Financial Inclusion of Migrant Female Labourers in Kerala: A Study with Special Reference to Ernakulam
Journal Title: International Journal of Humanities and Social Science Invention - Year 2018, Vol 7, Issue 3
Abstract
India’s growth has been always been characterized by regional and sectoral imbalances. Hence labour mobility from less developed regions to economically better-off regions within India is an inevitable phenomenon. The promise of higher wages and better work opportunities also draw migrants in large numbers from rural areas to urban locations. Such labour mobility is thus central to the growth of the Indian economy, which is largely driven by the service and industrial sectors. For several of these migrants, migration is a vulnerable and insecure process, yet it is a journey that they must undertake for survival. Yet within the discourse of financial inclusion of migrant workers, social protection measures for migrants and their unique social security requirements have largely been ignored. So what about the female migrants? The policies and development practices does not take into account the specific financial needs of female migrants and their households .Their needs are neither addressed by existing financial inclusion models nor adequately discussed in debates surrounding financial inclusion of migrants. This paper seeks to address this gap by trying to find answers to three key questions: (i) what are the economic risks that migrants face?; (ii) What are the specific financial needs of female labourers and (iii) Can targeted financial services aid in better management of the afore mentioned socio-economic risks?
Authors and Affiliations
Dr Thushara George
Keywords
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