10th seminar articles

117
  रत  क       ◌ग मह   :  र  ट ,  च    न  श , 25  ज    न 2011 `      र     '  प मन  क    र .  स .   खक  न  ब  क 1.   रत  -  प    र    ल  व ,  उ     य  उ Finan cial Literacy- The basic principles of trainin g, objectives & achievements      म  ब  ह  क नर ,  ब  ग    र 2.   रत  -  प    र    ल  व ,  उ     य  उ Finan cial Liter acy- The basic prin cipl es of trainin g, objectives & achievements अज    म  ग      त  कनर ,  ग    व 3.    त  त  -  ब  प    र  य Financial Literacy & Financial inclusion- The need of training for ! & F  स कत    म  स ,  द    ग    र 4.    त  त  -  ब  प    र  य Financial Literacy & Financial inclusion- The need of training for ! & F   ए       ,  ब  ग    र 5.   एव सश रण Financial Literacy and "omen empo"erment  स  ज    म ,  प 6.   एव सश रण Financial Literacy and "omen empo"erment  ज य◌  त    र  न  क  र शन ,  ह 7.       Th e role of #nancial literac y in the development of #nancial mar$ets  ड  त  प ◌ड   य  य       8.       Th e role of #nancial literac y in the  ड  श    र  तव रब ,  ज    र

Upload: kamal-markam

Post on 06-Oct-2015

172 views

Category:

Documents


0 download

DESCRIPTION

MANAGEMNET INFORMATION SYSTEMS 1

TRANSCRIPT

: , , 25 2011

` ' ..

1. - , Financial Literacy- The basic principles of training, objectives & achievements

,

2. - , Financial Literacy- The basic principles of training, objectives & achievements

,

3. - Financial Literacy & Financial inclusion- The need of training for BC & BF

,

4. - Financial Literacy & Financial inclusion- The need of training for BC & BF ,

5. Financial Literacy and women empowerment

,

6. Financial Literacy and women empowerment

,

7.

The role of financial literacy in the development of financial markets

8.

The role of financial literacy in the development of financial markets

,

9. - Financial Literacy - An important step towards financial inclusion

. .

10. - Financial Literacy - An important step towards financial inclusion

,

11. - Financial Literacy - An important step towards financial inclusion

,

12. - Financial Literacy -The need for a change in the attitude of rural masses

,

13. - Financial Literacy - Problems & solutions

.

,

14. -

Financial Literacy & Financial Inclusion- Two sides of a coin

,

15.

Personal investment & Financial Literacy

16. -

Financial Literacy- International best practices

17.

Use of technology for making the illiterate & visually impaired financially literate

,

18.

Use of communication channels in Financial Literacy

,

19.

Use of communication channels in Financial Literacy

,

20. - Financial Literacy & training - Various channels

21. - Financial Inclusion & KYC Norms- No Frill Account & Relaxed KYC Norms

... ,

22. :

23. .6- : .

- 1969 1990 - , , , , / 40 , I, II III IV

- I

- ( ) ( )

1969

8262

1833(22%)

64000

46463599

2009

7905631489(40)16000

3937336

2857525

- II-

(%)

(% )

(% )

(% )

2007

600000

30000

5710

0.6

13

2

:

- III - (%)(%) (%)

400,00098.096.397.6

61.738.044.9

: - 2007 (Invest India Market Solutions )

- IV - /

400,00062.85.531.7100

: - 2007 (Invest India Market Solutions )

40 40% , , , . " , " 2000 , , , , , :-1) 2) 3) ' ' 4) 5) 6) 7) ' ' 8) , , , - 9) , 10) , , 2012 , 2011 50% 29 , 2011 2253 1121 3395 50,000 71.7% 44.9% ( III ) :- 1) 2) , , , 3) , ", " " , " , :-

1) 2) , , , , - ? :-

1) 2) , , 3) , - , , / , 4) , , 5) 6) , , , , - , 7) 8) - , ' ' 18 4 10 , , 9) , , 10) .. 11) , ..., - ' ' , , " " :-

1) .... 20062) .... 20063) .... 20114) Financial Inclusion. a Customer Centric view. Dr. Subir Gokarn, Deputy Governer, RBI * VIth V. Narayanan Memorial lecture at Sastra University, Kumbhakonam on March 2010.

5) Economic Times, 08.04.2011 6) Economic Times, 09.04.2011, Page No : 9

7) Business Standard 29.03.2011 , Page No : 5 :1. --2

2. -

3. - 4.- 5. - 6. - ,

,

18, .. ,

- 781007

7. -

8.- [email protected] 9./ -080-22238906, 09663389522

- 080-22103360

- ,

30% , , - , - : , , :

- :

, ,

1) 2) 3) 4) , 5) , 6) 7) :

, :

,

() ()

() () () () () ,

()

() () () () () ()

(1) (2) (3)

} ,

, , :

1) : - 2) : 3) : 4) : , , 5) : , - 6) : 7) :

- :

:-

(1) : , (2) :

, , , , ( , ) (3) : / / (4) :

, , , , , , , -

, , *****

:1. --2

2. - - ,

3. - 4.- 5. - 6. - ,

,

, , ..

- 781007

7. -

8.- [email protected] 9./ -0361-2450097, 09435408468

- 0361-2466816

10. -

/-----------------------------------------------------------------------------------------------------------

- , ' ' ' ' ( ) ( ) , ;

, , - , , , , , , , , , 6,00,000 33,000 47 10 0.6% ( ) 43 , , , () : - , , () :- () :- () / / . . . () :- / , , , , () / () - , , / / : , , - 1. :- 2. :- - , , 3. :- , , , , , 4. :- 5. :- - 6. :- , : :- 1.

2. 3. 1. , , ,

() - () , / , ()

2. () , ( ) 3. , 1969 , - , , -, - , , , , , , , - : , - , , '' '' 63 , , - , : ................................................................................................................... -

.. . . . : . 50 .

: . .

. . .

: . ... .

. .: .. , .: : .

/ , . ( ) . , , ( ) , , , , , , . .

- .

( )

( )

() ()

. . . . : - . - , . , . .

, . . : . .

-

-

- ,

(Vulnerability)

.

-

-

-

, .

.

- - .

- .

- . .

- , , .

, .

: . , , , , , , . , , . / , , . . Speeding Financial inclusion . .

. . .

. . , , .

. . : , .

. . ( ) . . . . - , ( ) . , , .

6,30,000 . . . . 1969 65000 2009 14000 . 80,500 . 31,800 19,200 .: / .

: . 2000 . .

( ) . / . ( ) .

. : : .

. .

-

-

- / .

-

-

- / .

.

-

- ,

- ()

- /

- .

.. / .

. 15-20

, , , .

- - .

- ( ) .

, , , ,

. . .

***

1.

2.

-

3.

.

4.

()

5.

6. / , ,

, -560083

7. , ,

, -560083

8.

[email protected]

9. /

09845518376

10. / ( )-

, ? , , , , , , -

, , , 2011 121 82.14 , 65.46 . , , , / , - , - ? ? , .., , - - ; , , - - ? , - - ? , , , , -- , , , , , , ( ) 90 , () - - : , -, , , ? / , , , , / - , , , , , , , , , (/) - , 2008 , ( ) /- , , Finanacial Literacy and women empowerment - , 1. 2. , , , , - (NGO) , - : - ! , , , , ( ) , , , , - - - - , ? , , , , , , , - , , , / , , , , , , , , ,

.

, . . .

. . . , . . , , , . .

. . 1990 , , . . . .

- . . :

1. .

2. .

3. .

4. - , ., , , .

: .

1. .

2. .

3. .

: . , , , .

-

1. .

2. .

3. .

4. .

5. .

6.

7. .

. , . : , . .

.

. : .

, . .

, , . . .

. , , . . . . . , . , . :

1. , . .

2. , .

3. .

4. , , .

5. . , , .

6. , , . . : .

7. , , . .

8. . .

9. , , .

. . . . . , . , . . . . . . . 2002 .

, . .

: . 0 .. 21 2006 :

1. - , . . . . . . , . .

2. - . , . .

3. - , , . : . . . .

. . .

: .

1 A-9

2

3 .

4 ()

5

6 / , , , - 800 001

7 - -

8 [email protected]

9/ 0612-2222313/2231627; M- 9835232547

10 / - , , - .

. , , , - , , , , , , - , (....) / / , , / - , , , , , , , , , / ,

, , , , , , , , , - , : 8 9 33 10 12 , - : , , , - , , , , , - , - , - , , : 2 3 , , , , , ,

, : , , - / , -: [email protected] ****

. . . , . .

.

. : .

. , .

2006-07 / . , , .

. : . . , , , , . . , . . , . .

, . . . , . , .

, . , , , , . - . . , .

. .

/ , / , , , .

, , , - . . : . . , , : . . / . . . . . . .: . .

-

. - . . . . - , . / - , . . . , , . , . . / .i. . -, , , . . , . ii. , . .

iii. - . : , . : .

iv.: - .. - . v. . .. . - . , .. . / 2007 / -- . .

: . . . .

... . . .

. (Self Employed Womens Association SEWA) . , - . . . / .

- , . , . , . . , . . , , . . , - (Financial Literacy) :

, , , , . , . . 2007 . . , . :

. , , . , , - . : . 25% . , , . . , . , , . . 10 . . , .

- / , , . , . . , . : .

. / 2007 - . . .. ( ) - . ( 2 2006). : . : : ( ) ( 2 2006). . ( ) . - . 25 0.10 - 8 . . : - . , , , , . - / . - (1) ( -) (2) (3) (4) () (5) , .

2 . , . . , 9 , . , . . -, .

. , , , , , / . - .

******** :

1. .1

2.

3.

4.

5.

6. / , . , , -38 , , , - 302001

-176, . 8, , , , , 302019

8.- [email protected]

: 0141-2360030-40

: 0141-2811603 09462803807

/

2009

- Poverty to Prosperity through Financial Literacy

: - . . . . . . , .

. . . . . , . . . . , . , . , , - . , . . :

1. , .

2. , .3. , , .4. .5. . , : , .6. , . :

. . . . . . . , , . .

. .

.

: - . , , , . - / , / , , , . : . .

. . . . . / . . .

. . . . - . , . . . - . . .

, .

2003 (The Indian School of Microfinance for Women) 10 2005 (City Centre for Financial Literacy) . - , - - . () ( ) (14 2008 ). 10 . , , ( ) .

. . . . - . , , , , . , , , . . , . , - . . . . . . . , , - , , , , . : . . . . , , , , . . . , .

. , . 65% , . , , , , . . , , , . . , , 2 1.

2. 1

-

3. (Ravi Diwakar Girhe)

4.

5.

6. / , , 2 , . . , 440 001. : 0712 2541034 : 0712-2559823 / 2526504

7.

98- -1, , , , 440 022.

8.- [email protected]

9./ 09850396080

10. /

, ,

. , , .

, -

, ,

- ,

- ,

, , ,

! . . :

- , , : / , 1- 4.7 2.5 2- 2.5 2.2 , , 3- 2.2 , 800 5 :- (exclusion) , , , , ?

- , , , , , ,

, , - :- , : , :- , , : , :- , - - , :-1- , : , , 2- / , (SEWA), - '''' , 3- :- (Internet) ( ) - ? , , - , , - , - :- , -1- - 2- , 3- 4- 5- 6- , , , :- ( ) , 1- :- : , 2- :- - () () () , , () , , , , , , - , :- , , () , , , : ? , , 2003 , [OECD] , , - , ?

, , -, ,

55% 2006 28.5% 50% , , , - , - ?

, , , , , , :

, , : 1. - - - , , , ,

2. 3. :1. , - 11753 1554 - 1000 - 22 , 2. , , , , ,

3. , , , , 4. , 20% , 5. , - - - ,

6. ( : . . 2007 SLBC (FLCC) , , 7. 2001 65.4% 80.3% 59% , , , , , , , 8. 700 41% 10% , 9. , , :1.

2. 3. 4.

5. 6. 7. , , , - 8. , , , 9. , 10. ,

, , , , 500 55% ,

, , , , , 1 :

2 .B4

3

4 ()

5

6 / , ,

, , -834001

7 , ,

, , -834001

8 [email protected]

9/ 09973399632

10 / ( ) , , , , , , , , ,

: - / , , / , : (OECD) : / , , / ; - , / - - , 2011 18.1 1.21 2001 64.83 74.04 ? , ,, : , -20 - , , - , :

, , , , , , , , , , , , , , , , , , , , , , - (RBI Young Scholars Award) . . . . 2010-11 2009-10 40 , , ,, , , , 2010-11

, - ABHAY ( ); (ICICI ) ( ) / , , 2010 135 - , , , 2009-10 ( : . ) ( 500 ) 2010-11 100 2005-06 , , , 2010-11 , , , 200 - 70 , 40 2010 ( ) 2009-10 2010 50.6 5,386 2009-10 2010 28 0.18 3.5 635 - / -- , , , , , , ,

- / / ,

, : : , , , ,

| |

, , , - , |

|

|

| 26-27% |

| - | 8 7 10.30 , 5% 6% | | |

|

: | : | | , , , , , | |

| | 2008 , |

, | : |

1. , |

2. | |

- | |

- , |

- |

- |

- , |

3. : | | : |

|

: |

4. :-

( )

( )

.. . (15 )

()

( | )

5. | , |

6. - | |

7. | |

| | : | |

- () = : |

8. - , , |

9. - , . | : |

10. , |

11. -

- | : - |

12. | : |

13. - - | |

- |

14. -

| |

|

| : , , |

, .. . -

2009 -20 , *1

1. :

) " " 2008 2005 () , 2008 , 2009 2010 ) " : " , - , , , , ) , , () () 2.

) : " " *2 - :

() :

1. ?

, 2. ?

3. ?

4. ? 5. ? -, - ()

1. 2. 3. 4. 5. 6. 7. 8. 9.

10. 11. 12. 13. ) : -8 , 29-30 2008 *3 0.5 60 70 40 , 80 " " , , , - + + +, + , , , + , , + : + + -

( - ) *4

*6

, 2003 , / :

() 50 66 () 40 () 1 () 37 :

() , "" , () , () 10 () , :-

1. 2. 3. , 4. "( ) : - " " *5

2002 501()(3) "( ) , , :

- -: - , , - :

, . , - :

, , :

-

, Email: [email protected]

-------------------------------------------------------------------------------------------

:1. , ; - , , 20102. , ; -8 ,29-30 2006 , 3. ,; , -8 ,29-30 2006,.4. , ; , , , 20065. http://www.financiallit.org/

6. , , ; ,- ,22 2010, ----------------- .

, , , , . , . : '' , , .'' , . [ ] . 2010-2011 52 . .

:

.

- - . , .

- :

,

,

.

, .

.

. , , .

'' 2010-2011'' :

'' 2009'' .

'' '' .

.

.

.

.

, .

, : [] , . . . , . '': ( , , ) 1995'' . .

'' 40 :, [ ] 52 .'' '' '' , , .

:

, .

: , , : . , , , . , . . , / , , . . .

. . 2010-2011 2009-10 37.8 2011 44.6 . 2010 250.94 . 2010 584.32 2010 729.58 . 12 , 3500 900 . . '' 41% . 81% 2 . 41% .'' . : ''51.49 % . 73% . , . 66% 45% , 36% .''

:

. . :

, , , .

. / .

- , , .

/ , , / . :

/ :

-

- .

-

- .

- .

- .

. , .

, , , - , , - .

:

- . , . - , . . , . .

, '' '' . . , , . . , . .

, . , . , ,

Use of Communication channels in Financial Literacy

.

:

. - :

: I

: II

I : II

( , . , . )

. , . - . (Alvin Toffler) : The illiterates of the 21st century will not be those who cannot read and write but those who cannot Learn, Unlearn and Relearn, similarly financial literacy will not be those who know how to save but those who can achieve their financial goals and achieve financial freedom.

. . - 5 9.67% 25% . 83% ? 2.50 50% . , , , , , , . , , , - / .

. . , . :

1. (Intra Personal Communication)

2. (Interpersonal Communication)

3. (Group Communication)

4. (Mass Communication)

- . - / ( Mass Media) .

:

. . 2000 6 10% . 90% 60% . 1000 185 - 18.5% . 75% . . . . ,

, , , . (Interpersonal Communication) - . - . : (Group Communication) -, , . . . . - (Mass Media) :

. . 1995 , . . . . BIG RURAL . 92.7 .. 52 200 . . -, , , . . 1998 - 1 25 . 2001 , , Rural Communication & Marketing Pvt. Ltd. (GRB) . . , , , , , - . . - .

:

- . - 59% . - 45 - 4% . 31% . - . 15 . 80% , . . . (Mass Communication) .

:

. ... . - . 394 500 . 211 - 183 . .. 110 70 ( ) 40 . 10 . .

.. . 250 2008-09 .. US$ 10.78 . .. . 2008 29 . - . - .

:

. - . . 1990 2538 2010 7710 . - . 78.8 . - 10 9 . - . - - , - . . - - . , , . . - . :

. . , 33 84% . . . . FLAME, (Financial literacy agenda for mass communication) The financial Literacy (www.flindia.in) . :

, . . - . . . (SMS) . . :

3 . , , . ;; () . 18 4500 300 70 . .

:

, . .

: . . 13 . . - , , , . , . -- . . , , , , . 150 - .

:

1. 12 . . .

.

2. . .

- .

. 2007 2009 25.1 11% . . . . .

.

.

1. - . .

. . ---------------------------------- : India 2010 ( Published by Govt. of India Ministry of Information &

() Broadcasting

Registrar of News papers Reports 2009

2009

- .

( )

India Media Market Report 2009

Financial Inclusion Booklet Bank of Baroda

indiantelevision.com

Lintas Media Guide 2008

Folk Media & Rural Development

, , , .6 C.6 Use of Communication Channels in Financial Literacy

.

:

: . : . . : . . . . : , , - - . .* , . . . . . , . . , . . :1. -,

2. , 3. . . , . . 13 . . , , . . , , , , , . . . : . . :1. - -, , , () .2. / .3. .4. (- ) / / . 5. , .** 4 , 2009 (FLCC) . .***. . : . . : :1. , 2. , , , , . , . . : . . :1. . . ? , . , , 2. - . . . . - . - . . : : . . - . . . . , - . . . . : : - . , . . . : . . . , . , , , . - : - . . : . . - . , - . , . , , : .. . . . : . . - . . . : . -- . . - . . . . . : , , . : . . . . - - . . . . . , - . . . . . . . .............................................................................................................................. :* , 21 , 2006.** , - 43*** , , iv 5 39 () , , 781003 . 09864456619 :

' , `

, , , - , :

, , , , - - , - , , :

- 1. , - , - 2. 3. - , , - 4. , , 000 5. ' ` '` - - '` 6. :

, , , , (00)*********

- 1.21 , 9% , 40 . 3% 3 , . 3% 3 , . . 619 375 . 54 . . (63) (41) (36) . 17 256 95% .

51.49% / . 27% . . 73% . , 64% . 66% 45% . 36% . 10% 0.6 % .

41% . 6,38,000 85% 2000 . 81% 2 41% . . 10% 14% .

. . .

, . , , , .

.

. .

. ?

?

.

" ."

" ."

. .

, , , , .

2005-06 - .

1. 2.- .

3. 25000/- .

4. 25000/- .

5. .

-

- , 2002, , 1881, ,1949 . . . . . . .

. . 2005 .

,2005 - . .

" " . 50000/- 10,000/- . . 40,000/- . .

6 . . .

. , , , .

16 , 2010 16 , 2010 , 2005 ( , , , , ) .

. -

(i) 1.00 .

(ii) 10,000.00 ,

(iii) 50,000/- .

, , , .

" " () , .

-

, , , -

(i) , , .

(ii) , , .

(iii) 12 12 12 . 24 .

(iv) (v) .

.

- . . 5 " " ( ) . , , , . . , , . 2005 3,90,000 - . .

2025 . 286 . 9% . . . 8262 82000 . 1960 66000 13000 . . . . . . . .

. . .

()

,

751030. 11.

12. -

13.

14. ()

15.

16. /

,

16-, , :Khandagiri

751 030.

17.

,

, ,

16-, , :Khandagiri

751 030..

18. [email protected]@gmail.com

19. / 08895993083

20. / ( )1.

2.

3.

4. .

5. .

: , , , ' ' , , 1969 - '' '' '-' '-' ! - - - - 1969 8262 70,000 , 2005 100 31 100 59 100 69 100 41 06 31 94 (31.7 ), (43 ), (47 ) , , - - - - - . . - , "" , - () ... Ponzi Schemes 1920 90 50% 2008 150 , , , , , - () 2009 154 - , 2005 - 2010 50.6 , 2010 27.54 ! - , , , .. A Thousand Flowers Blooming - - - 17 , - 177 '' - , , - "fortune at the bottom of pyramid" - '' 'Electric Benefit Transfer' (EBT) 2009 600,000 30,000 40 - 10 0.6 - 13 2 :1. - 2. 3. 4. 5. ()6. 100% 7. ( )8. 9. - 10. 11. - ()

- , - 2003 () 8.93 51 - . , ' ' 4.7 2.5 2.2 , , - 2.2 800 5 : , , , , - - - , - - - - - , , , , , .. A Thousand Flowers Blooming 1. - -, , 2. 3. 4. 5. / , , , - 6. 7. (SEWA) - (2009-10) : - - - , ================================================

.6- : . , ( ) , 64 , . . . ; . , ; - - , , . . . . 70% . . , , , - , ( , , , , , ) , . 27.5% - 25 . . . . , . 1969 - 14 1980 6 -- . 2005 16,650 13,619 . 2010 12,150 11,015 . , , - . . . , . , ? ; , ; - . - . , . . , - , . , 50% . , , , : 6, 5, 8, 4 . . , , , ; . . , 100 59 , 100 31 . 100 41 100 69 . , ; , , . , , - () - () . - 4-5 . . - . . , - . , , , . - , , , . , - . - , - , - . . , , - , ; , , , , , - . : : . . - .

. . ; , , . , 2013 3,50,000 . 223473 2012 . .

; , , , , . , . . , : . . . .

, , :- , , , , - . . . . . 2010 . ` 500 . . . . , - . : - . ` 50,000/- . - ` 25,000/- . ` 25,000/- . . - 13 . - . -, . , . . 89,000 . ; , , . . , . . - : : . .

()

. 09820784014 : [email protected]