Financial Inclusion and Challenges Ahead
Submission DeadlineNov. 30, 2019

Submission Guidelines: http://www.sciencepublishinggroup.com/home/submission

Lead Guest Editor
Manisha Raj
Amity university, Noida, India
Guest Editors
  • Isha Jaswal
    Delhi Metropolitan Education, Indraprathstha University, Delhi, India
  • Shivani Mehta
    Amity university, Noida, India
  • Sangeeta Jauhari
    Rabindranath Tagore University, Raisen, India
  • Kavita Indapurkar
    Amity university, Noida, India
Introduction
With the on start of globalization and vigorous penetration of commodity and financial trade among different countries, the financial system has become a reckoning factor. Recently the economic progress of India has been strongly debated and lack of financial awareness was found to be one of the gaps towards uplifting the growth of the economy. Financial literacy is a major concern world over. It is imperative to generate and inculcate better banking habits among people and the government should initiate a logical Financial Inclusion Plan (FIP) for the literate as well as illiterate population. Empowering women through digitalization is another area to be explored on urgent basis.
The major issues faced by emerging economics in the process of amalgamating there economic activities(e.g.: trade, taxes and finance) have been the existence of huge unorganized sector in almost all the emerging economics, currency appreciation/depreciation, price fluctuations especially in oil market, declining of credit discipline, rural poverty and gender inequality. It is imperative for the economic institutions to deal with financial inclusion issues so that growth can penetrate at all the levels of the society. Further the government should seriously work on developing easy modes of formal document identification so that people with limited literacy can also become a part of financial system in a convenient way. Availability of employment opportunities in the rural India for males as well as females is mandatory because it will assist in empowering the poor.
India is looking forward to the Brazilian model of financial inclusion where the major focus was on credit penetration by expanding banking network. Also we can emphasize the importance of financial technology and there easy application among the rural and semi-rural population. The FIP can act as a stimulating factor towards combating the financial challenges and achieving higher targets of financial inclusion.
Aims and Scope:
  1. Women empowerment and formal document identification
  2. Financial penetration in terms of bank branches, credit availability and financial literacy camps
  3. Financial technology and the costs involved
  4. Financial literacy and financial planning
  5. Financial awareness (general as well as in course curriculum) leading to better financial discipline
  6. Savings and investment habits among rural poor and farm as well as non-farm credit
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