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This volume delves into the study of the world’s emerging middle
class. With essays on Europe, the United States, Africa, Latin
America, and Asia, the book studies recent trends and developments
in middle class evolution at the global, regional, national, and
local levels. It reconsiders the conceptualization of the middle
class, with a focus on the diversity of middle class formation in
different regions and zones of world society. It also explores
middle class lifestyles and everyday experiences, including
experiences of social mobility, feelings of insecurity and anxiety,
and even middle class engagement with social activism. Drawing on
extensive fieldwork and in-depth interviews, the book provides a
sophisticated analysis of this new and rapidly expanding
socioeconomic group and puts forth some provocative ideas for
intellectual and policy debates. It will be of importance to
students and researchers of sociology, economics, development
studies, political studies, Latin American studies, and Asian
Studies.
This volume delves into the study of the world's emerging middle
class. With essays on Europe, the United States, Africa, Latin
America, and Asia, the book studies recent trends and developments
in middle class evolution at the global, regional, national, and
local levels. It reconsiders the conceptualization of the middle
class, with a focus on the diversity of middle class formation in
different regions and zones of world society. It also explores
middle class lifestyles and everyday experiences, including
experiences of social mobility, feelings of insecurity and anxiety,
and even middle class engagement with social activism. Drawing on
extensive fieldwork and in-depth interviews, the book provides a
sophisticated analysis of this new and rapidly expanding
socioeconomic group and puts forth some provocative ideas for
intellectual and policy debates. It will be of importance to
students and researchers of sociology, economics, development
studies, political studies, Latin American studies, and Asian
Studies.
This book focuses on the issue of financial exclusion with
particular reference to the urban informal sector in India.
Continuing the work of its predecessor, the current Government of
India is also placing considerable importance on driving policy
initiatives for financial inclusion. However, financial exclusion
in urban areas, especially of the lower strata of the society has
not received the attention it deserves from researchers and
policymakers, even though urban poverty and deprivations are of
considerable importance in the present Indian context. The
challenges of financial inclusion and accessibility in the urban
areas differ substantially from those found in the rural regions
given the fact that the possibility of physical access to financial
services is much higher in urban areas. In order to provide a macro
perspective, the book begins with an analysis of the unit record
data on nature and extent of financial inclusion and access to
credit in urban India, based on Debt and Investment survey data
(59th and 70th rounds) provided by the National Sample Survey
Office (NSSO). In subsequent steps, the book discusses findings
from a primary survey carried out in the state of Karnataka of
self-employed persons engaged in informal services sector. This
exercise has helped to comprehend the ways in which they currently
meet their financial needs for different income generating
purposes, the terms and conditions under which they do so, and the
challenges that remained for possible interventions. Experiences of
other developing nations in their attempts to ensure financial
inclusion and the lesson learnt thereby are the other highlights of
the book.
This book examines the important issue of rural and urban
indebtedness using two important surveys viz., "All India Debt and
Investment Survey," and the "Situation Assessment Survey (SAS)," of
the farmer households. The work highlights the nature and extent of
indebtedness at the national level and also for selected states in
India. It takes into consideration various households level
characteristics such as economic status of the household, social
status and weaker sections such as female headed households.The
analysis draws attention to a number of significant aspects such as
extent of use of loan for different purposes distinguished as
different income generating and non- income generating purposes;
the relation between sources of credit (formal vs. informal), terms
and conditions of a loan and economic and social status of a
household, and so on. It stressed the necessity of strengthening
the Self Help Group Bank Linkage Programme and similar programmes
for farmer groups which can be an effective means to bring weaker
and deprived sections to the net of the formal banks and strengthen
the financial inclusion programme.
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