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Financial Inclusion in Goa

The access to finance in developing countries has been considered as a necessity just like safe water or primary education (Beck and De La Torre: 2006, Leeladhar: 2005). In the developing countries a large section of low income households remains financially excluded. The World Savings Bank institute (2004) stated that in developing countries only 20% population has access to formal financial services. Whereas in developed countries financial services cover majority of the population (Peachy and Roe: 2004). Financial inclusion is the availability of banking services at affordable cost to the disadvantaged section of population. Financial inclusion implies access to various financial services such as loans, savings, insurance and other banking services which help the poor people to acquire education and skills to start their business and to lead their life with dignity. The most important indicator of financial services in a region may be measured by total number of people who have access to bank accounts (Beck and De La Torre: 2006, Littlefield et.al: 2006). Bhandari (2009) stated that internationally, having a current or saving account is not regarded as an exact indicator of financial inclusion. But, in developed countries financial inclusion is generally related to the issues about social exclusion and welfare.