000			03565nam a22005177a 4500
001			sulb-eb0026039
003			BD-SySUS
005			20160413122602.0
007			cr nn 008mamaa
008			130702s2013 ii | s |||| 0|eng d
020			_a9788132215066 _9978-81-322-1506-6
024	7		_a10.1007/978-81-322-1506-6 _2doi
050		4	_aHD72-88
072		7	_aKCM _2bicssc
072		7	_aBUS092000 _2bisacsh
082	0	4	_a338.9 _223
100	1		_aBhowmik, Sharit K. _eauthor.
245	1	0	_aFinancial Inclusion of the Marginalised _h[electronic resource] : _bStreet Vendors in the Urban Economy / _cby Sharit K. Bhowmik, Debdulal Saha.
264		1	_aIndia : _bSpringer India : _bImprint: Springer, _c2013.
300			_aXXIV, 134 p. _bonline resource.
336			_atext _btxt _2rdacontent
337			_acomputer _bc _2rdamedia
338			_aonline resource _bcr _2rdacarrier
347			_atext file _bPDF _2rda
490	1		_aIndia Studies in Business and Economics
505	0		_aChapter 1: Introduction: Street Vendors in the Urban Economy -- Chapter 2: The Field: Profile of the Cities -- Chapter 3: Why do Street Vendors Need Finance? -- Chapter 4: Sources of Finance -- Chapter 5: How Can Financial Institutions Help Out? -- Chapter 6: Recommendations and Conclusion.  .
520			_aThis book is the product of a study conducted by the Tata Institute of Social Sciences (TISS) in collaboration with the United Nations Development Programme (UNDP) and Ministry of Urban Housing and Poverty Alleviation (MoHUPA). Its objective is to highlight some of the problems faced by street vendors in conducting their daily business and to examine how financial institutions, especially those in the banking sector, can include street vendors in their credit policies. Data was collected from 15 cities across the country. Not surprisingly, while issues such as public space utilisation have been deliberated upon at length, those concerning the nature of credit transactions and concurrently the financial inclusion of street vendors have scarcely received focussed attention. In the absence of formal credit, street vendors largely depend on loan sharks, who charge high interest rates ranging from 350% to 800% per annum.  The problem of formal credit aside, another equally important factor is the inflexible attitude of the civic authorities towards street vending. Given their informal status, this is particularly apparent because they are forced to conduct business in the absence of legal protection, making them vulnerable to rent seeking by the authorities. The acceptance of the National Policy for Urban Street Vendors by a few states and the subsequent bill to protect the livelihood of street vendors should help them gain legitimacy and subsequently credit to run their businesses at proper rates. The book examines and analyses these issues. .
650		0	_aFinance.
650		0	_aPublic finance.
650		0	_aLabor economics.
650		0	_aDevelopment economics.
650	1	4	_aEconomics.
650	2	4	_aDevelopment Economics.
650	2	4	_aLabor Economics.
650	2	4	_aFinance, general.
650	2	4	_aPublic Economics.
700	1		_aSaha, Debdulal. _eauthor.
710	2		_aSpringerLink (Online service)
773	0		_tSpringer eBooks
776	0	8	_iPrinted edition: _z9788132215059
830		0	_aIndia Studies in Business and Economics
856	4	0	_uhttp://dx.doi.org/10.1007/978-81-322-1506-6
912			_aZDB-2-SBE
942			_2Dewey Decimal Classification _ceBooks
999			_c48131 _d48131