Financial Inclusion Among Transgender Community: A Perspective

Aneesha M A () and Pankaj Kumar Baag ()
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Aneesha M A: Indian Institute of Management Kozhikode
Pankaj Kumar Baag: Indian Institute of Management Kozhikode

No 462, Working papers from Indian Institute of Management Kozhikode

Abstract: This paper attempts to present a perspective to the existing gap in the literature by delving into the problems that the transgender community faces in accessing formal financial services. Though the topic of the gender gap and financial inclusion is widely discussed in the literature, many a time, the discussions are constrained to the binary gender classification of men and women. The existence of third genders or transgender people is often ignored, and this ignorance actually can thwart the attainment of the overall financial inclusion goal. This paper lays down the status of transgender and the extent of financial inclusion in India in general and specifically in Kerala, pointing out the limiting supply-side and demand-side factors hindering financial inclusion among transgender people. Recommendations that could facilitate better financial inclusion of this marginalized group were discussed. These include policies to lift the social stigma, approachable policies, and procedures that involve removing psychological, physical, and regulatory barriers,including access to microfinance.

Keywords: Financial Inclusion; Transgender; Discrimination; Exclusion; Policies (search for similar items in EconPapers)
Pages: 21 pages
Date: 2021-05
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