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Financial Inclusion of the Marginalised : Street Vendors in the Urban Economy

Author: Sharit K Bhowmik; Debdulal Saha
Publisher: India : Springer, 2013.
Series: India Studies in Business and Economics; SpringerLink : Bücher
Edition/Format:   eBook : EnglishView all editions and formats
Summary:
This book is the product of a study conducted by the Tata Institute of Social Sciences (TISS) in collaboration with the United Nations Development Programme (UNDP) and Ministry of Urban Housing and Poverty Alleviation (MoHUPA). Its objective is to highlight some of the problems faced by street vendors in conducting their daily business and to examine how financial institutions, especially those in the banking  Read more...
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Material Type: Internet resource
Document Type: Internet Resource
All Authors / Contributors: Sharit K Bhowmik; Debdulal Saha
ISBN: 9788132215066 8132215060
OCLC Number: 858013444
Description: Online-Ressource (XXIV, 134 p, online resource)
Series Title: India Studies in Business and Economics; SpringerLink : Bücher
Responsibility: by Sharit K. Bhowmik, Debdulal Saha.

Abstract:

This book is the product of a study conducted by the Tata Institute of Social Sciences (TISS) in collaboration with the United Nations Development Programme (UNDP) and Ministry of Urban Housing and Poverty Alleviation (MoHUPA). Its objective is to highlight some of the problems faced by street vendors in conducting their daily business and to examine how financial institutions, especially those in the banking sector, can include street vendors in their credit policies. Data was collected from 15 cities across the country. Not surprisingly, while issues such as public space utilisation have been deliberated upon at length, those concerning the nature of credit transactions and concurrently the financial inclusion of street vendors have scarcely received focussed attention. In the absence of formal credit, street vendors largely depend on loan sharks, who charge high interest rates ranging from 350% to 800% per annum. The problem of formal credit aside, another equally important factor is the inflexible attitude of the civic authorities towards street vending. Given their informal status, this is particularly apparent because they are forced to conduct business in the absence of legal protection, making them vulnerable to rent seeking by the authorities. The acceptance of the National Policy for Urban Street Vendors by a few states and the subsequent bill to protect the livelihood of street vendors should help them gain legitimacy and subsequently credit to run their businesses at proper rates. The book examines and analyses these issues.

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