| 000 -LEADER |
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| fixed length control field |
01766nam a22001577a 4500 |
| 008 - FIXED-LENGTH DATA ELEMENTS--GENERAL INFORMATION |
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| fixed length control field |
210818b ||||| |||| 00| 0 eng d |
| 100 ## - MAIN ENTRY--PERSONAL NAME |
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| Personal name |
Dutta, Swati and Mehta, Balwant Singh |
| 245 ## - TITLE STATEMENT |
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| Title |
Banking the unbanked: The performance and impact of Pradhan Mantri Jan Dhan Yojana (PMJDY) schemes on poor households in Bihar |
| 260 ## - PUBLICATION, DISTRIBUTION, ETC. (IMPRINT) |
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| Place of publication, distribution, etc |
IASSI Quarterly: Contributions to Indian Social Science |
| 300 ## - PHYSICAL DESCRIPTION |
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| Extent |
40(1), Jan-Mar, 2021: p.5-28 |
| 520 ## - SUMMARY, ETC. |
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| Summary, etc |
The paper examines the impact of PMJDY scheme on the poor households’ financial behavior in terms of savings, borrowings, and active use of bank accounts based on a primary survey conducted in eight villages spread over two districts of Bihar during August 2018. The results show that PMJDY programme has been broadly successful as a financial inclusion strategy related to opening bank account among poorer households particularly those engaged in casual labour activities and illiterate. However poor households are still largely dependent on SHGs and money lenders for accessing credit due to lack of suitable saving products. The Probit regression analysis suggests that education plays an important role in the active use of bank account as very few poor households were aware of the overdraft facility, accidental insurance, and life insurance. Hence, the financial literacy programme as well as suitable savings products for the poor need to be emphasized to improve the functioning of the scheme. – Reproduced |
| 650 ## - SUBJECT ADDED ENTRY--TOPICAL TERM |
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| Topical term or geographic name as entry element |
Financial inclusion, Pradhan Mantri Jan Dhan Yojana, Financial product, Financial literacy, Savings account, Informal institutions. |
| 9 (RLIN) |
26913 |
| 773 ## - HOST ITEM ENTRY |
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| Main entry heading |
IASSI Quarterly: Contributions to Indian Social Science |
| 906 ## - LOCAL DATA ELEMENT F, LDF (RLIN) |
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| Subject DIP |
PRADHAN MANTRI JAN DHAN YOJANA |
| 942 ## - ADDED ENTRY ELEMENTS (KOHA) |
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| Item type |
Articles |
