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Loan waivers by government are an impediment to advancement of financial inclusion and needs to be examined
critically in the report.
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The feedback from Credit Bureaus like Highmark and Equifax needs to be taken. The report should also document
their contribution and value addition to the sector. Feedback of mainstream credit bureaus like CIBIL also needs to
be taken. Issues related to SHG-Credit Bureau problem also needs to be undertaken.
•
Dormant accounts give a confusing picture of financial inclusion as it does not serves any purpose. The report could
present an analysis of the reasons for account being dormant and possible suggestions how it could be revived and
facilitated by the government.
•
Focus on the impact which gradually took a back seat in previous year reports. The participants and stakeholders
should share as many research-based evidence of impact which can be included in the report.
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With regard to structuring of the chapters, at the end of each chapter we can summarize giving opportunities,
challenges, and policy recommendations.
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Largely we have to position the report around inclusive growth debate, the effort should be to position FI in the
larger landscape of Inclusive growth.
(Vipin Sharma, Ramesh Jalan, N. Jeyaseelan, Shweta Banerji, Amit Arora, Madhu Saran, P.C. Sabharwal, Vijayalakshmi
Das, Pallavi Sen, Radhika Aghashe, Sachin Hirani, A.K. Chauhan)
Microfinance for PwDs, Minorities and Dalits
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We have to give space to the marginalized sections which are not very visible like PwDs, elderly, etc. Largely we have
to position the report around inclusive growth debate, our effort will be to position financial inclusion in the larger
landscape of Inclusive growth. We also need to discuss about entitlements like social security, pensions, insurance in
a separate framework.
•
Last year, the microfinance community conducted workshops on NRLMand NULM. One important thought which
came up during the workshops was about collectivization of different segments of people like PwDs, minorities,
transgender and disaster affected people. For PwDs it is difficult to form JLGs at all the places. Hence a different
process of collectivization and financing needs to be adopted.
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NSFDC interest also lies in providing livelihood support to SC/STs in backward regions of the country where
chronic poverty lies because money is not flowing in that area. It is also a question of developing the region, and
there is no in situ growth.
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IFAD is running many projects for tribals and PVTGs in the states of Jharkhand and Odisha. Remoteness has been
a great challenge in implementation of the projects. There are other challenges like informal cashless economies,
need for very tiny amount of loans and lack of participation by local communities which also affects the delivery of
projects. The case studies from such projects should be included in the report.
(Tara Nair, Navin Anand, R.K. Singh, Meera Mishra)
Gender Aspects
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Gender participation and mainstreaming should be the prime focus of the report and be highlighted separately as
even government announced at least one bank account per household is meant for women.
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The gender issues also needs to be looked at. The demand side needs of women like education loan are not met by
the supply side as men with bigger ticket size are more attractive to banks than women. We can have a section on
how loan size excludes women from access to these financial services. Also due to KYC norms, the women remain
excluded from accessing financial services.
