Working Paper 2012-7 Effects of Mobile Banking on the Savings Practices of Low Income Users - The Indian Experience Mani A. Nandhi Abstract In 2011‚ sixty-five percent of India’s population did not have access to a bank account (Global Findex 2011). India has the second largest financially excluded poor in the world with more than half of its population considered as financially underserved At the same time‚ India is one of the fastest growing markets for mobile phones. Given the rising mobile phone
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Importance of National Income Statistics There are several important uses of national income statistics and‚ therefore‚ there is great need for their regular preparation. National income estimates provide not only a single figure showing the national income‚ but also supply the detailed figures in regard to the various components of the national income. It is both the figure of national income and the details regarding its various constituents that throw light on the functioning and performance
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High school compared to the university High school and university are two important levels of every education’s foundation in the world. It educates students and gives them the knowledge to help them promote their ability position in the future. The first similarity thing is both of them‚ high school and university‚ have the same purpose and benefits. Students in high school and university will be educated by teacher through giving them more knowledge not only from text books but also from teacher’s
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for the first time in the constitution as : (a) To abide by the constitution and respect its ideals and institution the National Flag and the National anthem. (b) To cherish and follow the noble ideals which inspired our national struggle for freedom. (c) To up-hold and protect the sovereignty‚ unity and integrity of India. (d) To defend the country and render National service when called upon to do so. (e) To promote harmony and the spirit of common brotherhood amongst all the people
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National Accounts • Gross Domestic Product (GDP) measures the final value of all goods and services that are produced within a country in a given time period. • There are 4 types of expenditure: 1. 2. 3. 4. Consumption: expenditure by domestic residents Investment: expenditure by firms on plants & equipment Government purchases: expenditure by governments on goods and services Net exports (exports minus imports): net expenditure by foreigners on domestic goods and services 1 GDP
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Founded by the late José Ramos along with his wife Socorro Cáncio-Ramos‚ the company has evolved from a small stall in Escolta that sold supplies‚ GI novels or US Armed Services Editions books‚ and school textbooks. When the Second World War broke out‚ strict book censorship enforced by the Japanese occupying forces forced them into selling soaps‚ candies‚ and slippers instead‚ buying their merchandise from wholesalers and peddling them to smaller retailers. The Escolta area was razed during the
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The National Flag of a country depicts its identity in the comity of nations. Every country of any significance has a National Flag. This item of a country identifies itself with the character and the typical characteristics of country. Our Indian National Flag came into existence when we achieved our independence from the foreign yoke - the British rule in India. The flag has been well thought of and made to symbolize the ethics of the Indian people and as such‚ identifies with the people. The
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connections and broadband connection in India is 65:1 and the ratio is on the rise. An average mobile phone bill in India is less than $5. The above facts may seem unbelievable to some but this is the situation and the size of the market in India. Let us examine a few more facets of the mobile phone industry in India. Technology Mobile phone technology in India is divided into two distinct technologies‚ GSM and CDMA. GAM or Global system for mobile communications is the more dominant market
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background of national income …………………………………………………3 1.2. Overview of issues of National income in the world………………………………………3 SECTION 2……………………………………………………………………………………5 2.1. Definition of national income ………………………..........................................................5 2.2. Factors that determine national income…………………………………………………...6 2.3. Methods to measure national income………………………………………………………6 2.4. Treatment of national income from abroad………………………………………………...8 2.5. Uses of national income
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National Service It was back in July last year‚ the tuition class was noisy and rowdy‚ but not the usual kind of noisy and rowdy. From outside the class‚ you can hear things from ‘THANK GOD’ to things like ‘WHY ME’. That day is the day the list of National Service participants came out. We were all checking whether we were enlisted or not through text messages. When they finally reply my messages‚ “Tahniah‚ anda telah dipilih untuk……”. My friends are all looking at me smiling and laughing‚
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