Review of Professional Management

Pradhan Mantri Jan Dhan Yojna: A Roadmap to Achieve Financial Inclusion and Sustainable Development among Scheduled Tribes—Evidence from Kerala

Reshma Kurussiveettil¹ and K. Kanniammal¹

First Published 23 Dec 2024. https://doi.org/10.1177/09728686241298747

Article Information

Volume 22, Issue 2 December 2024

Corresponding Author:

Reshma Kurussiveettil, Department of Commerce, Avinashilingam Institute for Home Science and Higher Education for Women, Coimbatore 641043, Tamil Nadu, India.
Email: 20phcof003@avinuty.ac.in

1 Department of Commerce, Avinashilingam Institute for Home Science and Higher Education for Women, Coimbatore, Tamil Nadu, India

Creative Commons Non Commercial CC BY-NC: This article is distributed under the terms of the Creative Commons Attribution-NonCommercial 4.0 License (http://www.creativecommons.org/licenses/by-nc/4.0/) which permits non-Commercial use, reproduction and distribution of the work without further permission provided the original work is attributed.

Abstract

The financial system has changed due to recent advancements in banking and insurance, but it is only available to some groups of society while excluding others, which is known as ‘financial exclusion’. Every nation strives relentlessly for comprehensive financial inclusion in order to achieve both inclusive growth and overall development. This study aims to analyse the role of the Pradhan Mantri Jan Dhan Yojna (PMJDY) on financial inclusion among tribes of Kerala. A structured schedule was used to collect primary data from 395 tribal respondents of the Attappady tribal area. The data were analysed through the statistical program for the social sciences by using the chi-square test, and the study found evidence that there is a strong association between the perception of tribes about the impact of the PMJDY scheme on financial inclusion. The results support further promoting Scheduled Tribes’ access to and use of the specific scheme in order to ensure the inclusive development of the society.

Keywords

Pradhan Mantri Jan Dhan Yojna; awareness, financial inclusion, sustainable development, perception, tribes of Kerala

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