...Financial Exclusion: India is one of the fastest growing economies in the world, but it still hosts one-third population of the world poors. Studies say, the banking system in India has shown a huge growth however is still unable to reach the remote corners of the nation especially the underprivileged section of the society. According to the data in 2009, 51.4% of the farmer households are financially excluded from both the formal and informal sources, and accounts for 45.9 million out of 89.3 million of this population. 1. Almost three fourth (73%) of all farmer households do not have the access to the formal sources of credit. This makes it more difficult to invest in updating technologies and opportunities. 2. India stands at very low position in the overall ranking of financial inclusion in the world list of countries. Also, it stands at 2nd position followed by china, when considering financially excluded households in the world. 3. Across regions in India, financial exclusion is most acute in central, north-eastern, and eastern regions. They account for almost two-third (64%) of all financially excluded farmer households in the nation. Overall indebtedness to formal sources of finance only acocunts for 19.66% for these regions. According to the census 2011, only 58.7% of the houeholds population are availing the banking services. However it has increased drastically in the rural regions when compared to census 2001. Educational and Social exclusion: ...
Words: 588 - Pages: 3
...than HLL brands. HLL might entered the India first but after economic liberalizations other major FMCG players whom Unilever is competing globally also entered India. So HLL’s vast product line and brands brought great number of competitor at each profit-center that HLL operates in high-price segment. The competition led to price-reduction and resulted profit-loss. Opportunities &Threats for Unilever in Indian Market One of the greatest opportunities in India for Unilever is the number actual and potential customers. India has the second largest population in the world with 1.2 Billion. Majority of this population is young people under 25 years-old and willing to consume. India’s rising GDP and purchasing power is bringing extra opportunities. Unilever is also benefiting from economic and political liberations which ease the commercial operations in many aspects such as taxes, distribution and production. Vast land and great population enables easy access to raw materials and low productions costs to Unilever. On the other side, India is still a developing country. GDP per capita and purchasing power of individuals is very low with...
Words: 1077 - Pages: 5
...Technology and Business Management March 28-30, 2011 India’s Demographic Dividend - Issues and Challenges Arun Ingle P B Suryawanshi inglearun@gmail.com pbsurya@gmail.com Pad. Dr. Vitthalrao Vikhe Patil Foundation’s Institute of Business Management and Rural Development, Ahmednagar 1. Introduction India is transforming demographically, in which the population of a nation slows down and life expectancy increases, participation of women in labor force and rate of saving increases. India has its own issues like illiteracy, income disparity, gap between haves and have-nots; etc. This study explores demographic dividend in case of India by studying issues and challenges, the policies to be implemented and lessons to be learned from countries like Japan, Ireland and Thailand. By 2025, India will have over 65% population under working class. This is a unique window of opportunity for deploying resources. This study explores the benefits to be realized and the policies to be implemented; now India is well poised for becoming a super economic power. As all developed nations will have older population by 2026, as their population is aging. It means if India can take the advantage of this situation, by proper deployment of resources, by converting the human potential in to engine of economic growth. This period of demographic dividend is an opportunity for overall growth; it’s not the guarantee for improving the standard of living. This window of opportunity demands from youth, the...
Words: 4794 - Pages: 20
...FOREWORD In a span of only five years, the population of the Philippines grew by 7.7 million – from 68.8 million in 1995 to 76.5 million in 2000. During this period, the population growth rate (PGR) was 2.36 percent per year, which means the population doubling time will be within 29 years if the rate does not decline (NSO, 2001). Side by side with rapid population growth is poverty, which still grips about a third of the country's 15.3 million households (NSO, 2001a). This Country Report is timely in that it revisits the link between population/development and poverty, environment, and resources. The Report has two purposes. First, it intends to review the Philippine population/development situation, including issues of reproductive health and gender equity, from the perspective of goals affirmed in the Bali Declaration, the ICPD Program of Action and other related documents. The report's second purpose is to highlight priority population issues in the context of alleviating poverty and improving the quality of life of Filipinos. To reduce poverty significantly within the coming decade, the Philippines must face the challenge of building the capacities of its vast human capital. Only in this way can Filipino families, especially the poor, meaningfully, responsibly, and productively participate in the development process. CONTENTS |FOREWORD ...
Words: 36049 - Pages: 145
...1 CHAPTER 1 What is rurality? Nicolette Rousseau BA BRITAIN is primarily a country of urban dwellers. For many, rural areas are seen as an idyll, the antithesis of the ills of urban life. The countryside is a place to 'get away from it all' - a weekend retreat, or somewhere where one might aspire to live. People have images of rolling landscapes or bleak moors, complete with smiling farmers leaning on farm gates. The country air is seen as recuperative, and the environment generally beneficial. McLaren in 1951 argued that city children should be encouraged to go hill walking; today young offenders are sometimes sent on hiking expeditions. Jones and Eyles (1977), in An Introduction to Social Geography, stated: "This book is largely about urban society ... this does not unduly distort the real situation because we live in a predominantly urban society and most of our problems lie in the city." Their view is reflected in the fact that recent interest in health inequalities has tended to be centred on the inner cities. Definitions of rurality in a health care context Definitions of rurality have been neglected in health research. Definitions of deprivation attract frequent papers, with debate over the 'best' definition (Campbell et al., 1991; Morris and Carstairs, 1991; Ben-Shlomo et al., 1992). Researchers into deprivation and health generally choose to use one of two or three main indices of deprivation, such as that described by Townsend et...
Words: 815 - Pages: 4
...China – “The Middle Kingdom” China in Mandarin Chinese in called Zhangguo, this really means “Middle Kingdom” when it is translated into English. The term Zhanggou originated from the Zhou dynasty’s belief that China was the center of civilizations in there part of the world, in which they truly were. They were not aware that in the western hemisphere of the world there were civilizations as well. It was not until the 1900’s that they firmly believed that they were the center of the world and what was surrounding them were savages. The term middle kingdom that China had adopted was surrounded by a firm belief. One of the biggest ones was on how they worked together and contributed much to their modern attitude towards the global economy. Most believe that China was slow to industrialize. That it could have done so a lot faster. Eventually all of those developed nations shifted from working on agriculture to skilled manufacturers who worked in facilities. The only thing that seemed to hold China back was the fact that there policies favored agriculture. Working with their hands doing manual labor on the land had always been good to them. Many great historians give credit to the different belief systems that both China and Europe, their late arrival into industrialization against that of Britain and other European countries. The part of Chinas main beliefs that held true even to this day is that of family. Traditionally you find more families in...
Words: 583 - Pages: 3
...Contraception is easily available and well understood. An ageing population * As people live longer, the structure of a population changes. * Many MEDCs are now experiencing a significant increase in the number of elderly people as a proportion of the population. * As birth rates fall and people have smaller families, the number of young dependants is falling and the number of elderly dependants is rising. * In the near future this will mean that there are fewer economically active people to support the elderly population. * To try to balance out an ageing population, some countries adopt a pro-natalist policy - that is, they encourage people to have more children by offering them benefits, such as access to childcare and maternity leave. * a cash incentive of £675 monthly (nearly the minimum wage) for a mother to stay off work for one year following the birth of her third child * the 'carte famille nombreuse' (large family card), giving large reductions on train fares * income tax based on the more children the less tax to pay * three years paid parental leave, which can be used by mothers or fathers * government subsidised daycare for children under the age of three, and full time school places for over threes paid for by the government Coping with an ageing population in the UK What are the issues? * There are decreasing numbers of economically active people in the population and more elderly dependents. What can be done about it? ...
Words: 348 - Pages: 2
...Michael O’Shea Human Population in Developing Countries Venezuela Venezuela Venezuela is formally known as the Bolivarian Republic of Venezuela. It is positioned on the northern coast of South America. The region is about 353,841 square miles. It is a state with enormously great biodiversity. Environments range from the Andes Mountains in the west, the Amazon Basin rainforest in the south, the Caribbean coast in the center, and the Orinoco River Delta in the East. Venezuela is amid the most established countries in Latin America, massive quantities of the population live in cities. From the time when oil was discovered, it has been the world’s top exporters and has the biggest oil reserves. Currently, Venezuela’s economy is in a sturdy degree of decay and the crime rate has harshly amplified and is among the highest in the world. According to the World Population Prospects the total population was 28,980,000 in 2010, related to only 5,094,000 in 1950. When looking closely at the population the annual growth rate is about 1.46%. The amount of kids under the age of 15 was about 29.5%, 64.9% was between 15 and 65 years of age, while 5.6% was 65 years or older. There are four factors that impact population growth rate they include: birth rates, death rates, emigration, and immigration. The birth rate is typically the lead aspect in defining the rate of population growth. It hinges on both the level of fertility and the age structure of the population. The birth rate gives...
Words: 1470 - Pages: 6
...Mahindra War Room 2013 " Financial Services - Insurance MAHINDRA FINANCIAL SERVICES SECTOR: ‘RURAL HEALTH INSURANCE’ CASELET Mahindra Financial Services Sector offers a range of financial products and services to the under-served customers in rural and semi-urban India. Mahindra Finance is fabled as a success story in rural penetration and poverty reduction through financial inclusion. This caselet, titled ‘Rural Health Insurance’ is one of the 3 optional caselets in this sector. BUSINESS BACKGROUND Mahindra Insurance Brokers Ltd. (MIBL) is a subsidiary of Mahindra & Mahindra Financial Services Ltd. MIBL was granted a Direct Broker Licence by the Insurance Regulatory and Development Authority in May 2004, whereby it offers Direct insurance broking services to Corporate and Retail customers in both Life and Non-Life categories. In September 2011, MIBL was granted a Composite Broker Licence enabling it to foray into Reinsurance Broking, in addition to its Direct Broking activities. MIBL is a total insurance risk solutions provider, helping customers build their risk management portfolios. It is one of the few insurance broking companies in India to have been awarded the ISO 9001:2008 Certification for Quality Management Systems. In addition to offering broking services on standard products, MIBL also provides customized solutions. For example, Mahindra Loan Suraksha is a customized life insurance solution offering Group Credit Term Cover to retail customers with auto and tractor...
Words: 620 - Pages: 3
...COM 102/1-Composition II Lecturer:Anthony Marais Student:Tashbulatova Sabina Hong Kong as an Academic Destination Introduction Hong Kong attracts visitors from around the world for its universities,economic infrastructure, stunning nature,urban culture and the rhythm of the megapolis where ‘’East meets West.’’ Demographics During the 1990s, the population of Hong Kong grew rapidly. Nearly 7 million residents are related to Cantonese ethnic groups,called ‘’Hakka’’and‘’Chiu Chow’’. The society of Hong Kong suffers from an aging population due to the declining birth rate. Particularly, the fertility rate dropped to 1.09 in 2012, indicates the ratio below the replacement rate of 2.1.Simultaneously, life expectancy remains elevated ,and is planned to attain 82 for men and 88 for women by 2031. Hong Kong’s old age dependency rate is expected to enlarge and to exceed Japan by 2060. Language According to the 1996 census, the official languages are Chinese and English, about 3.1% of Hong Kong citizens claimed English as the language of everyday communication and nearly 34.9% identified English as a second language.(Bolton,2000) Despite the ended British governance in 1997, Western culture is deeply entrenched in the country and harmonious with the conventional traditions and Eastern philosophy.(Buckley,1997). Education As a former of British overseas,territory of Hong Kong has retained the UK and US education systems...
Words: 636 - Pages: 3
...date: Mar 27, 2009. Prod. #: ES0961-PDF-ENG This is a two part case study that explores Celtel Nigeria's innovative approach to serving the rural poor. Case A provides an overview of the mobile telecommunications market in Nigeria as of mid 2007, as well as detailed demographic and socioeconomic information. At the time of the case, Celtel Nigeria is the second largest mobile telecommunications company in the Nigerian market. The company has experienced considerable success in serving Nigeria's cities and larger towns, but has only recently shifted its attention to serving poorer consumers in rural areas - a massive but as of yet under tapped market. But this shift from urban to rural has not been easy, and although some 50% of Nigeria's population lives in rural regions the challenges of reaching them sometimes seem overwhelming. The absence of a reliable national electricity grid means that the company's rural telecommunications towers have to be run on diesel generators, resulting in high maintenance and diesel fuel costs. Theft and vandalism of expensive communications equipment and generators has emerged as a major concern, resulting in the need to employ full-time security guards on virtually every base station site outside of urban areas. At the end of case A, Celtel Nigeria's chief operating officer Lars Stork is pondering the challenges of bringing the benefits of mobile telecommunications to Nigeria's rural poor, setting the scene for analysis by students in suggesting...
Words: 316 - Pages: 2
...Prof. Sonya Blevins December 9, 2012 According to international journal of nursing the shortage is a global challenge, affecting every country in the world. However each country experiences it according to its own domestic issues. The purpose of this paper is to analyze three countries nursing population United States, Philippines and South Africa where nursing shortage has affected their health care quality. This article investigates the impact of the nursing shortage in three different countries United States with a rapid aging of its population which has an effect on the health care system, Philippines with the policy of exporting a massive of nurses oversees by the government which in return creates a vacuum in the country for skilled nurses, and South Africa where poor working condition, low wage and social unrest distress the health care system. By using literature as research tools to be able to describe what nursing shortage means for those countries and strategies that they use to address the situation. In United States the nursing shortage is more relate to an aging population. The professional issues in nursing (2009) state that between now and 2015, the population aged 85 years and older will increase by 40%. Therefore not only more nurses will be needed but also due to increase in technology the 21st century patients have shifted from acute illness to chronic illness such as diabetes, hypertension, and cardiovascular disease and live longer. For a quick fix...
Words: 584 - Pages: 3
...To increase the sales of AMUL from 2.5 LPD to 4 LPD, what can be done more and what more can be innovated? * AMUL can venture out on new products like dairy based products , baby food, health drinks, milk shake's of different flavours etc. * In urban markets AMUL 's hoardings were huge success but it has potential to penetrate in rural markets even more successfully by advertising and by campaigning. * AMUL can also look at global markets because now a days in world population in 6 people one is INDIAN and their always becomes emotional when they looks at an INDIAN product so they can use their emotional factor and can launch their low fat variant's and traditional variant's there. * More increase in no. of AMUL branded retail chains to capture the customer attention. * Primarily they targeted child as influencer and launched variant's for them now they can look at to females those are having calcium problem can launch a product for them. Because in INDIA women's are facing problems like austioporosis, austio- arthrarities etc which are causes due to lack of calcium after crossing 40's . So they can target them launch a product for them and they can take it as their campaign strategy and do campaigning in both rural and urban areas. * They can advertise their product's through facebook . * they can co-sponsor a football team and cricket team in INDIA so they can reach to player's and attract and target them and launch product for player's because...
Words: 283 - Pages: 2
...Trends Urbanization is the population growth in urban areas due to rural migration. So, when discussing urbanization trends, we are analyzing the rate of urbanization mostly in terms of quantity. Growth trends that occur with urbanization are population (birth/mortality), income, and education and employment opportunities. Urban growth trends in the world’s poorest countries have led to massive overpopulation and expansion. Urbanization in poor countries is caused by increased opportunities. Urban areas are good places for employment due to their focus on a primarily industrial economy rather than an agricultural one which can be found in rural areas. People find opportunities in urban areas and thus move away from the rural areas to be at a closer distance to their jobs. Developing poor countries may have more promise of a bright future than a rural area. A major city in a poor, developing country is Lagos, Nigeria. Urbanization has occurred in this area due to huge population booms because of refugees and migrants from war. Their plan for urban renewal includes upgrading slum communities with roads, drainage, water supply, electricity, schools and clinics. This major city faces rapid urbanization which can be a challenge. The implications of urbanization in this area are political control and population growth and dynamics. Population has grown from 3,779 in 1978 to 19,167 in 2010. Another implication is that the country’s population growth is 80% and 2% globally; it...
Words: 268 - Pages: 2
...To:Prof Arun K Jain | Submitted By:Ajit JhaVikas HajelaYogesh Verma | WMP08052WMP08093WMP08095 | | Section- B | | Contents Executive Summary: 2 Few common issues in rural education in India 2 Research Objectives 3 Approach 3 References 3 Executive Summary: The number of illiterates in India is estimated to be over 400 million of which 75% live in rural areas. Of the literate population, a significant proportion lack basic vocational skills. India has world-class institutes of higher learning, such as the IITs, IIMs and medical colleges but the rural India still remain isolated to them. India’s most valuable intellectual capital migrates to western countries keeping gap in demand and supply of such intellectual capital in India, therefore we need to develop the equal opportunities for the isolated communities and enable them to access the elitist structure of Indian education. With the weak and tottering foundation India will not be able to achieve social and economic development The key challenge of India is to rapidly provide opportunities to the rural population to empower them with education and make them literate, and develop basic leadership and problem-solving skills. Have strong basic education foundation rural India will be able to raise productivity, entrepreneurship and material standards of living Here we would like to opt to do research into how into how provide solution to the critical issues of primary education in India through innovation...
Words: 702 - Pages: 3
