Inclusive Development

Agriculture | MSME | Green Finance | Priority Sector Credit | Manoj Rawat, ValueFin India

Is the resistance amongst banking license aspirants to “Go Rural” due to Lack of Suitable Business Model?

Is the resistance amongst banking license aspirants to “Go Rural” due to Lack of Suitable Business Model? “Let us not be the prisoner of past. Think Beyond. Go to “Bharat” which is ready to offer a business model which is much bigger than our imagination and more profitable than our projections.” A widely prevailing resistance…
Read more

Financial Inclusion – Are we reinventing the wheel?

Financial Inclusion – Are we reinventing the wheel? Can we make a serious attempt to revitalize and rejuvenate the decade old existing institutions? Have we lost all hopes of reviving 93000 Primary Agriculture Cooperative Societies ( PACS, FSS, LAMPS) which can effectively be effective model for delivering holistic Financial Inclusion? 50000 bank branches and 93000…
Read more

Microfinance – Has Poverty alleviation moved out of “spotlight” and shifted goal posts?

Read an article on Microfinance by Kamal Munir on businessinsider.com Kamal has made some interesting points in this article. Quote from his article below “As the new millennium arrived, micro credit had come to be recognised as the ultimate panacea for endemic poverty. Within five years, however, the gloss has started to come off. Long-standing claims…
Read more

Fast forwarding >> Financial Inclusion and Financial Deepening – Mor Committee recommends more…

    Fast forwarding>> Financial Inclusion and Financial Deepening – Mor Committee recommends more…      What the need now is to draw an elaborate yet granular implementation plan spread over a realistic time frame?    In brief the terms of committee on “Comprehensive Financial Services for Small Businesses and Low Income Household” was to…
Read more

Agriculture Business, Food Security and Financial Inclusion

  Agriculture Business, Food Security and Financial Inclusion    “Its often quoted share of agriculture in GDP is < 14% and is continuously shrinking. While the share of pure agriculture in national Gross Domestic Product (GDP) may have declined, the share of agribusiness in  is bound to go up significantly with the demand for value…
Read more

“Financial Inclusion” in India can truly be delivered through a framework which has “Farmers” at its heart. Do we need to realign some of the policies?

More than 2/3rd of India’s population is dependent on Agriculture and allied agriculture activities. Bulk of our farming community belongs to Small and marginal category who own 83 % operational holdings with 63% of farmers being marginal and having landholding <1ha. Any Financial Inclusion framework which is not aligned to these facts and ignores to…
Read more

“The future belongs to nations with grains and not guns” – Dr. Swaminathan

“The future belongs to nations with grains and not guns” said Dr. M. S. Swaminathan at India Science Congress few years back. He made quite a few thought provoking observations during the conference. Hunger is on the increase in India. It is far more widespread than is generally believed. There is need to implement National…
Read more

New bank licences for specialised and innovative banks | Not for creating clones

  New bank licences for specialized and innovative banks | Not for creating clones At one of the recent conference Finance Minister said that he sincerely hopes that when the new banking licences are given,some licences would at least go to the people who have come up with innovative and different model of banking addressed…
Read more

Agriculture & Rural Business in India – Opportunities unlimited !

  Its often quoted share of agriculture in GDP is < 14% and is continuously shrinking. While the share of pure agriculture in GDP may decline, the share of agribusiness in GDP is bound to go up significantly with the demand for value addition continuously increasing in India. Agribusiness can empower India emerge as “Global Agricultural Super…
Read more