Inequality in financial attainment: an exclusion indicator to social development
by Dinabandhu Bag
International Journal of Education Economics and Development (IJEED), Vol. 14, No. 2, 2023

Abstract: This paper focuses on inter-district inequality in financial attainment by normalising with a reference district. It suggests that the financial achievement of households is more of exclusion and geographic discrimination. The exclusion of rural hamlets from the mainstream is a socio-economic reality that has worsened with geography, socio-demographic or economic barriers. The most banked district of Kangra in Himachal Pradesh is compared against all the 30 districts of Odisha. The tests of dimension wise correlation with components of HDI show significant relations. The FEI (exclusion index) strongly correlates with HDI than the traditional CRISILX-2013. It confirms the test of discrimination. The degree of exclusivity could be lowered with higher branch network capacity.

Online publication date: Mon, 03-Apr-2023

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