PDF

Published

2023-12-22

Issue

Vol. 9 No. 2 (2024)

Section

Research Articles

License

The journal adopts the Attribution-NonCommercial 4.0 International (CC BY-NC 4.0), which means that anyone can reuse and redistribute the materials for non-commercial purposes as long as you follow the license terms and the original source is properly cited.

Author(s) shall retain the copyright of their work and grant the Journal/Publisher rights for the first publication with the work concurrently licensed since 2023 Vol.8 No.2.

Under this license, author(s) will allow third parties to download, reuse, reprint, modify, distribute and/or copy the content under the condition that the authors are given credit. No permission is required from the authors or the publisher.

This broad license intends to facilitate free access, as well as the unrestricted use of original works of all types. This ensures that the published work is freely and openly available in perpetuity.

By providing open access, the following benefits are brought about:

  • Higher Visibility, Availability and Citations-free and unlimited accessibility of the publication over the internet without any restrictions increases citation of the article.
  • Ease of search-publications are easily searchable in search engines and indexing databases.
  • Rapid Publication – accepted papers are immediately published online.
  • Available for free download immediately after publication at https://esp.as-pub.com/index.php/ESP

 

Copyright Statement

1.The authors certify that the submitted manuscripts are original works, do not infringe the rights of others, are free from academic misconduct and confidentiality issues, and that there are no disputes over the authorship scheme of the collaborative articles. In case of infringement, academic misconduct and confidentiality issues, as well as disputes over the authorship scheme, all responsibilities will be borne by the authors.

2. The author agrees to grant the Editorial Office of Environment and Social Psychology a licence to use the reproduction right, distribution right, information network dissemination right, performance right, translation right, and compilation right of the submitted manuscript, including the work as a whole, as well as the diagrams, tables, abstracts, and any other parts that can be extracted from the work and used in accordance with the characteristics of the journal. The Editorial Board of Environment and Social Psychology has the right to use and sub-licence the above mentioned works for wide dissemination in print, electronic and online versions, and, in accordance with the characteristics of the periodical, for the period of legal protection of the property right of the copyright in the work, and for the territorial scope of the work throughout the world.

3. The authors are entitled to the copyright of their works under the relevant laws of Singapore, provided that they do not exercise their rights in a manner prejudicial to the interests of the Journal.

About Licence

Environment and Social Psychology is an open access journal and all published work is available under the Creative Commons Licence, Authors shall retain copyright of their work and grant the journal/publisher the right of first publication, and their work shall be licensed under the Attribution-NonCommercial 4.0 International (CC BY-NC 4.0).

Under this licence, the author grants permission to third parties to download, reuse, reprint, modify, distribute and/or copy the content with attribution to the author. No permission from the author or publisher is required.

This broad licence is intended to facilitate free access to and unrestricted use of original works of all kinds. This ensures that published works remain free and accessible in perpetuity. Submitted manuscripts, once accepted, are immediately available to the public and permanently accessible free of charge on the journal’s official website (https://esp.as-pub.com/index.php/ESP). Allowing users to read, download, copy, print, search for or link to the full text of the article, or use it for other legal purposes. However, the use of the work must retain the author's signature, be limited to non-commercial purposes, and not be interpretative.

Click to download <Agreement on the Licence for the Use of Copyright on Environmental and Social Psychology>.

How to Cite

Sahu, D. K., Nath, S. C., Bisoyi, B., & Kumar, A. (2023). Evaluating the access to Common Service Centres for banking services from the perspective of rural women entrepreneur. Environment and Social Psychology, 9(2). https://doi.org/10.54517/esp.v9i2.1985

Evaluating the access to Common Service Centres for banking services from the perspective of rural women entrepreneur

Debendra Kumar Sahu

Faculty of Management, Sri Sri University

Subash Chandra Nath

Faculty of Management, Sri Sri University

Bhubaneswari Bisoyi

Faculty of Management, Sri Sri University

Arya Kumar

Department of Commerce, KIIT Deemed to be University


DOI: https://doi.org/10.54517/esp.v9i2.1985


Keywords: Common Service Centres, banking services, rural development, women entrepreneur

Abstract

The present research investigates the potential for women’s economic involvement to bring about transformational outcomes, specifically focusing on developing countries. This study explores how women’s engagement in economic activities might effectively address poverty and promote gender equality. This study examines the emerging landscape of internet enterprises, providing a crucial opportunity for women who face limitations due to household and societal factors. This study adopts a scholarly perspective by examining the implementation of Common Service Centres (CSCs) by the Indian government. It employs a comprehensive research approach that integrates qualitative and quantitative methodologies. The primary objective is to analyze the usage of government programs, specifically focusing on the engagement of rural women entrepreneurs with CSCs and internet connectivity. The results derived from a comprehensive examination of secondary data and surveys conducted among CSCs and small women-owned offline firms in Chhattisgarh highlight the significant impact of information and communication technology (ICT) on the dissemination of information. The advent of ICT and the integration of CSCs in banking activities have ushered in profound changes in our economic landscape. Cost reduction and increased knowledge accessibility through technological advancements have been instrumental.

References

[1]. Asian Development Bank (ADB). India: Gender equality diagnostics of selected sectors. Available online: https://www.adb.org/sites/default/files/institutional-document/33970/files/india-gender-equality-diagnostic.pdf (accessed on 7 November 2023).

[2]. ESCAP. Unlocking the potential of women’s entrepreneurship in South Asia. Available online: https://www.unescap.org/resources/policy-brief-no-3-unlocking-potential-womens-entrepreneurship-south-asia (accessed on 7 November 2023).

[3]. Asian Development Bank (ADB). Emerging lessons on women’s entrepreneurship in Asia and the pacific: Case studies from the Asian development bank and the Asian foundation. Available online: https://www.adb.org/sites/default/files/publication/459551/women-entrepreneurship-lessons-asia-pacific.pdf (accessed on 7 November 2023).

[4]. Daganzo CF, Gayah VV, Gonzales EJ. The potential of parsimonious models for understanding large scale transportation systems and answering big picture questions. EURO Journal on Transportation and Logistics 2012; 1(1–2): 47–65. doi: 10.1007/s13676-012-0003-z

[5]. Panda S. Constraints faced by women entrepreneurs in developing countries: Review and ranking. Gender in Management: An International Journal 2018; 33(4): 315–331. doi: 10.1108/gm-01-2017-0003

[6]. Loly A, Gaitan G. Overcoming gender challenges in e-commerce: What is being done to support women owned MSMEs. Available Online: https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=&ved=2ahUKEwimyP7krruCAxVUyDgGHR9RBVMQFnoECBMQAQ&url=https%3A%2F%2Fwww.cuts-geneva.org%2Fpdf%2FKP2018-Study-Gender_Challenges_in_e-Commerce.pdf&usg=AOvVaw2sytPOR7KCCJ3hfqKwSPv5&opi=89978449 (accessed on 7 November 2023).

[7]. Duflo E. Women empowerment and economic development. Journal of Economic literature 2012; 50(4): 1051–1079. doi: 10.1257/jel.50.4.1051

[8]. Hong PYP, Stokar HS, Choi S. Psychological and economic self-sufficiency among low-income jobseekers with physical disability barriers. Environment and Social Psychology 2016; 1(1). doi: 10.18063/esp.2016.01.008

[9]. Bhalerao K, Kumar A, Kumar A, Pujari P. A study of barriers and benefits of artificial intelligence adoption in small and medium enterprise. Academy of Marketing Studies Journal 2022; 26(1): 1–6.

[10]. Yu H, Cui L. China’s e-commerce: Empowering rural women? The China Quarterly 2019; 238: 418–437. doi: 10.1017/s0305741018001819

[11]. Liu Y, Zhou Y, Wu W. Assessing the impact of population, income and technology on energy consumption and industrial pollutant emissions in China. Applied Energy 2015; 155: 904–917. doi: 10.1016/j.apenergy.2015.06.051

[12]. Güney-Frahm I. A new era for women? Some reflections on blind spots of ICT-based development projects for women’s entrepreneurship and empowerment. Gender, Technology and Development 2018; 22(2): 130–144. doi: 10.1080/09718524.2018.1506659

[13]. Kumar A, Mohanty D, Mishra A, Chaudhary N. The prolonged movement of non-performing assets in both Indian public and private sector banks: A pragmatic assessment. Journal of Information and Optimization Sciences 2022; 43(7): 1539–1550. doi: 10.1080/02522667.2022.2128513

[14]. Nguyen T, Martinez I. Using information and communication technology to support women’s entrepreneurship in Central and West Asia. Available online: https://www.adb.org/publications/information-and-communication-technology-support-womens-entrepreneurship-central-west-asia (accessed on 7 November 2023).

[15]. UNCTAD (United Nations Conference on Trade and Development). Empowering women entrepreneurs through information and communications technologies: A practical guide. Available online: https://unctad.org/webflyer/empowering-women-entrepreneurs-through-information-and-communications-technologies (accessed on 7 November 2023).

[16]. IAMAI (Internet and Mobile Association of India). Digital in India 2019—Round 2 Report. IMAI; 2019.

[17]. WEF (World Economic Forum). Global Gender Gap Report 2020. WEF; 2020.

[18]. Mukherjee E, Mazar O, Aggarwal R, Kumar R. Exclusion from digital infrastructure and access. Available online: https://defindia.org/wp-content/uploads/2017/09/India-Exclusive-Report_DEF-Chapter.pdf (accessed on 7 November 2023).

[19]. Orser B, Riding A, Li Y. Technology adoption and gender-inclusive entrepreneurship education and training. International Journal of Gender and Entrepreneurship 2019; 11(3): 273–298. doi: 10.1108/ijge-02-2019-0026

[20]. Orser B, Elliott C, Findlay‐Thompson S. Women‐focused small business programming: Client motives and perspectives. International Journal of Gender and Entrepreneurship 2012; 4(3): 236–265. doi: 10.1108/17566261211264145

[21]. Panda K, Kumar A, Das SM, Nanda A. Banker’s services that leads to customer’s satisfaction in availing home loan. Korea Review of International Studies 2022; 15(35): 97–113.

[22]. Panda K, Kumar A, Hota S, Das SM. Service quality, company goodwill and customer perception are the stimuli to customer satisfaction for banks catering home loans. Journal of Information and Optimization Sciences 2022; 43(7): 1529–1538. doi: 10.1080/02522667.2022.2128512

[23]. Sharma SK, Metri B, Dwivedi YK, Rana NP. Challenges common service centers (CSCs) face in delivering e-government services in rural India. Government Information Quarterly 2021; 38(2): 101573. doi: 10.1016/j.giq.2021.101573

[24]. Uthaman VS, Vasanthagopal R. A comprehensive multidimensional conceptual model to assess the e-governance service quality at common service centers in India. In: Proceedings of the Special Collection on eGovernment Innovations in India; 7–9 Mar 2017; New Delhi, India. pp. 99–106.

[25]. Dwivedi YK, Sahu GP, Rana NP, et al. Common services centres (CSCs) as an approach to bridge the digital divide: Reflecting on challenges and obstacles. Transforming Government: People, Process and Policy 2016; 10(4): 511–525. doi: 10.1108/tg-01-2016-0006

[26]. Dass R, Bhattacherjee A. Status of common service center program in India: Issues, challenges and emerging practices for rollout. Available online: https://core.ac.uk/reader/6455060 (accessed on 7 November 2023).

[27]. NIA (National Insurance Academy). Role of Common Service Centres (CSCS) in Inclusive Growth of Insurance. NIA; 2021.

[28]. Sen A. Development as Freedom. Anchor; 2000.

[29]. Sen A. Equality of What? Tanner Lecture on Human Values. Stanford University; 1979.

[30]. Sen A. Capability and well-being. In: Nussbaum M, Sen A (editors). The Quality of Life. Clarendon Press; 1993. pp. 30–53.

[31]. Sen A. Commodities and Capabilities. Oxford University Press; 1999.

[32]. Ministry of Electronics and Information Technology, Government of India, Common Service Center. Available online: https://www.csc.gov.in/ (accessed on 7 November 2023).

[33]. Insights IAS, Stree Swabhiman Initiative. Abailable Online: https://www.insightsonindia.com/social-justice/welfare-schemes/schemes-under-ministry-of-electronics-and-it/stree-swabhiman-initiative/ (accessed on 7 November 2023).

[34]. Sen A. Development as capability expansion. In: Fukuda-Parr S, Shiva Kumar AK (editors). Human Development. Oxford University Press; 1989

[35]. National Sample Survey Organization (NSSO). Operational Characteristics of Unincorporated Non-Agricultural Enterprises (Excluding Construction) In India, NSS 73rd Round: July 2015–June 2016. New Delhi Government of India; 2016.

[36]. Yin RK. Case Study Research: Design and Methods, 3rd ed. Sage; 2003.

[37]. Strenio J. Time heals all wounds? A capabilities approach for analyzing intimate partner violence. Feminist Economics 2020; 26(4): 31–55. doi: 10.1080/13545701.2020.1756375

[38]. Robeyns I. Selecting capabilities for quality of life measurement. Social Indicators Research 2005; 74(1): 191–215. doi: 10.1007/s11205-005-6524-1

[39]. Haenssgen MJ, Ariana P. The place of technology in the capability approach. Oxford Development Studies 2018; 46(1): 98–112. doi: 10.1080/13600818.2017.1325456

[40]. Crocker DA, Robeyns I. Capability and agency. In: Morris C (editors). Amartya Sen: Contemporary Philosophy in Focus. Cambridge University Press; 2010.

[41]. Rosenbaum PR, Rubin DB. The central role of the propensity score in observational studies for causal effects. Biometrika 1983; 70(1): 41–55. doi: 10.1093/biomet/70.1.41



21 Woodlands Close #02-10 Primz Bizhub Singapore 737854

Email:editorial_office@as-pub.com