Pembaikan pengangkutan bandar untuk meningkatkan mobiliti sosial di Malaysia

Akses kepada pengangkutan adalah penting bagi memperbaik mobiliti sosial dalam kalangan komuniti berpendapatan rendah di Kuala Lumpur, khususnya bagi manfaat penduduk unit kediaman kos rendah. (Foto: Samuel Goh/World Bank) Sejak beberapa tahun lepas, Malaysia telah mempamerkan perkembangan yang begitu ketara dari aspek peningkatan mobiliti sosial sejajar dengan usahanya untuk mencapai status negar...

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Taking digital banking services to remote villages in north eastern India

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Ang Dolma Sherpa, an expert carpet weaver in West Sikkim is one of the 200-300 women weavers in the region who are benefiting from the project’s interventions
Ang Dolma Sherpa, an expert carpet weaver in West Sikkim is one of the 200-300 women weavers in the region who are benefiting from the project’s interventions. Photo: World Bank

Until six months ago, people in the remote corners of India’s Himalayan state of Sikkim had to travel long distances over the hillsides to do simple banking transactions.

When they did reach a bank, it was usually overcrowded and understaffed. This made it difficult for rural folk, unfamiliar with formal financial systems to deposit or withdraw money, let alone borrow to meet their needs.
 
Now change is in the air. Ever since the North East Rural Livelihoods Project (NERLP) - supported by the World Bank - helped banks in Sikkim’s western and southern districts engage local women self-help group (SHG) members as their business correspondents, people in these distant parts have been able to bank at their doorsteps.
 
While the concept is not new in India, the two correspondents - one for each district - have proved to be nothing short of a miracle for this far-flung region. They have fanned out across mountain villages, equipped with palm-sized micro-ATMs, biometric readers, and internet-connected thermal printers. Villagers can now deposit their money easily, earn interest, and withdraw whenever needed.
 
In the six months since the correspondents were first introduced, business has soared. “In November 2018, when we first began, I did about 160 transactions worth Rs.1.2 million. As awareness has grown, this has risen steadily, and in March 2019 I did over 260 transactions worth Rs. 2.4 million,” explained Lila Shilal, business correspondent for the IDBI Bank in West Sikkim’s Jorethang block.
 
Shilal has also benefitted in the process. She has started earning more than Rs.10,000 a month from the bank in transaction fees and commission and has used the amount to set herself up as an entrepreneur.
 
The project has introduced another financial service as well, this time at the bank itself. Here, bank sakhis - or female banker friends – help village folk and SHG members fill out forms and apply for loans.
 
This new cadre of women business correspondents and bank sakhis has not only benefitted local communities and given SHG members a new livelihood opportunity, it has also made life simpler for the region’s bankers.

[post_excerpt] => Ang Dolma Sherpa, an expert carpet weaver in West Sikkim is one of the 200-300 women weavers in the region who are benefiting from the project’s interventions. Photo: World Bank Until six months ago, people in the remote corners of India’s Himalayan st... [post_date_gmt] => 2019-04-22 13:00:00 [post_date] => 2019-04-22 14:00:00 [post_modified_gmt] => 2019-04-22 13:00:00 [post_modified] => 2019-04-22 14:00:00 [post_status] => publish [comment_status] => closed [ping_status] => closed [guid] => 1622 at http://blogs.worldbank.org/endpovertyinsouthasia [meta] => Array ( [post_url] => Array ( [0] => http://blogs.worldbank.org/endpovertyinsouthasia/taking-digital-banking-services-remote-villages-north-eastern-india ) [enclosure] => Array ( [0] => //?# ) [syndication_source] => End Poverty in South Asia - Promoting dialogue on development in South Asia [syndication_source_uri] => http://blogs.worldbank.org/endpovertyinsouthasia/ [syndication_source_id] => http://blogs.worldbank.org/endpovertyinsouthasia/rss.xml [syndication_feed] => http://blogs.worldbank.org/endpovertyinsouthasia/rss.xml [syndication_feed_id] => 24 [syndication_permalink] => http://blogs.worldbank.org/endpovertyinsouthasia/taking-digital-banking-services-remote-villages-north-eastern-india [syndication_item_hash] => a86e3ed5c3b4f5e035bdbdc764b2e59e ) [post_type] => post [post_author] => 925 [tax_input] => Array ( [category] => Array ( ) [post_tag] => Array ( ) [post_format] => Array ( ) ) )

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Ang Dolma Sherpa, an expert carpet weaver in West Sikkim is one of the 200-300 women weavers in the region who are benefiting from the project’s interventions. Photo: World Bank

Until six months ago, people in the remote corners of India’s Himalayan state of Sikkim had to travel long distances over the hillsides to do simple banking transactions.

When they did reach a bank, it was usually overcrowded and understaffed. This made it difficult for rural folk, unfamiliar with formal financial systems to deposit or withdraw money, let alone borrow to meet their needs.
 
Now change is in the air. Ever since the North East Rural Livelihoods Project (NERLP) - supported by the World Bank - helped banks in Sikkim’s western and southern districts engage local women self-help group (SHG) members as their business correspondents, people in these distant parts have been able to bank at their doorsteps.
 
While the concept is not new in India, the two correspondents - one for each district - have proved to be nothing short of a miracle for this far-flung region. They have fanned out across mountain villages, equipped with palm-sized micro-ATMs, biometric readers, and internet-connected thermal printers. Villagers can now deposit their money easily, earn interest, and withdraw whenever needed.
 
In the six months since the correspondents were first introduced, business has soared. “In November 2018, when we first began, I did about 160 transactions worth Rs.1.2 million. As awareness has grown, this has risen steadily, and in March 2019 I did over 260 transactions worth Rs. 2.4 million,” explained Lila Shilal, business correspondent for the IDBI Bank in West Sikkim’s Jorethang block.
 
Shilal has also benefitted in the process. She has started earning more than Rs.10,000 a month from the bank in transaction fees and commission and has used the amount to set herself up as an entrepreneur.
 
The project has introduced another financial service as well, this time at the bank itself. Here, bank sakhis - or female banker friends – help village folk and SHG members fill out forms and apply for loans.
 
This new cadre of women business correspondents and bank sakhis has not only benefitted local communities and given SHG members a new livelihood opportunity, it has also made life simpler for the region’s bankers.

[post_excerpt] => Ang Dolma Sherpa, an expert carpet weaver in West Sikkim is one of the 200-300 women weavers in the region who are benefiting from the project’s interventions. Photo: World Bank Until six months ago, people in the remote corners of India’s Himalayan st... [post_date_gmt] => 2019-04-22 13:00:00 [post_date] => 2019-04-22 14:00:00 [post_modified_gmt] => 2019-04-22 13:00:00 [post_modified] => 2019-04-22 14:00:00 [post_status] => publish [comment_status] => closed [ping_status] => closed [guid] => 1622 at http://blogs.worldbank.org/endpovertyinsouthasia [meta] => Array ( [post_url] => Array ( [0] => http://blogs.worldbank.org/endpovertyinsouthasia/taking-digital-banking-services-remote-villages-north-eastern-india ) [enclosure] => Array ( [0] => //?# ) [syndication_source] => End Poverty in South Asia - Promoting dialogue on development in South Asia [syndication_source_uri] => http://blogs.worldbank.org/endpovertyinsouthasia/ [syndication_source_id] => http://blogs.worldbank.org/endpovertyinsouthasia/rss.xml [syndication_feed] => http://blogs.worldbank.org/endpovertyinsouthasia/rss.xml [syndication_feed_id] => 24 [syndication_permalink] => http://blogs.worldbank.org/endpovertyinsouthasia/taking-digital-banking-services-remote-villages-north-eastern-india [syndication_item_hash] => a86e3ed5c3b4f5e035bdbdc764b2e59e [faf_process_image] => ) [post_type] => post [post_author] => 925 [tax_input] => Array ( [category] => Array ( [0] => 20 ) [post_tag] => Array ( ) [post_format] => Array ( ) ) )


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