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The existence of gender gap in various socio-economic parameters is largely associated with regions such as hill rural regions of Uttarakhand which are underdeveloped and resource deprived. Various policy measures were implemented in these regions for reducing these gaps and simultaneously empowering women of these regions. Financial inclusion is one such policy initiatives which carried a holistic approach in development of a region and empowerment of its community along with focus on empowerment of weaker sections of the population. Financial inclusion has been the priority agenda for government mainly in 21 century and the major drive of financial inclusion was launched in August, 2014 which was named as the Pradhan Mantri Jan Dhan Yojana (PMJDY). PMJDY aims to deliver banking services to every unbanked household and is based on the guiding principles of banking the unbanked, securing the unsecured, funding the unfunded and serving unserved and underserved areas. But as it is comprehensive policy measure the financial inclusion not only signifies access to/holding of bank account or credit or any such basic facility but also requires the effective and regular utilisation of these facilities. In this context the present study explores the existence of gender gap in context of financial inclusion in hill rural regions of Uttarakhand and discusses the factors which inhibit the financial inclusion of women.

himalayan journal of social sciences and humanities

GENDER BASED COMPARATIVE ANALYSIS OF FINANCIAL INCLUSION OF WOMEN IN HILL RURAL REGIONS OF UTTARAKHAND: A STUDY OF PAURI, CHAMOLI AND RUDRAPRAYAG DISTRICT