eChapters

8.1 Introduction

Giving people and companies access to basic financial services is known as f inancial inclusion, and it has long been a problem on a global scale. Millions of people worldwide still lack access to basic banking services like savings accounts, loans, and insurance and are either underbanked or unbanked altogether. Fintech, or financial technology, has emerged as a key player in resolving this problem by providing creative ways to improve banking service accessibility and advance financial inclusion.

One of the main forces behind promoting equitable economic growth and lowering poverty is financial inclusion.

7.1 Introduction

The evolution of the digital landscape has been nothing short of revolutionary, shaping the way we live, work, and interact with one another. Since the inception of the ARPANET military experiment in 1968, which laid the groundwork for the internet as we know it today, the world's digitization has been accelerating at an unprecedented pace. What started as a military endeavor has evolved into a global network connecting billions of people across geographical boundaries, giving rise to virtual communities, and fundamentally transforming the way information is accessed and disseminated. As we navigate through this digital age, characterized by rapid technological advancements and an ever expanding digital ecosystem, the role of individuals in this landscape has evolved significantly.

6.1 Introduction

In its broadest sense, literacy stands as a fundamental pillar of youth development, transcending mere reading and writing abilities to encompass critical skills necessary for navigating today's complex world (UNESCO, 2020). Concurrently, connectivity serves as the backbone of digital transformation, facilitating communication, collaboration, and access to information on a global scale (ITU, 2021). Skill development, particularly in digital literacy, has become indispensable in an increasingly digitized society, empowering individuals to thrive in both personal and professional domains (European Commission, 2019).

5.1 Introduction

“Women give life and play a vital role in safeguarding the ecosystem. Technology is the Plow that furrows the soil of justice, enabling women farmers to plant the crops of sustainable development.”

Women are half the people in the world, and they have done better than men in many ways in the last 30 years. But they still face more problems than men, because they do not have the same access to things like money, land, and power. Gender equality is not only a good thing by itself but also good for the economy, society, and the environment. If women and men have the same chances to do things and make decisions, we can have a better way of development that considers the needs of both women and men.

4.1 Indian Rural Women Embracing the Changes

Rural areas are chiefly characterized by a strong reliance on primary industries such as agriculture, forestry, fishing, and mining (MacTavish, 2020). When examined by occupation, the agricultural sector frequently acts as the foundation of rural economies, employing a sizable percentage of workers in farming, livestock raising, and crop production (Cagliarini & Rush, 2011). Unlike urban areas, rural regions offer fewer non-agricultural employment opportunities, leading to a greater emphasis on self-employment, small-scale enterprises, and seasonal work patterns. Limited access to formal employment prompts reliance on informal sectors such as casual labour and subsistence farming.

3.1 Introduction

Women are the backbone of the family. God gave her all the power to give birth, raise the children, do all the household chores, and balance the professional work. But we forget that women are also human beings, not machines. They can’t work 24x7 they also need rest as well as proper nutrition. Women in ancient India were very powerful in terms of decision-making, political opinion, education, etc, but later on, the situation of women deteriorated. In the middle era, the situation was at its worst: women were being treated badly by the men in their own families. Currently, the situation is turning better. Women are being treated equally now times but it is not the best scenario we can have. There is still much scope in this field where equal wedges and a good environment can be provided to the women.

1.1 Introduction Rural women worldwide grapple with many challenges, ranging from restricted access to essential resources and limited educational opportunities to constrained pathways for economic advancement. Extensive research conducted by the World Bank has illuminated the persistent struggles faced by rural women, emphasizing disparities in education, healthcare, and economic opportunities (World Bank, 2019). Simultaneously, UN Women underscores the systemic hurdles perpetuating gender inequalities, necessitating urgent and comprehensive solutions (UN Women, 2020).

Amidst these challenges, emerging technologies stand as a transformative force with the potential to reshape the trajectories of rural women. Recognizing this potential, the International Telecommunication Union (ITU) emphasizes the capacity of technological interventions to ameliorate challenges faced by women in rural areas.

1.1 Introduction

In the contemporary context, women's empowerment in rural India holds immense significance. These women fulfil critical roles as farmers, wage earners, and entrepreneurs, all while managing family responsibilities such as providing food and caring for children and older people. Despite their vital contributions, rural women face entrenched challenges, including gender based discrimination, societal norms, and unequal access to education, healthcare, property, and financial services. The burden of unpaid work, particularly prevalent in economically disadvantaged households, further compounds these obstacles. Notably, women from indigenous and grassroots communities contribute significantly to their communities’ livelihoods and serve as custodians of traditional knowledge essential for cultural preservation.

SWOT Analysis-Concept

Concept of SWOT

The concept of SWOT surfaced in 1960 as, management tool indicating four dimensions of strength, weakness, opportunity and threat and is widely used in business organizations. It’s use is very common in judging the prospectus of any organization particularly rural projects. It’s four attributes have wider applicability to decide whether to move ahead or not.

Origin of SWOT

Indicators for Impact Assessment-meaning and Concept

Indicators for impact assessment: Indicators are common tools to determine the performance and then the result of the technology/extension/communication interventions. They measure the accomplishment of the project’s goals and targets. Criteria of indicators should be defined during the formulation stage, but they often need to be specified in greater detail during implementation. The indicators should measure intangible and non-tangible changes, particularly in projects that value factors such as personal and social development.

Concept of Environmental Impact Assessment Introduction, what it is, who does it, how it is done?

Environmental Impact assessment (EIA) is the estimation of the environmental consequences of a plan, policy, program, or actual projects prior to the decision to move forward with the proposed action.

Introduction to EIA

An EIA may be defined as: a formal process to predict the environmental consequences of human development activities and to plan appropriate techniques to eliminate or reduce adverse effects and to augment positive effects. to enhance positive effects.

Impact Assessment Approach-Quantitative, Qualitative Participatory and Mixed Methods with Their Advantages and Disadvantages

Quantitative research approach

 Qualitative research approach

 Participatory research approach

Mixed method research approach

Advantages of Quantitative Research

Introduction

Impact studies isolate the effect of an intervention by assuring that there is clean comparison between a treatment group that received the intervention and a comparison group that is just the same except that it did not get the intervention.

Impact studies test whether one thing causes another. Just knowing scores have gone up following an intervention doesn’t mean improvement is attributable to that intervention.

The data are generated from an impact study used to identify best practices, to replicate successful programs or policies, and to avoid mistakes that might have negative implications for future projects.

Logical Framework Approach (LFA) Background and Description, Variation of LFA

Definition The Logical Framework Approach or LFA is a systematic and analytical process for objectives-oriented project planning and management

Background: The Logical Framework Approach (LFA) was developed for USAID in the 1960s. Since then, it has been adopted and adapted by many other international development organisations. Among them was the German agency GTZ, which derived its Goal-Oriented Project Planning (ZOPP) from it.

Bennett’s Hierarchy

To set the scene for this we head back to the 1970s when Claude Bennett worked as a specialist in evaluation with the extension service. He wanted to make sure that extension was collecting information that was able to illustrate the effectiveness of extension, and help extension improve its services to clients. So, he developed seven categories of criteria for evaluating extension programmes based on what he called a ‘seven link chain of events. He put these into a hierarchy literally in his article describing this-as a diagram of seven steps.

Network in Project Management

A project network is a graph that shows the activities, duration, and inter dependencies of tasks within our project.

Networking is a crucial aspect of project management that can provide various benefits, including access to new job opportunities, industry insights, and professional development opportunities.

What is network with diagram?

A Brief History of Project Management.

Evaluating the Evaluation

To present clarity, representation of components of program, stake holders, senility, needs of target group, sample, data, technical adequacy, data collection methods cost, recommendation the steps have been described below as per syllabus contents prescribed by ICAR.

Evaluating the Evaluation

Identify and Describe Program You Want to Evaluate

The first step in conducting a program evaluation is to clarify why we are doing it, what we want to achieve, and what we will focus on. This will help us to define the evaluation questions, criteria, indicators and methods that will guide our data collection and analysis.

What is Program Evaluation?

Evaluation Theory vs Practice

Theory based evaluation is an approach to evaluation (i.e., a conceptual analytical model) and not a specific method or technique. It is a way of structuring and undertaking analysis in an evaluation. A theory of change explains how an intervention is expected to produce its results

What are Evaluation Theories?

Concept of Evaluation

Evaluation is the structured interpretation and giving of meaning to predict or actual impacts of proposals or results. It looks at original objectives, and at what are either predicted or what was accomplished and how it was accomplished.

Context Based Meaning and Concept

The meaning of evaluation is the way of judging or calculating the quality, importance, amount, or value of something: Evaluation of this new treatment cannot take place until all the data has been collected.

In its earliest uses (documented in the 15th century), context meant “the weaving together of words in language.” This sense, now obsolete, developed logically from the word’s source in Latin, contexere “to weave or join together.