Science Has Made Man's Life Quite Comfortable

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  • Topic: Indian numbering system, Crore, Lakh
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Financial
 Inclusion
 
State
 of
 the
 Sector
 Report
 
2nd-­‐3rd
 June
 2011
 
Mumbai
 

How
 Poor
 is
 Poor?
 
Poverty Status in India
Planning Commission Approach paper to the 12th Five Year Plan for 2012-17 Tendulkar Committee Report N C Saxena Committee Report Chronic Poverty Report World Bank 32 % (2009) 37% (2009) 50% (2009) 37% (2004-05) 41.5% (2005)

Housing
 
•  Alloca1on
 Required:
 

 
  Total
 Rural
 Housing
 Shortage
 (2012)
  BPL
  APL
  BPL:
 APL
  (in
 Million)
  47.43
  42.69
  4.74
  90:10
 

(Source: Report of the Committee to Formulate Concrete Bankable Schemes for Rural Housing

•  The
 widening
 gap
 between
 urban
 and
 rural
 housing
 exacerbates
 the
 
  already
 deplorable
 condi1on
 of
 the
 rural
 popula1on
 forcing
 them
 to
  migrate
 to
 urban
 areas
 in
 search
 of
 livelihood.
 
 

Weaker
 Sec1ons
 
•  The
 Eleventh
 Plan
 notes
 that
 incidence
 of
 poverty
 among
 certain
  marginalized
 groups,
 for
 example
 STs,
 has
 hardly
 declined
 at
 all.
  Meanwhile,
 research
 based
 on
 panel
 data,
 Na1onal
 Sample
 Survey
 (NSS)
  data
 and
 fieldwork
 in
 Orissa
 and
 Madhya
 Pradesh
 highlights
 the
 dispari1es
  between
 these
 groups
 and
 other
 segments
 of
 the
 popula1on
 and
 the
 fact
  that
 poverty
 has
 persisted,
 especially
 among
 STs.
 
 
  •  “In
 social
 group
 terms,
 over
 80%
 of
 the
 poor
 in
 the
 country
 now
 belong
 to
  socially
 disadvantaged
 groups
 like
 SCs,
 STs,
 the
 most
 backward
 castes
  among
 OBCs
 and
 weaker
 sec1ons
 among
 the
 Muslims.”-­‐
 India
 Chronic
  Poverty
 Report
 

Gendered
 Exclusion
 
Considering
  the
  gender
  divide
  in
  financial
  inclusion
  perspec1ve,
  SHGs
  have
  been
  a
  mode
  to
  promote
  the
  inclusiveness
  amongst
  women.
  The
  following
  table
 clearly
 brings
 out
 the
 evidence
 of
 women
 inclusion
 in
 the
 SHGs.
 
Women
 as
  a
  Percentage
  of
 Total
 (%)
  76.4
  81.5
  80.4
  Gender
 View
 of
 no
 frill
 a/c’s
 (ALW)
 *
  Gender
 RaDo
  Male:Female
 

 31/39
 
 52/59
 
 61/64
 

 
  SHG
 Savings
 (Units)
  SHG
 Credit
 Linked
  (Units)
  SHGs
 Loan
 Outstanding
  (Units)
 

Women
  (Lakhs)
  53.1
  12.94
  38.98
 

Total
  (Lakhs)
  69.53
  15.87
  48.51
 

Male

Female

996641
  509731
  994976
 

1253698
  578315
  1043837
 

(Source: Status of Microfinance in India, NABARD, 2009-10)

Source: ALW * As of March 2011

Financial
 inclusion
 helps
 women
 more
 than
 men
 

SHG
 Linkage
 Decline
 

 
 
 Growth
 in
 SHG
 Bank
 Linkage
 
 
 
 Years
 
 
 
 2001-­‐02
 
 
 
 2002-­‐03
 
 
 
 2003-­‐04
 
 
 
 2004-­‐05
 
 
 
 2005-­‐06
 
 
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