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Explaining the Financial Exclusion of the Urban Poor through the Lens of Othering:A Case Study in Bengaluru, India

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  • Rao, Jahnavi

Abstract

Financial inclusion has historically played a large part in the Indian state’s plans for the country’s financial system. However, large sections of the Indian population still lack access to the banking system and formal credit. Existing literature on the issue tends to use a quantitative lens and focus on the rural sections of the country. Therefore, the innovation of this paper lies in the fact that it uses a qualitative approach to the problem and, using Bangalore as a case study, finds that the Othering of the urban poor is a major contributing factor to their exclusion from the formal, public credit system.

Suggested Citation

  • Rao, Jahnavi, 2022. "Explaining the Financial Exclusion of the Urban Poor through the Lens of Othering:A Case Study in Bengaluru, India," ICDD Working Papers 41, University of Kassel, Fachbereich Gesellschaftswissenschaften (Social Sciences), Internatioanl Center for Development and Decent Work (ICDD).
    • Handle: RePEc:ajy:icddwp:41
    as

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    References listed on IDEAS

    as
    1. Shaw, Judith, 2004. "Microenterprise Occupation and Poverty Reduction in Microfinance Programs: Evidence from Sri Lanka," World Development, Elsevier, vol. 32(7), pages 1247-1264, July.
    2. repec:wea:worler:v:2012:y:2012:i:1:p:2 is not listed on IDEAS
    3. Milford Bateman & Ha-Joon Chang, 2012. "Microfinance and the Illusion of Development: From Hubris to Nemesis in Thirty Years," World Economic Review, World Economics Association, vol. 2012(1), pages 1-13, September.
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