 100 per cent Financial Inclusion- Evaluation by

external agencies-Broad findings dated January 22.

Reserve Bank of India various report.

Reserve Bank of India, Speeches published on Financial Inclusion and Related Topics in

its following, Monthly Bulletins during 2006 and 2007

Rossiter, J. and Cooper, N. (2005) Scaling up for Financial Inclusion. London: Church

Action on Poverty/Debt on our Doorstep

Ruozi, R. and Anderloni, L. (2001) Modernisation and Privatisation of Postal Systems in

Europe: New Opportunities in the Area of Financial Services, Springer-Verlag:

Berlin

S Mahendra Dev (2008) “Agriculture: Absence of A Big Push”, Economic and Political

Weekly, April 12, 2008.

Sadhan Kumar Chattopadhyay (2011) “Financial Inclusion in India: A Case-study of

West Bengal”. RBI Working Paper Series, WPS (DEPR): 8/2011.

Sahu, K.K. (2013), “Commercial Banks, Financial Inclusion and Economic Growth in

India” International Journal of Business and Management Invention, Vol.2, No.5,

PP.1-6.

Sainath, P (2008a), “17060 Farm Suicide in One Year”, The Hindu, January 31.

Sangwan (2008), “Financial Inclusion and Self Help Groups”, NABARD, February.

Sangwan, S. S. (2008). “Financial inclusion and SHGs”. Issues in agricultural and rural

development, NABARD, http://nabard.org/databank/IARDWeb/csid.htm.

Santanu Dutta and Pinky Dutta. (2009), The effect of literacy and bank penetration on

Financial Inclusion in India: A statistical analysis, Tezpur University, pp 1-4.

Sarkar A.N (2013), “Financial Inclusion Part-II: Fostering Sustainable Economic Growth

in India”, The Banker, Vol. VIII, No.5, pp.32-40.

Sarma, M and Pais, J (2008), Financial Inclusion and Development: A Cross Country

Analysis, Indian Council for Research on International Economic Relations, pp 1-

28.

Sarma, M (2008): Index of Financial Inclusion. Working Paper no. 215, ICRIER

176

Sarma, M (2010) „Index of Financial Inclusion‟, Discussion Papers in Economics 10-05,

November 2010 Centre for International Trade and Development, School of

International Studies, Jawaharlal Nehru University, India.

Sarma, M. and Pais, J. (2010). Financial inclusion and development. Journal of

International Development, n/a. doi: 10.1002/jid.1698.

Sarma, M., (2008), „Index of Financial Inclusion‟, Working Paper No. 215, Indian

Council for Research on International Economic Relations.

Sarma Mandira & Jesim Pais (2008) “Financial Inclusion and Development: A Cross

Country Analysis” Published by Indian Council for Research on International

Economic Relations (http://www.icrier.org/pdf/Mandira%20Sarma-Paper.pdf)

Sarma Mandira, (2012). Index of Financial Inclusion - A Measure of Financial Sector

Inclusiveness. Working Paper No. 07/2012.

Satish, P (2007) “Agriculture Credit in the Post-Reform Era: A Target of Systematic

Policy Coarctation”, Economic and Political Weekly, June 30, 2007.

Satya R. Chakravarty a and Rupayan Pal (2010) “Measuring Financial Inclusion: An

Axiomatic Approach” downloaded from http://www.cafral.org.in/docs/Measuring%20Financial%20Inclusion% 20-

%20Satya%20R%20Chakravaty%20and%20Rupayan%20Pal.pdf on 5th Feb.2013.

Satya R. Chakravarty and Rupayan Pal (2010) “Measuring Raghuram G. Rajan; Luigi

Zingales (2004) Financial Dependence and Growth The American Economic

Review, Vol. 88, No. 3. (Jun., 1998), pp. 559-586. |

Savita Shankar (2013), “Financial Inclusion in India: Do Microfinance Institutions

Address Access Barriers?” ACRN Journal of Entrepreneurship Perspectives, Vol.

2, Issue 1, pp.60-74, February, ISSN 2224-9729.

Sen, Amartya, (2000), “Development as Freedom”, Anchor Books, New York, pp. 223-

227.

Shahidur R. Khandker (2005), “Micro Finance and Poverty: Evidence Using Panel Data

from Bangladesh”, The World Bank Economic Review, Science direct.com

Shankar Savita (2013), “Financial Inclusion in India: Do Microfinance Institutions

Address Access Barriers?” ACRN Journal of Entrepreneurship Perspectives, Vol.

2, Issue 1, pp.60-74, February, ISSN 2224-9729.

Sharma. R, Didwania. M, Kumar (2011), “Need of Financial Inclusion for Poverty

Alleviation and GDP Growth”, International Journal of Multidisciplinary

Research Vol.1 Issue 6, October, ISSN 2231 5780.

Shetty (2005), Regional, Sectoral and Functional Distribution of Bank Credit. In

Ramchandran, V K and M Swaminathan (eds), Financial Liberalization and Rural

Credit in India. New Delhi: Tulika Books.

Shetty, S L (2006), „Policy Responses to the Failure of Formal Banking Institutions to

Expand Credit Delivery for Agriculture and Non-farm Informal Sectors: The

Ground Reality and Tasks Ahead‟, Revised Version of the Seminar Paper,

177

Monthly Seminar Series on India‟s Financial Sector, ICRIER, New Delhi,

November 14.

Shetty, S.L. (1997), “Financial Sector Reforms in India: An Evaluation”, Prajnan, 25 (3-

4), pp.253-287.

Shobana Vasudevan (2009), Suitability of Business Correspondent model for financial

inclusion in Slums in Mumbai, Research Cell, R. A. Podar, College of Commerce

& Economics, Mumbai, September 2009

Siamwalla, A et al (1990), “The Thai Rural Credit System: Public Subsidies, Private

Information, and Segmented Markets” The World Bank Economic Review, 4 (3):

271-95.

Siewertson, H. et al (2005), Policy measures to promote the use of micro-credit for social

inclusion, Amsterdam, Facet

Sinclair, S. P. (2001), Financial Exclusion: An Introductory Survey, Report of Centre for

Research in Socially Inclusive Services, Heriot-Watt University, Edinburgh.

Singh Kuldeep and Singh Kondan (2012) “Financial Inclusion, Development and Its

Determinants: An Empirical Evidence of Indian States” The Asian Economic

Review Vol.53 (1) 115-134.

Singh, Katar and Pundir, R S (2000), Cooperatives and Rural Development in India,

Anand: Institute of Rural Management.

Singh Sukhpal, Kaur Manjeet and Kingra, H S (2008), “Indebtedness Among Farmers in

Punjab”, Economic and Political Weekly, June 28, 2008.

Situation Assessment Survey of Farmers (2003), “Some Aspects of Farming”, NSS 59th

Round, (January–December), National Sample Survey Organization, Ministry of

Statistics and Programme Implementation, Government of India, July 2005,

Report No. 496(59/33/3).

Srinivasan L. (2012), “Financial Inclusion – Not just a CSR but a viable business model

for Banks”, The Management Accountant, Vol.47, No.1 January.

Srinivasan, N (2007), “Policy Issues and Role of Banking System in Financial Inclusion”,

Economic and Political Weekly, July, Vol. XLII (30), pp 3091-3095.

Sriram, M S (2005) „Information Asymmetry and Trust: A framework for Studying

Microfinance in India‟, “Vikalpa: The Journal for Decision Makers, IIM-A.

State Bank of India Annual Report 2012-13

Status of Microfinance in India: 2010-11, NABARD

Subbarao, D, (2009), Financial Stability: Issues and Challenges, Mumbai: FICCI-IBA

Annual Conference on “Global Banking: Paradigm Shift”.

Subbarao, D. (2010): "Financial Inclusion: Challenges and Opportunities", Reserve Bank

of India Monthly Bulletin, Mumbai, pp. 1-10.

178

Sundara Rajan, M.S. (2007) „Replication of Financial Inclusion: Opportunities and

Challenges- Indian Bank Experience‟, CAB Calling, July-September 2007, Vol.

31, No.3

Suryanarayana M. H. (2008), “Inclusive Growth: A Sustainable Perspective”, Indira

Gandhi Institute of Development Research, Mumbai.

Tejani Rachana (2011), “Financial Inclusion and Performance of Rural Co-operative

Banks in Gujarat,” Research Journal of Finance and Accounting, Vol. 2, No. 6,

ISSN 2222-1697.

Test Achats (2001) “Budgets et Droit” Test Achats No.158,. Paris: Test Achats

Thapar, Ashima (2013), “A Study on the Effectiveness of the Financial Inclusion

Program in India”, VSRD International Journal of Business and Management

Research, Vol. 3, No. 6, June, e-ISSN: 2231-248X, p-ISSN: 2319-2194.

The Government of India (2008) Report of the Committee on the Financial Inclusion

(Chairman: C.Rangarajan), January 2008.

The Hindu Business Line (2008) Commercial Banks Should Address Inclusion Issue,

Tuesday, September 16.

Thorat, Usha (2010) Deputy Governor, Reserve Bank of India, a key note Address on

Setting new paradigm in regulation. Delivered at the Federation of Indian

Chambers of Commerce & Industry-Indian Banks‟ Association (FICCI-IBA)

Conference on “Global Banking: Paradigm Shift”, panel session, Mumbai, on 8

September 2010.

Thorat, Usha, (2009) Report of the High Level Committee to review Lead Bank Scheme,

Mumbai: Reserve Bank of India.

Thrift, N. and Leyshon, A. (1997) “Financial desertification” in J. Rossiter (Ed),

Financial Exclusion: Can Mutuality Fill the Gap. London : New Policy Institute.

Throat, U. (2007). “Financial Inclusion – The Indian Experience “, Speech by Smt. Usha

Thorat, Deputy Governor, Reserve Bank of India at the HMT-DFID Financial

Inclusion Conference 2007, Whitehall Place, London, UK on June 19, 2007.

Treasury Committee (2006a) Financial Inclusion: Credit, Savings, Advice & Insurance.

London: House of Commons Treasury Committee: 12th

Report of the Session

2005/06, Vol 1: HC 848-1.

Treasury Committee (2006b) Banking the Unbanked – Banking Services, the Post Office

Card Account and Financial Inclusion. London: House of Commons Treasury

Committee: 13th

Report of the Session 2005/06: HC 1717

UIDAI, From Exclusion to inclusion with micro payments 2010. http://uidai.gov.in/UID_PDF/

Front_Page_Articles/Strategy/Exclusion_to_Inclusion_with_Micropayments.pdf)

UIDAI, Handbook for Aadhaar enrolment. (http://uidai.gov.in/images/

Uma, H .R, Rupa K.N., Madhu G.R. (2013), “Impact of Bank Lead Financial Inclusion

Model on the Socio Economic Status of Saral Saving Account Holders”. Indian

journal of research,Vol.2,Issue 9, September, ISSN 2250-1991.

179

Uma, H.R and Rupa, K.N (2013), “The Role of Self Help Groups in Financial Inclusion.

A Case Study”, International Journal of Scientific and Research Publications,

Vol. 3, No. 6, pp.1-5. www.igidr.ac.in/conf/money/mfc

University of Manchester. http:// www.bwpi.manchester.ac.uk/resources/Working-

Papers/bwpi-wp-12610.pdf

Vedini, K.H. and Kanaka Durga, P. (2007) “Evaluation of Kisan Credit Card Scheme in

the State of Andhra Pradesh, Indian Journal of Agricultural Economics, Vol. 62,

No. 3, July- September, P. 365.

Verman, R. Mahendra (2005) “Impact of Self Help Groups on Formal Banking Habits”,

Economic and Political Weekly, Vol.40, No.17, pp.1705-1713.

Vohra Sushma (2013), “Financial Inclusion – A Road India Needs To Travel”,

International Journal of Research in IT & Management, Vol.3, Issue 4, April, ISSN

2231-4334.

Whyley, C. McCormick, J. and Kempson, E. (1995) Paying for Peace of Mind: Access to

Home Contents Insurance for Low-income Households. London: Policy Studies

Institute

World Bank (2005), Indicators of Financial Access – Household – Level Surveys.

World Bank (2008a), Banking the Poor: Measuring Banking Access in 54 Economies.

World Bank (2009), World Development Report 2009: Reshaping Economic Geography,

Oxford University Press, New York

World Bank, World Development Report 2000–2001.

Yunus, Muhammad and Karl Weber (2007) „Creating a World without Poverty: Social

Business and the Future of Capitalism‟, Public Affairs, New York.