Analyzing the progress and prospects of financial inclusion in India

Taking data from Financial Access Survey, Global Findex and Reserve Bank of India bulletin, this paper tries to analyze the progress occurred and the future prospect of financial inclusion in India. Our analysis depicts that India has witnessed a quick progress in financial inclusion. Though there is long way to go to achieve the dream of universal financial inclusion, there is no doubt that tremendous progress has been achieved in the recent time. Specifically, after the implementation Pradhan Mantri Jan Dhan Yojana in August 2014, much improvement has happened in opening of bank deposit accounts. Similarly, the post‐dimerization period has seen a rapid growth of digital finance in India. Despite high growth of digital transaction, digital payment among the women, rural people, elderly people, and less educated people is much less than other groups of people. The provision of good digital infrastructure to the remote area, opening of more financial literacy centers and extension of credit to the marginalized people can help to fulfill the true essence of financial inclusion in India.     

Impact of labour attributes and probability of employability in Indian labour market: A sectoral analysis

The structural transition of an economy helps the nations to move from primary to secondary and then to tertiary sector for the total output and employment generation. However, the absence of this systematic structural transition could lead the nation into long‐term imbalances for employment and output. This is happening with India as its economy has directly moved from primary to tertiary sector for both output and employment generation. The present study helps to identify the main reasons about why India is still stagnating with its sluggish primary sector for employment generation. This will also show the existing pattern of occupational choices for the people of different labour attributes. The study usages the fourth and fifth survey of employment and unemployment conducted by the Labour Bureau in 2012–13 and 2014–15 over 1,087,968 individuals of India. The study applies both multinomial logit model and binary logit model for analysing the employment probabilities of the individuals for working in the primary, secondary, and tertiary sectors. The study finds that location and education are the most important factor affecting the employment choices of the individuals, whereas caste and gender are also important but with moderate impact. The location is found crucial factor for primary and secondary sector occupation, whereas secondary sector is neutral in this regard. The service sector is found to have the highest incidences of caste discrimination and favouritism in the labour market. The education has the highest impact on the service sector jobs.     

Studies on glyoxalase 1 isoenzymes in semen stains: polymorphism in Himachal (India) population

One hundred and ten pairs of blood and semen samples and their stains were studied to type glyoxalase 1 (GLO 1) isoenzymes using agarose-starch medium. A good agreement was observed between the phenotypes expressed in blood and semen samples of the same donor. No GLO 1 activity however could be demonstrated in the vaginal swabs tested. The gene frequencies of GLO 1 polymorphs in Himachal population has been worked out and their stability studies carried out at -12 degrees C and at room temperature.     

DNA short tandem repeat profiling of three North Indian populations.

Population: Fifty healthy unrelated individuals were randomly chosen from each of the three populations viz., Bhargavas, Chaturvedies, and Brahmins. Three generation pedigree charts were prepared to ensure sirname endogamy in Bhargavas Chaturvedies and group endogamy in Brahmins subjects were chosen from several parts of Uttar Pradesh, a northern state of the Indian republic.     

High performance liquid chromatographic determination of alcohols with reference to body distribution of methanol.

A method has been developed on reverse phase high performance liquid chromatography for simultaneous determination of methyl, ethyl and isopropyl alcohols under refractive index detection using pure water as the mobile phase. A good separation has been achieved between these alcohols. Detector response was linear with a detection limit of 5 mg/100 ml. Recovery studies were performed by adding known amounts of methyl and ethyl alcohols to blood, lung and liver within the range 80-90%. The reproducibility of the results was always greater than 90%. The quantitative distribution of methyl alcohol in postmortem body tissues and fluids has been reported in three cases of poisoning.     

Field experiments on the competitiveness of males carrying genetic control systems for Aedes aegypti

The competitiveness carrying males of three genetic control systems forAedes aegypti (L.), viz. chemosterilized males, double translocation heterozygote males (T1T3) and distorter double translocation heterozygote males (DT1T3), released into a natural population in the Delhi metropolitanxarea was evaluated using a method based on the principle of release and recapture of marked females. Chemosterilized males and DT1T3 males showed approximately normal competitiveness in the field which is similar to the results obtained from laboratory and field cage experiments. The T1T3 males were found to have reduced competitiveness both in the field and laboratory cage tests, in contrast to previously reported results with unmarked T1T3 males in field cages. The cause of this reduction in competitiveness was not clear.

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Zusammenfassung Es wurde die Konkurrenzkraft vonAedes aegypti — M?nnchen ermittelt nach Anwendung von drei genetischen Verfahren, n?mlich Chemosterilisation der M?nnchen, heterozygote doppelte Translokation (T1T3) und gest?rte doppelte heterozygote Translokation (DT1T3) der M?nnchen, die in eine natürliche Population des hauptst?dtischen Gebiets von Delhi freigelassen wurden; dabei wurde eine auf dem Prinzip des Freilassens und Wiederfangs von markierten Weibchen beruhende Methode verwendet. Chemosterilisierte und DT1T3 — M?nnchen zeigten ann?hernd normale Konkurrenzkraft, was den Ergebnissen von Labor- und Freilandk?figversuchen entspricht. Die T1T3-M?nnchen zeigten verminderte Konkurrenzkraft im Feld und in Labork?figtests, im Gegensatz zu früher berichteten Befunden mit nicht-markierten T1T3-M?nnchen in Feldk?figen. Die Ursache dieser Reduktion der Konkurrenzkraft war nicht klar.