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 on the fisheries sector in India, through primary surveys as well as secondary literature, brings out various nuances of the sector and its trade opportunities, the complexities surrounding the supply chain of fish, as well as the evolution of its marketing channels. A distinctive feature of this book is that it carries out a comprehensive mapping of the fisheries supply chain, by taking into account both marine and freshwater fish. It identifies various players, especially traders who take part in the product flow, irrespective of the impact each of them has on the value provided to the end customer. While members of the supply chain include all individuals or organisations between whom interaction takes place, directly or indirectly from the point of production to consumption, this study also distinguishes between primary and peripheral members to make a complex network more manageable. Moreover, the book provides a comprehensive analysis of the emerging marketing channels- both organised and unorganised- in this highly perishable food segment. It provides important insights into the current scenario, focusing on the emergence of newer forms of marketing such as multinationals and e-retailing, while highlighting how traditional forms such as 'mom-and-pop' shops have continued to sustain, despite the challenges they face. The findings from India are also compared to global experiences of other fish producing and exporting countries such as Bangladesh, Indonesia, and Thailand to offer a comparison of the differences and similarities in the supply chains of various countries. The book provides important takeaways for researchers and PhD scholars working in the area of fisheries as well as supply chains. Since this book is based on field visits to different parts of the country it brings out the ground realities along with interesting insights and important policy implications for the sector, and should, therefore, appeal to policymakers as well.

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.