Bøger af Saibal Ghosh

Malgré les effets bénéfiques de la finance sur la croissance, l'accès au financement, en particulier pour les pauvres, est une préoccupation constante pour les décideurs politiques. Ce défi est d'autant plus manifeste dans les grandes économies émergentes telles que l'Inde, où plus d'un tiers de la population vit avec un revenu de subsistance. Conscientes de ces préoccupations, les autorités ont pris des mesures importantes - en termes de politiques, de produits et de pratiques - pour garantir une croissance plus inclusive. Dans cet environnement dynamique, la monographie évalue le processus d'inclusion financière en Inde. Nous commençons par résumer la philosophie, la raison d'être et le processus d'inclusion financière, puis nous mettons en lumière l'expérience internationale, en résumant les principaux enseignements. Ensuite, nous explorons la manière dont l'agenda de l'inclusion financière a été remodelé dans le contexte de la crise financière mondiale. Ensuite, nous analysons l'expérience indienne, en mettant l'accent sur certaines des initiatives clés qui ont été entreprises récemment, complétées par des preuves empiriques, le cas échéant. Vers la fin, nous évoquons le rôle des banques centrales dans le mouvement d'inclusion financière et nous terminons par quelques remarques finales.

Nonostante gli effetti benefici della finanza sulla crescita, l'accesso ai finanziamenti, soprattutto per i poveri, è una preoccupazione perenne per i politici. La sfida è ancora più evidente nelle grandi economie emergenti come l'India, dove oltre un terzo della popolazione vive con un reddito di sussistenza. Riconoscendo queste preoccupazioni, le autorità hanno intrapreso misure significative - in termini di politiche, prodotti e pratiche - per garantire una crescita più inclusiva. In questo contesto dinamico, la monografia valuta il processo di inclusione finanziaria in India. In primo luogo, vengono illustrati la filosofia, le motivazioni e il processo di inclusione finanziaria, per poi evidenziare l'esperienza internazionale, riassumendo le principali indicazioni. Successivamente, esploriamo come l'agenda dell'inclusione finanziaria sia stata rimodellata sullo sfondo della crisi finanziaria globale. In seguito, analizziamo analiticamente l'esperienza indiana, sottolineando alcune delle iniziative chiave intraprese negli ultimi tempi, integrate, se necessario, da evidenze empiriche. Infine, esaminiamo il ruolo delle banche centrali nel processo di inclusione finanziaria e concludiamo con alcune osservazioni conclusive.

Não obstante os efeitos benéficos das finanças sobre o crescimento, o acesso ao financiamento, especialmente para os pobres, é uma preocupação constante para os decisores políticos. Este desafio é ainda mais evidente em grandes economias emergentes como a Índia, onde mais de um terço da população vive com rendimentos de subsistência. Reconhecendo estas preocupações, as autoridades adoptaram medidas significativas - em termos de políticas, produtos e práticas - para garantir um crescimento mais inclusivo. Neste ambiente dinâmico, a monografia avalia o processo de inclusão financeira na Índia. Em primeiro lugar, apresentamos a filosofia, a lógica e o processo de inclusão financeira e, em seguida, destacamos a experiência internacional, resumindo as principais conclusões. Posteriormente, exploramos a forma como a agenda da inclusão financeira foi reformulada no contexto da crise financeira mundial. Posteriormente, investigamos analiticamente a experiência indiana, destacando algumas das principais iniciativas que foram empreendidas nos últimos tempos, complementadas com provas empíricas, conforme apropriado. No final, sintetizamos o papel dos bancos centrais na promoção da inclusão financeira e terminamos com algumas observações finais.

The world of economics and management is being reshaped in more ways than one including rapid advancements in technology and business practices. This book weaves together a diverse set of issues such as consumption patterns, wealth disparities and the management, behaviour and financial health of businesses and consumers to analyse the effectiveness of economic and business strategies. Rapid technological advancements along with the need for cost-effectiveness and convenience are making service providers embrace technology as a partner rather than a tool in their economic journey. Relatedly, traditional management philosophy is coming under a scanner, with an increasing emphasis on holistic development of the organization, rather than a top-down approach, as has been the case in the past. Understanding major developments in economic and financial policymaking has perennially been a key concern of public policy, shaped by recent global and related developments, this has necessitated a relook at these issues, couched in a cross-cutting perspective. Viewed from this standpoint, the present volume, written to honour the rich academic work of the eminent economist Professor Anindya Sen intersects this triad of economics, finance and public policy that are integral to policy thinking and its formulation. The smorgasbord of research ideas, involving both theoretical analysis and empirical evidence, presented in this volume, provides useful perspectives on the drivers that are continually reshaping the dynamism in the world around us and, in the process, integrates a multidisciplinary perspective of focusing on several pertinent policy challenges.This book will be useful to researchers and students of economics, finance and public policy, economic theorists, microeconomics, and even to those with a broader canvass such as researchers in macroeconomics, international economics, business, management and marketing.

Notwithstanding the benefits effects of finance on growth, access to finance, especially for the poor, is a perennial concern for policymakers. The challenge is all the more manifest in large emerging economies such as India where over a third of the population live on subsistence income. In recognition of these concerns, the authorities have undertaken significant measures - in terms of policies, products and practices ¿ to ensure more inclusive growth. In this dynamic environment, the monograph assesses the financial inclusion process in India. We first encapsulate the philosophy, rationale and the process of financial inclusion and thereafter highlight the international experience, summarizing the key takeaways. Subsequently, we explore how the financial inclusion agenda was reshaped against the backdrop of the global financial crisis. Thereafter, we analytically investigate the Indian experience, emphasizing some of the key initiatives that have been undertaken in recent times, supplemented with empirical evidence, as appropriate. Towards the end, we syncopate the role of central banks in the financial inclusion drive and end with some concluding remarks.