CONTENTS List of Tables and Figures IX List afAnnexures xiii Foreword by K.C. Chakrabarty xv Prefacexvii Acknowledgementsxix Part I Financial Inclusion Analysed Chapter 1 Financial Inclusion Defined 3 Chapter 2 The Long March since 1793 19 Chapter 3 Resource-poor Regions and Financial Inclusion 35 Chapter 4 Women's Empowerment and Sustainable Livelihoods 55 Chapter 5 Strategy to Extend Financial Services to Vulnerable Groups 80 Chapter 6 Financial Inclusion: Index for Rural India 89 Chapter 7 Institutional Changes Required for Financial Inclusion 98 Part II Mapping Demand Side Requirements Chapter 8 Role of Savings 121 Chapter 9 Micro-insurance Innovations 139 Chapter 10 Safe Remittances for the Poor 156 Chapter 11 Understanding Rural Debt 173 Chapter 12 Emerging Trends in Microfinance 194 Chapter 13 Financial Inclusion in Tribal Areas 226 Chapter 14 Inclusion Techniques for Farmers 254 Chapter 15 Technology Options and Inclusion 282 Part III Supply Side Innovations Chapter 16 Reducing Transaction Costs for Banks and Their Clients 327 Chapter 17 Business Correspondent and Business Facilitator Outreach Model for Banks 346 Chapter 18 The Post Office Model 360 Chapter 19 Financial Literacy and Counselling 374 Chapter 20 Micro Pension: A Safety Net for Rutal India 402 Chapter 21 Joint Liability Groups for Farmers 419 Chapter 22 Rural Infrastructure: The Missing Link 439 Chapter 23 Joint Liability Groups for Handloom Weavers 456 Part IV Challenges for the Future Chapter 24Inclusive Growth through Rural Employment 469 Chapter 25 The Micro-enterprises Model 478 Chapter 26 Unique Identification Number and Financial Inclusion 496 Chapter 27 Social Audit Systems: A Need 513 Chapter 28 Best Practices in Financial Inclusion and Case Studies 520 Chapter 29 Initiatives for Financial Inclusion: The Road Map 531 Glossary 551 Index 554 About the Authors 576