Evaluating the access to Common Service Centres for banking services from the perspective of rural women entrepreneur
Vol 9, Issue 2, 2024, Article identifier:
VIEWS - 659 (Abstract) 160 (PDF)
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.
Keywords
Full Text:
PDFReferences
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
DOI: https://doi.org/10.54517/esp.v9i2.1985
(659 Abstract Views, 160 PDF Downloads)
Refbacks
- There are currently no refbacks.
Copyright (c) 2023 Debendra Kumar Sahu, Subash Chandra Nath, Bhubaneswari Bisoyi, Arya Kumar
License URL: https://creativecommons.org/licenses/by/4.0/