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BOOKS Acharya, N. (2008). Microfinance and Rural Poor in Orissa, MF and Rural Development, New Delhi, New Century Publications. Ajai, S. Gaur & Sanjaya, S. Gaur (2009), Statistical methods for practice and research, New Delhi, Sage Publications. Alcock, P. (2006). Understanding Poverty, Basingstoke, Palgrave Macmillan. Amartya Sen (2000). Social exclusion: Concept, Application and Scrutiny, ADB. Anderloni, L., Braga, M.D., & Carluccio, E.M. (2007). New Frontiers in Banking Services: Emerging Needs and Tailored Products for Untapped Markets, Berlin and Heidelberg, Springer-Verlag. Barnes, M. (2005). Social Exclusion in Great Britain: an Empirical Investigation and Comparison with the EU, Alder shot, Ash gate. Beck, T., Demirguc-Kunt, A., & Honohan Patrick (2009). Access to Financial Services: Measurement, Impact, and Policies, the World Bank Research Observer Advance Access, Oxford University Press, February. Bhave, C.B. (2009). Is technology inclusive? In Sameer Kochaar, R.Chandrashekar, K.C.Chakraborthy, Deepak.B.Phatak. (Eds..) financial inclusion, New Delhi, Academic Foundation. Carbo, S. Gardener, Edward, P.M. & Molyneux, Philip (2007). Financial Exclusion, Palgrave Macmillan. Chakraborthy, K. C. (2007). Financial Inclusion: Reaching the Unreached. In B. Sujatha (Ed.), Financial Inclusion - Concepts and Strategies, Hyderabad, ICFAI Books, ICFAI University Press.



Chakraborthy, K.C. (2009) Introductory Notes. In Sameer Kochaar (Ed.) Speeding Financial Inclusion, New Delhi, Academic Foundation. Chandrasekhar (2007). Financial Inclusion: Banking for All, MBA review, Hyderabad, ICFAI University Press, July. Clark, A., Forter, A. & Reynolds, F. (2005). Banking the Unbanked - A Snapshot, London, Toynbee Hall. Collis, J. & Hussey, R. (2003). Business research: A practical guide for under graduate and post graduate students, 2nd edition, Palgrave Macmillan, Basingstoke, UK. Das, S.K., Nanda B.P., & Rath, J. (Eds), (2008). Micro finance and rural development in India, New Delhi, New Century Publications. Das, S.K., Rath, J. & Dash, N.C. (2008), Microfinance and rural development in Orissa, MF and Rural Development, New Delhi, New Century Publications. Drabu,

H.A. (2009). Economics and inclusion, In Sameer Kochaar, R.Chandrashekar, K.C.Chakraborthy, Deepak.B.Phatak (Eds.), Financial inclusion, New Delhi, Academic Foundation.

Gariyali, C. K. & Vettivel, S.K. (2004). Women’s Own – The Self Help Movement of Tamil Nadu, New Delhi, Vetri Publishers, pp.175-179. Gloukoviezoff, G. (2007). From Financial Exclusion to Over Indebtedness: The Paradox of Difficulties for People on Low Incomes? In L. Anderloni, M. D. Braga & E. M. Carluccio (Eds), New Frontiers in Banking Services: Emerging Needs and Tailored Products for Untapped Markets, Hamburg, Springer, pp. 213-243. Karmakar, K. G., Banerjee, G.D., & Mohapatra, N.P.(2011). Towards Financial Inclusion in India, New Delhi, Sage Publications India Pvt. Limited.



Kochaar, S. (2009). Speeding Financial Inclusion, New Delhi, Academic foundation. Leeladhar, V. (2007), Taking Banking Services to the Common Man : FI. In B Sujatha (Ed), Financial Inclusion-Concepts and Strategies, Hyderabad, ICFAI Books, ICFAI University Press. Levitas R. (2006). The Concept and Measurement of Social Exclusion. In C. Pantazis, D. Gordon & R. Levitas (Eds.) Poverty and Social Exclusion in Britain: The Millennium Survey, Bristol, Policy Press, pp. 123-160. Lister, R. (2004). Poverty, Cambridge, Polity Press. Pahl, J. (1999). Invisible Money: Family Finances in the Electronic Economy, Bristol, Policy Press. Palharya, S. (2009), Micro Finance and Inclusive Growth in India - In Retrospect and Prospect. In Kanak Kanti Bagchi (Ed.) Micro Finance and Rural Development-A Critical Review, New Delhi, Abhijeet Publications. Pati, A.P., & Lyngdoh, B.F. (2008). Microfinance and Empowerment of Women; MF and Rural Development, New Delhi, New Century Publications. Patra, S. (2008). Micro Credit, SHGs and Empowerment of Women; MF and Rural Development, New Century Publications, New Delhi. Philip, M. (2007). What are the specific Economic Gains from Improved Financial Inclusion? A Tentative Methodology for Estimating these gains. In Anderloni, L., Braga, M.D and Carluccio, E.M (Eds.), New Frontiers in Banking Services: Emerging Needs and Tailored Products for Untapped Markets Berlin: Springer. Prusty, R.R. (2008). Role of Women In rural Development, New Delhi, New century Publications. Rangarajan, C. (2009). Preface, In Sameer Kochaar (Ed.), Speeding Financial Inclusion, New Delhi, Academic Foundation, pp.19-23.



Robinson, M.R. (2001). Microfinance Revolution: Sustainable Finance for the Poor, World Bank Publications, Washington, DC, XXX. Rogaly B. (1999). Poverty & Social Exclusion in Britain: Where Finance Fits in. In B. Rogaly, T. Fisher & E. Mayo (Eds), Poverty, Social Exclusion and Microfinance in Britain, Oxford and London, Oxfam Publishing and New Economics Foundation. Rowntree, S. B. (2000). Poverty: A Study of Town Life, Bristol, Policy Press. Sekaran, U. (2009), Research Methods for Business-A Skill Building Approach, pp 292-295, New Delhi, S.P.Printers. Singh, B.K. (2006). Women Empowerment through SHGs, New Delhi, Adhyayan Publishers & Distributors. Singh, K. (2008), Quantitative Social Research Methods, pp 115-118, New Delhi, Sage Publications. Spicker (2007). The Idea of Poverty, Bristol, Policy Press. Swain, K. & Nayak, G. (2008). Micro Credit through SHGs, MF and Rural Development, New Delhi, New Century Publications. Thingalaya, N.K. (2006). Regional Rural Banks and Financial Inclusion, Reading on Financial Inclusion, Indian Institute of Banking and Finance, pp. 28-38, New Delhi, Taxman Publications Pvt Ltd. Thorat, U. (2006) Financial Inclusion and Millennium Development Goals, Reading on Financial Inclusion, Indian Institute of Banking and Finance, pp. 117-124, New Delhi, Taxman Publications Pvt Ltd. Townsend, P. (1979). Poverty in the United Kingdom, Harmondsworth, Penguin. Walker, A. (1997). Introduction. In A. Walker & C. Walker (Eds), Britain Divided: The Growth of Social Exclusion in the 1980s and 1990s, London, Child Poverty Action Group.



DOCTORAL DISSERTATIONS Abdullah, M.A. (2003). A Study on Women Entrepreneurs in Micro enterprises in Tiruchirappally District, Tamil Nadu, unpublished doctoral dissertation, Bharathidasan University. Chambers, C.L. (2004). Financial Exclusion and Banking Regulation in the United Kingdom: a Template Analysis, Unpublished doctoral dissertation, Bournemouth University. Duraisami, A. (2008). A Study of the Role of SHGs in the Economic Development of Rural Women Entrepreneurs (with special reference to Thanjavur District of Tamil Nadu), Unpublisheddoctoral dissertation, Bharathidasan University. Friedman, R.G. (2005), Putting the ‘micro’ back in microfinance- A Case Study of Two NGOs in India, unpublished doctoral dissertation, Departments of International Studies and Public Service Administration, College of Liberal Arts and Sciences, DePaul University, Chicago, Illinois.. Jalan, A. (2009). Micro Finance: does it affect rural poverty reduction? The case of two villages in southern India, Unpublished doctoral dissertation, Saint Mary’s University, Halifax, Nova Scotia, Canada. Lathika, K.K. (2008). A study on Women Empowerment in Kerala, with special reference to Kudumbashree Project, Unpublished doctoral dissertation, Mahatma Gandhi University. Lederle, N. (2009). Exploring the Impacts of Improved Financial Inclusion on the Lives of Disadvantaged People, Unpublished doctoral dissertation, School of the Built Environment, Herriot-Watt University. Manivel, A. (2005). A Comparative Analysis of Institutionally Supported and Self-Supported Women Micro Entrepreneurs in Tiruchirappally District of Tamil Nadu, Unpublished doctoral dissertation, Bharathidasan University. 467 


Punnoose, A. (2007). Performance of DCB’s of Kerala as MFIs, Unpublished doctoral dissertation, University of Kerala. Rani, A.R. (2007). A Study on the Performance of SGSY Assisted SHG Women Micro Enterprises, in Pudukkottai District, Tamil Nadu, Unpublished doctoral dissertation, Bharatidasan University, Tamil Nadu. Ruby, J.A. (2008), Micro finance and women empowerment–a study of Kudumbashree projects in Kerala, Unpublished doctoral dissertation, Mahatma Gandhi University.

M.Phil THESES Kumar, C, & Mishra, S. (2010), Banking Outreach and Household level Access: Analyzing Financial Inclusion in India, Unpublished M.Phil thesis, Indira Gandhi Institute of Development Research (IGIDR), Mumbai. Pramod, K M. (2004). Spaces of Subordination: The Making of Dalit Colonies in Kerala, Unpublished M.Phil thesis, Mahatma Gandhi University. ARTICLES AND SEMINAR PAPERS Anand, J.S. (2002). SHGs in Empowering Women, Discussion Paper, no.38, Centre for Development Studies, Thiruvananthapuram, pp.1-70. Andrew, L., Signoretta, P., Knights, D., Alferoff, C. & Burton Dawn (2006).Walking with Moneylenders: The Ecology of the UK HomeCollected Credit Industry, Urban Studies, vol.43, no.1, pp. 161-186. Annan, K. (2003). Former UN secretary. Available at



Anuradha, P.S. & Ganesan, G. (2010). Sustainable Development and Fostering Inclusive Growth- through Microfinance in the Indian Economy, Indian Journal of Finance, vol.4, no.10, October, pp.3-7. Bakshi, P. (2009). Banking with the last, the lost and the least, Bank Quest, Vol-80, issue- 3, July-Sept. Beck, T., Demirguc-Kunt, A. & Martinez Peria, M. S. (2007). Reaching out: Access to and Use of Banking Services Across Countries, Journal of Financial Economics, vol. 85, no.1, pp. 234-266. Beck, T., Demirguc-Kunt, A. & Martinez Peria, M. S. (2008). Banking Services for Everyone? Barriers to Bank Access and Use around the World, World Bank

Economic Review, vol .22, no.3, pp. 397-430.

Béland, D. (2007). The Social Exclusion Discourse: Ideas and Policy Change, Policy & Politics, vol.35, no.1, pp. 123-139. Borooah, V.K. (2010). Social Exclusion and Jobs Reservation in India, EPW, vol. XLV, no.52,

December 25-31, pp.31-35.

Bouman F. J. A., & Hospes O. H. D. (1994). Reconstructed: The

Financial Landscapes

Fine Art of Mapping Development, Mansholt

Graduate School of Social Sciences, the Netherlands. Burchardt, T., Le Grand, J & Piachaud, D. (1999). Social Exclusion in Britain 1991- 1995, Social Policy and Administration,vol.33,no.3, pp. 227-244. Chakraborthy, K. C. (2010). Inclusive Growth: Role of Financial Sector, RBI Bulletin, vol. LXIV, no.12, December, pp 2425-2432. Chakraborthy, K. C. (2010). Welcome address, RBI-OECD workshop on delivering financial literacy, RBI bulletin, April 13.



Chakravarty, Satya, R., & Pal, R. (2010). Measuring Financial Inclusion: An Axiomatic Approach. WP-2010-003, Indira Gandhi Institute of Development







Chattopadhay, S.K. (2011), Financial inclusion in India – a case study of west Bengal, RBI working paper, Department of Economics and Policy Research, July. Available at: Devlin, J. F.(2005). A Detailed Study of Financial Exclusion in the UK, Journal of Consumer Policy, vol.28, no.1, pp.75-108. Dhar, S.N. (2009). Strategic Issues in Financial Sustainability of SHGs in India- an Empirical Study, South Asean Journal of Socio-Political Studies (SAJOPS), vol.10, no.1, July- December, pp.67-73. Edward, L. (2008). In Spite of the Gods, eye on microfinance, Issue 8, September. Ellison, A., Collard, S., & Forster, R. (2006). Illegal Lending in the UK: Research Report, London, Department of Trade and Industry. Ghate, P. (2007). Microfinance in India – A State of the Sector Report- 2006, Microfinance India, New Delhi. Available at Harishanker Panicker (2010). Financial Inclusion in Urban Areas, Project Report, RBI, Thiruvananthapuram. Available at   Harper, M. (2006). No Nonsense: A Candid Interview with Malcolm Harper, eye on Microfinance, issue 2, August. Harvey, P., Pettigrew, N., Madden, R.., Emmerson, C., Tetlow, E., & Wakefield, M. (2007). Final Evaluation of the Saving Gateway 2 Pilot, London, HM Treasury.



Hayton, K., Percy, V., Latimer K., & Chapman, M. (2007). Financial Inclusion: A Topic Report from the Scottish Household Survey. Edinburgh, Scottish Executive. Houston, S. J. (2010). Measuring Financial Literacy, The Journal of Consumer Affairs, vol.44, No.2.   Ignacio, M. & Kumar, K. (2008). Banking on Mobiles: Why, How, for Whom? Focus Note 48. Washington, D.C.: CGAP, June. Jefferis, K. (2007). Enhancing access to banking and financial services in Botswana, Fin marks Trust. Jennifer, I. & Koker, L.D. (2009). AML/CFT: Strengthening Financial Inclusion and Integrity. Focus Note 56. Washington D.C, CGAP. Jeromi P. D. (2006). Regulation of Informal Financial Institutions: A Study of Money Lenders in Kerala, Reserve Bank of India Occasional Papers, Vol. 28, No. 1, Summer, pp.1-32. Joshi, N. C. (1998). Restructuring Credit System for Rural Development, Kurukshetra, pp.36-38. Kamath, R., Mukherjee, A., & Standstorm, M. (2010), Accessing Institutional Finance: A Demand Side Story for Rural India, EPW vol. XLV, No.37, September, pp.56-62 Kaul, R. C. (2011). Financial Inclusion-A business Opportunity for Banks, Indian Economic Panorama, vol.21, No.1, April. Kelkar. (2008). Financial Inclusion for Inclusive Growth, N P Sen Memorial Lecture at Administrative Staff College of India-Hyderabad, January 13.



Kempson & Whyley (1999). Kept Out or Opted Out? Understanding and Combating Financial Exclusion, Bristol, Policy Press. Kempson, E. & Whyley, C. (1998). Access to Current Accounts. British Bankers Association. Kempson, E., Atkinson, A., & Pilley O. (2004). Policy level response to financial exclusion in developed economies: lessons for developing countries, Report of Personal Finance Research Centre, University of Bristol. Krishnakumar, R. (2012). Emerging Kerala,- Banking for all, Frontline, Volume 29, Issue 01, January, pp 14-27. Kumar, A. (2005). Access to Financial Services in Brazil, Washington D.C., the World Bank. Kumar, S. L. & Selvaraj, V. (2010). Customer Services and Financial Inclusion, Indian Economic Panorama. Vol.XVI, issue 6, July-august, pp 55-58. Leyshon, A. & Thrift, N. (1995). Geographies of Financial Exclusion: Financial Abandonment in Britain and the US, Transactions of the Institute of British Geographers, New series, vol. 20, no.3, pp.312-341. Lister, R. (1990). The Exclusive Society: Citizenship and the Poor. London, Child

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Luce, E. (2008). In Spite of the Gods, eye on microfinance, Issue 8, September. Mahajan, V. (2008). Eye on microfinance, Issue 7 (Special edition), June. Mahajan, V., & Laskar, S. (2009). Measuring Financial Access-Some Lessons for India, the Journal of Indian Institute of Banking and Finance, July-Sept.



Mathew, P. M. (2007). A Major Paradigm Shift, The Hindu Survey of Indian Industry, pp 59-65. Mayoux, L. (2002). Women’s Empowerment and Participation in Micro Finance: Evidence, Issues and Ways Forward, Micro-finance and Women’s Empowerment in India, pp.1-43. Mehrotra, N., Puhazhendi, V., Nair, G., & Sahoo, B.B. (2009). Financial Inclusion-AnOverview, Department



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Research, NABARD, Occasional Paper, No. 48, Mumbai. Midgley, J. (2005). Financial inclusion, Universal Banking and Post Offices in Britain, Area, vol. 37, no.3, pp. 277-285. Mor, N. & Ananth, B. (2007). Inclusive Financial Systems: Some Design Principles and a Case Study, Economic and Political Weekly, March, Vol. XLII, no.13. Moreno. L. A. (2007). Extending Financial Services to Latin America’s Poor. The Mc Kinsey Quarterly, special edition: shaping a new agenda for Latin America. Mukherjee, P. (2010). Speech delivered by Hon’ble FM at the RBI – OECD workshop on Financial literacy at Bangalore on March 22-23, 2010,RBI Bulletin, April. Mukhopadhyay, B. K. (2010). What Financial Inclusion Means: Is a New Paradigm Needed? Indian Economic Panorama, Vol.XVI, issue 6, July-august, pp 72-75. Nagpurkar, S. (2010). Financial Inclusion In the City of Mumbai - A Study of Urban Poor: Migrants and Non-Migrants, Indian Journal of Social Development, vol.10, no.2,

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Namboodhiri, N.V. & Shiyani, R. L. (2001), Potential Role of SHGs in Rural Financial Deepening, Indian Journal of Agricultural Economics, vol.56, no.3, July-September, p.401. Oppenheim, C., & Harker, L. (1996). Poverty: The Facts, London, Child Poverty Action Group. Pandey, D.P. (2007). Financial Inclusion: Role of Micro Finance Institutions, Rajiv

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Panigrahi, S. (2010). Self Help Group (SHG) - Bank Linkage Programs: Focusing on the Inclusion of Financially Excluded People, Indian Journal of Finance, vol.4, no.10, October, pp.48-54. Pankaj, A.K. & Tankha, R. (2010). Empowerment Effects of the NREGS on Women Workers: A Study in Four States, EPW, vol.XLV, no.30, July, pp.45-55. Patrick, H. (2007). Cross Country Variation in Household Access to Financial Services, World Bank Conference on Access to Finance, March 15-16. Priya, B. & Srivastava, P. (2005) Scaling-Up Microfinance for India’s Rural Poor, Research Working Paper 3646, The World Bank South Asia Region, Finance and Private Sector Development Unit. Priya, B. (2005). A Financial System for India’s Poor, EPW, September 10, pp.4008-4012. Priya, B. (2006). Improving Access to Finance for India’s Rural Poor, Direction in Development,

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Raghuwanshi, D.B. (2010), Microfinance: Present Scenario and Emerging challenges,” Southern Economist, vol.49, no.1, May 1, pp.15-20. Ramankumar (2009), Project report on financial inclusion, Rural planning & Credit Department, Reserve Bank of India, New Delhi. Ramapal and Rupayanpal (2012), Income Related Inequality in Financial Inclusion and Role of banks: Evidence on Financial Exclusion in India, WP-2012-013, Indira Gandhi Institute of Development Research, Mumbai, June 2012. Available at Ramji, M. (2009). Financial Inclusion in Gulbarga: Finding Usage in Access. Working Paper Series No.26. IFMR Centre for Microfinance, Chennai. Rao, N. (2010). Financial Inclusion-Banker’s Perspective, the Journal of Indian Institute of Banking & Finance (Bank Quest),vol. 81, no. 4, October-December, pp20-26. Rao, S. (2010), RBI Bulletin, January. Rao, S. (2010). Governors welcome address, RBI Bulletin, February. Rasure, K. A. (2011). Micro Finance - banking for the Poor, Indian Economic Panorama, vol 21, No-1, April. Regan, S. & Paxton, W. (2003). Beyond Bank Accounts: Full Financial Inclusion, London, Citizens Advice Bureau and Institute for Public Policy Research. Ross, L. (1997). Financial Development and Economic Growth: Views and Agenda,” Journal of Economic Literature, Vol. XXXV, June, pp. 688-726. Sarma, M. (2008). Index of Financial Inclusion, Indian Council for Research on International Economic Relations, June, Working Paper No. 215. Available at 475 


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