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Determinants of Financial Inclusion in Tribal Districts of Odisha: An Empirical Investigation

The study has tried to investigate the status of the financial inclusion of tribal people in two tribal concentrated districts, namely Bolangir and Mayurbhanj, in the state of Odisha. Field investigations were undertaken to find out the status of financial inclusion in six villages of these two districts where the proportion of the tribal population was larger than that of the total population. Primary data were collected from 300 households by using a semi-open survey schedule. It was found that about 71.7 per cent of households had no savings bank accounts; 70.7 per cent were not involved in self-help group activities and 97.7 per cent did not have post office savings accounts. Additionally, a logit regression model was used to identify the various determinants of financial inclusion of tribal households. The results revealed that years of education attained by the household head, size of private-owned land, total annual income of the household and participation in the Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS) were significant determinants for financial inclusion among tribal people.