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WOMEN EMPOWERMENT THROUGH PRADHAN MANTRI JAN DHAN YOJANA DURING COVID 19 AND BEYOND : UNDER GENDER INEQUALITY IN INDIA
Authors
Mrs. Smriti
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Keywords
Financial inclusion, PMJDY, Gender inequality, Unbanked Women
Abstract
INDIA is a developing nation with global gender gap ranking 135 out 146 countries (gender gap report ;world economic forum 2022).During the spur period of Covid 19 and beyond that; Pradhan Mantri Jan Dhan Yojana (PMJDY) has acted as the Financial Inclusion tool for empowering of underserved women amid the socio economic challenges and persisting Gender Inequality in India. Financial inclusion is critical to achieving the economic empowerment of women--one of the targets under the fifth Sustainable Development Goal on gender equality. India, in 2014, launched the Pradhan Mantri Jan Dhan Yojana (PMJDY) to promote financial inclusion in every household in the country. The aim of the initiative is to provide the 'financially excluded' access to financial services such as basic savings bank accounts, need-based credit, remittances facility, insurance, and pension. Since then, according to data from the Ministry of Finance, over 460 million bank accounts have been opened; 67 percent of them are in the rural and semi-urban districts, and 56 percent are owned by women.
The significance of this article is to analyze the extent to which the PMJDY acted as a successful tool to bring the women from underserved sector to the center of economy to generate the income ,saving , investment and raising standard of living by empowering women with socio economic gender inequality . The article will also highlight new findings on financial resilience and explore what the data reveal about the most effective strategies reaching those who remain unbanked through the secondary data sources.
IJCRT's Publication Details
Unique Identification Number - IJCRT2309436
Paper ID - 244249
Author type - Indian Author
Page Number(s) - d649-d654
Pubished in - Volume 11 | Issue 9 | September 2023
DOI (Digital Object Identifier) -
No Of Downloads - 111
Author Country - India, 811212, Munger, Munger, 811212, Arts1 All
Publisher Name - IJPUBLICATION | www.ijcrt.org | ISSN : 2320-2882
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Mrs. Smriti, "WOMEN EMPOWERMENT THROUGH PRADHAN MANTRI JAN DHAN YOJANA DURING COVID 19 AND BEYOND : UNDER GENDER INEQUALITY IN INDIA", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.11, Issue 9, pp.d649-d654, September 2023, Available at :http://www.ijcrt.org/papers/IJCRT2309436.pdf
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ISSN: 2320-2882 Impact Factor: 7.97 and ISSN APPROVED Journal Starting Year (ESTD) : 2013
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