标题： 金融包容性对卡纳塔克邦弱势群体的农村和城市家庭社会经济状况的影响 显示英文标题

标题： Impact of Financial Inclusion on the Socio-Economic Status of Rural and Urban Households of Vulnerable Sections in Karnataka

摘要： 金融包容和包容性增长是当今的热门话题。 包容性增长使处于弱势群体的人们获得力量。 这反过来取决于多种因素，其中最重要的是金融包容，它在促进包容性增长和通过为弱势群体提供定期和可靠的融资来源来减少贫困方面发挥着战略作用。 在这方面，印度政府在推动金融包容的过程中采取了多项措施，以增加未开户家庭对正规金融服务的获取和使用。 本文的目的是评估金融包容的性质和程度及其对弱势群体家庭社会经济状况的影响，重点在于包容性增长。 这是通过金融准入和经济增长的理论背景，并通过对卡纳塔克邦税收地区的原始数据进行分析来实现的。 结果表明，金融包容的性质和程度存在差异。 获得并使用正规银行服务为弱势群体家庭的社会经济状况带来积极变化，这些变化相互关联，从而导致基于此的包容性增长，本文据此提出一个模型，使金融体系更加包容并有利于贫困人口。 显示英文摘要

摘要： Financial inclusion and inclusive growth are the buzzwords today. Inclusive growth empowers people belonging to vulnerable sections. This in turn depends upon a variety of factors, the most important being financial inclusion, which plays a strategic role in promoting inclusive growth and helps in reducing poverty by providing regular and reliable sources of finance to the vulnerable sections. In this direction, the Government of India in its drive for financial inclusion has taken several measures to increase the access to and availing of formal financial services by unbanked households. The purpose of this paper is to assess the nature and extent of financial inclusion and its impact on the socio-economic status of households belonging to vulnerable sections focusing on inclusive growth. This has been analyzed with the theoretical background on financial access and economic growth, and by analyzing the primary data collected from the Revenue Divisions of Karnataka. The results show that there is a disparity in nature and extent of financial inclusion. Access to, availing of formal banking services pave the way to positive changes in the socio-economic status of households belonging to vulnerable sections which are correlated, leading to inclusive growth based on which the paper proposes a model to make the financial system more inclusive and pro-poor.