Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
$message = 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 73
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
$message = 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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		[protected] _detectors => [
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		[protected] stream => object(Zend\Diactoros\PhpInputStream) {}
		[protected] uri => object(Zend\Diactoros\Uri) {}
		[protected] session => object(Cake\Http\Session) {}
		[protected] attributes => [[maximum depth reached]]
		[protected] emulatedAttributes => [
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		[protected] uploadedFiles => [[maximum depth reached]]
		[protected] protocol => null
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		[private] deprecatedProperties => [
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	},
	'type' => '->',
	'args' => [
		(int) 0 => 'artileslug'
	]
]
deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 74
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
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    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f22be061df0-trace').style.display = (document.getElementById('cakeErr67f22be061df0-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67f22be061df0-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f22be061df0-code').style.display = (document.getElementById('cakeErr67f22be061df0-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f22be061df0-context').style.display = (document.getElementById('cakeErr67f22be061df0-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67f22be061df0-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr67f22be061df0-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 51788,
		&#039;title&#039; =&gt; &#039;नोटबंदी के साइड इफेक्टस् : सबसे ज्यादा चोट किसपर ?&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
सरकारी घोषणाओं में देशवासियों से कहा गया है कि वे नगदी की तात्कालिक कमी से होने वाली असुविधा के लिए क्रेडिट कार्ड, डेबिट कार्ड, मोबाइल और इलेक्ट्रानिक वैलेट का इस्तेमाल करें. लेकिन क्या देश कैशलेस इकॉनॉमी की तरफ कदम बढ़ाने के लिए तैयार है ?
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
सवाल के किसी भी जवाब तक पहुंचने से पहले नीचे लिखे तथ्यों पर गौर करें. ये तथ्य इन्क्लूसिव मीडिया फॉर चेंज ने भारतीय रिजर्व बैंक हालिया रिपोर्ट(2015) से जुटाये हैं.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
बीते 28 दिसंबर 2015 को दीपक मोहंती की अध्यक्षता में तैयार भारतीय रिजर्व बैंक के &lt;a href=&quot;tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot;&gt;दस्तावेज&lt;/a&gt; रिपोर्ट ऑफ द कमिटी ऑन मिडियम टर्म पाथ ऑन फायनेन्शियल इन्क्लूजन में दर्ज तथ्यों के मुताबिक ---
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
* साल 2014 में देश के तकरीबन 50 फीसद वयस्क आबादी का एक ना एक वित्तीय संस्थान में खाता था जबकि ब्रिक्स में शामिल अन्य देशों में वित्तीय संस्थानों में खाताधारक वयस्क आबादी की संख्या 70 फीसद से ऊपर है. संयुक्त राज्य अमेरिका और ग्रेट ब्रिटेन में खाताधारक वयस्क आबादी की संख्या इससे भी ज्यादा है. 
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
*  नवीनतम् सेंसस ऑफ हाऊस लिस्टिंग एंड हाऊस सर्वे (2011) के मुताबिक साल 2001 में बैंकिंग सेवाओं का इस्तेमाल करने वाले लोगों की संख्या 35 फीसद थी जो साल 2011 में बढ़कर 59 फीसद हो गई.  
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
* साल 2014 में प्रति लाख आबादी पर देश में 18 एटीएम मौजूद थे. दक्षिण अफ्रीका में प्रतिलाख आबादी पर 65 एटीएम हैं और रुस में 180 एटीएम.देश में 15 साल और इससे ज्यादा उम्र के 10 फीसद लोग डेबिट कार्ड के जरिए भुगतान करते हैं जबकि दक्षिण अफ्रीका में 40 फीसद. असंगठित क्षेत्र के कामगार और छोटे उत्पादक तथा खुदरा दुकानदार रोजमर्रा की खरीद-बिक्री के लिए मुख्य रुप से नगदी पर निर्भर हैं.  
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
* देश में अनुसूचित व्यावसायिक बैंकों की संख्या साल 2001 में 6.4 थी जो 2015 के जून माह में बढ़कर 9.7 हो गई.  बैंकों की संख्या में यह वृद्धि शहरों और गांवों में असमान रुप से हुई है. ग्रामीण और अर्ध-शहरी इलाकों को एक साथ मिलाकर देखें तो साल 2001 में ऐसी जगहों पर प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 5.3 थी और 2015 के जून महीने तक बढ़कर यह संख्या 7.8 हुई जबकि इसी अवधि में शहरी और महानगरीय इलाकों में प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 11.7 से बढ़कर 18.7 हो गई है.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
* साल 2006 से 2015 के बीच खातों के घनत्व यानी प्रति हजार आबादी पर खाताधारक आबादी की संख्या में पर्याप्त सुधार हुआ है. इस अवधि में खाताधारक महिलाओं की संख्या तिगुनी हुई है तो भी पुरुष खाताधारकों के घनत्व की तुलना में यह बहुत कम है. 
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
*  एक तथ्य यह भी है कि जिन राज्यों में ग्रामीण आबादी तुलनात्मक रुप से ज्यादा है या तुलनात्मक रुप से जिन राज्यों में शेष राज्यों की तुलना में महिला आबादी ज्यादा है वहां लोगों को बैंकिंग सेवाओं से जोड़ने का काम कम हुआ है. 
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
*  राष्ट्रीय स्तर पर देखें तो साल 2006 में प्रति हजार महिलाओं में खाताधारक महिलाओं की संख्या 143 थी जो 2010 में बढ़कर 196 हुई और 2015 के जून महीने में यह संख्या 536 पर पहुंची है. 
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
*  किसी विशेष इलाके में बैंकों की संख्या में बढोत्तरी हो तो माना जा सकता है कि वहां लोगों के लिए बैकिंग सेवाओं को हासिल करना अपेक्षाकृत आसान हुआ. इलाका विशेष में बैकों की संख्या में बढोत्तरी 2006 से 2015 के बीच डेढ़ गुना हुई है. लेकिन पूर्वोत्तर के राज्य तथा बिहार, झारखंड, उत्तरप्रदेश, पश्चिम बंगाल और मध्यप्रदेश में आबादी की तुलना में बैकों की शाखाओं की संख्या में वृद्धि अपेक्षाकृत कम रही है. मार्च 2015 तक राज्यवार बेसिक सेविंग बैंक डिपॉजिट अकाउंट की संख्या(देखें उपर्युक्त लिंक) से भी संकेत मिलते हैं पूर्वोत्तर तथा पूर्वी राज्य इस मामले में शेष राज्यों की तुलना में पीछे हैं.  
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
*  साल 2014 में देश की ग्रामीण आबादी का मात्र 3 फीसद हिस्सा ऐसा था जिसे अपनी कमाई का भुगतान सीधे बैंक खाते में हुआ, ब्राजील में यह तादाद 14 फीसद तथा दक्षिण अफ्रीका में यही संख्या 23 फीसद है. भारत में बैंक खाते का इस्तेमाल कम होता है इसका एक संकेत यह भी है कि तकरीबन 14 फीसद बैंकखाते 2014 में बिना गतिविधि के रहे. 
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
*  भारत और वैश्विक स्तर पर केवल 2 फीसद व्यस्क आबादी के पास मोबाइल मनी अकाउंट है, उप-सहारीय अफ्रीका और केन्या में यह तादाद क्रमशः 12 फीसद और 58 फीसद है. 
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
* देश के आर्थिक सर्वेक्षण रिपोर्ट 2015-16 के मुताबिक प्रधानमंत्री जन धन योजना के अंतर्गत बड़ी संख्या में खाता खुलने के बावजूद बेसिक सेविंग अकाउंटस् की संख्या ज्यादातर राज्यों में कम(46 फीसद) है. केवल 2 राज्यों, मध्यप्रदेश और छत्तीसगढ़ में यह 75 फीसद से ऊपर है. सर्वेक्षण रिपोर्ट में कहा गया है कि नीति निर्माताओं को समावेशन संबंधी भूलों के बारे में आगाह होना चाहिए जिसके वजह से बैकिंग सुविधाविहीन लाभार्थियों के खाते में प्रत्यक्ष नगदी भुगतान नहीं हो पा रहा है.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
विमुद्रीकरण के विविध पहलुओं पर केंद्रित कुछ महत्वपूर्ण जानकारियों और विद्रानों की राय के लिए कृपया निम्नलिखित लिंक देखें--
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
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&lt;p class=&quot;MsoNormal&quot;&gt;
Press release: Withdrawal of Legal Tender Status for Rs. 500
and Rs. 1000 Notes: RBI Notice, please &lt;a href=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes - Related
Links, please &lt;a href=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot;&gt;click here&lt;/a&gt;
to access
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;
Report of the Committee on Medium-term Path on Financial Inclusion, Reserve
Bank of India, dated 28 December, 2015, please &lt;a href=&quot;tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;RBI Report of the Committee on Medium term Path on Financial Inclusion&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-1, please &lt;a href=&quot;../docs/841echapter-vol1.pdf&quot; title=&quot;http://www.im4change.org/docs/841echapter-vol1.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-2, please &lt;a href=&quot;../docs/835echapter-vol2.pdf&quot; title=&quot;http://www.im4change.org/docs/835echapter-vol2.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik, economist and professor emeritus at Jawaharlal Nehru
University, interviewed by Jahnavi Sen, TheWire.in, 12 November, 2016, please &lt;a href=&quot;../interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik speaks in JNU on Demonetization, SFI JNU Unit, 12 November,
2016, please &lt;a href=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot;&gt;click here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetization: Witless and Anti-People -Prabhat Patnaik, TheCitizen.in, 9
November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Shock and oh damn -Pronab Sen, Ideas for India, 14 November,
2016, please &lt;a href=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot;&gt;click here&lt;/a&gt;
to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
In hunt for big sharks, livelihood of the poor becomes small
change, The Hindu, 13 November, 2016, please &lt;a href=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes-small-change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes-small-change/article16376199.ece?homepage=true&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits onion farmers, Deccan Herald, 13
November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot;&gt;click
here&lt;/a&gt; to access&amp;nbsp; 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Note demonetisation: What of the women who hide cash to feed
their children or to escape abuse? -Nishita Jha, Scroll.in, 12 November, 2016,
please &lt;a href=&quot;../latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation damage greater than its benefits, says Kaushik Basu -Arup
Roychoudhury, Business Standard, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation Fallout: Cashless Villagers Loot PDS Shop in MP&#039;s Chhatarpur
Village -Manoj Sharma, News18.com, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits transport business; Truckers fail to pay
-Megha Manchanda, Business Standard, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Dead since birth, Jan Dhan accounts now flush with cash
-Yogesh Dubey &amp;amp; Aditya Dev, The Economic Times, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Why govt&#039;s demonetisation move may fail to win the war against black money
-Appu Esthose Suresh, Hindustan Times, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation leaves lakhs of tea, jute workers in Bengal, Northeast unpaid
-Snigdhendu Bhattacharya, Amitava Banerjee and Rahul Karmakar, Hindustan Times,
12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Show me the money -Ila Patnaik, The Indian Express, 11 November, 2016, please &lt;a href=&quot;../latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Will Modi&#039;s big currency-scrapping gamble yield results? -Roshan Kishore,
Livemint.com, 11 November, 2016, please &lt;a href=&quot;../latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Rs 500 and Rs 1,000 ban: Narendra Modi govt has created 50-day hawala window
for old notes -Narayanan Madhavan, Firstpost.com, 10 November, 2016, please &lt;a href=&quot;../latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Modi&#039;s &#039;surgical strike&#039; won&#039;t make a big difference to
black money -TT Ram Mohan, Business Standard, 10 November, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
In one stroke, demonetisation has shaken the trust our
monetary system is based on -Devangshu Datta, Scroll.in, 9 November, 2016,
please &lt;a href=&quot;../latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation of Rs 500 and Rs 1000 notes: Farmers fear missing out on sowing
time -Sahil Makkar, Business Standard, 9 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Entire speech of PM Modi announcing large notes banned, Posted by Abhishek
Chakraborty, NDTV, 8 November, 2016, please &lt;a href=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&amp;nbsp;&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
International payments industry expert Guillaume Lepecq interview by Kanika
Datta, Business Standard, 16 April, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot;&gt;click
here&lt;/a&gt; to access
&lt;/p&gt;
&amp;nbsp;
&lt;br /&gt;
&lt;p&gt;
&amp;nbsp;
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?


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सरकारी घोषणाओं में देशवासियों से कहा गया है कि...&#039;,
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?
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सरकारी घोषणाओं में देशवासियों से कहा गया है कि वे नगदी की तात्कालिक कमी से होने वाली असुविधा के लिए क्रेडिट कार्ड, डेबिट कार्ड, मोबाइल और इलेक्ट्रानिक वैलेट का इस्तेमाल करें. लेकिन क्या देश कैशलेस इकॉनॉमी की तरफ कदम बढ़ाने के लिए तैयार है ?
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सवाल के किसी भी जवाब तक पहुंचने से पहले नीचे लिखे तथ्यों पर गौर करें. ये तथ्य इन्क्लूसिव मीडिया फॉर चेंज ने भारतीय रिजर्व बैंक हालिया रिपोर्ट(2015) से जुटाये हैं.
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बीते 28 दिसंबर 2015 को दीपक मोहंती की अध्यक्षता में तैयार भारतीय रिजर्व बैंक के &lt;a href=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot;&gt;दस्तावेज&lt;/a&gt; रिपोर्ट ऑफ द कमिटी ऑन मिडियम टर्म पाथ ऑन फायनेन्शियल इन्क्लूजन में दर्ज तथ्यों के मुताबिक ---
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* साल 2014 में देश के तकरीबन 50 फीसद वयस्क आबादी का एक ना एक वित्तीय संस्थान में खाता था जबकि ब्रिक्स में शामिल अन्य देशों में वित्तीय संस्थानों में खाताधारक वयस्क आबादी की संख्या 70 फीसद से ऊपर है. संयुक्त राज्य अमेरिका और ग्रेट ब्रिटेन में खाताधारक वयस्क आबादी की संख्या इससे भी ज्यादा है. 
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*  नवीनतम् सेंसस ऑफ हाऊस लिस्टिंग एंड हाऊस सर्वे (2011) के मुताबिक साल 2001 में बैंकिंग सेवाओं का इस्तेमाल करने वाले लोगों की संख्या 35 फीसद थी जो साल 2011 में बढ़कर 59 फीसद हो गई.  
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* साल 2014 में प्रति लाख आबादी पर देश में 18 एटीएम मौजूद थे. दक्षिण अफ्रीका में प्रतिलाख आबादी पर 65 एटीएम हैं और रुस में 180 एटीएम.देश में 15 साल और इससे ज्यादा उम्र के 10 फीसद लोग डेबिट कार्ड के जरिए भुगतान करते हैं जबकि दक्षिण अफ्रीका में 40 फीसद. असंगठित क्षेत्र के कामगार और छोटे उत्पादक तथा खुदरा दुकानदार रोजमर्रा की खरीद-बिक्री के लिए मुख्य रुप से नगदी पर निर्भर हैं.  
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* देश में अनुसूचित व्यावसायिक बैंकों की संख्या साल 2001 में 6.4 थी जो 2015 के जून माह में बढ़कर 9.7 हो गई.  बैंकों की संख्या में यह वृद्धि शहरों और गांवों में असमान रुप से हुई है. ग्रामीण और अर्ध-शहरी इलाकों को एक साथ मिलाकर देखें तो साल 2001 में ऐसी जगहों पर प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 5.3 थी और 2015 के जून महीने तक बढ़कर यह संख्या 7.8 हुई जबकि इसी अवधि में शहरी और महानगरीय इलाकों में प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 11.7 से बढ़कर 18.7 हो गई है.
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* साल 2006 से 2015 के बीच खातों के घनत्व यानी प्रति हजार आबादी पर खाताधारक आबादी की संख्या में पर्याप्त सुधार हुआ है. इस अवधि में खाताधारक महिलाओं की संख्या तिगुनी हुई है तो भी पुरुष खाताधारकों के घनत्व की तुलना में यह बहुत कम है. 
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*  एक तथ्य यह भी है कि जिन राज्यों में ग्रामीण आबादी तुलनात्मक रुप से ज्यादा है या तुलनात्मक रुप से जिन राज्यों में शेष राज्यों की तुलना में महिला आबादी ज्यादा है वहां लोगों को बैंकिंग सेवाओं से जोड़ने का काम कम हुआ है. 
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*  राष्ट्रीय स्तर पर देखें तो साल 2006 में प्रति हजार महिलाओं में खाताधारक महिलाओं की संख्या 143 थी जो 2010 में बढ़कर 196 हुई और 2015 के जून महीने में यह संख्या 536 पर पहुंची है. 
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*  किसी विशेष इलाके में बैंकों की संख्या में बढोत्तरी हो तो माना जा सकता है कि वहां लोगों के लिए बैकिंग सेवाओं को हासिल करना अपेक्षाकृत आसान हुआ. इलाका विशेष में बैकों की संख्या में बढोत्तरी 2006 से 2015 के बीच डेढ़ गुना हुई है. लेकिन पूर्वोत्तर के राज्य तथा बिहार, झारखंड, उत्तरप्रदेश, पश्चिम बंगाल और मध्यप्रदेश में आबादी की तुलना में बैकों की शाखाओं की संख्या में वृद्धि अपेक्षाकृत कम रही है. मार्च 2015 तक राज्यवार बेसिक सेविंग बैंक डिपॉजिट अकाउंट की संख्या(देखें उपर्युक्त लिंक) से भी संकेत मिलते हैं पूर्वोत्तर तथा पूर्वी राज्य इस मामले में शेष राज्यों की तुलना में पीछे हैं.  
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*  साल 2014 में देश की ग्रामीण आबादी का मात्र 3 फीसद हिस्सा ऐसा था जिसे अपनी कमाई का भुगतान सीधे बैंक खाते में हुआ, ब्राजील में यह तादाद 14 फीसद तथा दक्षिण अफ्रीका में यही संख्या 23 फीसद है. भारत में बैंक खाते का इस्तेमाल कम होता है इसका एक संकेत यह भी है कि तकरीबन 14 फीसद बैंकखाते 2014 में बिना गतिविधि के रहे. 
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*  भारत और वैश्विक स्तर पर केवल 2 फीसद व्यस्क आबादी के पास मोबाइल मनी अकाउंट है, उप-सहारीय अफ्रीका और केन्या में यह तादाद क्रमशः 12 फीसद और 58 फीसद है. 
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* देश के आर्थिक सर्वेक्षण रिपोर्ट 2015-16 के मुताबिक प्रधानमंत्री जन धन योजना के अंतर्गत बड़ी संख्या में खाता खुलने के बावजूद बेसिक सेविंग अकाउंटस् की संख्या ज्यादातर राज्यों में कम(46 फीसद) है. केवल 2 राज्यों, मध्यप्रदेश और छत्तीसगढ़ में यह 75 फीसद से ऊपर है. सर्वेक्षण रिपोर्ट में कहा गया है कि नीति निर्माताओं को समावेशन संबंधी भूलों के बारे में आगाह होना चाहिए जिसके वजह से बैकिंग सुविधाविहीन लाभार्थियों के खाते में प्रत्यक्ष नगदी भुगतान नहीं हो पा रहा है.
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विमुद्रीकरण के विविध पहलुओं पर केंद्रित कुछ महत्वपूर्ण जानकारियों और विद्रानों की राय के लिए कृपया निम्नलिखित लिंक देखें--
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&lt;p class=&quot;MsoNormal&quot;&gt;
Press release: Withdrawal of Legal Tender Status for Rs. 500
and Rs. 1000 Notes: RBI Notice, please &lt;a href=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes - Related
Links, please &lt;a href=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot;&gt;click here&lt;/a&gt;
to access
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;
Report of the Committee on Medium-term Path on Financial Inclusion, Reserve
Bank of India, dated 28 December, 2015, please &lt;a href=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;RBI Report of the Committee on Medium term Path on Financial Inclusion&quot; title=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;RBI Report of the Committee on Medium term Path on Financial Inclusion&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-1, please &lt;a href=&quot;https://im4change.in/docs/841echapter-vol1.pdf&quot; title=&quot;http://www.im4change.org/docs/841echapter-vol1.pdf&quot; title=&quot;https://im4change.in/docs/841echapter-vol1.pdf&quot; title=&quot;http://www.im4change.org/docs/841echapter-vol1.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-2, please &lt;a href=&quot;https://im4change.in/docs/835echapter-vol2.pdf&quot; title=&quot;http://www.im4change.org/docs/835echapter-vol2.pdf&quot; title=&quot;https://im4change.in/docs/835echapter-vol2.pdf&quot; title=&quot;http://www.im4change.org/docs/835echapter-vol2.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik, economist and professor emeritus at Jawaharlal Nehru
University, interviewed by Jahnavi Sen, TheWire.in, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik speaks in JNU on Demonetization, SFI JNU Unit, 12 November,
2016, please &lt;a href=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot;&gt;click here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetization: Witless and Anti-People -Prabhat Patnaik, TheCitizen.in, 9
November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Shock and oh damn -Pronab Sen, Ideas for India, 14 November,
2016, please &lt;a href=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot;&gt;click here&lt;/a&gt;
to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
In hunt for big sharks, livelihood of the poor becomes 
change, The Hindu, 13 November, 2016, please &lt;a href=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits onion farmers, Deccan Herald, 13
November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot;&gt;click
here&lt;/a&gt; to access&amp;nbsp; 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Note demonetisation: What of the women who hide cash to feed
their children or to escape abuse? -Nishita Jha, Scroll.in, 12 November, 2016,
please &lt;a href=&quot;https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation damage greater than its benefits, says Kaushik Basu -Arup
Roychoudhury, Business Standard, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation Fallout: Cashless Villagers Loot PDS Shop in MP&#039;s Chhatarpur
Village -Manoj Sharma, News18.com, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits transport business; Truckers fail to pay
-Megha Manchanda, Business Standard, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Dead since birth, Jan Dhan accounts now flush with cash
-Yogesh Dubey &amp;amp; Aditya Dev, The Economic Times, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Why govt&#039;s demonetisation move may fail to win the war against black money
-Appu Esthose Suresh, Hindustan Times, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation leaves lakhs of tea, jute workers in Bengal, Northeast unpaid
-Snigdhendu Bhattacharya, Amitava Banerjee and Rahul Karmakar, Hindustan Times,
12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Show me the money -Ila Patnaik, The Indian Express, 11 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Will Modi&#039;s big currency-scrapping gamble yield results? -Roshan Kishore,
Livemint.com, 11 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Rs 500 and Rs 1,000 ban: Narendra Modi govt has created 50-day hawala window
for old notes -Narayanan Madhavan, Firstpost.com, 10 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Modi&#039;s &#039;surgical strike&#039; won&#039;t make a big difference to
black money -TT Ram Mohan, Business Standard, 10 November, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
In one stroke, demonetisation has shaken the trust our
monetary system is based on -Devangshu Datta, Scroll.in, 9 November, 2016,
please &lt;a href=&quot;https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation of Rs 500 and Rs 1000 notes: Farmers fear missing out on sowing
time -Sahil Makkar, Business Standard, 9 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Entire speech of PM Modi announcing large notes banned, Posted by Abhishek
Chakraborty, NDTV, 8 November, 2016, please &lt;a href=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&amp;nbsp;&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
International payments industry expert Guillaume Lepecq interview by Kanika
Datta, Business Standard, 16 April, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot;&gt;click
here&lt;/a&gt; to access
&lt;/p&gt;
&amp;nbsp;
&lt;br /&gt;
&lt;p&gt;
&amp;nbsp;
&lt;/p&gt;&#039;,
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	&#039;adminprix&#039; =&gt; &#039;admin&#039;
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	&#039;title&#039; =&gt; &#039;नोटबंदी के साइड इफेक्टस् : सबसे ज्यादा चोट किसपर ?&#039;,
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?
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सरकारी घोषणाओं में देशवासियों से कहा गया है कि वे नगदी की तात्कालिक कमी से होने वाली असुविधा के लिए क्रेडिट कार्ड, डेबिट कार्ड, मोबाइल और इलेक्ट्रानिक वैलेट का इस्तेमाल करें. लेकिन क्या देश कैशलेस इकॉनॉमी की तरफ कदम बढ़ाने के लिए तैयार है ?
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सवाल के किसी भी जवाब तक पहुंचने से पहले नीचे लिखे तथ्यों पर गौर करें. ये तथ्य इन्क्लूसिव मीडिया फॉर चेंज ने भारतीय रिजर्व बैंक हालिया रिपोर्ट(2015) से जुटाये हैं.
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बीते 28 दिसंबर 2015 को दीपक मोहंती की अध्यक्षता में तैयार भारतीय रिजर्व बैंक के &lt;a href=&quot;tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot;&gt;दस्तावेज&lt;/a&gt; रिपोर्ट ऑफ द कमिटी ऑन मिडियम टर्म पाथ ऑन फायनेन्शियल इन्क्लूजन में दर्ज तथ्यों के मुताबिक ---
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* साल 2014 में देश के तकरीबन 50 फीसद वयस्क आबादी का एक ना एक वित्तीय संस्थान में खाता था जबकि ब्रिक्स में शामिल अन्य देशों में वित्तीय संस्थानों में खाताधारक वयस्क आबादी की संख्या 70 फीसद से ऊपर है. संयुक्त राज्य अमेरिका और ग्रेट ब्रिटेन में खाताधारक वयस्क आबादी की संख्या इससे भी ज्यादा है. 
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*  नवीनतम् सेंसस ऑफ हाऊस लिस्टिंग एंड हाऊस सर्वे (2011) के मुताबिक साल 2001 में बैंकिंग सेवाओं का इस्तेमाल करने वाले लोगों की संख्या 35 फीसद थी जो साल 2011 में बढ़कर 59 फीसद हो गई.  
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* साल 2014 में प्रति लाख आबादी पर देश में 18 एटीएम मौजूद थे. दक्षिण अफ्रीका में प्रतिलाख आबादी पर 65 एटीएम हैं और रुस में 180 एटीएम.देश में 15 साल और इससे ज्यादा उम्र के 10 फीसद लोग डेबिट कार्ड के जरिए भुगतान करते हैं जबकि दक्षिण अफ्रीका में 40 फीसद. असंगठित क्षेत्र के कामगार और छोटे उत्पादक तथा खुदरा दुकानदार रोजमर्रा की खरीद-बिक्री के लिए मुख्य रुप से नगदी पर निर्भर हैं.  
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* देश में अनुसूचित व्यावसायिक बैंकों की संख्या साल 2001 में 6.4 थी जो 2015 के जून माह में बढ़कर 9.7 हो गई.  बैंकों की संख्या में यह वृद्धि शहरों और गांवों में असमान रुप से हुई है. ग्रामीण और अर्ध-शहरी इलाकों को एक साथ मिलाकर देखें तो साल 2001 में ऐसी जगहों पर प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 5.3 थी और 2015 के जून महीने तक बढ़कर यह संख्या 7.8 हुई जबकि इसी अवधि में शहरी और महानगरीय इलाकों में प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 11.7 से बढ़कर 18.7 हो गई है.
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* साल 2006 से 2015 के बीच खातों के घनत्व यानी प्रति हजार आबादी पर खाताधारक आबादी की संख्या में पर्याप्त सुधार हुआ है. इस अवधि में खाताधारक महिलाओं की संख्या तिगुनी हुई है तो भी पुरुष खाताधारकों के घनत्व की तुलना में यह बहुत कम है. 
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*  एक तथ्य यह भी है कि जिन राज्यों में ग्रामीण आबादी तुलनात्मक रुप से ज्यादा है या तुलनात्मक रुप से जिन राज्यों में शेष राज्यों की तुलना में महिला आबादी ज्यादा है वहां लोगों को बैंकिंग सेवाओं से जोड़ने का काम कम हुआ है. 
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*  राष्ट्रीय स्तर पर देखें तो साल 2006 में प्रति हजार महिलाओं में खाताधारक महिलाओं की संख्या 143 थी जो 2010 में बढ़कर 196 हुई और 2015 के जून महीने में यह संख्या 536 पर पहुंची है. 
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*  किसी विशेष इलाके में बैंकों की संख्या में बढोत्तरी हो तो माना जा सकता है कि वहां लोगों के लिए बैकिंग सेवाओं को हासिल करना अपेक्षाकृत आसान हुआ. इलाका विशेष में बैकों की संख्या में बढोत्तरी 2006 से 2015 के बीच डेढ़ गुना हुई है. लेकिन पूर्वोत्तर के राज्य तथा बिहार, झारखंड, उत्तरप्रदेश, पश्चिम बंगाल और मध्यप्रदेश में आबादी की तुलना में बैकों की शाखाओं की संख्या में वृद्धि अपेक्षाकृत कम रही है. मार्च 2015 तक राज्यवार बेसिक सेविंग बैंक डिपॉजिट अकाउंट की संख्या(देखें उपर्युक्त लिंक) से भी संकेत मिलते हैं पूर्वोत्तर तथा पूर्वी राज्य इस मामले में शेष राज्यों की तुलना में पीछे हैं.  
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*  साल 2014 में देश की ग्रामीण आबादी का मात्र 3 फीसद हिस्सा ऐसा था जिसे अपनी कमाई का भुगतान सीधे बैंक खाते में हुआ, ब्राजील में यह तादाद 14 फीसद तथा दक्षिण अफ्रीका में यही संख्या 23 फीसद है. भारत में बैंक खाते का इस्तेमाल कम होता है इसका एक संकेत यह भी है कि तकरीबन 14 फीसद बैंकखाते 2014 में बिना गतिविधि के रहे. 
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*  भारत और वैश्विक स्तर पर केवल 2 फीसद व्यस्क आबादी के पास मोबाइल मनी अकाउंट है, उप-सहारीय अफ्रीका और केन्या में यह तादाद क्रमशः 12 फीसद और 58 फीसद है. 
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* देश के आर्थिक सर्वेक्षण रिपोर्ट 2015-16 के मुताबिक प्रधानमंत्री जन धन योजना के अंतर्गत बड़ी संख्या में खाता खुलने के बावजूद बेसिक सेविंग अकाउंटस् की संख्या ज्यादातर राज्यों में कम(46 फीसद) है. केवल 2 राज्यों, मध्यप्रदेश और छत्तीसगढ़ में यह 75 फीसद से ऊपर है. सर्वेक्षण रिपोर्ट में कहा गया है कि नीति निर्माताओं को समावेशन संबंधी भूलों के बारे में आगाह होना चाहिए जिसके वजह से बैकिंग सुविधाविहीन लाभार्थियों के खाते में प्रत्यक्ष नगदी भुगतान नहीं हो पा रहा है.
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विमुद्रीकरण के विविध पहलुओं पर केंद्रित कुछ महत्वपूर्ण जानकारियों और विद्रानों की राय के लिए कृपया निम्नलिखित लिंक देखें--
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&lt;p class=&quot;MsoNormal&quot;&gt;
Press release: Withdrawal of Legal Tender Status for Rs. 500
and Rs. 1000 Notes: RBI Notice, please &lt;a href=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes - Related
Links, please &lt;a href=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot;&gt;click here&lt;/a&gt;
to access
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;
Report of the Committee on Medium-term Path on Financial Inclusion, Reserve
Bank of India, dated 28 December, 2015, please &lt;a href=&quot;tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;RBI Report of the Committee on Medium term Path on Financial Inclusion&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-1, please &lt;a href=&quot;../docs/841echapter-vol1.pdf&quot; title=&quot;http://www.im4change.org/docs/841echapter-vol1.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-2, please &lt;a href=&quot;../docs/835echapter-vol2.pdf&quot; title=&quot;http://www.im4change.org/docs/835echapter-vol2.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik, economist and professor emeritus at Jawaharlal Nehru
University, interviewed by Jahnavi Sen, TheWire.in, 12 November, 2016, please &lt;a href=&quot;../interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik speaks in JNU on Demonetization, SFI JNU Unit, 12 November,
2016, please &lt;a href=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot;&gt;click here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetization: Witless and Anti-People -Prabhat Patnaik, TheCitizen.in, 9
November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Shock and oh damn -Pronab Sen, Ideas for India, 14 November,
2016, please &lt;a href=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot;&gt;click here&lt;/a&gt;
to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
In hunt for big sharks, livelihood of the poor becomes small
change, The Hindu, 13 November, 2016, please &lt;a href=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes-small-change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes-small-change/article16376199.ece?homepage=true&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits onion farmers, Deccan Herald, 13
November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot;&gt;click
here&lt;/a&gt; to access&amp;nbsp; 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
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&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Note demonetisation: What of the women who hide cash to feed
their children or to escape abuse? -Nishita Jha, Scroll.in, 12 November, 2016,
please &lt;a href=&quot;../latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
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&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation damage greater than its benefits, says Kaushik Basu -Arup
Roychoudhury, Business Standard, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation Fallout: Cashless Villagers Loot PDS Shop in MP&#039;s Chhatarpur
Village -Manoj Sharma, News18.com, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits transport business; Truckers fail to pay
-Megha Manchanda, Business Standard, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
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&lt;p class=&quot;MsoNormal&quot;&gt;
Dead since birth, Jan Dhan accounts now flush with cash
-Yogesh Dubey &amp;amp; Aditya Dev, The Economic Times, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Why govt&#039;s demonetisation move may fail to win the war against black money
-Appu Esthose Suresh, Hindustan Times, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
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Demonetisation leaves lakhs of tea, jute workers in Bengal, Northeast unpaid
-Snigdhendu Bhattacharya, Amitava Banerjee and Rahul Karmakar, Hindustan Times,
12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
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Show me the money -Ila Patnaik, The Indian Express, 11 November, 2016, please &lt;a href=&quot;../latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
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Will Modi&#039;s big currency-scrapping gamble yield results? -Roshan Kishore,
Livemint.com, 11 November, 2016, please &lt;a href=&quot;../latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
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Rs 500 and Rs 1,000 ban: Narendra Modi govt has created 50-day hawala window
for old notes -Narayanan Madhavan, Firstpost.com, 10 November, 2016, please &lt;a href=&quot;../latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot;&gt;click
here&lt;/a&gt; to access 
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&lt;p class=&quot;MsoNormal&quot;&gt;
Modi&#039;s &#039;surgical strike&#039; won&#039;t make a big difference to
black money -TT Ram Mohan, Business Standard, 10 November, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
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In one stroke, demonetisation has shaken the trust our
monetary system is based on -Devangshu Datta, Scroll.in, 9 November, 2016,
please &lt;a href=&quot;../latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
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&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation of Rs 500 and Rs 1000 notes: Farmers fear missing out on sowing
time -Sahil Makkar, Business Standard, 9 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Entire speech of PM Modi announcing large notes banned, Posted by Abhishek
Chakraborty, NDTV, 8 November, 2016, please &lt;a href=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&amp;nbsp;&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
International payments industry expert Guillaume Lepecq interview by Kanika
Datta, Business Standard, 16 April, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot;&gt;click
here&lt;/a&gt; to access
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?


&amp;nbsp;


सरकारी घोषणाओं में देशवासियों से कहा गया है कि...&#039;
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?
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सरकारी घोषणाओं में देशवासियों से कहा गया है कि वे नगदी की तात्कालिक कमी से होने वाली असुविधा के लिए क्रेडिट कार्ड, डेबिट कार्ड, मोबाइल और इलेक्ट्रानिक वैलेट का इस्तेमाल करें. लेकिन क्या देश कैशलेस इकॉनॉमी की तरफ कदम बढ़ाने के लिए तैयार है ?
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सवाल के किसी भी जवाब तक पहुंचने से पहले नीचे लिखे तथ्यों पर गौर करें. ये तथ्य इन्क्लूसिव मीडिया फॉर चेंज ने भारतीय रिजर्व बैंक हालिया रिपोर्ट(2015) से जुटाये हैं.
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बीते 28 दिसंबर 2015 को दीपक मोहंती की अध्यक्षता में तैयार भारतीय रिजर्व बैंक के &lt;a href=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot;&gt;दस्तावेज&lt;/a&gt; रिपोर्ट ऑफ द कमिटी ऑन मिडियम टर्म पाथ ऑन फायनेन्शियल इन्क्लूजन में दर्ज तथ्यों के मुताबिक ---
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* साल 2014 में देश के तकरीबन 50 फीसद वयस्क आबादी का एक ना एक वित्तीय संस्थान में खाता था जबकि ब्रिक्स में शामिल अन्य देशों में वित्तीय संस्थानों में खाताधारक वयस्क आबादी की संख्या 70 फीसद से ऊपर है. संयुक्त राज्य अमेरिका और ग्रेट ब्रिटेन में खाताधारक वयस्क आबादी की संख्या इससे भी ज्यादा है. 
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*  नवीनतम् सेंसस ऑफ हाऊस लिस्टिंग एंड हाऊस सर्वे (2011) के मुताबिक साल 2001 में बैंकिंग सेवाओं का इस्तेमाल करने वाले लोगों की संख्या 35 फीसद थी जो साल 2011 में बढ़कर 59 फीसद हो गई.  
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* साल 2014 में प्रति लाख आबादी पर देश में 18 एटीएम मौजूद थे. दक्षिण अफ्रीका में प्रतिलाख आबादी पर 65 एटीएम हैं और रुस में 180 एटीएम.देश में 15 साल और इससे ज्यादा उम्र के 10 फीसद लोग डेबिट कार्ड के जरिए भुगतान करते हैं जबकि दक्षिण अफ्रीका में 40 फीसद. असंगठित क्षेत्र के कामगार और छोटे उत्पादक तथा खुदरा दुकानदार रोजमर्रा की खरीद-बिक्री के लिए मुख्य रुप से नगदी पर निर्भर हैं.  
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* देश में अनुसूचित व्यावसायिक बैंकों की संख्या साल 2001 में 6.4 थी जो 2015 के जून माह में बढ़कर 9.7 हो गई.  बैंकों की संख्या में यह वृद्धि शहरों और गांवों में असमान रुप से हुई है. ग्रामीण और अर्ध-शहरी इलाकों को एक साथ मिलाकर देखें तो साल 2001 में ऐसी जगहों पर प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 5.3 थी और 2015 के जून महीने तक बढ़कर यह संख्या 7.8 हुई जबकि इसी अवधि में शहरी और महानगरीय इलाकों में प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 11.7 से बढ़कर 18.7 हो गई है.
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* साल 2006 से 2015 के बीच खातों के घनत्व यानी प्रति हजार आबादी पर खाताधारक आबादी की संख्या में पर्याप्त सुधार हुआ है. इस अवधि में खाताधारक महिलाओं की संख्या तिगुनी हुई है तो भी पुरुष खाताधारकों के घनत्व की तुलना में यह बहुत कम है. 
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*  एक तथ्य यह भी है कि जिन राज्यों में ग्रामीण आबादी तुलनात्मक रुप से ज्यादा है या तुलनात्मक रुप से जिन राज्यों में शेष राज्यों की तुलना में महिला आबादी ज्यादा है वहां लोगों को बैंकिंग सेवाओं से जोड़ने का काम कम हुआ है. 
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*  राष्ट्रीय स्तर पर देखें तो साल 2006 में प्रति हजार महिलाओं में खाताधारक महिलाओं की संख्या 143 थी जो 2010 में बढ़कर 196 हुई और 2015 के जून महीने में यह संख्या 536 पर पहुंची है. 
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*  किसी विशेष इलाके में बैंकों की संख्या में बढोत्तरी हो तो माना जा सकता है कि वहां लोगों के लिए बैकिंग सेवाओं को हासिल करना अपेक्षाकृत आसान हुआ. इलाका विशेष में बैकों की संख्या में बढोत्तरी 2006 से 2015 के बीच डेढ़ गुना हुई है. लेकिन पूर्वोत्तर के राज्य तथा बिहार, झारखंड, उत्तरप्रदेश, पश्चिम बंगाल और मध्यप्रदेश में आबादी की तुलना में बैकों की शाखाओं की संख्या में वृद्धि अपेक्षाकृत कम रही है. मार्च 2015 तक राज्यवार बेसिक सेविंग बैंक डिपॉजिट अकाउंट की संख्या(देखें उपर्युक्त लिंक) से भी संकेत मिलते हैं पूर्वोत्तर तथा पूर्वी राज्य इस मामले में शेष राज्यों की तुलना में पीछे हैं.  
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*  साल 2014 में देश की ग्रामीण आबादी का मात्र 3 फीसद हिस्सा ऐसा था जिसे अपनी कमाई का भुगतान सीधे बैंक खाते में हुआ, ब्राजील में यह तादाद 14 फीसद तथा दक्षिण अफ्रीका में यही संख्या 23 फीसद है. भारत में बैंक खाते का इस्तेमाल कम होता है इसका एक संकेत यह भी है कि तकरीबन 14 फीसद बैंकखाते 2014 में बिना गतिविधि के रहे. 
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*  भारत और वैश्विक स्तर पर केवल 2 फीसद व्यस्क आबादी के पास मोबाइल मनी अकाउंट है, उप-सहारीय अफ्रीका और केन्या में यह तादाद क्रमशः 12 फीसद और 58 फीसद है. 
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* देश के आर्थिक सर्वेक्षण रिपोर्ट 2015-16 के मुताबिक प्रधानमंत्री जन धन योजना के अंतर्गत बड़ी संख्या में खाता खुलने के बावजूद बेसिक सेविंग अकाउंटस् की संख्या ज्यादातर राज्यों में कम(46 फीसद) है. केवल 2 राज्यों, मध्यप्रदेश और छत्तीसगढ़ में यह 75 फीसद से ऊपर है. सर्वेक्षण रिपोर्ट में कहा गया है कि नीति निर्माताओं को समावेशन संबंधी भूलों के बारे में आगाह होना चाहिए जिसके वजह से बैकिंग सुविधाविहीन लाभार्थियों के खाते में प्रत्यक्ष नगदी भुगतान नहीं हो पा रहा है.
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विमुद्रीकरण के विविध पहलुओं पर केंद्रित कुछ महत्वपूर्ण जानकारियों और विद्रानों की राय के लिए कृपया निम्नलिखित लिंक देखें--
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&lt;p class=&quot;MsoNormal&quot;&gt;
Press release: Withdrawal of Legal Tender Status for Rs. 500
and Rs. 1000 Notes: RBI Notice, please &lt;a href=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes - Related
Links, please &lt;a href=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot;&gt;click here&lt;/a&gt;
to access
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;
Report of the Committee on Medium-term Path on Financial Inclusion, Reserve
Bank of India, dated 28 December, 2015, please &lt;a href=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;RBI Report of the Committee on Medium term Path on Financial Inclusion&quot; title=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;RBI Report of the Committee on Medium term Path on Financial Inclusion&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-1, please &lt;a href=&quot;https://im4change.in/docs/841echapter-vol1.pdf&quot; title=&quot;http://www.im4change.org/docs/841echapter-vol1.pdf&quot; title=&quot;https://im4change.in/docs/841echapter-vol1.pdf&quot; title=&quot;http://www.im4change.org/docs/841echapter-vol1.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-2, please &lt;a href=&quot;https://im4change.in/docs/835echapter-vol2.pdf&quot; title=&quot;http://www.im4change.org/docs/835echapter-vol2.pdf&quot; title=&quot;https://im4change.in/docs/835echapter-vol2.pdf&quot; title=&quot;http://www.im4change.org/docs/835echapter-vol2.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik, economist and professor emeritus at Jawaharlal Nehru
University, interviewed by Jahnavi Sen, TheWire.in, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik speaks in JNU on Demonetization, SFI JNU Unit, 12 November,
2016, please &lt;a href=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot;&gt;click here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetization: Witless and Anti-People -Prabhat Patnaik, TheCitizen.in, 9
November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Shock and oh damn -Pronab Sen, Ideas for India, 14 November,
2016, please &lt;a href=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot;&gt;click here&lt;/a&gt;
to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
In hunt for big sharks, livelihood of the poor becomes 
change, The Hindu, 13 November, 2016, please &lt;a href=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits onion farmers, Deccan Herald, 13
November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot;&gt;click
here&lt;/a&gt; to access&amp;nbsp; 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Note demonetisation: What of the women who hide cash to feed
their children or to escape abuse? -Nishita Jha, Scroll.in, 12 November, 2016,
please &lt;a href=&quot;https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation damage greater than its benefits, says Kaushik Basu -Arup
Roychoudhury, Business Standard, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation Fallout: Cashless Villagers Loot PDS Shop in MP&#039;s Chhatarpur
Village -Manoj Sharma, News18.com, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits transport business; Truckers fail to pay
-Megha Manchanda, Business Standard, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Dead since birth, Jan Dhan accounts now flush with cash
-Yogesh Dubey &amp;amp; Aditya Dev, The Economic Times, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Why govt&#039;s demonetisation move may fail to win the war against black money
-Appu Esthose Suresh, Hindustan Times, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation leaves lakhs of tea, jute workers in Bengal, Northeast unpaid
-Snigdhendu Bhattacharya, Amitava Banerjee and Rahul Karmakar, Hindustan Times,
12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Show me the money -Ila Patnaik, The Indian Express, 11 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Will Modi&#039;s big currency-scrapping gamble yield results? -Roshan Kishore,
Livemint.com, 11 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Rs 500 and Rs 1,000 ban: Narendra Modi govt has created 50-day hawala window
for old notes -Narayanan Madhavan, Firstpost.com, 10 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Modi&#039;s &#039;surgical strike&#039; won&#039;t make a big difference to
black money -TT Ram Mohan, Business Standard, 10 November, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
In one stroke, demonetisation has shaken the trust our
monetary system is based on -Devangshu Datta, Scroll.in, 9 November, 2016,
please &lt;a href=&quot;https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation of Rs 500 and Rs 1000 notes: Farmers fear missing out on sowing
time -Sahil Makkar, Business Standard, 9 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Entire speech of PM Modi announcing large notes banned, Posted by Abhishek
Chakraborty, NDTV, 8 November, 2016, please &lt;a href=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&amp;nbsp;&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
International payments industry expert Guillaume Lepecq interview by Kanika
Datta, Business Standard, 16 April, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot;&gt;click
here&lt;/a&gt; to access
&lt;/p&gt;
&amp;nbsp;
&lt;br /&gt;
&lt;p&gt;
&amp;nbsp;
&lt;/p&gt;&#039;
$lang = &#039;Hindi&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
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Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
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Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51</pre></div></pre>news-alerts-57/नोटबंदी-के-साइड-इफेक्टस्-सबसे-ज्यादा-चोट-किसपर--10958.html"/>
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                <strong>नोटबंदी के साइड इफेक्टस् : सबसे ज्यादा चोट किसपर ?</strong></h1>
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?
</div>
<p align="justify">
&nbsp;
</p>
<p align="justify">
सरकारी घोषणाओं में देशवासियों से कहा गया है कि वे नगदी की तात्कालिक कमी से होने वाली असुविधा के लिए क्रेडिट कार्ड, डेबिट कार्ड, मोबाइल और इलेक्ट्रानिक वैलेट का इस्तेमाल करें. लेकिन क्या देश कैशलेस इकॉनॉमी की तरफ कदम बढ़ाने के लिए तैयार है ?
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
सवाल के किसी भी जवाब तक पहुंचने से पहले नीचे लिखे तथ्यों पर गौर करें. ये तथ्य इन्क्लूसिव मीडिया फॉर चेंज ने भारतीय रिजर्व बैंक हालिया रिपोर्ट(2015) से जुटाये हैं.
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
बीते 28 दिसंबर 2015 को दीपक मोहंती की अध्यक्षता में तैयार भारतीय रिजर्व बैंक के <a href="https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf" title="https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf">दस्तावेज</a> रिपोर्ट ऑफ द कमिटी ऑन मिडियम टर्म पाथ ऑन फायनेन्शियल इन्क्लूजन में दर्ज तथ्यों के मुताबिक ---
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
* साल 2014 में देश के तकरीबन 50 फीसद वयस्क आबादी का एक ना एक वित्तीय संस्थान में खाता था जबकि ब्रिक्स में शामिल अन्य देशों में वित्तीय संस्थानों में खाताधारक वयस्क आबादी की संख्या 70 फीसद से ऊपर है. संयुक्त राज्य अमेरिका और ग्रेट ब्रिटेन में खाताधारक वयस्क आबादी की संख्या इससे भी ज्यादा है. 
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
*  नवीनतम् सेंसस ऑफ हाऊस लिस्टिंग एंड हाऊस सर्वे (2011) के मुताबिक साल 2001 में बैंकिंग सेवाओं का इस्तेमाल करने वाले लोगों की संख्या 35 फीसद थी जो साल 2011 में बढ़कर 59 फीसद हो गई.  
</p>
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&nbsp;
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<p align="justify">
* साल 2014 में प्रति लाख आबादी पर देश में 18 एटीएम मौजूद थे. दक्षिण अफ्रीका में प्रतिलाख आबादी पर 65 एटीएम हैं और रुस में 180 एटीएम.देश में 15 साल और इससे ज्यादा उम्र के 10 फीसद लोग डेबिट कार्ड के जरिए भुगतान करते हैं जबकि दक्षिण अफ्रीका में 40 फीसद. असंगठित क्षेत्र के कामगार और छोटे उत्पादक तथा खुदरा दुकानदार रोजमर्रा की खरीद-बिक्री के लिए मुख्य रुप से नगदी पर निर्भर हैं.  
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
* देश में अनुसूचित व्यावसायिक बैंकों की संख्या साल 2001 में 6.4 थी जो 2015 के जून माह में बढ़कर 9.7 हो गई.  बैंकों की संख्या में यह वृद्धि शहरों और गांवों में असमान रुप से हुई है. ग्रामीण और अर्ध-शहरी इलाकों को एक साथ मिलाकर देखें तो साल 2001 में ऐसी जगहों पर प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 5.3 थी और 2015 के जून महीने तक बढ़कर यह संख्या 7.8 हुई जबकि इसी अवधि में शहरी और महानगरीय इलाकों में प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 11.7 से बढ़कर 18.7 हो गई है.
</p>
<p align="justify">
&nbsp;
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<p align="justify">
* साल 2006 से 2015 के बीच खातों के घनत्व यानी प्रति हजार आबादी पर खाताधारक आबादी की संख्या में पर्याप्त सुधार हुआ है. इस अवधि में खाताधारक महिलाओं की संख्या तिगुनी हुई है तो भी पुरुष खाताधारकों के घनत्व की तुलना में यह बहुत कम है. 
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<p align="justify">
*  एक तथ्य यह भी है कि जिन राज्यों में ग्रामीण आबादी तुलनात्मक रुप से ज्यादा है या तुलनात्मक रुप से जिन राज्यों में शेष राज्यों की तुलना में महिला आबादी ज्यादा है वहां लोगों को बैंकिंग सेवाओं से जोड़ने का काम कम हुआ है. 
</p>
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<p align="justify">
*  राष्ट्रीय स्तर पर देखें तो साल 2006 में प्रति हजार महिलाओं में खाताधारक महिलाओं की संख्या 143 थी जो 2010 में बढ़कर 196 हुई और 2015 के जून महीने में यह संख्या 536 पर पहुंची है. 
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*  किसी विशेष इलाके में बैंकों की संख्या में बढोत्तरी हो तो माना जा सकता है कि वहां लोगों के लिए बैकिंग सेवाओं को हासिल करना अपेक्षाकृत आसान हुआ. इलाका विशेष में बैकों की संख्या में बढोत्तरी 2006 से 2015 के बीच डेढ़ गुना हुई है. लेकिन पूर्वोत्तर के राज्य तथा बिहार, झारखंड, उत्तरप्रदेश, पश्चिम बंगाल और मध्यप्रदेश में आबादी की तुलना में बैकों की शाखाओं की संख्या में वृद्धि अपेक्षाकृत कम रही है. मार्च 2015 तक राज्यवार बेसिक सेविंग बैंक डिपॉजिट अकाउंट की संख्या(देखें उपर्युक्त लिंक) से भी संकेत मिलते हैं पूर्वोत्तर तथा पूर्वी राज्य इस मामले में शेष राज्यों की तुलना में पीछे हैं.  
</p>
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<p align="justify">
*  साल 2014 में देश की ग्रामीण आबादी का मात्र 3 फीसद हिस्सा ऐसा था जिसे अपनी कमाई का भुगतान सीधे बैंक खाते में हुआ, ब्राजील में यह तादाद 14 फीसद तथा दक्षिण अफ्रीका में यही संख्या 23 फीसद है. भारत में बैंक खाते का इस्तेमाल कम होता है इसका एक संकेत यह भी है कि तकरीबन 14 फीसद बैंकखाते 2014 में बिना गतिविधि के रहे. 
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</p>
<p align="justify">
*  भारत और वैश्विक स्तर पर केवल 2 फीसद व्यस्क आबादी के पास मोबाइल मनी अकाउंट है, उप-सहारीय अफ्रीका और केन्या में यह तादाद क्रमशः 12 फीसद और 58 फीसद है. 
</p>
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<p align="justify">
* देश के आर्थिक सर्वेक्षण रिपोर्ट 2015-16 के मुताबिक प्रधानमंत्री जन धन योजना के अंतर्गत बड़ी संख्या में खाता खुलने के बावजूद बेसिक सेविंग अकाउंटस् की संख्या ज्यादातर राज्यों में कम(46 फीसद) है. केवल 2 राज्यों, मध्यप्रदेश और छत्तीसगढ़ में यह 75 फीसद से ऊपर है. सर्वेक्षण रिपोर्ट में कहा गया है कि नीति निर्माताओं को समावेशन संबंधी भूलों के बारे में आगाह होना चाहिए जिसके वजह से बैकिंग सुविधाविहीन लाभार्थियों के खाते में प्रत्यक्ष नगदी भुगतान नहीं हो पा रहा है.
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विमुद्रीकरण के विविध पहलुओं पर केंद्रित कुछ महत्वपूर्ण जानकारियों और विद्रानों की राय के लिए कृपया निम्नलिखित लिंक देखें--
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</p>
<p class="MsoNormal">
Press release: Withdrawal of Legal Tender Status for Rs. 500
and Rs. 1000 Notes: RBI Notice, please <a href="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520" title="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520" title="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520" title="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes - Related
Links, please <a href="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270" title="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270" title="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270" title="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270">click here</a>
to access
</p>
<p class="MsoNormal">
<br />
Report of the Committee on Medium-term Path on Financial Inclusion, Reserve
Bank of India, dated 28 December, 2015, please <a href="https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf" title="RBI Report of the Committee on Medium term Path on Financial Inclusion" title="https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf" title="RBI Report of the Committee on Medium term Path on Financial Inclusion">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Economic Survey 2015-16, Volume-1, please <a href="https://im4change.in/docs/841echapter-vol1.pdf" title="http://www.im4change.org/docs/841echapter-vol1.pdf" title="https://im4change.in/docs/841echapter-vol1.pdf" title="http://www.im4change.org/docs/841echapter-vol1.pdf">click here</a> to
access <br />
<br />
</p>
<p class="MsoNormal">
Economic Survey 2015-16, Volume-2, please <a href="https://im4change.in/docs/835echapter-vol2.pdf" title="http://www.im4change.org/docs/835echapter-vol2.pdf" title="https://im4change.in/docs/835echapter-vol2.pdf" title="http://www.im4change.org/docs/835echapter-vol2.pdf">click here</a> to
access <br />
<br />
</p>
<p class="MsoNormal">
Prabhat Patnaik, economist and professor emeritus at Jawaharlal Nehru
University, interviewed by Jahnavi Sen, TheWire.in, 12 November, 2016, please <a href="https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html" title="http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html" title="https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html" title="http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Prabhat Patnaik speaks in JNU on Demonetization, SFI JNU Unit, 12 November,
2016, please <a href="https://www.youtube.com/watch?v=RlZevCgPsnY" title="https://www.youtube.com/watch?v=RlZevCgPsnY" title="https://www.youtube.com/watch?v=RlZevCgPsnY" title="https://www.youtube.com/watch?v=RlZevCgPsnY">click here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetization: Witless and Anti-People -Prabhat Patnaik, TheCitizen.in, 9
November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html" title="http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html" title="https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html" title="http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Shock and oh damn -Pronab Sen, Ideas for India, 14 November,
2016, please <a href="http://www.ideasforindia.in/article.aspx?article_id=1720" title="http://www.ideasforindia.in/article.aspx?article_id=1720" title="http://www.ideasforindia.in/article.aspx?article_id=1720" title="http://www.ideasforindia.in/article.aspx?article_id=1720">click here</a>
to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
In hunt for big sharks, livelihood of the poor becomes 
change, The Hindu, 13 November, 2016, please <a href="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true" title="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true" title="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true" title="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Demonetisation hits onion farmers, Deccan Herald, 13
November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html" title="https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html">click
here</a> to access&nbsp; 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Note demonetisation: What of the women who hide cash to feed
their children or to escape abuse? -Nishita Jha, Scroll.in, 12 November, 2016,
please <a href="https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html" title="http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html" title="https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html" title="http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation damage greater than its benefits, says Kaushik Basu -Arup
Roychoudhury, Business Standard, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html" title="http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html" title="https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html" title="http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation Fallout: Cashless Villagers Loot PDS Shop in MP's Chhatarpur
Village -Manoj Sharma, News18.com, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html" title="http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html" title="https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html" title="http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html">click
here</a> to access<br />
&nbsp;
</p>
<p class="MsoNormal">
Demonetisation hits transport business; Truckers fail to pay
-Megha Manchanda, Business Standard, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html" title="https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Dead since birth, Jan Dhan accounts now flush with cash
-Yogesh Dubey &amp; Aditya Dev, The Economic Times, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html" title="http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html" title="https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html" title="http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Why govt's demonetisation move may fail to win the war against black money
-Appu Esthose Suresh, Hindustan Times, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html" title="http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html" title="https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html" title="http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation leaves lakhs of tea, jute workers in Bengal, Northeast unpaid
-Snigdhendu Bhattacharya, Amitava Banerjee and Rahul Karmakar, Hindustan Times,
12 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html" title="http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html" title="https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html" title="http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Show me the money -Ila Patnaik, The Indian Express, 11 November, 2016, please <a href="https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html" title="http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html" title="https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html" title="http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Will Modi's big currency-scrapping gamble yield results? -Roshan Kishore,
Livemint.com, 11 November, 2016, please <a href="https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html" title="http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html" title="https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html" title="http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Rs 500 and Rs 1,000 ban: Narendra Modi govt has created 50-day hawala window
for old notes -Narayanan Madhavan, Firstpost.com, 10 November, 2016, please <a href="https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html" title="http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html" title="https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html" title="http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Modi's 'surgical strike' won't make a big difference to
black money -TT Ram Mohan, Business Standard, 10 November, 2016, please <a href="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html" title="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html" title="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html" title="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
In one stroke, demonetisation has shaken the trust our
monetary system is based on -Devangshu Datta, Scroll.in, 9 November, 2016,
please <a href="https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html" title="http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html" title="https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html" title="http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation of Rs 500 and Rs 1000 notes: Farmers fear missing out on sowing
time -Sahil Makkar, Business Standard, 9 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html" title="http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html" title="https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html" title="http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Entire speech of PM Modi announcing large notes banned, Posted by Abhishek
Chakraborty, NDTV, 8 November, 2016, please <a href="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full" title="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full" title="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full" title="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full">click
here</a> to access <br />
&nbsp;<br />
</p>
<p class="MsoNormal">
International payments industry expert Guillaume Lepecq interview by Kanika
Datta, Business Standard, 16 April, 2016, please <a href="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html" title="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html" title="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html" title="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html">click
here</a> to access
</p>
&nbsp;
<br />
<p>
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</p>               </font>
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    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f22be061df0-trace').style.display = (document.getElementById('cakeErr67f22be061df0-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67f22be061df0-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f22be061df0-code').style.display = (document.getElementById('cakeErr67f22be061df0-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f22be061df0-context').style.display = (document.getElementById('cakeErr67f22be061df0-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67f22be061df0-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
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</span></span></code></pre><pre id="cakeErr67f22be061df0-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?
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&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
सरकारी घोषणाओं में देशवासियों से कहा गया है कि वे नगदी की तात्कालिक कमी से होने वाली असुविधा के लिए क्रेडिट कार्ड, डेबिट कार्ड, मोबाइल और इलेक्ट्रानिक वैलेट का इस्तेमाल करें. लेकिन क्या देश कैशलेस इकॉनॉमी की तरफ कदम बढ़ाने के लिए तैयार है ?
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&amp;nbsp;
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सवाल के किसी भी जवाब तक पहुंचने से पहले नीचे लिखे तथ्यों पर गौर करें. ये तथ्य इन्क्लूसिव मीडिया फॉर चेंज ने भारतीय रिजर्व बैंक हालिया रिपोर्ट(2015) से जुटाये हैं.
&lt;/p&gt;
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&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
बीते 28 दिसंबर 2015 को दीपक मोहंती की अध्यक्षता में तैयार भारतीय रिजर्व बैंक के &lt;a href=&quot;tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot;&gt;दस्तावेज&lt;/a&gt; रिपोर्ट ऑफ द कमिटी ऑन मिडियम टर्म पाथ ऑन फायनेन्शियल इन्क्लूजन में दर्ज तथ्यों के मुताबिक ---
&lt;/p&gt;
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&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
* साल 2014 में देश के तकरीबन 50 फीसद वयस्क आबादी का एक ना एक वित्तीय संस्थान में खाता था जबकि ब्रिक्स में शामिल अन्य देशों में वित्तीय संस्थानों में खाताधारक वयस्क आबादी की संख्या 70 फीसद से ऊपर है. संयुक्त राज्य अमेरिका और ग्रेट ब्रिटेन में खाताधारक वयस्क आबादी की संख्या इससे भी ज्यादा है. 
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
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*  नवीनतम् सेंसस ऑफ हाऊस लिस्टिंग एंड हाऊस सर्वे (2011) के मुताबिक साल 2001 में बैंकिंग सेवाओं का इस्तेमाल करने वाले लोगों की संख्या 35 फीसद थी जो साल 2011 में बढ़कर 59 फीसद हो गई.  
&lt;/p&gt;
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&amp;nbsp;
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* साल 2014 में प्रति लाख आबादी पर देश में 18 एटीएम मौजूद थे. दक्षिण अफ्रीका में प्रतिलाख आबादी पर 65 एटीएम हैं और रुस में 180 एटीएम.देश में 15 साल और इससे ज्यादा उम्र के 10 फीसद लोग डेबिट कार्ड के जरिए भुगतान करते हैं जबकि दक्षिण अफ्रीका में 40 फीसद. असंगठित क्षेत्र के कामगार और छोटे उत्पादक तथा खुदरा दुकानदार रोजमर्रा की खरीद-बिक्री के लिए मुख्य रुप से नगदी पर निर्भर हैं.  
&lt;/p&gt;
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&amp;nbsp;
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* देश में अनुसूचित व्यावसायिक बैंकों की संख्या साल 2001 में 6.4 थी जो 2015 के जून माह में बढ़कर 9.7 हो गई.  बैंकों की संख्या में यह वृद्धि शहरों और गांवों में असमान रुप से हुई है. ग्रामीण और अर्ध-शहरी इलाकों को एक साथ मिलाकर देखें तो साल 2001 में ऐसी जगहों पर प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 5.3 थी और 2015 के जून महीने तक बढ़कर यह संख्या 7.8 हुई जबकि इसी अवधि में शहरी और महानगरीय इलाकों में प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 11.7 से बढ़कर 18.7 हो गई है.
&lt;/p&gt;
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* साल 2006 से 2015 के बीच खातों के घनत्व यानी प्रति हजार आबादी पर खाताधारक आबादी की संख्या में पर्याप्त सुधार हुआ है. इस अवधि में खाताधारक महिलाओं की संख्या तिगुनी हुई है तो भी पुरुष खाताधारकों के घनत्व की तुलना में यह बहुत कम है. 
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*  एक तथ्य यह भी है कि जिन राज्यों में ग्रामीण आबादी तुलनात्मक रुप से ज्यादा है या तुलनात्मक रुप से जिन राज्यों में शेष राज्यों की तुलना में महिला आबादी ज्यादा है वहां लोगों को बैंकिंग सेवाओं से जोड़ने का काम कम हुआ है. 
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
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*  राष्ट्रीय स्तर पर देखें तो साल 2006 में प्रति हजार महिलाओं में खाताधारक महिलाओं की संख्या 143 थी जो 2010 में बढ़कर 196 हुई और 2015 के जून महीने में यह संख्या 536 पर पहुंची है. 
&lt;/p&gt;
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*  किसी विशेष इलाके में बैंकों की संख्या में बढोत्तरी हो तो माना जा सकता है कि वहां लोगों के लिए बैकिंग सेवाओं को हासिल करना अपेक्षाकृत आसान हुआ. इलाका विशेष में बैकों की संख्या में बढोत्तरी 2006 से 2015 के बीच डेढ़ गुना हुई है. लेकिन पूर्वोत्तर के राज्य तथा बिहार, झारखंड, उत्तरप्रदेश, पश्चिम बंगाल और मध्यप्रदेश में आबादी की तुलना में बैकों की शाखाओं की संख्या में वृद्धि अपेक्षाकृत कम रही है. मार्च 2015 तक राज्यवार बेसिक सेविंग बैंक डिपॉजिट अकाउंट की संख्या(देखें उपर्युक्त लिंक) से भी संकेत मिलते हैं पूर्वोत्तर तथा पूर्वी राज्य इस मामले में शेष राज्यों की तुलना में पीछे हैं.  
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
*  साल 2014 में देश की ग्रामीण आबादी का मात्र 3 फीसद हिस्सा ऐसा था जिसे अपनी कमाई का भुगतान सीधे बैंक खाते में हुआ, ब्राजील में यह तादाद 14 फीसद तथा दक्षिण अफ्रीका में यही संख्या 23 फीसद है. भारत में बैंक खाते का इस्तेमाल कम होता है इसका एक संकेत यह भी है कि तकरीबन 14 फीसद बैंकखाते 2014 में बिना गतिविधि के रहे. 
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
*  भारत और वैश्विक स्तर पर केवल 2 फीसद व्यस्क आबादी के पास मोबाइल मनी अकाउंट है, उप-सहारीय अफ्रीका और केन्या में यह तादाद क्रमशः 12 फीसद और 58 फीसद है. 
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
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&lt;p align=&quot;justify&quot;&gt;
* देश के आर्थिक सर्वेक्षण रिपोर्ट 2015-16 के मुताबिक प्रधानमंत्री जन धन योजना के अंतर्गत बड़ी संख्या में खाता खुलने के बावजूद बेसिक सेविंग अकाउंटस् की संख्या ज्यादातर राज्यों में कम(46 फीसद) है. केवल 2 राज्यों, मध्यप्रदेश और छत्तीसगढ़ में यह 75 फीसद से ऊपर है. सर्वेक्षण रिपोर्ट में कहा गया है कि नीति निर्माताओं को समावेशन संबंधी भूलों के बारे में आगाह होना चाहिए जिसके वजह से बैकिंग सुविधाविहीन लाभार्थियों के खाते में प्रत्यक्ष नगदी भुगतान नहीं हो पा रहा है.
&lt;/p&gt;
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&amp;nbsp;
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विमुद्रीकरण के विविध पहलुओं पर केंद्रित कुछ महत्वपूर्ण जानकारियों और विद्रानों की राय के लिए कृपया निम्नलिखित लिंक देखें--
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&lt;p class=&quot;MsoNormal&quot;&gt;
Press release: Withdrawal of Legal Tender Status for Rs. 500
and Rs. 1000 Notes: RBI Notice, please &lt;a href=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes - Related
Links, please &lt;a href=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot;&gt;click here&lt;/a&gt;
to access
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;
Report of the Committee on Medium-term Path on Financial Inclusion, Reserve
Bank of India, dated 28 December, 2015, please &lt;a href=&quot;tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;RBI Report of the Committee on Medium term Path on Financial Inclusion&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-1, please &lt;a href=&quot;../docs/841echapter-vol1.pdf&quot; title=&quot;http://www.im4change.org/docs/841echapter-vol1.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-2, please &lt;a href=&quot;../docs/835echapter-vol2.pdf&quot; title=&quot;http://www.im4change.org/docs/835echapter-vol2.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik, economist and professor emeritus at Jawaharlal Nehru
University, interviewed by Jahnavi Sen, TheWire.in, 12 November, 2016, please &lt;a href=&quot;../interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik speaks in JNU on Demonetization, SFI JNU Unit, 12 November,
2016, please &lt;a href=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot;&gt;click here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetization: Witless and Anti-People -Prabhat Patnaik, TheCitizen.in, 9
November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Shock and oh damn -Pronab Sen, Ideas for India, 14 November,
2016, please &lt;a href=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot;&gt;click here&lt;/a&gt;
to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
In hunt for big sharks, livelihood of the poor becomes small
change, The Hindu, 13 November, 2016, please &lt;a href=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes-small-change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes-small-change/article16376199.ece?homepage=true&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits onion farmers, Deccan Herald, 13
November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot;&gt;click
here&lt;/a&gt; to access&amp;nbsp; 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Note demonetisation: What of the women who hide cash to feed
their children or to escape abuse? -Nishita Jha, Scroll.in, 12 November, 2016,
please &lt;a href=&quot;../latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation damage greater than its benefits, says Kaushik Basu -Arup
Roychoudhury, Business Standard, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation Fallout: Cashless Villagers Loot PDS Shop in MP&#039;s Chhatarpur
Village -Manoj Sharma, News18.com, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits transport business; Truckers fail to pay
-Megha Manchanda, Business Standard, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Dead since birth, Jan Dhan accounts now flush with cash
-Yogesh Dubey &amp;amp; Aditya Dev, The Economic Times, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Why govt&#039;s demonetisation move may fail to win the war against black money
-Appu Esthose Suresh, Hindustan Times, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation leaves lakhs of tea, jute workers in Bengal, Northeast unpaid
-Snigdhendu Bhattacharya, Amitava Banerjee and Rahul Karmakar, Hindustan Times,
12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Show me the money -Ila Patnaik, The Indian Express, 11 November, 2016, please &lt;a href=&quot;../latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Will Modi&#039;s big currency-scrapping gamble yield results? -Roshan Kishore,
Livemint.com, 11 November, 2016, please &lt;a href=&quot;../latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Rs 500 and Rs 1,000 ban: Narendra Modi govt has created 50-day hawala window
for old notes -Narayanan Madhavan, Firstpost.com, 10 November, 2016, please &lt;a href=&quot;../latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Modi&#039;s &#039;surgical strike&#039; won&#039;t make a big difference to
black money -TT Ram Mohan, Business Standard, 10 November, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
In one stroke, demonetisation has shaken the trust our
monetary system is based on -Devangshu Datta, Scroll.in, 9 November, 2016,
please &lt;a href=&quot;../latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation of Rs 500 and Rs 1000 notes: Farmers fear missing out on sowing
time -Sahil Makkar, Business Standard, 9 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Entire speech of PM Modi announcing large notes banned, Posted by Abhishek
Chakraborty, NDTV, 8 November, 2016, please &lt;a href=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&amp;nbsp;&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
International payments industry expert Guillaume Lepecq interview by Kanika
Datta, Business Standard, 16 April, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot;&gt;click
here&lt;/a&gt; to access
&lt;/p&gt;
&amp;nbsp;
&lt;br /&gt;
&lt;p&gt;
&amp;nbsp;
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?


&amp;nbsp;


सरकारी घोषणाओं में देशवासियों से कहा गया है कि...&#039;,
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?
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सरकारी घोषणाओं में देशवासियों से कहा गया है कि वे नगदी की तात्कालिक कमी से होने वाली असुविधा के लिए क्रेडिट कार्ड, डेबिट कार्ड, मोबाइल और इलेक्ट्रानिक वैलेट का इस्तेमाल करें. लेकिन क्या देश कैशलेस इकॉनॉमी की तरफ कदम बढ़ाने के लिए तैयार है ?
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सवाल के किसी भी जवाब तक पहुंचने से पहले नीचे लिखे तथ्यों पर गौर करें. ये तथ्य इन्क्लूसिव मीडिया फॉर चेंज ने भारतीय रिजर्व बैंक हालिया रिपोर्ट(2015) से जुटाये हैं.
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बीते 28 दिसंबर 2015 को दीपक मोहंती की अध्यक्षता में तैयार भारतीय रिजर्व बैंक के &lt;a href=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot;&gt;दस्तावेज&lt;/a&gt; रिपोर्ट ऑफ द कमिटी ऑन मिडियम टर्म पाथ ऑन फायनेन्शियल इन्क्लूजन में दर्ज तथ्यों के मुताबिक ---
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* साल 2014 में देश के तकरीबन 50 फीसद वयस्क आबादी का एक ना एक वित्तीय संस्थान में खाता था जबकि ब्रिक्स में शामिल अन्य देशों में वित्तीय संस्थानों में खाताधारक वयस्क आबादी की संख्या 70 फीसद से ऊपर है. संयुक्त राज्य अमेरिका और ग्रेट ब्रिटेन में खाताधारक वयस्क आबादी की संख्या इससे भी ज्यादा है. 
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*  नवीनतम् सेंसस ऑफ हाऊस लिस्टिंग एंड हाऊस सर्वे (2011) के मुताबिक साल 2001 में बैंकिंग सेवाओं का इस्तेमाल करने वाले लोगों की संख्या 35 फीसद थी जो साल 2011 में बढ़कर 59 फीसद हो गई.  
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* साल 2014 में प्रति लाख आबादी पर देश में 18 एटीएम मौजूद थे. दक्षिण अफ्रीका में प्रतिलाख आबादी पर 65 एटीएम हैं और रुस में 180 एटीएम.देश में 15 साल और इससे ज्यादा उम्र के 10 फीसद लोग डेबिट कार्ड के जरिए भुगतान करते हैं जबकि दक्षिण अफ्रीका में 40 फीसद. असंगठित क्षेत्र के कामगार और छोटे उत्पादक तथा खुदरा दुकानदार रोजमर्रा की खरीद-बिक्री के लिए मुख्य रुप से नगदी पर निर्भर हैं.  
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* देश में अनुसूचित व्यावसायिक बैंकों की संख्या साल 2001 में 6.4 थी जो 2015 के जून माह में बढ़कर 9.7 हो गई.  बैंकों की संख्या में यह वृद्धि शहरों और गांवों में असमान रुप से हुई है. ग्रामीण और अर्ध-शहरी इलाकों को एक साथ मिलाकर देखें तो साल 2001 में ऐसी जगहों पर प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 5.3 थी और 2015 के जून महीने तक बढ़कर यह संख्या 7.8 हुई जबकि इसी अवधि में शहरी और महानगरीय इलाकों में प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 11.7 से बढ़कर 18.7 हो गई है.
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* साल 2006 से 2015 के बीच खातों के घनत्व यानी प्रति हजार आबादी पर खाताधारक आबादी की संख्या में पर्याप्त सुधार हुआ है. इस अवधि में खाताधारक महिलाओं की संख्या तिगुनी हुई है तो भी पुरुष खाताधारकों के घनत्व की तुलना में यह बहुत कम है. 
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*  एक तथ्य यह भी है कि जिन राज्यों में ग्रामीण आबादी तुलनात्मक रुप से ज्यादा है या तुलनात्मक रुप से जिन राज्यों में शेष राज्यों की तुलना में महिला आबादी ज्यादा है वहां लोगों को बैंकिंग सेवाओं से जोड़ने का काम कम हुआ है. 
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*  राष्ट्रीय स्तर पर देखें तो साल 2006 में प्रति हजार महिलाओं में खाताधारक महिलाओं की संख्या 143 थी जो 2010 में बढ़कर 196 हुई और 2015 के जून महीने में यह संख्या 536 पर पहुंची है. 
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*  किसी विशेष इलाके में बैंकों की संख्या में बढोत्तरी हो तो माना जा सकता है कि वहां लोगों के लिए बैकिंग सेवाओं को हासिल करना अपेक्षाकृत आसान हुआ. इलाका विशेष में बैकों की संख्या में बढोत्तरी 2006 से 2015 के बीच डेढ़ गुना हुई है. लेकिन पूर्वोत्तर के राज्य तथा बिहार, झारखंड, उत्तरप्रदेश, पश्चिम बंगाल और मध्यप्रदेश में आबादी की तुलना में बैकों की शाखाओं की संख्या में वृद्धि अपेक्षाकृत कम रही है. मार्च 2015 तक राज्यवार बेसिक सेविंग बैंक डिपॉजिट अकाउंट की संख्या(देखें उपर्युक्त लिंक) से भी संकेत मिलते हैं पूर्वोत्तर तथा पूर्वी राज्य इस मामले में शेष राज्यों की तुलना में पीछे हैं.  
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*  साल 2014 में देश की ग्रामीण आबादी का मात्र 3 फीसद हिस्सा ऐसा था जिसे अपनी कमाई का भुगतान सीधे बैंक खाते में हुआ, ब्राजील में यह तादाद 14 फीसद तथा दक्षिण अफ्रीका में यही संख्या 23 फीसद है. भारत में बैंक खाते का इस्तेमाल कम होता है इसका एक संकेत यह भी है कि तकरीबन 14 फीसद बैंकखाते 2014 में बिना गतिविधि के रहे. 
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*  भारत और वैश्विक स्तर पर केवल 2 फीसद व्यस्क आबादी के पास मोबाइल मनी अकाउंट है, उप-सहारीय अफ्रीका और केन्या में यह तादाद क्रमशः 12 फीसद और 58 फीसद है. 
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* देश के आर्थिक सर्वेक्षण रिपोर्ट 2015-16 के मुताबिक प्रधानमंत्री जन धन योजना के अंतर्गत बड़ी संख्या में खाता खुलने के बावजूद बेसिक सेविंग अकाउंटस् की संख्या ज्यादातर राज्यों में कम(46 फीसद) है. केवल 2 राज्यों, मध्यप्रदेश और छत्तीसगढ़ में यह 75 फीसद से ऊपर है. सर्वेक्षण रिपोर्ट में कहा गया है कि नीति निर्माताओं को समावेशन संबंधी भूलों के बारे में आगाह होना चाहिए जिसके वजह से बैकिंग सुविधाविहीन लाभार्थियों के खाते में प्रत्यक्ष नगदी भुगतान नहीं हो पा रहा है.
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विमुद्रीकरण के विविध पहलुओं पर केंद्रित कुछ महत्वपूर्ण जानकारियों और विद्रानों की राय के लिए कृपया निम्नलिखित लिंक देखें--
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&lt;p class=&quot;MsoNormal&quot;&gt;
Press release: Withdrawal of Legal Tender Status for Rs. 500
and Rs. 1000 Notes: RBI Notice, please &lt;a href=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes - Related
Links, please &lt;a href=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot;&gt;click here&lt;/a&gt;
to access
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;
Report of the Committee on Medium-term Path on Financial Inclusion, Reserve
Bank of India, dated 28 December, 2015, please &lt;a href=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;RBI Report of the Committee on Medium term Path on Financial Inclusion&quot; title=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;RBI Report of the Committee on Medium term Path on Financial Inclusion&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-1, please &lt;a href=&quot;https://im4change.in/docs/841echapter-vol1.pdf&quot; title=&quot;http://www.im4change.org/docs/841echapter-vol1.pdf&quot; title=&quot;https://im4change.in/docs/841echapter-vol1.pdf&quot; title=&quot;http://www.im4change.org/docs/841echapter-vol1.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-2, please &lt;a href=&quot;https://im4change.in/docs/835echapter-vol2.pdf&quot; title=&quot;http://www.im4change.org/docs/835echapter-vol2.pdf&quot; title=&quot;https://im4change.in/docs/835echapter-vol2.pdf&quot; title=&quot;http://www.im4change.org/docs/835echapter-vol2.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik, economist and professor emeritus at Jawaharlal Nehru
University, interviewed by Jahnavi Sen, TheWire.in, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik speaks in JNU on Demonetization, SFI JNU Unit, 12 November,
2016, please &lt;a href=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot;&gt;click here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetization: Witless and Anti-People -Prabhat Patnaik, TheCitizen.in, 9
November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Shock and oh damn -Pronab Sen, Ideas for India, 14 November,
2016, please &lt;a href=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot;&gt;click here&lt;/a&gt;
to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
In hunt for big sharks, livelihood of the poor becomes 
change, The Hindu, 13 November, 2016, please &lt;a href=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits onion farmers, Deccan Herald, 13
November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot;&gt;click
here&lt;/a&gt; to access&amp;nbsp; 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Note demonetisation: What of the women who hide cash to feed
their children or to escape abuse? -Nishita Jha, Scroll.in, 12 November, 2016,
please &lt;a href=&quot;https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation damage greater than its benefits, says Kaushik Basu -Arup
Roychoudhury, Business Standard, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation Fallout: Cashless Villagers Loot PDS Shop in MP&#039;s Chhatarpur
Village -Manoj Sharma, News18.com, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits transport business; Truckers fail to pay
-Megha Manchanda, Business Standard, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Dead since birth, Jan Dhan accounts now flush with cash
-Yogesh Dubey &amp;amp; Aditya Dev, The Economic Times, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Why govt&#039;s demonetisation move may fail to win the war against black money
-Appu Esthose Suresh, Hindustan Times, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation leaves lakhs of tea, jute workers in Bengal, Northeast unpaid
-Snigdhendu Bhattacharya, Amitava Banerjee and Rahul Karmakar, Hindustan Times,
12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Show me the money -Ila Patnaik, The Indian Express, 11 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Will Modi&#039;s big currency-scrapping gamble yield results? -Roshan Kishore,
Livemint.com, 11 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Rs 500 and Rs 1,000 ban: Narendra Modi govt has created 50-day hawala window
for old notes -Narayanan Madhavan, Firstpost.com, 10 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Modi&#039;s &#039;surgical strike&#039; won&#039;t make a big difference to
black money -TT Ram Mohan, Business Standard, 10 November, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
In one stroke, demonetisation has shaken the trust our
monetary system is based on -Devangshu Datta, Scroll.in, 9 November, 2016,
please &lt;a href=&quot;https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation of Rs 500 and Rs 1000 notes: Farmers fear missing out on sowing
time -Sahil Makkar, Business Standard, 9 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Entire speech of PM Modi announcing large notes banned, Posted by Abhishek
Chakraborty, NDTV, 8 November, 2016, please &lt;a href=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&amp;nbsp;&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
International payments industry expert Guillaume Lepecq interview by Kanika
Datta, Business Standard, 16 April, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot;&gt;click
here&lt;/a&gt; to access
&lt;/p&gt;
&amp;nbsp;
&lt;br /&gt;
&lt;p&gt;
&amp;nbsp;
&lt;/p&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;Hindi&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
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	&#039;id&#039; =&gt; (int) 51788,
	&#039;title&#039; =&gt; &#039;नोटबंदी के साइड इफेक्टस् : सबसे ज्यादा चोट किसपर ?&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
सरकारी घोषणाओं में देशवासियों से कहा गया है कि वे नगदी की तात्कालिक कमी से होने वाली असुविधा के लिए क्रेडिट कार्ड, डेबिट कार्ड, मोबाइल और इलेक्ट्रानिक वैलेट का इस्तेमाल करें. लेकिन क्या देश कैशलेस इकॉनॉमी की तरफ कदम बढ़ाने के लिए तैयार है ?
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
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सवाल के किसी भी जवाब तक पहुंचने से पहले नीचे लिखे तथ्यों पर गौर करें. ये तथ्य इन्क्लूसिव मीडिया फॉर चेंज ने भारतीय रिजर्व बैंक हालिया रिपोर्ट(2015) से जुटाये हैं.
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बीते 28 दिसंबर 2015 को दीपक मोहंती की अध्यक्षता में तैयार भारतीय रिजर्व बैंक के &lt;a href=&quot;tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot;&gt;दस्तावेज&lt;/a&gt; रिपोर्ट ऑफ द कमिटी ऑन मिडियम टर्म पाथ ऑन फायनेन्शियल इन्क्लूजन में दर्ज तथ्यों के मुताबिक ---
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* साल 2014 में देश के तकरीबन 50 फीसद वयस्क आबादी का एक ना एक वित्तीय संस्थान में खाता था जबकि ब्रिक्स में शामिल अन्य देशों में वित्तीय संस्थानों में खाताधारक वयस्क आबादी की संख्या 70 फीसद से ऊपर है. संयुक्त राज्य अमेरिका और ग्रेट ब्रिटेन में खाताधारक वयस्क आबादी की संख्या इससे भी ज्यादा है. 
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*  नवीनतम् सेंसस ऑफ हाऊस लिस्टिंग एंड हाऊस सर्वे (2011) के मुताबिक साल 2001 में बैंकिंग सेवाओं का इस्तेमाल करने वाले लोगों की संख्या 35 फीसद थी जो साल 2011 में बढ़कर 59 फीसद हो गई.  
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* साल 2014 में प्रति लाख आबादी पर देश में 18 एटीएम मौजूद थे. दक्षिण अफ्रीका में प्रतिलाख आबादी पर 65 एटीएम हैं और रुस में 180 एटीएम.देश में 15 साल और इससे ज्यादा उम्र के 10 फीसद लोग डेबिट कार्ड के जरिए भुगतान करते हैं जबकि दक्षिण अफ्रीका में 40 फीसद. असंगठित क्षेत्र के कामगार और छोटे उत्पादक तथा खुदरा दुकानदार रोजमर्रा की खरीद-बिक्री के लिए मुख्य रुप से नगदी पर निर्भर हैं.  
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* देश में अनुसूचित व्यावसायिक बैंकों की संख्या साल 2001 में 6.4 थी जो 2015 के जून माह में बढ़कर 9.7 हो गई.  बैंकों की संख्या में यह वृद्धि शहरों और गांवों में असमान रुप से हुई है. ग्रामीण और अर्ध-शहरी इलाकों को एक साथ मिलाकर देखें तो साल 2001 में ऐसी जगहों पर प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 5.3 थी और 2015 के जून महीने तक बढ़कर यह संख्या 7.8 हुई जबकि इसी अवधि में शहरी और महानगरीय इलाकों में प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 11.7 से बढ़कर 18.7 हो गई है.
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* साल 2006 से 2015 के बीच खातों के घनत्व यानी प्रति हजार आबादी पर खाताधारक आबादी की संख्या में पर्याप्त सुधार हुआ है. इस अवधि में खाताधारक महिलाओं की संख्या तिगुनी हुई है तो भी पुरुष खाताधारकों के घनत्व की तुलना में यह बहुत कम है. 
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*  एक तथ्य यह भी है कि जिन राज्यों में ग्रामीण आबादी तुलनात्मक रुप से ज्यादा है या तुलनात्मक रुप से जिन राज्यों में शेष राज्यों की तुलना में महिला आबादी ज्यादा है वहां लोगों को बैंकिंग सेवाओं से जोड़ने का काम कम हुआ है. 
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*  राष्ट्रीय स्तर पर देखें तो साल 2006 में प्रति हजार महिलाओं में खाताधारक महिलाओं की संख्या 143 थी जो 2010 में बढ़कर 196 हुई और 2015 के जून महीने में यह संख्या 536 पर पहुंची है. 
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*  किसी विशेष इलाके में बैंकों की संख्या में बढोत्तरी हो तो माना जा सकता है कि वहां लोगों के लिए बैकिंग सेवाओं को हासिल करना अपेक्षाकृत आसान हुआ. इलाका विशेष में बैकों की संख्या में बढोत्तरी 2006 से 2015 के बीच डेढ़ गुना हुई है. लेकिन पूर्वोत्तर के राज्य तथा बिहार, झारखंड, उत्तरप्रदेश, पश्चिम बंगाल और मध्यप्रदेश में आबादी की तुलना में बैकों की शाखाओं की संख्या में वृद्धि अपेक्षाकृत कम रही है. मार्च 2015 तक राज्यवार बेसिक सेविंग बैंक डिपॉजिट अकाउंट की संख्या(देखें उपर्युक्त लिंक) से भी संकेत मिलते हैं पूर्वोत्तर तथा पूर्वी राज्य इस मामले में शेष राज्यों की तुलना में पीछे हैं.  
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*  साल 2014 में देश की ग्रामीण आबादी का मात्र 3 फीसद हिस्सा ऐसा था जिसे अपनी कमाई का भुगतान सीधे बैंक खाते में हुआ, ब्राजील में यह तादाद 14 फीसद तथा दक्षिण अफ्रीका में यही संख्या 23 फीसद है. भारत में बैंक खाते का इस्तेमाल कम होता है इसका एक संकेत यह भी है कि तकरीबन 14 फीसद बैंकखाते 2014 में बिना गतिविधि के रहे. 
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*  भारत और वैश्विक स्तर पर केवल 2 फीसद व्यस्क आबादी के पास मोबाइल मनी अकाउंट है, उप-सहारीय अफ्रीका और केन्या में यह तादाद क्रमशः 12 फीसद और 58 फीसद है. 
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* देश के आर्थिक सर्वेक्षण रिपोर्ट 2015-16 के मुताबिक प्रधानमंत्री जन धन योजना के अंतर्गत बड़ी संख्या में खाता खुलने के बावजूद बेसिक सेविंग अकाउंटस् की संख्या ज्यादातर राज्यों में कम(46 फीसद) है. केवल 2 राज्यों, मध्यप्रदेश और छत्तीसगढ़ में यह 75 फीसद से ऊपर है. सर्वेक्षण रिपोर्ट में कहा गया है कि नीति निर्माताओं को समावेशन संबंधी भूलों के बारे में आगाह होना चाहिए जिसके वजह से बैकिंग सुविधाविहीन लाभार्थियों के खाते में प्रत्यक्ष नगदी भुगतान नहीं हो पा रहा है.
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विमुद्रीकरण के विविध पहलुओं पर केंद्रित कुछ महत्वपूर्ण जानकारियों और विद्रानों की राय के लिए कृपया निम्नलिखित लिंक देखें--
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&lt;p class=&quot;MsoNormal&quot;&gt;
Press release: Withdrawal of Legal Tender Status for Rs. 500
and Rs. 1000 Notes: RBI Notice, please &lt;a href=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes - Related
Links, please &lt;a href=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot;&gt;click here&lt;/a&gt;
to access
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;
Report of the Committee on Medium-term Path on Financial Inclusion, Reserve
Bank of India, dated 28 December, 2015, please &lt;a href=&quot;tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;RBI Report of the Committee on Medium term Path on Financial Inclusion&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-1, please &lt;a href=&quot;../docs/841echapter-vol1.pdf&quot; title=&quot;http://www.im4change.org/docs/841echapter-vol1.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-2, please &lt;a href=&quot;../docs/835echapter-vol2.pdf&quot; title=&quot;http://www.im4change.org/docs/835echapter-vol2.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik, economist and professor emeritus at Jawaharlal Nehru
University, interviewed by Jahnavi Sen, TheWire.in, 12 November, 2016, please &lt;a href=&quot;../interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik speaks in JNU on Demonetization, SFI JNU Unit, 12 November,
2016, please &lt;a href=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot;&gt;click here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetization: Witless and Anti-People -Prabhat Patnaik, TheCitizen.in, 9
November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Shock and oh damn -Pronab Sen, Ideas for India, 14 November,
2016, please &lt;a href=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot;&gt;click here&lt;/a&gt;
to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
In hunt for big sharks, livelihood of the poor becomes small
change, The Hindu, 13 November, 2016, please &lt;a href=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes-small-change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes-small-change/article16376199.ece?homepage=true&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits onion farmers, Deccan Herald, 13
November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot;&gt;click
here&lt;/a&gt; to access&amp;nbsp; 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
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&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Note demonetisation: What of the women who hide cash to feed
their children or to escape abuse? -Nishita Jha, Scroll.in, 12 November, 2016,
please &lt;a href=&quot;../latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation damage greater than its benefits, says Kaushik Basu -Arup
Roychoudhury, Business Standard, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation Fallout: Cashless Villagers Loot PDS Shop in MP&#039;s Chhatarpur
Village -Manoj Sharma, News18.com, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits transport business; Truckers fail to pay
-Megha Manchanda, Business Standard, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Dead since birth, Jan Dhan accounts now flush with cash
-Yogesh Dubey &amp;amp; Aditya Dev, The Economic Times, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Why govt&#039;s demonetisation move may fail to win the war against black money
-Appu Esthose Suresh, Hindustan Times, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
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Demonetisation leaves lakhs of tea, jute workers in Bengal, Northeast unpaid
-Snigdhendu Bhattacharya, Amitava Banerjee and Rahul Karmakar, Hindustan Times,
12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
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Show me the money -Ila Patnaik, The Indian Express, 11 November, 2016, please &lt;a href=&quot;../latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
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Will Modi&#039;s big currency-scrapping gamble yield results? -Roshan Kishore,
Livemint.com, 11 November, 2016, please &lt;a href=&quot;../latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
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Rs 500 and Rs 1,000 ban: Narendra Modi govt has created 50-day hawala window
for old notes -Narayanan Madhavan, Firstpost.com, 10 November, 2016, please &lt;a href=&quot;../latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot;&gt;click
here&lt;/a&gt; to access 
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Modi&#039;s &#039;surgical strike&#039; won&#039;t make a big difference to
black money -TT Ram Mohan, Business Standard, 10 November, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot;&gt;click
here&lt;/a&gt; to access 
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In one stroke, demonetisation has shaken the trust our
monetary system is based on -Devangshu Datta, Scroll.in, 9 November, 2016,
please &lt;a href=&quot;../latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation of Rs 500 and Rs 1000 notes: Farmers fear missing out on sowing
time -Sahil Makkar, Business Standard, 9 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Entire speech of PM Modi announcing large notes banned, Posted by Abhishek
Chakraborty, NDTV, 8 November, 2016, please &lt;a href=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&amp;nbsp;&lt;br /&gt;
&lt;/p&gt;
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International payments industry expert Guillaume Lepecq interview by Kanika
Datta, Business Standard, 16 April, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot;&gt;click
here&lt;/a&gt; to access
&lt;/p&gt;
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?


&amp;nbsp;


सरकारी घोषणाओं में देशवासियों से कहा गया है कि...&#039;
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?
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सरकारी घोषणाओं में देशवासियों से कहा गया है कि वे नगदी की तात्कालिक कमी से होने वाली असुविधा के लिए क्रेडिट कार्ड, डेबिट कार्ड, मोबाइल और इलेक्ट्रानिक वैलेट का इस्तेमाल करें. लेकिन क्या देश कैशलेस इकॉनॉमी की तरफ कदम बढ़ाने के लिए तैयार है ?
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सवाल के किसी भी जवाब तक पहुंचने से पहले नीचे लिखे तथ्यों पर गौर करें. ये तथ्य इन्क्लूसिव मीडिया फॉर चेंज ने भारतीय रिजर्व बैंक हालिया रिपोर्ट(2015) से जुटाये हैं.
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बीते 28 दिसंबर 2015 को दीपक मोहंती की अध्यक्षता में तैयार भारतीय रिजर्व बैंक के &lt;a href=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot;&gt;दस्तावेज&lt;/a&gt; रिपोर्ट ऑफ द कमिटी ऑन मिडियम टर्म पाथ ऑन फायनेन्शियल इन्क्लूजन में दर्ज तथ्यों के मुताबिक ---
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* साल 2014 में देश के तकरीबन 50 फीसद वयस्क आबादी का एक ना एक वित्तीय संस्थान में खाता था जबकि ब्रिक्स में शामिल अन्य देशों में वित्तीय संस्थानों में खाताधारक वयस्क आबादी की संख्या 70 फीसद से ऊपर है. संयुक्त राज्य अमेरिका और ग्रेट ब्रिटेन में खाताधारक वयस्क आबादी की संख्या इससे भी ज्यादा है. 
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*  नवीनतम् सेंसस ऑफ हाऊस लिस्टिंग एंड हाऊस सर्वे (2011) के मुताबिक साल 2001 में बैंकिंग सेवाओं का इस्तेमाल करने वाले लोगों की संख्या 35 फीसद थी जो साल 2011 में बढ़कर 59 फीसद हो गई.  
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* साल 2014 में प्रति लाख आबादी पर देश में 18 एटीएम मौजूद थे. दक्षिण अफ्रीका में प्रतिलाख आबादी पर 65 एटीएम हैं और रुस में 180 एटीएम.देश में 15 साल और इससे ज्यादा उम्र के 10 फीसद लोग डेबिट कार्ड के जरिए भुगतान करते हैं जबकि दक्षिण अफ्रीका में 40 फीसद. असंगठित क्षेत्र के कामगार और छोटे उत्पादक तथा खुदरा दुकानदार रोजमर्रा की खरीद-बिक्री के लिए मुख्य रुप से नगदी पर निर्भर हैं.  
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* देश में अनुसूचित व्यावसायिक बैंकों की संख्या साल 2001 में 6.4 थी जो 2015 के जून माह में बढ़कर 9.7 हो गई.  बैंकों की संख्या में यह वृद्धि शहरों और गांवों में असमान रुप से हुई है. ग्रामीण और अर्ध-शहरी इलाकों को एक साथ मिलाकर देखें तो साल 2001 में ऐसी जगहों पर प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 5.3 थी और 2015 के जून महीने तक बढ़कर यह संख्या 7.8 हुई जबकि इसी अवधि में शहरी और महानगरीय इलाकों में प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 11.7 से बढ़कर 18.7 हो गई है.
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* साल 2006 से 2015 के बीच खातों के घनत्व यानी प्रति हजार आबादी पर खाताधारक आबादी की संख्या में पर्याप्त सुधार हुआ है. इस अवधि में खाताधारक महिलाओं की संख्या तिगुनी हुई है तो भी पुरुष खाताधारकों के घनत्व की तुलना में यह बहुत कम है. 
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*  एक तथ्य यह भी है कि जिन राज्यों में ग्रामीण आबादी तुलनात्मक रुप से ज्यादा है या तुलनात्मक रुप से जिन राज्यों में शेष राज्यों की तुलना में महिला आबादी ज्यादा है वहां लोगों को बैंकिंग सेवाओं से जोड़ने का काम कम हुआ है. 
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*  राष्ट्रीय स्तर पर देखें तो साल 2006 में प्रति हजार महिलाओं में खाताधारक महिलाओं की संख्या 143 थी जो 2010 में बढ़कर 196 हुई और 2015 के जून महीने में यह संख्या 536 पर पहुंची है. 
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*  किसी विशेष इलाके में बैंकों की संख्या में बढोत्तरी हो तो माना जा सकता है कि वहां लोगों के लिए बैकिंग सेवाओं को हासिल करना अपेक्षाकृत आसान हुआ. इलाका विशेष में बैकों की संख्या में बढोत्तरी 2006 से 2015 के बीच डेढ़ गुना हुई है. लेकिन पूर्वोत्तर के राज्य तथा बिहार, झारखंड, उत्तरप्रदेश, पश्चिम बंगाल और मध्यप्रदेश में आबादी की तुलना में बैकों की शाखाओं की संख्या में वृद्धि अपेक्षाकृत कम रही है. मार्च 2015 तक राज्यवार बेसिक सेविंग बैंक डिपॉजिट अकाउंट की संख्या(देखें उपर्युक्त लिंक) से भी संकेत मिलते हैं पूर्वोत्तर तथा पूर्वी राज्य इस मामले में शेष राज्यों की तुलना में पीछे हैं.  
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*  साल 2014 में देश की ग्रामीण आबादी का मात्र 3 फीसद हिस्सा ऐसा था जिसे अपनी कमाई का भुगतान सीधे बैंक खाते में हुआ, ब्राजील में यह तादाद 14 फीसद तथा दक्षिण अफ्रीका में यही संख्या 23 फीसद है. भारत में बैंक खाते का इस्तेमाल कम होता है इसका एक संकेत यह भी है कि तकरीबन 14 फीसद बैंकखाते 2014 में बिना गतिविधि के रहे. 
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*  भारत और वैश्विक स्तर पर केवल 2 फीसद व्यस्क आबादी के पास मोबाइल मनी अकाउंट है, उप-सहारीय अफ्रीका और केन्या में यह तादाद क्रमशः 12 फीसद और 58 फीसद है. 
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* देश के आर्थिक सर्वेक्षण रिपोर्ट 2015-16 के मुताबिक प्रधानमंत्री जन धन योजना के अंतर्गत बड़ी संख्या में खाता खुलने के बावजूद बेसिक सेविंग अकाउंटस् की संख्या ज्यादातर राज्यों में कम(46 फीसद) है. केवल 2 राज्यों, मध्यप्रदेश और छत्तीसगढ़ में यह 75 फीसद से ऊपर है. सर्वेक्षण रिपोर्ट में कहा गया है कि नीति निर्माताओं को समावेशन संबंधी भूलों के बारे में आगाह होना चाहिए जिसके वजह से बैकिंग सुविधाविहीन लाभार्थियों के खाते में प्रत्यक्ष नगदी भुगतान नहीं हो पा रहा है.
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विमुद्रीकरण के विविध पहलुओं पर केंद्रित कुछ महत्वपूर्ण जानकारियों और विद्रानों की राय के लिए कृपया निम्नलिखित लिंक देखें--
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&lt;p class=&quot;MsoNormal&quot;&gt;
Press release: Withdrawal of Legal Tender Status for Rs. 500
and Rs. 1000 Notes: RBI Notice, please &lt;a href=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes - Related
Links, please &lt;a href=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot;&gt;click here&lt;/a&gt;
to access
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;
Report of the Committee on Medium-term Path on Financial Inclusion, Reserve
Bank of India, dated 28 December, 2015, please &lt;a href=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;RBI Report of the Committee on Medium term Path on Financial Inclusion&quot; title=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;RBI Report of the Committee on Medium term Path on Financial Inclusion&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-1, please &lt;a href=&quot;https://im4change.in/docs/841echapter-vol1.pdf&quot; title=&quot;http://www.im4change.org/docs/841echapter-vol1.pdf&quot; title=&quot;https://im4change.in/docs/841echapter-vol1.pdf&quot; title=&quot;http://www.im4change.org/docs/841echapter-vol1.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-2, please &lt;a href=&quot;https://im4change.in/docs/835echapter-vol2.pdf&quot; title=&quot;http://www.im4change.org/docs/835echapter-vol2.pdf&quot; title=&quot;https://im4change.in/docs/835echapter-vol2.pdf&quot; title=&quot;http://www.im4change.org/docs/835echapter-vol2.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik, economist and professor emeritus at Jawaharlal Nehru
University, interviewed by Jahnavi Sen, TheWire.in, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik speaks in JNU on Demonetization, SFI JNU Unit, 12 November,
2016, please &lt;a href=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot;&gt;click here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetization: Witless and Anti-People -Prabhat Patnaik, TheCitizen.in, 9
November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Shock and oh damn -Pronab Sen, Ideas for India, 14 November,
2016, please &lt;a href=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot;&gt;click here&lt;/a&gt;
to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
In hunt for big sharks, livelihood of the poor becomes 
change, The Hindu, 13 November, 2016, please &lt;a href=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits onion farmers, Deccan Herald, 13
November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot;&gt;click
here&lt;/a&gt; to access&amp;nbsp; 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Note demonetisation: What of the women who hide cash to feed
their children or to escape abuse? -Nishita Jha, Scroll.in, 12 November, 2016,
please &lt;a href=&quot;https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation damage greater than its benefits, says Kaushik Basu -Arup
Roychoudhury, Business Standard, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation Fallout: Cashless Villagers Loot PDS Shop in MP&#039;s Chhatarpur
Village -Manoj Sharma, News18.com, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits transport business; Truckers fail to pay
-Megha Manchanda, Business Standard, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Dead since birth, Jan Dhan accounts now flush with cash
-Yogesh Dubey &amp;amp; Aditya Dev, The Economic Times, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Why govt&#039;s demonetisation move may fail to win the war against black money
-Appu Esthose Suresh, Hindustan Times, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation leaves lakhs of tea, jute workers in Bengal, Northeast unpaid
-Snigdhendu Bhattacharya, Amitava Banerjee and Rahul Karmakar, Hindustan Times,
12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Show me the money -Ila Patnaik, The Indian Express, 11 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Will Modi&#039;s big currency-scrapping gamble yield results? -Roshan Kishore,
Livemint.com, 11 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Rs 500 and Rs 1,000 ban: Narendra Modi govt has created 50-day hawala window
for old notes -Narayanan Madhavan, Firstpost.com, 10 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Modi&#039;s &#039;surgical strike&#039; won&#039;t make a big difference to
black money -TT Ram Mohan, Business Standard, 10 November, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
In one stroke, demonetisation has shaken the trust our
monetary system is based on -Devangshu Datta, Scroll.in, 9 November, 2016,
please &lt;a href=&quot;https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation of Rs 500 and Rs 1000 notes: Farmers fear missing out on sowing
time -Sahil Makkar, Business Standard, 9 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Entire speech of PM Modi announcing large notes banned, Posted by Abhishek
Chakraborty, NDTV, 8 November, 2016, please &lt;a href=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&amp;nbsp;&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
International payments industry expert Guillaume Lepecq interview by Kanika
Datta, Business Standard, 16 April, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot;&gt;click
here&lt;/a&gt; to access
&lt;/p&gt;
&amp;nbsp;
&lt;br /&gt;
&lt;p&gt;
&amp;nbsp;
&lt;/p&gt;&#039;
$lang = &#039;Hindi&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
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Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
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                <strong>नोटबंदी के साइड इफेक्टस् : सबसे ज्यादा चोट किसपर ?</strong></h1>
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?
</div>
<p align="justify">
&nbsp;
</p>
<p align="justify">
सरकारी घोषणाओं में देशवासियों से कहा गया है कि वे नगदी की तात्कालिक कमी से होने वाली असुविधा के लिए क्रेडिट कार्ड, डेबिट कार्ड, मोबाइल और इलेक्ट्रानिक वैलेट का इस्तेमाल करें. लेकिन क्या देश कैशलेस इकॉनॉमी की तरफ कदम बढ़ाने के लिए तैयार है ?
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
सवाल के किसी भी जवाब तक पहुंचने से पहले नीचे लिखे तथ्यों पर गौर करें. ये तथ्य इन्क्लूसिव मीडिया फॉर चेंज ने भारतीय रिजर्व बैंक हालिया रिपोर्ट(2015) से जुटाये हैं.
</p>
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&nbsp;
</p>
<p align="justify">
बीते 28 दिसंबर 2015 को दीपक मोहंती की अध्यक्षता में तैयार भारतीय रिजर्व बैंक के <a href="https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf" title="https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf">दस्तावेज</a> रिपोर्ट ऑफ द कमिटी ऑन मिडियम टर्म पाथ ऑन फायनेन्शियल इन्क्लूजन में दर्ज तथ्यों के मुताबिक ---
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<p align="justify">
&nbsp;
</p>
<p align="justify">
* साल 2014 में देश के तकरीबन 50 फीसद वयस्क आबादी का एक ना एक वित्तीय संस्थान में खाता था जबकि ब्रिक्स में शामिल अन्य देशों में वित्तीय संस्थानों में खाताधारक वयस्क आबादी की संख्या 70 फीसद से ऊपर है. संयुक्त राज्य अमेरिका और ग्रेट ब्रिटेन में खाताधारक वयस्क आबादी की संख्या इससे भी ज्यादा है. 
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
*  नवीनतम् सेंसस ऑफ हाऊस लिस्टिंग एंड हाऊस सर्वे (2011) के मुताबिक साल 2001 में बैंकिंग सेवाओं का इस्तेमाल करने वाले लोगों की संख्या 35 फीसद थी जो साल 2011 में बढ़कर 59 फीसद हो गई.  
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
* साल 2014 में प्रति लाख आबादी पर देश में 18 एटीएम मौजूद थे. दक्षिण अफ्रीका में प्रतिलाख आबादी पर 65 एटीएम हैं और रुस में 180 एटीएम.देश में 15 साल और इससे ज्यादा उम्र के 10 फीसद लोग डेबिट कार्ड के जरिए भुगतान करते हैं जबकि दक्षिण अफ्रीका में 40 फीसद. असंगठित क्षेत्र के कामगार और छोटे उत्पादक तथा खुदरा दुकानदार रोजमर्रा की खरीद-बिक्री के लिए मुख्य रुप से नगदी पर निर्भर हैं.  
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
* देश में अनुसूचित व्यावसायिक बैंकों की संख्या साल 2001 में 6.4 थी जो 2015 के जून माह में बढ़कर 9.7 हो गई.  बैंकों की संख्या में यह वृद्धि शहरों और गांवों में असमान रुप से हुई है. ग्रामीण और अर्ध-शहरी इलाकों को एक साथ मिलाकर देखें तो साल 2001 में ऐसी जगहों पर प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 5.3 थी और 2015 के जून महीने तक बढ़कर यह संख्या 7.8 हुई जबकि इसी अवधि में शहरी और महानगरीय इलाकों में प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 11.7 से बढ़कर 18.7 हो गई है.
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&nbsp;
</p>
<p align="justify">
* साल 2006 से 2015 के बीच खातों के घनत्व यानी प्रति हजार आबादी पर खाताधारक आबादी की संख्या में पर्याप्त सुधार हुआ है. इस अवधि में खाताधारक महिलाओं की संख्या तिगुनी हुई है तो भी पुरुष खाताधारकों के घनत्व की तुलना में यह बहुत कम है. 
</p>
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*  एक तथ्य यह भी है कि जिन राज्यों में ग्रामीण आबादी तुलनात्मक रुप से ज्यादा है या तुलनात्मक रुप से जिन राज्यों में शेष राज्यों की तुलना में महिला आबादी ज्यादा है वहां लोगों को बैंकिंग सेवाओं से जोड़ने का काम कम हुआ है. 
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&nbsp;
</p>
<p align="justify">
*  राष्ट्रीय स्तर पर देखें तो साल 2006 में प्रति हजार महिलाओं में खाताधारक महिलाओं की संख्या 143 थी जो 2010 में बढ़कर 196 हुई और 2015 के जून महीने में यह संख्या 536 पर पहुंची है. 
</p>
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<p align="justify">
*  किसी विशेष इलाके में बैंकों की संख्या में बढोत्तरी हो तो माना जा सकता है कि वहां लोगों के लिए बैकिंग सेवाओं को हासिल करना अपेक्षाकृत आसान हुआ. इलाका विशेष में बैकों की संख्या में बढोत्तरी 2006 से 2015 के बीच डेढ़ गुना हुई है. लेकिन पूर्वोत्तर के राज्य तथा बिहार, झारखंड, उत्तरप्रदेश, पश्चिम बंगाल और मध्यप्रदेश में आबादी की तुलना में बैकों की शाखाओं की संख्या में वृद्धि अपेक्षाकृत कम रही है. मार्च 2015 तक राज्यवार बेसिक सेविंग बैंक डिपॉजिट अकाउंट की संख्या(देखें उपर्युक्त लिंक) से भी संकेत मिलते हैं पूर्वोत्तर तथा पूर्वी राज्य इस मामले में शेष राज्यों की तुलना में पीछे हैं.  
</p>
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&nbsp;
</p>
<p align="justify">
*  साल 2014 में देश की ग्रामीण आबादी का मात्र 3 फीसद हिस्सा ऐसा था जिसे अपनी कमाई का भुगतान सीधे बैंक खाते में हुआ, ब्राजील में यह तादाद 14 फीसद तथा दक्षिण अफ्रीका में यही संख्या 23 फीसद है. भारत में बैंक खाते का इस्तेमाल कम होता है इसका एक संकेत यह भी है कि तकरीबन 14 फीसद बैंकखाते 2014 में बिना गतिविधि के रहे. 
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</p>
<p align="justify">
*  भारत और वैश्विक स्तर पर केवल 2 फीसद व्यस्क आबादी के पास मोबाइल मनी अकाउंट है, उप-सहारीय अफ्रीका और केन्या में यह तादाद क्रमशः 12 फीसद और 58 फीसद है. 
</p>
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<p align="justify">
* देश के आर्थिक सर्वेक्षण रिपोर्ट 2015-16 के मुताबिक प्रधानमंत्री जन धन योजना के अंतर्गत बड़ी संख्या में खाता खुलने के बावजूद बेसिक सेविंग अकाउंटस् की संख्या ज्यादातर राज्यों में कम(46 फीसद) है. केवल 2 राज्यों, मध्यप्रदेश और छत्तीसगढ़ में यह 75 फीसद से ऊपर है. सर्वेक्षण रिपोर्ट में कहा गया है कि नीति निर्माताओं को समावेशन संबंधी भूलों के बारे में आगाह होना चाहिए जिसके वजह से बैकिंग सुविधाविहीन लाभार्थियों के खाते में प्रत्यक्ष नगदी भुगतान नहीं हो पा रहा है.
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विमुद्रीकरण के विविध पहलुओं पर केंद्रित कुछ महत्वपूर्ण जानकारियों और विद्रानों की राय के लिए कृपया निम्नलिखित लिंक देखें--
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</p>
<p class="MsoNormal">
Press release: Withdrawal of Legal Tender Status for Rs. 500
and Rs. 1000 Notes: RBI Notice, please <a href="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520" title="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520" title="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520" title="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes - Related
Links, please <a href="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270" title="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270" title="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270" title="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270">click here</a>
to access
</p>
<p class="MsoNormal">
<br />
Report of the Committee on Medium-term Path on Financial Inclusion, Reserve
Bank of India, dated 28 December, 2015, please <a href="https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf" title="RBI Report of the Committee on Medium term Path on Financial Inclusion" title="https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf" title="RBI Report of the Committee on Medium term Path on Financial Inclusion">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Economic Survey 2015-16, Volume-1, please <a href="https://im4change.in/docs/841echapter-vol1.pdf" title="http://www.im4change.org/docs/841echapter-vol1.pdf" title="https://im4change.in/docs/841echapter-vol1.pdf" title="http://www.im4change.org/docs/841echapter-vol1.pdf">click here</a> to
access <br />
<br />
</p>
<p class="MsoNormal">
Economic Survey 2015-16, Volume-2, please <a href="https://im4change.in/docs/835echapter-vol2.pdf" title="http://www.im4change.org/docs/835echapter-vol2.pdf" title="https://im4change.in/docs/835echapter-vol2.pdf" title="http://www.im4change.org/docs/835echapter-vol2.pdf">click here</a> to
access <br />
<br />
</p>
<p class="MsoNormal">
Prabhat Patnaik, economist and professor emeritus at Jawaharlal Nehru
University, interviewed by Jahnavi Sen, TheWire.in, 12 November, 2016, please <a href="https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html" title="http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html" title="https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html" title="http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Prabhat Patnaik speaks in JNU on Demonetization, SFI JNU Unit, 12 November,
2016, please <a href="https://www.youtube.com/watch?v=RlZevCgPsnY" title="https://www.youtube.com/watch?v=RlZevCgPsnY" title="https://www.youtube.com/watch?v=RlZevCgPsnY" title="https://www.youtube.com/watch?v=RlZevCgPsnY">click here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetization: Witless and Anti-People -Prabhat Patnaik, TheCitizen.in, 9
November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html" title="http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html" title="https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html" title="http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Shock and oh damn -Pronab Sen, Ideas for India, 14 November,
2016, please <a href="http://www.ideasforindia.in/article.aspx?article_id=1720" title="http://www.ideasforindia.in/article.aspx?article_id=1720" title="http://www.ideasforindia.in/article.aspx?article_id=1720" title="http://www.ideasforindia.in/article.aspx?article_id=1720">click here</a>
to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
In hunt for big sharks, livelihood of the poor becomes 
change, The Hindu, 13 November, 2016, please <a href="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true" title="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true" title="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true" title="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Demonetisation hits onion farmers, Deccan Herald, 13
November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html" title="https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html">click
here</a> to access&nbsp; 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Note demonetisation: What of the women who hide cash to feed
their children or to escape abuse? -Nishita Jha, Scroll.in, 12 November, 2016,
please <a href="https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html" title="http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html" title="https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html" title="http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation damage greater than its benefits, says Kaushik Basu -Arup
Roychoudhury, Business Standard, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html" title="http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html" title="https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html" title="http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation Fallout: Cashless Villagers Loot PDS Shop in MP's Chhatarpur
Village -Manoj Sharma, News18.com, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html" title="http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html" title="https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html" title="http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html">click
here</a> to access<br />
&nbsp;
</p>
<p class="MsoNormal">
Demonetisation hits transport business; Truckers fail to pay
-Megha Manchanda, Business Standard, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html" title="https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Dead since birth, Jan Dhan accounts now flush with cash
-Yogesh Dubey &amp; Aditya Dev, The Economic Times, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html" title="http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html" title="https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html" title="http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Why govt's demonetisation move may fail to win the war against black money
-Appu Esthose Suresh, Hindustan Times, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html" title="http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html" title="https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html" title="http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation leaves lakhs of tea, jute workers in Bengal, Northeast unpaid
-Snigdhendu Bhattacharya, Amitava Banerjee and Rahul Karmakar, Hindustan Times,
12 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html" title="http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html" title="https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html" title="http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Show me the money -Ila Patnaik, The Indian Express, 11 November, 2016, please <a href="https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html" title="http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html" title="https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html" title="http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Will Modi's big currency-scrapping gamble yield results? -Roshan Kishore,
Livemint.com, 11 November, 2016, please <a href="https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html" title="http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html" title="https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html" title="http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Rs 500 and Rs 1,000 ban: Narendra Modi govt has created 50-day hawala window
for old notes -Narayanan Madhavan, Firstpost.com, 10 November, 2016, please <a href="https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html" title="http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html" title="https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html" title="http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Modi's 'surgical strike' won't make a big difference to
black money -TT Ram Mohan, Business Standard, 10 November, 2016, please <a href="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html" title="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html" title="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html" title="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
In one stroke, demonetisation has shaken the trust our
monetary system is based on -Devangshu Datta, Scroll.in, 9 November, 2016,
please <a href="https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html" title="http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html" title="https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html" title="http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation of Rs 500 and Rs 1000 notes: Farmers fear missing out on sowing
time -Sahil Makkar, Business Standard, 9 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html" title="http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html" title="https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html" title="http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Entire speech of PM Modi announcing large notes banned, Posted by Abhishek
Chakraborty, NDTV, 8 November, 2016, please <a href="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full" title="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full" title="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full" title="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full">click
here</a> to access <br />
&nbsp;<br />
</p>
<p class="MsoNormal">
International payments industry expert Guillaume Lepecq interview by Kanika
Datta, Business Standard, 16 April, 2016, please <a href="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html" title="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html" title="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html" title="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html">click
here</a> to access
</p>
&nbsp;
<br />
<p>
&nbsp;
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Cake\Http\ResponseEmitter::emitStatusLine() - CORE/src/Http/ResponseEmitter.php, line 148
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 54
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

Warning (2): Cannot modify header information - headers already sent by (output started at /home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php:853) [CORE/src/Http/ResponseEmitter.php, line 181]
Code Context
                    $value

                ), $first);

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	'status' => (int) 200,
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			[maximum depth reached]
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	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
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	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
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<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f22be061df0-trace').style.display = (document.getElementById('cakeErr67f22be061df0-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67f22be061df0-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f22be061df0-code').style.display = (document.getElementById('cakeErr67f22be061df0-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f22be061df0-context').style.display = (document.getElementById('cakeErr67f22be061df0-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67f22be061df0-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr67f22be061df0-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
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		&#039;id&#039; =&gt; (int) 51788,
		&#039;title&#039; =&gt; &#039;नोटबंदी के साइड इफेक्टस् : सबसे ज्यादा चोट किसपर ?&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
सरकारी घोषणाओं में देशवासियों से कहा गया है कि वे नगदी की तात्कालिक कमी से होने वाली असुविधा के लिए क्रेडिट कार्ड, डेबिट कार्ड, मोबाइल और इलेक्ट्रानिक वैलेट का इस्तेमाल करें. लेकिन क्या देश कैशलेस इकॉनॉमी की तरफ कदम बढ़ाने के लिए तैयार है ?
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
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सवाल के किसी भी जवाब तक पहुंचने से पहले नीचे लिखे तथ्यों पर गौर करें. ये तथ्य इन्क्लूसिव मीडिया फॉर चेंज ने भारतीय रिजर्व बैंक हालिया रिपोर्ट(2015) से जुटाये हैं.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
बीते 28 दिसंबर 2015 को दीपक मोहंती की अध्यक्षता में तैयार भारतीय रिजर्व बैंक के &lt;a href=&quot;tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot;&gt;दस्तावेज&lt;/a&gt; रिपोर्ट ऑफ द कमिटी ऑन मिडियम टर्म पाथ ऑन फायनेन्शियल इन्क्लूजन में दर्ज तथ्यों के मुताबिक ---
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
* साल 2014 में देश के तकरीबन 50 फीसद वयस्क आबादी का एक ना एक वित्तीय संस्थान में खाता था जबकि ब्रिक्स में शामिल अन्य देशों में वित्तीय संस्थानों में खाताधारक वयस्क आबादी की संख्या 70 फीसद से ऊपर है. संयुक्त राज्य अमेरिका और ग्रेट ब्रिटेन में खाताधारक वयस्क आबादी की संख्या इससे भी ज्यादा है. 
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
*  नवीनतम् सेंसस ऑफ हाऊस लिस्टिंग एंड हाऊस सर्वे (2011) के मुताबिक साल 2001 में बैंकिंग सेवाओं का इस्तेमाल करने वाले लोगों की संख्या 35 फीसद थी जो साल 2011 में बढ़कर 59 फीसद हो गई.  
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
* साल 2014 में प्रति लाख आबादी पर देश में 18 एटीएम मौजूद थे. दक्षिण अफ्रीका में प्रतिलाख आबादी पर 65 एटीएम हैं और रुस में 180 एटीएम.देश में 15 साल और इससे ज्यादा उम्र के 10 फीसद लोग डेबिट कार्ड के जरिए भुगतान करते हैं जबकि दक्षिण अफ्रीका में 40 फीसद. असंगठित क्षेत्र के कामगार और छोटे उत्पादक तथा खुदरा दुकानदार रोजमर्रा की खरीद-बिक्री के लिए मुख्य रुप से नगदी पर निर्भर हैं.  
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
* देश में अनुसूचित व्यावसायिक बैंकों की संख्या साल 2001 में 6.4 थी जो 2015 के जून माह में बढ़कर 9.7 हो गई.  बैंकों की संख्या में यह वृद्धि शहरों और गांवों में असमान रुप से हुई है. ग्रामीण और अर्ध-शहरी इलाकों को एक साथ मिलाकर देखें तो साल 2001 में ऐसी जगहों पर प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 5.3 थी और 2015 के जून महीने तक बढ़कर यह संख्या 7.8 हुई जबकि इसी अवधि में शहरी और महानगरीय इलाकों में प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 11.7 से बढ़कर 18.7 हो गई है.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
* साल 2006 से 2015 के बीच खातों के घनत्व यानी प्रति हजार आबादी पर खाताधारक आबादी की संख्या में पर्याप्त सुधार हुआ है. इस अवधि में खाताधारक महिलाओं की संख्या तिगुनी हुई है तो भी पुरुष खाताधारकों के घनत्व की तुलना में यह बहुत कम है. 
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
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*  एक तथ्य यह भी है कि जिन राज्यों में ग्रामीण आबादी तुलनात्मक रुप से ज्यादा है या तुलनात्मक रुप से जिन राज्यों में शेष राज्यों की तुलना में महिला आबादी ज्यादा है वहां लोगों को बैंकिंग सेवाओं से जोड़ने का काम कम हुआ है. 
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*  राष्ट्रीय स्तर पर देखें तो साल 2006 में प्रति हजार महिलाओं में खाताधारक महिलाओं की संख्या 143 थी जो 2010 में बढ़कर 196 हुई और 2015 के जून महीने में यह संख्या 536 पर पहुंची है. 
&lt;/p&gt;
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*  किसी विशेष इलाके में बैंकों की संख्या में बढोत्तरी हो तो माना जा सकता है कि वहां लोगों के लिए बैकिंग सेवाओं को हासिल करना अपेक्षाकृत आसान हुआ. इलाका विशेष में बैकों की संख्या में बढोत्तरी 2006 से 2015 के बीच डेढ़ गुना हुई है. लेकिन पूर्वोत्तर के राज्य तथा बिहार, झारखंड, उत्तरप्रदेश, पश्चिम बंगाल और मध्यप्रदेश में आबादी की तुलना में बैकों की शाखाओं की संख्या में वृद्धि अपेक्षाकृत कम रही है. मार्च 2015 तक राज्यवार बेसिक सेविंग बैंक डिपॉजिट अकाउंट की संख्या(देखें उपर्युक्त लिंक) से भी संकेत मिलते हैं पूर्वोत्तर तथा पूर्वी राज्य इस मामले में शेष राज्यों की तुलना में पीछे हैं.  
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
*  साल 2014 में देश की ग्रामीण आबादी का मात्र 3 फीसद हिस्सा ऐसा था जिसे अपनी कमाई का भुगतान सीधे बैंक खाते में हुआ, ब्राजील में यह तादाद 14 फीसद तथा दक्षिण अफ्रीका में यही संख्या 23 फीसद है. भारत में बैंक खाते का इस्तेमाल कम होता है इसका एक संकेत यह भी है कि तकरीबन 14 फीसद बैंकखाते 2014 में बिना गतिविधि के रहे. 
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
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&lt;/p&gt;
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*  भारत और वैश्विक स्तर पर केवल 2 फीसद व्यस्क आबादी के पास मोबाइल मनी अकाउंट है, उप-सहारीय अफ्रीका और केन्या में यह तादाद क्रमशः 12 फीसद और 58 फीसद है. 
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
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* देश के आर्थिक सर्वेक्षण रिपोर्ट 2015-16 के मुताबिक प्रधानमंत्री जन धन योजना के अंतर्गत बड़ी संख्या में खाता खुलने के बावजूद बेसिक सेविंग अकाउंटस् की संख्या ज्यादातर राज्यों में कम(46 फीसद) है. केवल 2 राज्यों, मध्यप्रदेश और छत्तीसगढ़ में यह 75 फीसद से ऊपर है. सर्वेक्षण रिपोर्ट में कहा गया है कि नीति निर्माताओं को समावेशन संबंधी भूलों के बारे में आगाह होना चाहिए जिसके वजह से बैकिंग सुविधाविहीन लाभार्थियों के खाते में प्रत्यक्ष नगदी भुगतान नहीं हो पा रहा है.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
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&lt;p align=&quot;justify&quot;&gt;
विमुद्रीकरण के विविध पहलुओं पर केंद्रित कुछ महत्वपूर्ण जानकारियों और विद्रानों की राय के लिए कृपया निम्नलिखित लिंक देखें--
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&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 2&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 3&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 4&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 5&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 6&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 7&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 8&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 9&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 1&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 2&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 3&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 4&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 5&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 6&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 7&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 8&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 9&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;35&quot; QFormat=&quot;true&quot; Name=&quot;caption&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;10&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Title&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; Name=&quot;Default Paragraph Font&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;11&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtitle&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;22&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Strong&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;20&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Emphasis&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;59&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Table Grid&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Placeholder Text&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;No Spacing&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 1&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 1&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 1&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 1&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 1&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 1&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Revision&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;34&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;List Paragraph&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;29&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Quote&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;30&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Quote&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 1&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 1&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 1&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 1&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 1&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 1&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 1&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 1&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 2&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 2&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 2&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 2&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 2&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 2&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 2&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 2&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 2&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 2&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 2&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 2&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 2&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 2&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 3&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 3&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 3&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 3&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 3&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 3&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 3&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 3&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 3&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 3&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 3&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 3&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 3&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 3&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 4&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 4&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 4&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 4&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 4&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 4&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 4&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 4&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 4&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 4&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 4&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 4&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 4&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 4&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 5&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 5&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 5&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 5&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 5&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 5&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 5&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 5&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 5&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 5&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 5&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 5&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 5&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 5&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 6&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 6&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 6&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 6&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 6&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 6&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 6&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 6&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 6&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 6&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 6&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 6&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 6&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 6&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;19&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Emphasis&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;21&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Emphasis&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;31&quot; SemiHidden=&quot;false&quot;
UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Reference&quot;/&gt;
&lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;32&quot; SemiHidden=&quot;false&quot;
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&lt;p class=&quot;MsoNormal&quot;&gt;
Press release: Withdrawal of Legal Tender Status for Rs. 500
and Rs. 1000 Notes: RBI Notice, please &lt;a href=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes - Related
Links, please &lt;a href=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot;&gt;click here&lt;/a&gt;
to access
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;
Report of the Committee on Medium-term Path on Financial Inclusion, Reserve
Bank of India, dated 28 December, 2015, please &lt;a href=&quot;tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;RBI Report of the Committee on Medium term Path on Financial Inclusion&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-1, please &lt;a href=&quot;../docs/841echapter-vol1.pdf&quot; title=&quot;http://www.im4change.org/docs/841echapter-vol1.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-2, please &lt;a href=&quot;../docs/835echapter-vol2.pdf&quot; title=&quot;http://www.im4change.org/docs/835echapter-vol2.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik, economist and professor emeritus at Jawaharlal Nehru
University, interviewed by Jahnavi Sen, TheWire.in, 12 November, 2016, please &lt;a href=&quot;../interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik speaks in JNU on Demonetization, SFI JNU Unit, 12 November,
2016, please &lt;a href=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot;&gt;click here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetization: Witless and Anti-People -Prabhat Patnaik, TheCitizen.in, 9
November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Shock and oh damn -Pronab Sen, Ideas for India, 14 November,
2016, please &lt;a href=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot;&gt;click here&lt;/a&gt;
to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
In hunt for big sharks, livelihood of the poor becomes small
change, The Hindu, 13 November, 2016, please &lt;a href=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes-small-change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes-small-change/article16376199.ece?homepage=true&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits onion farmers, Deccan Herald, 13
November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot;&gt;click
here&lt;/a&gt; to access&amp;nbsp; 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Note demonetisation: What of the women who hide cash to feed
their children or to escape abuse? -Nishita Jha, Scroll.in, 12 November, 2016,
please &lt;a href=&quot;../latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation damage greater than its benefits, says Kaushik Basu -Arup
Roychoudhury, Business Standard, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation Fallout: Cashless Villagers Loot PDS Shop in MP&#039;s Chhatarpur
Village -Manoj Sharma, News18.com, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits transport business; Truckers fail to pay
-Megha Manchanda, Business Standard, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Dead since birth, Jan Dhan accounts now flush with cash
-Yogesh Dubey &amp;amp; Aditya Dev, The Economic Times, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Why govt&#039;s demonetisation move may fail to win the war against black money
-Appu Esthose Suresh, Hindustan Times, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation leaves lakhs of tea, jute workers in Bengal, Northeast unpaid
-Snigdhendu Bhattacharya, Amitava Banerjee and Rahul Karmakar, Hindustan Times,
12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Show me the money -Ila Patnaik, The Indian Express, 11 November, 2016, please &lt;a href=&quot;../latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Will Modi&#039;s big currency-scrapping gamble yield results? -Roshan Kishore,
Livemint.com, 11 November, 2016, please &lt;a href=&quot;../latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Rs 500 and Rs 1,000 ban: Narendra Modi govt has created 50-day hawala window
for old notes -Narayanan Madhavan, Firstpost.com, 10 November, 2016, please &lt;a href=&quot;../latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Modi&#039;s &#039;surgical strike&#039; won&#039;t make a big difference to
black money -TT Ram Mohan, Business Standard, 10 November, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
In one stroke, demonetisation has shaken the trust our
monetary system is based on -Devangshu Datta, Scroll.in, 9 November, 2016,
please &lt;a href=&quot;../latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation of Rs 500 and Rs 1000 notes: Farmers fear missing out on sowing
time -Sahil Makkar, Business Standard, 9 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Entire speech of PM Modi announcing large notes banned, Posted by Abhishek
Chakraborty, NDTV, 8 November, 2016, please &lt;a href=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&amp;nbsp;&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
International payments industry expert Guillaume Lepecq interview by Kanika
Datta, Business Standard, 16 April, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot;&gt;click
here&lt;/a&gt; to access
&lt;/p&gt;
&amp;nbsp;
&lt;br /&gt;
&lt;p&gt;
&amp;nbsp;
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?


&amp;nbsp;


सरकारी घोषणाओं में देशवासियों से कहा गया है कि...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
सरकारी घोषणाओं में देशवासियों से कहा गया है कि वे नगदी की तात्कालिक कमी से होने वाली असुविधा के लिए क्रेडिट कार्ड, डेबिट कार्ड, मोबाइल और इलेक्ट्रानिक वैलेट का इस्तेमाल करें. लेकिन क्या देश कैशलेस इकॉनॉमी की तरफ कदम बढ़ाने के लिए तैयार है ?
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
सवाल के किसी भी जवाब तक पहुंचने से पहले नीचे लिखे तथ्यों पर गौर करें. ये तथ्य इन्क्लूसिव मीडिया फॉर चेंज ने भारतीय रिजर्व बैंक हालिया रिपोर्ट(2015) से जुटाये हैं.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
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बीते 28 दिसंबर 2015 को दीपक मोहंती की अध्यक्षता में तैयार भारतीय रिजर्व बैंक के &lt;a href=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot;&gt;दस्तावेज&lt;/a&gt; रिपोर्ट ऑफ द कमिटी ऑन मिडियम टर्म पाथ ऑन फायनेन्शियल इन्क्लूजन में दर्ज तथ्यों के मुताबिक ---
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* साल 2014 में देश के तकरीबन 50 फीसद वयस्क आबादी का एक ना एक वित्तीय संस्थान में खाता था जबकि ब्रिक्स में शामिल अन्य देशों में वित्तीय संस्थानों में खाताधारक वयस्क आबादी की संख्या 70 फीसद से ऊपर है. संयुक्त राज्य अमेरिका और ग्रेट ब्रिटेन में खाताधारक वयस्क आबादी की संख्या इससे भी ज्यादा है. 
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*  नवीनतम् सेंसस ऑफ हाऊस लिस्टिंग एंड हाऊस सर्वे (2011) के मुताबिक साल 2001 में बैंकिंग सेवाओं का इस्तेमाल करने वाले लोगों की संख्या 35 फीसद थी जो साल 2011 में बढ़कर 59 फीसद हो गई.  
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* साल 2014 में प्रति लाख आबादी पर देश में 18 एटीएम मौजूद थे. दक्षिण अफ्रीका में प्रतिलाख आबादी पर 65 एटीएम हैं और रुस में 180 एटीएम.देश में 15 साल और इससे ज्यादा उम्र के 10 फीसद लोग डेबिट कार्ड के जरिए भुगतान करते हैं जबकि दक्षिण अफ्रीका में 40 फीसद. असंगठित क्षेत्र के कामगार और छोटे उत्पादक तथा खुदरा दुकानदार रोजमर्रा की खरीद-बिक्री के लिए मुख्य रुप से नगदी पर निर्भर हैं.  
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* देश में अनुसूचित व्यावसायिक बैंकों की संख्या साल 2001 में 6.4 थी जो 2015 के जून माह में बढ़कर 9.7 हो गई.  बैंकों की संख्या में यह वृद्धि शहरों और गांवों में असमान रुप से हुई है. ग्रामीण और अर्ध-शहरी इलाकों को एक साथ मिलाकर देखें तो साल 2001 में ऐसी जगहों पर प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 5.3 थी और 2015 के जून महीने तक बढ़कर यह संख्या 7.8 हुई जबकि इसी अवधि में शहरी और महानगरीय इलाकों में प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 11.7 से बढ़कर 18.7 हो गई है.
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* साल 2006 से 2015 के बीच खातों के घनत्व यानी प्रति हजार आबादी पर खाताधारक आबादी की संख्या में पर्याप्त सुधार हुआ है. इस अवधि में खाताधारक महिलाओं की संख्या तिगुनी हुई है तो भी पुरुष खाताधारकों के घनत्व की तुलना में यह बहुत कम है. 
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*  एक तथ्य यह भी है कि जिन राज्यों में ग्रामीण आबादी तुलनात्मक रुप से ज्यादा है या तुलनात्मक रुप से जिन राज्यों में शेष राज्यों की तुलना में महिला आबादी ज्यादा है वहां लोगों को बैंकिंग सेवाओं से जोड़ने का काम कम हुआ है. 
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*  राष्ट्रीय स्तर पर देखें तो साल 2006 में प्रति हजार महिलाओं में खाताधारक महिलाओं की संख्या 143 थी जो 2010 में बढ़कर 196 हुई और 2015 के जून महीने में यह संख्या 536 पर पहुंची है. 
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*  किसी विशेष इलाके में बैंकों की संख्या में बढोत्तरी हो तो माना जा सकता है कि वहां लोगों के लिए बैकिंग सेवाओं को हासिल करना अपेक्षाकृत आसान हुआ. इलाका विशेष में बैकों की संख्या में बढोत्तरी 2006 से 2015 के बीच डेढ़ गुना हुई है. लेकिन पूर्वोत्तर के राज्य तथा बिहार, झारखंड, उत्तरप्रदेश, पश्चिम बंगाल और मध्यप्रदेश में आबादी की तुलना में बैकों की शाखाओं की संख्या में वृद्धि अपेक्षाकृत कम रही है. मार्च 2015 तक राज्यवार बेसिक सेविंग बैंक डिपॉजिट अकाउंट की संख्या(देखें उपर्युक्त लिंक) से भी संकेत मिलते हैं पूर्वोत्तर तथा पूर्वी राज्य इस मामले में शेष राज्यों की तुलना में पीछे हैं.  
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*  साल 2014 में देश की ग्रामीण आबादी का मात्र 3 फीसद हिस्सा ऐसा था जिसे अपनी कमाई का भुगतान सीधे बैंक खाते में हुआ, ब्राजील में यह तादाद 14 फीसद तथा दक्षिण अफ्रीका में यही संख्या 23 फीसद है. भारत में बैंक खाते का इस्तेमाल कम होता है इसका एक संकेत यह भी है कि तकरीबन 14 फीसद बैंकखाते 2014 में बिना गतिविधि के रहे. 
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*  भारत और वैश्विक स्तर पर केवल 2 फीसद व्यस्क आबादी के पास मोबाइल मनी अकाउंट है, उप-सहारीय अफ्रीका और केन्या में यह तादाद क्रमशः 12 फीसद और 58 फीसद है. 
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* देश के आर्थिक सर्वेक्षण रिपोर्ट 2015-16 के मुताबिक प्रधानमंत्री जन धन योजना के अंतर्गत बड़ी संख्या में खाता खुलने के बावजूद बेसिक सेविंग अकाउंटस् की संख्या ज्यादातर राज्यों में कम(46 फीसद) है. केवल 2 राज्यों, मध्यप्रदेश और छत्तीसगढ़ में यह 75 फीसद से ऊपर है. सर्वेक्षण रिपोर्ट में कहा गया है कि नीति निर्माताओं को समावेशन संबंधी भूलों के बारे में आगाह होना चाहिए जिसके वजह से बैकिंग सुविधाविहीन लाभार्थियों के खाते में प्रत्यक्ष नगदी भुगतान नहीं हो पा रहा है.
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विमुद्रीकरण के विविध पहलुओं पर केंद्रित कुछ महत्वपूर्ण जानकारियों और विद्रानों की राय के लिए कृपया निम्नलिखित लिंक देखें--
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&lt;p class=&quot;MsoNormal&quot;&gt;
Press release: Withdrawal of Legal Tender Status for Rs. 500
and Rs. 1000 Notes: RBI Notice, please &lt;a href=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes - Related
Links, please &lt;a href=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot;&gt;click here&lt;/a&gt;
to access
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;
Report of the Committee on Medium-term Path on Financial Inclusion, Reserve
Bank of India, dated 28 December, 2015, please &lt;a href=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;RBI Report of the Committee on Medium term Path on Financial Inclusion&quot; title=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;RBI Report of the Committee on Medium term Path on Financial Inclusion&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-1, please &lt;a href=&quot;https://im4change.in/docs/841echapter-vol1.pdf&quot; title=&quot;http://www.im4change.org/docs/841echapter-vol1.pdf&quot; title=&quot;https://im4change.in/docs/841echapter-vol1.pdf&quot; title=&quot;http://www.im4change.org/docs/841echapter-vol1.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-2, please &lt;a href=&quot;https://im4change.in/docs/835echapter-vol2.pdf&quot; title=&quot;http://www.im4change.org/docs/835echapter-vol2.pdf&quot; title=&quot;https://im4change.in/docs/835echapter-vol2.pdf&quot; title=&quot;http://www.im4change.org/docs/835echapter-vol2.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik, economist and professor emeritus at Jawaharlal Nehru
University, interviewed by Jahnavi Sen, TheWire.in, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik speaks in JNU on Demonetization, SFI JNU Unit, 12 November,
2016, please &lt;a href=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot;&gt;click here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetization: Witless and Anti-People -Prabhat Patnaik, TheCitizen.in, 9
November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
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Shock and oh damn -Pronab Sen, Ideas for India, 14 November,
2016, please &lt;a href=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot;&gt;click here&lt;/a&gt;
to access 
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&lt;p class=&quot;MsoNormal&quot;&gt;
In hunt for big sharks, livelihood of the poor becomes 
change, The Hindu, 13 November, 2016, please &lt;a href=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
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Demonetisation hits onion farmers, Deccan Herald, 13
November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot;&gt;click
here&lt;/a&gt; to access&amp;nbsp; 
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Note demonetisation: What of the women who hide cash to feed
their children or to escape abuse? -Nishita Jha, Scroll.in, 12 November, 2016,
please &lt;a href=&quot;https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
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&lt;/p&gt;
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Demonetisation damage greater than its benefits, says Kaushik Basu -Arup
Roychoudhury, Business Standard, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
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Demonetisation Fallout: Cashless Villagers Loot PDS Shop in MP&#039;s Chhatarpur
Village -Manoj Sharma, News18.com, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&amp;nbsp;
&lt;/p&gt;
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Demonetisation hits transport business; Truckers fail to pay
-Megha Manchanda, Business Standard, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot;&gt;click
here&lt;/a&gt; to access 
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Dead since birth, Jan Dhan accounts now flush with cash
-Yogesh Dubey &amp;amp; Aditya Dev, The Economic Times, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
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&lt;p class=&quot;MsoNormal&quot;&gt;
Why govt&#039;s demonetisation move may fail to win the war against black money
-Appu Esthose Suresh, Hindustan Times, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
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Demonetisation leaves lakhs of tea, jute workers in Bengal, Northeast unpaid
-Snigdhendu Bhattacharya, Amitava Banerjee and Rahul Karmakar, Hindustan Times,
12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
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Show me the money -Ila Patnaik, The Indian Express, 11 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
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&lt;p class=&quot;MsoNormal&quot;&gt;
Will Modi&#039;s big currency-scrapping gamble yield results? -Roshan Kishore,
Livemint.com, 11 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
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Rs 500 and Rs 1,000 ban: Narendra Modi govt has created 50-day hawala window
for old notes -Narayanan Madhavan, Firstpost.com, 10 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
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&lt;p class=&quot;MsoNormal&quot;&gt;
Modi&#039;s &#039;surgical strike&#039; won&#039;t make a big difference to
black money -TT Ram Mohan, Business Standard, 10 November, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
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&lt;p class=&quot;MsoNormal&quot;&gt;
In one stroke, demonetisation has shaken the trust our
monetary system is based on -Devangshu Datta, Scroll.in, 9 November, 2016,
please &lt;a href=&quot;https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
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&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation of Rs 500 and Rs 1000 notes: Farmers fear missing out on sowing
time -Sahil Makkar, Business Standard, 9 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
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&lt;p class=&quot;MsoNormal&quot;&gt;
Entire speech of PM Modi announcing large notes banned, Posted by Abhishek
Chakraborty, NDTV, 8 November, 2016, please &lt;a href=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&amp;nbsp;&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
International payments industry expert Guillaume Lepecq interview by Kanika
Datta, Business Standard, 16 April, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot;&gt;click
here&lt;/a&gt; to access
&lt;/p&gt;
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&amp;nbsp;
&lt;/p&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;Hindi&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
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	&#039;id&#039; =&gt; (int) 51788,
	&#039;title&#039; =&gt; &#039;नोटबंदी के साइड इफेक्टस् : सबसे ज्यादा चोट किसपर ?&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
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&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
सरकारी घोषणाओं में देशवासियों से कहा गया है कि वे नगदी की तात्कालिक कमी से होने वाली असुविधा के लिए क्रेडिट कार्ड, डेबिट कार्ड, मोबाइल और इलेक्ट्रानिक वैलेट का इस्तेमाल करें. लेकिन क्या देश कैशलेस इकॉनॉमी की तरफ कदम बढ़ाने के लिए तैयार है ?
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
सवाल के किसी भी जवाब तक पहुंचने से पहले नीचे लिखे तथ्यों पर गौर करें. ये तथ्य इन्क्लूसिव मीडिया फॉर चेंज ने भारतीय रिजर्व बैंक हालिया रिपोर्ट(2015) से जुटाये हैं.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
बीते 28 दिसंबर 2015 को दीपक मोहंती की अध्यक्षता में तैयार भारतीय रिजर्व बैंक के &lt;a href=&quot;tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot;&gt;दस्तावेज&lt;/a&gt; रिपोर्ट ऑफ द कमिटी ऑन मिडियम टर्म पाथ ऑन फायनेन्शियल इन्क्लूजन में दर्ज तथ्यों के मुताबिक ---
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
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* साल 2014 में देश के तकरीबन 50 फीसद वयस्क आबादी का एक ना एक वित्तीय संस्थान में खाता था जबकि ब्रिक्स में शामिल अन्य देशों में वित्तीय संस्थानों में खाताधारक वयस्क आबादी की संख्या 70 फीसद से ऊपर है. संयुक्त राज्य अमेरिका और ग्रेट ब्रिटेन में खाताधारक वयस्क आबादी की संख्या इससे भी ज्यादा है. 
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*  नवीनतम् सेंसस ऑफ हाऊस लिस्टिंग एंड हाऊस सर्वे (2011) के मुताबिक साल 2001 में बैंकिंग सेवाओं का इस्तेमाल करने वाले लोगों की संख्या 35 फीसद थी जो साल 2011 में बढ़कर 59 फीसद हो गई.  
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* साल 2014 में प्रति लाख आबादी पर देश में 18 एटीएम मौजूद थे. दक्षिण अफ्रीका में प्रतिलाख आबादी पर 65 एटीएम हैं और रुस में 180 एटीएम.देश में 15 साल और इससे ज्यादा उम्र के 10 फीसद लोग डेबिट कार्ड के जरिए भुगतान करते हैं जबकि दक्षिण अफ्रीका में 40 फीसद. असंगठित क्षेत्र के कामगार और छोटे उत्पादक तथा खुदरा दुकानदार रोजमर्रा की खरीद-बिक्री के लिए मुख्य रुप से नगदी पर निर्भर हैं.  
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* देश में अनुसूचित व्यावसायिक बैंकों की संख्या साल 2001 में 6.4 थी जो 2015 के जून माह में बढ़कर 9.7 हो गई.  बैंकों की संख्या में यह वृद्धि शहरों और गांवों में असमान रुप से हुई है. ग्रामीण और अर्ध-शहरी इलाकों को एक साथ मिलाकर देखें तो साल 2001 में ऐसी जगहों पर प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 5.3 थी और 2015 के जून महीने तक बढ़कर यह संख्या 7.8 हुई जबकि इसी अवधि में शहरी और महानगरीय इलाकों में प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 11.7 से बढ़कर 18.7 हो गई है.
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* साल 2006 से 2015 के बीच खातों के घनत्व यानी प्रति हजार आबादी पर खाताधारक आबादी की संख्या में पर्याप्त सुधार हुआ है. इस अवधि में खाताधारक महिलाओं की संख्या तिगुनी हुई है तो भी पुरुष खाताधारकों के घनत्व की तुलना में यह बहुत कम है. 
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*  एक तथ्य यह भी है कि जिन राज्यों में ग्रामीण आबादी तुलनात्मक रुप से ज्यादा है या तुलनात्मक रुप से जिन राज्यों में शेष राज्यों की तुलना में महिला आबादी ज्यादा है वहां लोगों को बैंकिंग सेवाओं से जोड़ने का काम कम हुआ है. 
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*  राष्ट्रीय स्तर पर देखें तो साल 2006 में प्रति हजार महिलाओं में खाताधारक महिलाओं की संख्या 143 थी जो 2010 में बढ़कर 196 हुई और 2015 के जून महीने में यह संख्या 536 पर पहुंची है. 
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*  किसी विशेष इलाके में बैंकों की संख्या में बढोत्तरी हो तो माना जा सकता है कि वहां लोगों के लिए बैकिंग सेवाओं को हासिल करना अपेक्षाकृत आसान हुआ. इलाका विशेष में बैकों की संख्या में बढोत्तरी 2006 से 2015 के बीच डेढ़ गुना हुई है. लेकिन पूर्वोत्तर के राज्य तथा बिहार, झारखंड, उत्तरप्रदेश, पश्चिम बंगाल और मध्यप्रदेश में आबादी की तुलना में बैकों की शाखाओं की संख्या में वृद्धि अपेक्षाकृत कम रही है. मार्च 2015 तक राज्यवार बेसिक सेविंग बैंक डिपॉजिट अकाउंट की संख्या(देखें उपर्युक्त लिंक) से भी संकेत मिलते हैं पूर्वोत्तर तथा पूर्वी राज्य इस मामले में शेष राज्यों की तुलना में पीछे हैं.  
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*  साल 2014 में देश की ग्रामीण आबादी का मात्र 3 फीसद हिस्सा ऐसा था जिसे अपनी कमाई का भुगतान सीधे बैंक खाते में हुआ, ब्राजील में यह तादाद 14 फीसद तथा दक्षिण अफ्रीका में यही संख्या 23 फीसद है. भारत में बैंक खाते का इस्तेमाल कम होता है इसका एक संकेत यह भी है कि तकरीबन 14 फीसद बैंकखाते 2014 में बिना गतिविधि के रहे. 
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*  भारत और वैश्विक स्तर पर केवल 2 फीसद व्यस्क आबादी के पास मोबाइल मनी अकाउंट है, उप-सहारीय अफ्रीका और केन्या में यह तादाद क्रमशः 12 फीसद और 58 फीसद है. 
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* देश के आर्थिक सर्वेक्षण रिपोर्ट 2015-16 के मुताबिक प्रधानमंत्री जन धन योजना के अंतर्गत बड़ी संख्या में खाता खुलने के बावजूद बेसिक सेविंग अकाउंटस् की संख्या ज्यादातर राज्यों में कम(46 फीसद) है. केवल 2 राज्यों, मध्यप्रदेश और छत्तीसगढ़ में यह 75 फीसद से ऊपर है. सर्वेक्षण रिपोर्ट में कहा गया है कि नीति निर्माताओं को समावेशन संबंधी भूलों के बारे में आगाह होना चाहिए जिसके वजह से बैकिंग सुविधाविहीन लाभार्थियों के खाते में प्रत्यक्ष नगदी भुगतान नहीं हो पा रहा है.
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विमुद्रीकरण के विविध पहलुओं पर केंद्रित कुछ महत्वपूर्ण जानकारियों और विद्रानों की राय के लिए कृपया निम्नलिखित लिंक देखें--
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&lt;p class=&quot;MsoNormal&quot;&gt;
Press release: Withdrawal of Legal Tender Status for Rs. 500
and Rs. 1000 Notes: RBI Notice, please &lt;a href=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes - Related
Links, please &lt;a href=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot;&gt;click here&lt;/a&gt;
to access
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;
Report of the Committee on Medium-term Path on Financial Inclusion, Reserve
Bank of India, dated 28 December, 2015, please &lt;a href=&quot;tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;RBI Report of the Committee on Medium term Path on Financial Inclusion&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-1, please &lt;a href=&quot;../docs/841echapter-vol1.pdf&quot; title=&quot;http://www.im4change.org/docs/841echapter-vol1.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-2, please &lt;a href=&quot;../docs/835echapter-vol2.pdf&quot; title=&quot;http://www.im4change.org/docs/835echapter-vol2.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik, economist and professor emeritus at Jawaharlal Nehru
University, interviewed by Jahnavi Sen, TheWire.in, 12 November, 2016, please &lt;a href=&quot;../interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik speaks in JNU on Demonetization, SFI JNU Unit, 12 November,
2016, please &lt;a href=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot;&gt;click here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetization: Witless and Anti-People -Prabhat Patnaik, TheCitizen.in, 9
November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Shock and oh damn -Pronab Sen, Ideas for India, 14 November,
2016, please &lt;a href=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot;&gt;click here&lt;/a&gt;
to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
In hunt for big sharks, livelihood of the poor becomes small
change, The Hindu, 13 November, 2016, please &lt;a href=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes-small-change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes-small-change/article16376199.ece?homepage=true&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits onion farmers, Deccan Herald, 13
November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot;&gt;click
here&lt;/a&gt; to access&amp;nbsp; 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Note demonetisation: What of the women who hide cash to feed
their children or to escape abuse? -Nishita Jha, Scroll.in, 12 November, 2016,
please &lt;a href=&quot;../latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation damage greater than its benefits, says Kaushik Basu -Arup
Roychoudhury, Business Standard, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
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Demonetisation Fallout: Cashless Villagers Loot PDS Shop in MP&#039;s Chhatarpur
Village -Manoj Sharma, News18.com, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
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&lt;/p&gt;
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Demonetisation hits transport business; Truckers fail to pay
-Megha Manchanda, Business Standard, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot;&gt;click
here&lt;/a&gt; to access 
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Dead since birth, Jan Dhan accounts now flush with cash
-Yogesh Dubey &amp;amp; Aditya Dev, The Economic Times, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
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Why govt&#039;s demonetisation move may fail to win the war against black money
-Appu Esthose Suresh, Hindustan Times, 12 November, 2016, please &lt;a href=&quot;../latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
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Demonetisation leaves lakhs of tea, jute workers in Bengal, Northeast unpaid
-Snigdhendu Bhattacharya, Amitava Banerjee and Rahul Karmakar, Hindustan Times,
12 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
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Show me the money -Ila Patnaik, The Indian Express, 11 November, 2016, please &lt;a href=&quot;../latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
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Will Modi&#039;s big currency-scrapping gamble yield results? -Roshan Kishore,
Livemint.com, 11 November, 2016, please &lt;a href=&quot;../latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
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Rs 500 and Rs 1,000 ban: Narendra Modi govt has created 50-day hawala window
for old notes -Narayanan Madhavan, Firstpost.com, 10 November, 2016, please &lt;a href=&quot;../latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot;&gt;click
here&lt;/a&gt; to access 
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Modi&#039;s &#039;surgical strike&#039; won&#039;t make a big difference to
black money -TT Ram Mohan, Business Standard, 10 November, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot;&gt;click
here&lt;/a&gt; to access 
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In one stroke, demonetisation has shaken the trust our
monetary system is based on -Devangshu Datta, Scroll.in, 9 November, 2016,
please &lt;a href=&quot;../latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
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Demonetisation of Rs 500 and Rs 1000 notes: Farmers fear missing out on sowing
time -Sahil Makkar, Business Standard, 9 November, 2016, please &lt;a href=&quot;../latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
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Entire speech of PM Modi announcing large notes banned, Posted by Abhishek
Chakraborty, NDTV, 8 November, 2016, please &lt;a href=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&amp;nbsp;&lt;br /&gt;
&lt;/p&gt;
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International payments industry expert Guillaume Lepecq interview by Kanika
Datta, Business Standard, 16 April, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot;&gt;click
here&lt;/a&gt; to access
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?


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सरकारी घोषणाओं में देशवासियों से कहा गया है कि...&#039;
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?
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सरकारी घोषणाओं में देशवासियों से कहा गया है कि वे नगदी की तात्कालिक कमी से होने वाली असुविधा के लिए क्रेडिट कार्ड, डेबिट कार्ड, मोबाइल और इलेक्ट्रानिक वैलेट का इस्तेमाल करें. लेकिन क्या देश कैशलेस इकॉनॉमी की तरफ कदम बढ़ाने के लिए तैयार है ?
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सवाल के किसी भी जवाब तक पहुंचने से पहले नीचे लिखे तथ्यों पर गौर करें. ये तथ्य इन्क्लूसिव मीडिया फॉर चेंज ने भारतीय रिजर्व बैंक हालिया रिपोर्ट(2015) से जुटाये हैं.
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बीते 28 दिसंबर 2015 को दीपक मोहंती की अध्यक्षता में तैयार भारतीय रिजर्व बैंक के &lt;a href=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot;&gt;दस्तावेज&lt;/a&gt; रिपोर्ट ऑफ द कमिटी ऑन मिडियम टर्म पाथ ऑन फायनेन्शियल इन्क्लूजन में दर्ज तथ्यों के मुताबिक ---
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* साल 2014 में देश के तकरीबन 50 फीसद वयस्क आबादी का एक ना एक वित्तीय संस्थान में खाता था जबकि ब्रिक्स में शामिल अन्य देशों में वित्तीय संस्थानों में खाताधारक वयस्क आबादी की संख्या 70 फीसद से ऊपर है. संयुक्त राज्य अमेरिका और ग्रेट ब्रिटेन में खाताधारक वयस्क आबादी की संख्या इससे भी ज्यादा है. 
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*  नवीनतम् सेंसस ऑफ हाऊस लिस्टिंग एंड हाऊस सर्वे (2011) के मुताबिक साल 2001 में बैंकिंग सेवाओं का इस्तेमाल करने वाले लोगों की संख्या 35 फीसद थी जो साल 2011 में बढ़कर 59 फीसद हो गई.  
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* साल 2014 में प्रति लाख आबादी पर देश में 18 एटीएम मौजूद थे. दक्षिण अफ्रीका में प्रतिलाख आबादी पर 65 एटीएम हैं और रुस में 180 एटीएम.देश में 15 साल और इससे ज्यादा उम्र के 10 फीसद लोग डेबिट कार्ड के जरिए भुगतान करते हैं जबकि दक्षिण अफ्रीका में 40 फीसद. असंगठित क्षेत्र के कामगार और छोटे उत्पादक तथा खुदरा दुकानदार रोजमर्रा की खरीद-बिक्री के लिए मुख्य रुप से नगदी पर निर्भर हैं.  
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* देश में अनुसूचित व्यावसायिक बैंकों की संख्या साल 2001 में 6.4 थी जो 2015 के जून माह में बढ़कर 9.7 हो गई.  बैंकों की संख्या में यह वृद्धि शहरों और गांवों में असमान रुप से हुई है. ग्रामीण और अर्ध-शहरी इलाकों को एक साथ मिलाकर देखें तो साल 2001 में ऐसी जगहों पर प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 5.3 थी और 2015 के जून महीने तक बढ़कर यह संख्या 7.8 हुई जबकि इसी अवधि में शहरी और महानगरीय इलाकों में प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 11.7 से बढ़कर 18.7 हो गई है.
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* साल 2006 से 2015 के बीच खातों के घनत्व यानी प्रति हजार आबादी पर खाताधारक आबादी की संख्या में पर्याप्त सुधार हुआ है. इस अवधि में खाताधारक महिलाओं की संख्या तिगुनी हुई है तो भी पुरुष खाताधारकों के घनत्व की तुलना में यह बहुत कम है. 
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*  एक तथ्य यह भी है कि जिन राज्यों में ग्रामीण आबादी तुलनात्मक रुप से ज्यादा है या तुलनात्मक रुप से जिन राज्यों में शेष राज्यों की तुलना में महिला आबादी ज्यादा है वहां लोगों को बैंकिंग सेवाओं से जोड़ने का काम कम हुआ है. 
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*  राष्ट्रीय स्तर पर देखें तो साल 2006 में प्रति हजार महिलाओं में खाताधारक महिलाओं की संख्या 143 थी जो 2010 में बढ़कर 196 हुई और 2015 के जून महीने में यह संख्या 536 पर पहुंची है. 
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*  किसी विशेष इलाके में बैंकों की संख्या में बढोत्तरी हो तो माना जा सकता है कि वहां लोगों के लिए बैकिंग सेवाओं को हासिल करना अपेक्षाकृत आसान हुआ. इलाका विशेष में बैकों की संख्या में बढोत्तरी 2006 से 2015 के बीच डेढ़ गुना हुई है. लेकिन पूर्वोत्तर के राज्य तथा बिहार, झारखंड, उत्तरप्रदेश, पश्चिम बंगाल और मध्यप्रदेश में आबादी की तुलना में बैकों की शाखाओं की संख्या में वृद्धि अपेक्षाकृत कम रही है. मार्च 2015 तक राज्यवार बेसिक सेविंग बैंक डिपॉजिट अकाउंट की संख्या(देखें उपर्युक्त लिंक) से भी संकेत मिलते हैं पूर्वोत्तर तथा पूर्वी राज्य इस मामले में शेष राज्यों की तुलना में पीछे हैं.  
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*  साल 2014 में देश की ग्रामीण आबादी का मात्र 3 फीसद हिस्सा ऐसा था जिसे अपनी कमाई का भुगतान सीधे बैंक खाते में हुआ, ब्राजील में यह तादाद 14 फीसद तथा दक्षिण अफ्रीका में यही संख्या 23 फीसद है. भारत में बैंक खाते का इस्तेमाल कम होता है इसका एक संकेत यह भी है कि तकरीबन 14 फीसद बैंकखाते 2014 में बिना गतिविधि के रहे. 
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*  भारत और वैश्विक स्तर पर केवल 2 फीसद व्यस्क आबादी के पास मोबाइल मनी अकाउंट है, उप-सहारीय अफ्रीका और केन्या में यह तादाद क्रमशः 12 फीसद और 58 फीसद है. 
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* देश के आर्थिक सर्वेक्षण रिपोर्ट 2015-16 के मुताबिक प्रधानमंत्री जन धन योजना के अंतर्गत बड़ी संख्या में खाता खुलने के बावजूद बेसिक सेविंग अकाउंटस् की संख्या ज्यादातर राज्यों में कम(46 फीसद) है. केवल 2 राज्यों, मध्यप्रदेश और छत्तीसगढ़ में यह 75 फीसद से ऊपर है. सर्वेक्षण रिपोर्ट में कहा गया है कि नीति निर्माताओं को समावेशन संबंधी भूलों के बारे में आगाह होना चाहिए जिसके वजह से बैकिंग सुविधाविहीन लाभार्थियों के खाते में प्रत्यक्ष नगदी भुगतान नहीं हो पा रहा है.
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विमुद्रीकरण के विविध पहलुओं पर केंद्रित कुछ महत्वपूर्ण जानकारियों और विद्रानों की राय के लिए कृपया निम्नलिखित लिंक देखें--
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&lt;p class=&quot;MsoNormal&quot;&gt;
Press release: Withdrawal of Legal Tender Status for Rs. 500
and Rs. 1000 Notes: RBI Notice, please &lt;a href=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot; title=&quot;https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes - Related
Links, please &lt;a href=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot; title=&quot;https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270&quot;&gt;click here&lt;/a&gt;
to access
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;
Report of the Committee on Medium-term Path on Financial Inclusion, Reserve
Bank of India, dated 28 December, 2015, please &lt;a href=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;RBI Report of the Committee on Medium term Path on Financial Inclusion&quot; title=&quot;https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf&quot; title=&quot;RBI Report of the Committee on Medium term Path on Financial Inclusion&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-1, please &lt;a href=&quot;https://im4change.in/docs/841echapter-vol1.pdf&quot; title=&quot;http://www.im4change.org/docs/841echapter-vol1.pdf&quot; title=&quot;https://im4change.in/docs/841echapter-vol1.pdf&quot; title=&quot;http://www.im4change.org/docs/841echapter-vol1.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Economic Survey 2015-16, Volume-2, please &lt;a href=&quot;https://im4change.in/docs/835echapter-vol2.pdf&quot; title=&quot;http://www.im4change.org/docs/835echapter-vol2.pdf&quot; title=&quot;https://im4change.in/docs/835echapter-vol2.pdf&quot; title=&quot;http://www.im4change.org/docs/835echapter-vol2.pdf&quot;&gt;click here&lt;/a&gt; to
access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik, economist and professor emeritus at Jawaharlal Nehru
University, interviewed by Jahnavi Sen, TheWire.in, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot; title=&quot;http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Prabhat Patnaik speaks in JNU on Demonetization, SFI JNU Unit, 12 November,
2016, please &lt;a href=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot; title=&quot;https://www.youtube.com/watch?v=RlZevCgPsnY&quot;&gt;click here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetization: Witless and Anti-People -Prabhat Patnaik, TheCitizen.in, 9
November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Shock and oh damn -Pronab Sen, Ideas for India, 14 November,
2016, please &lt;a href=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot; title=&quot;http://www.ideasforindia.in/article.aspx?article_id=1720&quot;&gt;click here&lt;/a&gt;
to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
In hunt for big sharks, livelihood of the poor becomes 
change, The Hindu, 13 November, 2016, please &lt;a href=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot; title=&quot;http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits onion farmers, Deccan Herald, 13
November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html&quot;&gt;click
here&lt;/a&gt; to access&amp;nbsp; 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Note demonetisation: What of the women who hide cash to feed
their children or to escape abuse? -Nishita Jha, Scroll.in, 12 November, 2016,
please &lt;a href=&quot;https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation damage greater than its benefits, says Kaushik Basu -Arup
Roychoudhury, Business Standard, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation Fallout: Cashless Villagers Loot PDS Shop in MP&#039;s Chhatarpur
Village -Manoj Sharma, News18.com, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation hits transport business; Truckers fail to pay
-Megha Manchanda, Business Standard, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Dead since birth, Jan Dhan accounts now flush with cash
-Yogesh Dubey &amp;amp; Aditya Dev, The Economic Times, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Why govt&#039;s demonetisation move may fail to win the war against black money
-Appu Esthose Suresh, Hindustan Times, 12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation leaves lakhs of tea, jute workers in Bengal, Northeast unpaid
-Snigdhendu Bhattacharya, Amitava Banerjee and Rahul Karmakar, Hindustan Times,
12 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Show me the money -Ila Patnaik, The Indian Express, 11 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html&quot;&gt;click
here&lt;/a&gt; to access&lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Will Modi&#039;s big currency-scrapping gamble yield results? -Roshan Kishore,
Livemint.com, 11 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Rs 500 and Rs 1,000 ban: Narendra Modi govt has created 50-day hawala window
for old notes -Narayanan Madhavan, Firstpost.com, 10 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Modi&#039;s &#039;surgical strike&#039; won&#039;t make a big difference to
black money -TT Ram Mohan, Business Standard, 10 November, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot; title=&quot;http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html&quot;&gt;click
here&lt;/a&gt; to access 
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
&amp;nbsp;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
In one stroke, demonetisation has shaken the trust our
monetary system is based on -Devangshu Datta, Scroll.in, 9 November, 2016,
please &lt;a href=&quot;https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Demonetisation of Rs 500 and Rs 1000 notes: Farmers fear missing out on sowing
time -Sahil Makkar, Business Standard, 9 November, 2016, please &lt;a href=&quot;https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot; title=&quot;http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
Entire speech of PM Modi announcing large notes banned, Posted by Abhishek
Chakraborty, NDTV, 8 November, 2016, please &lt;a href=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot; title=&quot;http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full&quot;&gt;click
here&lt;/a&gt; to access &lt;br /&gt;
&amp;nbsp;&lt;br /&gt;
&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;
International payments industry expert Guillaume Lepecq interview by Kanika
Datta, Business Standard, 16 April, 2016, please &lt;a href=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot; title=&quot;http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html&quot;&gt;click
here&lt;/a&gt; to access
&lt;/p&gt;
&amp;nbsp;
&lt;br /&gt;
&lt;p&gt;
&amp;nbsp;
&lt;/p&gt;&#039;
$lang = &#039;Hindi&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
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                <strong>नोटबंदी के साइड इफेक्टस् : सबसे ज्यादा चोट किसपर ?</strong></h1>
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?
</div>
<p align="justify">
&nbsp;
</p>
<p align="justify">
सरकारी घोषणाओं में देशवासियों से कहा गया है कि वे नगदी की तात्कालिक कमी से होने वाली असुविधा के लिए क्रेडिट कार्ड, डेबिट कार्ड, मोबाइल और इलेक्ट्रानिक वैलेट का इस्तेमाल करें. लेकिन क्या देश कैशलेस इकॉनॉमी की तरफ कदम बढ़ाने के लिए तैयार है ?
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
सवाल के किसी भी जवाब तक पहुंचने से पहले नीचे लिखे तथ्यों पर गौर करें. ये तथ्य इन्क्लूसिव मीडिया फॉर चेंज ने भारतीय रिजर्व बैंक हालिया रिपोर्ट(2015) से जुटाये हैं.
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
बीते 28 दिसंबर 2015 को दीपक मोहंती की अध्यक्षता में तैयार भारतीय रिजर्व बैंक के <a href="https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf" title="https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf">दस्तावेज</a> रिपोर्ट ऑफ द कमिटी ऑन मिडियम टर्म पाथ ऑन फायनेन्शियल इन्क्लूजन में दर्ज तथ्यों के मुताबिक ---
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
* साल 2014 में देश के तकरीबन 50 फीसद वयस्क आबादी का एक ना एक वित्तीय संस्थान में खाता था जबकि ब्रिक्स में शामिल अन्य देशों में वित्तीय संस्थानों में खाताधारक वयस्क आबादी की संख्या 70 फीसद से ऊपर है. संयुक्त राज्य अमेरिका और ग्रेट ब्रिटेन में खाताधारक वयस्क आबादी की संख्या इससे भी ज्यादा है. 
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
*  नवीनतम् सेंसस ऑफ हाऊस लिस्टिंग एंड हाऊस सर्वे (2011) के मुताबिक साल 2001 में बैंकिंग सेवाओं का इस्तेमाल करने वाले लोगों की संख्या 35 फीसद थी जो साल 2011 में बढ़कर 59 फीसद हो गई.  
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
* साल 2014 में प्रति लाख आबादी पर देश में 18 एटीएम मौजूद थे. दक्षिण अफ्रीका में प्रतिलाख आबादी पर 65 एटीएम हैं और रुस में 180 एटीएम.देश में 15 साल और इससे ज्यादा उम्र के 10 फीसद लोग डेबिट कार्ड के जरिए भुगतान करते हैं जबकि दक्षिण अफ्रीका में 40 फीसद. असंगठित क्षेत्र के कामगार और छोटे उत्पादक तथा खुदरा दुकानदार रोजमर्रा की खरीद-बिक्री के लिए मुख्य रुप से नगदी पर निर्भर हैं.  
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
* देश में अनुसूचित व्यावसायिक बैंकों की संख्या साल 2001 में 6.4 थी जो 2015 के जून माह में बढ़कर 9.7 हो गई.  बैंकों की संख्या में यह वृद्धि शहरों और गांवों में असमान रुप से हुई है. ग्रामीण और अर्ध-शहरी इलाकों को एक साथ मिलाकर देखें तो साल 2001 में ऐसी जगहों पर प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 5.3 थी और 2015 के जून महीने तक बढ़कर यह संख्या 7.8 हुई जबकि इसी अवधि में शहरी और महानगरीय इलाकों में प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 11.7 से बढ़कर 18.7 हो गई है.
</p>
<p align="justify">
&nbsp;
</p>
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* साल 2006 से 2015 के बीच खातों के घनत्व यानी प्रति हजार आबादी पर खाताधारक आबादी की संख्या में पर्याप्त सुधार हुआ है. इस अवधि में खाताधारक महिलाओं की संख्या तिगुनी हुई है तो भी पुरुष खाताधारकों के घनत्व की तुलना में यह बहुत कम है. 
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
*  एक तथ्य यह भी है कि जिन राज्यों में ग्रामीण आबादी तुलनात्मक रुप से ज्यादा है या तुलनात्मक रुप से जिन राज्यों में शेष राज्यों की तुलना में महिला आबादी ज्यादा है वहां लोगों को बैंकिंग सेवाओं से जोड़ने का काम कम हुआ है. 
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&nbsp;
</p>
<p align="justify">
*  राष्ट्रीय स्तर पर देखें तो साल 2006 में प्रति हजार महिलाओं में खाताधारक महिलाओं की संख्या 143 थी जो 2010 में बढ़कर 196 हुई और 2015 के जून महीने में यह संख्या 536 पर पहुंची है. 
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&nbsp;
</p>
<p align="justify">
*  किसी विशेष इलाके में बैंकों की संख्या में बढोत्तरी हो तो माना जा सकता है कि वहां लोगों के लिए बैकिंग सेवाओं को हासिल करना अपेक्षाकृत आसान हुआ. इलाका विशेष में बैकों की संख्या में बढोत्तरी 2006 से 2015 के बीच डेढ़ गुना हुई है. लेकिन पूर्वोत्तर के राज्य तथा बिहार, झारखंड, उत्तरप्रदेश, पश्चिम बंगाल और मध्यप्रदेश में आबादी की तुलना में बैकों की शाखाओं की संख्या में वृद्धि अपेक्षाकृत कम रही है. मार्च 2015 तक राज्यवार बेसिक सेविंग बैंक डिपॉजिट अकाउंट की संख्या(देखें उपर्युक्त लिंक) से भी संकेत मिलते हैं पूर्वोत्तर तथा पूर्वी राज्य इस मामले में शेष राज्यों की तुलना में पीछे हैं.  
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
*  साल 2014 में देश की ग्रामीण आबादी का मात्र 3 फीसद हिस्सा ऐसा था जिसे अपनी कमाई का भुगतान सीधे बैंक खाते में हुआ, ब्राजील में यह तादाद 14 फीसद तथा दक्षिण अफ्रीका में यही संख्या 23 फीसद है. भारत में बैंक खाते का इस्तेमाल कम होता है इसका एक संकेत यह भी है कि तकरीबन 14 फीसद बैंकखाते 2014 में बिना गतिविधि के रहे. 
</p>
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&nbsp;
</p>
<p align="justify">
*  भारत और वैश्विक स्तर पर केवल 2 फीसद व्यस्क आबादी के पास मोबाइल मनी अकाउंट है, उप-सहारीय अफ्रीका और केन्या में यह तादाद क्रमशः 12 फीसद और 58 फीसद है. 
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
* देश के आर्थिक सर्वेक्षण रिपोर्ट 2015-16 के मुताबिक प्रधानमंत्री जन धन योजना के अंतर्गत बड़ी संख्या में खाता खुलने के बावजूद बेसिक सेविंग अकाउंटस् की संख्या ज्यादातर राज्यों में कम(46 फीसद) है. केवल 2 राज्यों, मध्यप्रदेश और छत्तीसगढ़ में यह 75 फीसद से ऊपर है. सर्वेक्षण रिपोर्ट में कहा गया है कि नीति निर्माताओं को समावेशन संबंधी भूलों के बारे में आगाह होना चाहिए जिसके वजह से बैकिंग सुविधाविहीन लाभार्थियों के खाते में प्रत्यक्ष नगदी भुगतान नहीं हो पा रहा है.
</p>
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</p>
<p align="justify">
विमुद्रीकरण के विविध पहलुओं पर केंद्रित कुछ महत्वपूर्ण जानकारियों और विद्रानों की राय के लिए कृपया निम्नलिखित लिंक देखें--
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</p>
<p class="MsoNormal">
Press release: Withdrawal of Legal Tender Status for Rs. 500
and Rs. 1000 Notes: RBI Notice, please <a href="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520" title="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520" title="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520" title="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes - Related
Links, please <a href="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270" title="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270" title="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270" title="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270">click here</a>
to access
</p>
<p class="MsoNormal">
<br />
Report of the Committee on Medium-term Path on Financial Inclusion, Reserve
Bank of India, dated 28 December, 2015, please <a href="https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf" title="RBI Report of the Committee on Medium term Path on Financial Inclusion" title="https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf" title="RBI Report of the Committee on Medium term Path on Financial Inclusion">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Economic Survey 2015-16, Volume-1, please <a href="https://im4change.in/docs/841echapter-vol1.pdf" title="http://www.im4change.org/docs/841echapter-vol1.pdf" title="https://im4change.in/docs/841echapter-vol1.pdf" title="http://www.im4change.org/docs/841echapter-vol1.pdf">click here</a> to
access <br />
<br />
</p>
<p class="MsoNormal">
Economic Survey 2015-16, Volume-2, please <a href="https://im4change.in/docs/835echapter-vol2.pdf" title="http://www.im4change.org/docs/835echapter-vol2.pdf" title="https://im4change.in/docs/835echapter-vol2.pdf" title="http://www.im4change.org/docs/835echapter-vol2.pdf">click here</a> to
access <br />
<br />
</p>
<p class="MsoNormal">
Prabhat Patnaik, economist and professor emeritus at Jawaharlal Nehru
University, interviewed by Jahnavi Sen, TheWire.in, 12 November, 2016, please <a href="https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html" title="http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html" title="https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html" title="http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Prabhat Patnaik speaks in JNU on Demonetization, SFI JNU Unit, 12 November,
2016, please <a href="https://www.youtube.com/watch?v=RlZevCgPsnY" title="https://www.youtube.com/watch?v=RlZevCgPsnY" title="https://www.youtube.com/watch?v=RlZevCgPsnY" title="https://www.youtube.com/watch?v=RlZevCgPsnY">click here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetization: Witless and Anti-People -Prabhat Patnaik, TheCitizen.in, 9
November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html" title="http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html" title="https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html" title="http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Shock and oh damn -Pronab Sen, Ideas for India, 14 November,
2016, please <a href="http://www.ideasforindia.in/article.aspx?article_id=1720" title="http://www.ideasforindia.in/article.aspx?article_id=1720" title="http://www.ideasforindia.in/article.aspx?article_id=1720" title="http://www.ideasforindia.in/article.aspx?article_id=1720">click here</a>
to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
In hunt for big sharks, livelihood of the poor becomes 
change, The Hindu, 13 November, 2016, please <a href="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true" title="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true" title="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true" title="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Demonetisation hits onion farmers, Deccan Herald, 13
November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html" title="https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html">click
here</a> to access&nbsp; 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Note demonetisation: What of the women who hide cash to feed
their children or to escape abuse? -Nishita Jha, Scroll.in, 12 November, 2016,
please <a href="https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html" title="http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html" title="https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html" title="http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation damage greater than its benefits, says Kaushik Basu -Arup
Roychoudhury, Business Standard, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html" title="http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html" title="https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html" title="http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation Fallout: Cashless Villagers Loot PDS Shop in MP's Chhatarpur
Village -Manoj Sharma, News18.com, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html" title="http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html" title="https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html" title="http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html">click
here</a> to access<br />
&nbsp;
</p>
<p class="MsoNormal">
Demonetisation hits transport business; Truckers fail to pay
-Megha Manchanda, Business Standard, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html" title="https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Dead since birth, Jan Dhan accounts now flush with cash
-Yogesh Dubey &amp; Aditya Dev, The Economic Times, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html" title="http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html" title="https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html" title="http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Why govt's demonetisation move may fail to win the war against black money
-Appu Esthose Suresh, Hindustan Times, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html" title="http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html" title="https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html" title="http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation leaves lakhs of tea, jute workers in Bengal, Northeast unpaid
-Snigdhendu Bhattacharya, Amitava Banerjee and Rahul Karmakar, Hindustan Times,
12 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html" title="http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html" title="https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html" title="http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Show me the money -Ila Patnaik, The Indian Express, 11 November, 2016, please <a href="https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html" title="http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html" title="https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html" title="http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Will Modi's big currency-scrapping gamble yield results? -Roshan Kishore,
Livemint.com, 11 November, 2016, please <a href="https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html" title="http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html" title="https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html" title="http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Rs 500 and Rs 1,000 ban: Narendra Modi govt has created 50-day hawala window
for old notes -Narayanan Madhavan, Firstpost.com, 10 November, 2016, please <a href="https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html" title="http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html" title="https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html" title="http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Modi's 'surgical strike' won't make a big difference to
black money -TT Ram Mohan, Business Standard, 10 November, 2016, please <a href="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html" title="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html" title="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html" title="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
In one stroke, demonetisation has shaken the trust our
monetary system is based on -Devangshu Datta, Scroll.in, 9 November, 2016,
please <a href="https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html" title="http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html" title="https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html" title="http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation of Rs 500 and Rs 1000 notes: Farmers fear missing out on sowing
time -Sahil Makkar, Business Standard, 9 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html" title="http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html" title="https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html" title="http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Entire speech of PM Modi announcing large notes banned, Posted by Abhishek
Chakraborty, NDTV, 8 November, 2016, please <a href="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full" title="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full" title="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full" title="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full">click
here</a> to access <br />
&nbsp;<br />
</p>
<p class="MsoNormal">
International payments industry expert Guillaume Lepecq interview by Kanika
Datta, Business Standard, 16 April, 2016, please <a href="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html" title="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html" title="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html" title="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html">click
here</a> to access
</p>
&nbsp;
<br />
<p>
&nbsp;
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?
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सरकारी घोषणाओं में देशवासियों से कहा गया है कि वे नगदी की तात्कालिक कमी से होने वाली असुविधा के लिए क्रेडिट कार्ड, डेबिट कार्ड, मोबाइल और इलेक्ट्रानिक वैलेट का इस्तेमाल करें. लेकिन क्या देश कैशलेस इकॉनॉमी की तरफ कदम बढ़ाने के लिए तैयार है ?
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सवाल के किसी भी जवाब तक पहुंचने से पहले नीचे लिखे तथ्यों पर गौर करें. ये तथ्य इन्क्लूसिव मीडिया फॉर चेंज ने भारतीय रिजर्व बैंक हालिया रिपोर्ट(2015) से जुटाये हैं.
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बीते 28 दिसंबर 2015 को दीपक मोहंती की अध्यक्षता में तैयार भारतीय रिजर्व बैंक के <a href="tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf">दस्तावेज</a> रिपोर्ट ऑफ द कमिटी ऑन मिडियम टर्म पाथ ऑन फायनेन्शियल इन्क्लूजन में दर्ज तथ्यों के मुताबिक ---
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* साल 2014 में देश के तकरीबन 50 फीसद वयस्क आबादी का एक ना एक वित्तीय संस्थान में खाता था जबकि ब्रिक्स में शामिल अन्य देशों में वित्तीय संस्थानों में खाताधारक वयस्क आबादी की संख्या 70 फीसद से ऊपर है. संयुक्त राज्य अमेरिका और ग्रेट ब्रिटेन में खाताधारक वयस्क आबादी की संख्या इससे भी ज्यादा है. 
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*  नवीनतम् सेंसस ऑफ हाऊस लिस्टिंग एंड हाऊस सर्वे (2011) के मुताबिक साल 2001 में बैंकिंग सेवाओं का इस्तेमाल करने वाले लोगों की संख्या 35 फीसद थी जो साल 2011 में बढ़कर 59 फीसद हो गई.  
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* साल 2014 में प्रति लाख आबादी पर देश में 18 एटीएम मौजूद थे. दक्षिण अफ्रीका में प्रतिलाख आबादी पर 65 एटीएम हैं और रुस में 180 एटीएम.देश में 15 साल और इससे ज्यादा उम्र के 10 फीसद लोग डेबिट कार्ड के जरिए भुगतान करते हैं जबकि दक्षिण अफ्रीका में 40 फीसद. असंगठित क्षेत्र के कामगार और छोटे उत्पादक तथा खुदरा दुकानदार रोजमर्रा की खरीद-बिक्री के लिए मुख्य रुप से नगदी पर निर्भर हैं.  
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* देश में अनुसूचित व्यावसायिक बैंकों की संख्या साल 2001 में 6.4 थी जो 2015 के जून माह में बढ़कर 9.7 हो गई.  बैंकों की संख्या में यह वृद्धि शहरों और गांवों में असमान रुप से हुई है. ग्रामीण और अर्ध-शहरी इलाकों को एक साथ मिलाकर देखें तो साल 2001 में ऐसी जगहों पर प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 5.3 थी और 2015 के जून महीने तक बढ़कर यह संख्या 7.8 हुई जबकि इसी अवधि में शहरी और महानगरीय इलाकों में प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 11.7 से बढ़कर 18.7 हो गई है.
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* साल 2006 से 2015 के बीच खातों के घनत्व यानी प्रति हजार आबादी पर खाताधारक आबादी की संख्या में पर्याप्त सुधार हुआ है. इस अवधि में खाताधारक महिलाओं की संख्या तिगुनी हुई है तो भी पुरुष खाताधारकों के घनत्व की तुलना में यह बहुत कम है. 
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*  एक तथ्य यह भी है कि जिन राज्यों में ग्रामीण आबादी तुलनात्मक रुप से ज्यादा है या तुलनात्मक रुप से जिन राज्यों में शेष राज्यों की तुलना में महिला आबादी ज्यादा है वहां लोगों को बैंकिंग सेवाओं से जोड़ने का काम कम हुआ है. 
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*  राष्ट्रीय स्तर पर देखें तो साल 2006 में प्रति हजार महिलाओं में खाताधारक महिलाओं की संख्या 143 थी जो 2010 में बढ़कर 196 हुई और 2015 के जून महीने में यह संख्या 536 पर पहुंची है. 
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*  किसी विशेष इलाके में बैंकों की संख्या में बढोत्तरी हो तो माना जा सकता है कि वहां लोगों के लिए बैकिंग सेवाओं को हासिल करना अपेक्षाकृत आसान हुआ. इलाका विशेष में बैकों की संख्या में बढोत्तरी 2006 से 2015 के बीच डेढ़ गुना हुई है. लेकिन पूर्वोत्तर के राज्य तथा बिहार, झारखंड, उत्तरप्रदेश, पश्चिम बंगाल और मध्यप्रदेश में आबादी की तुलना में बैकों की शाखाओं की संख्या में वृद्धि अपेक्षाकृत कम रही है. मार्च 2015 तक राज्यवार बेसिक सेविंग बैंक डिपॉजिट अकाउंट की संख्या(देखें उपर्युक्त लिंक) से भी संकेत मिलते हैं पूर्वोत्तर तथा पूर्वी राज्य इस मामले में शेष राज्यों की तुलना में पीछे हैं.  
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*  साल 2014 में देश की ग्रामीण आबादी का मात्र 3 फीसद हिस्सा ऐसा था जिसे अपनी कमाई का भुगतान सीधे बैंक खाते में हुआ, ब्राजील में यह तादाद 14 फीसद तथा दक्षिण अफ्रीका में यही संख्या 23 फीसद है. भारत में बैंक खाते का इस्तेमाल कम होता है इसका एक संकेत यह भी है कि तकरीबन 14 फीसद बैंकखाते 2014 में बिना गतिविधि के रहे. 
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*  भारत और वैश्विक स्तर पर केवल 2 फीसद व्यस्क आबादी के पास मोबाइल मनी अकाउंट है, उप-सहारीय अफ्रीका और केन्या में यह तादाद क्रमशः 12 फीसद और 58 फीसद है. 
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* देश के आर्थिक सर्वेक्षण रिपोर्ट 2015-16 के मुताबिक प्रधानमंत्री जन धन योजना के अंतर्गत बड़ी संख्या में खाता खुलने के बावजूद बेसिक सेविंग अकाउंटस् की संख्या ज्यादातर राज्यों में कम(46 फीसद) है. केवल 2 राज्यों, मध्यप्रदेश और छत्तीसगढ़ में यह 75 फीसद से ऊपर है. सर्वेक्षण रिपोर्ट में कहा गया है कि नीति निर्माताओं को समावेशन संबंधी भूलों के बारे में आगाह होना चाहिए जिसके वजह से बैकिंग सुविधाविहीन लाभार्थियों के खाते में प्रत्यक्ष नगदी भुगतान नहीं हो पा रहा है.
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विमुद्रीकरण के विविध पहलुओं पर केंद्रित कुछ महत्वपूर्ण जानकारियों और विद्रानों की राय के लिए कृपया निम्नलिखित लिंक देखें--
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<p class="MsoNormal">
Press release: Withdrawal of Legal Tender Status for Rs. 500
and Rs. 1000 Notes: RBI Notice, please <a href="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520" title="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes - Related
Links, please <a href="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270" title="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270">click here</a>
to access
</p>
<p class="MsoNormal">
<br />
Report of the Committee on Medium-term Path on Financial Inclusion, Reserve
Bank of India, dated 28 December, 2015, please <a href="tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf" title="RBI Report of the Committee on Medium term Path on Financial Inclusion">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Economic Survey 2015-16, Volume-1, please <a href="../docs/841echapter-vol1.pdf" title="http://www.im4change.org/docs/841echapter-vol1.pdf">click here</a> to
access <br />
<br />
</p>
<p class="MsoNormal">
Economic Survey 2015-16, Volume-2, please <a href="../docs/835echapter-vol2.pdf" title="http://www.im4change.org/docs/835echapter-vol2.pdf">click here</a> to
access <br />
<br />
</p>
<p class="MsoNormal">
Prabhat Patnaik, economist and professor emeritus at Jawaharlal Nehru
University, interviewed by Jahnavi Sen, TheWire.in, 12 November, 2016, please <a href="../interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html" title="http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Prabhat Patnaik speaks in JNU on Demonetization, SFI JNU Unit, 12 November,
2016, please <a href="https://www.youtube.com/watch?v=RlZevCgPsnY" title="https://www.youtube.com/watch?v=RlZevCgPsnY">click here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetization: Witless and Anti-People -Prabhat Patnaik, TheCitizen.in, 9
November, 2016, please <a href="../latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html" title="http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Shock and oh damn -Pronab Sen, Ideas for India, 14 November,
2016, please <a href="http://www.ideasforindia.in/article.aspx?article_id=1720" title="http://www.ideasforindia.in/article.aspx?article_id=1720">click here</a>
to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
In hunt for big sharks, livelihood of the poor becomes small
change, The Hindu, 13 November, 2016, please <a href="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes-small-change/article16376199.ece?homepage=true" title="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes-small-change/article16376199.ece?homepage=true">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Demonetisation hits onion farmers, Deccan Herald, 13
November, 2016, please <a href="../latest-news-updates/demonetisation-hits-onion-farmers-4680543.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html">click
here</a> to access&nbsp; 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Note demonetisation: What of the women who hide cash to feed
their children or to escape abuse? -Nishita Jha, Scroll.in, 12 November, 2016,
please <a href="../latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html" title="http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation damage greater than its benefits, says Kaushik Basu -Arup
Roychoudhury, Business Standard, 12 November, 2016, please <a href="../latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html" title="http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation Fallout: Cashless Villagers Loot PDS Shop in MP's Chhatarpur
Village -Manoj Sharma, News18.com, 12 November, 2016, please <a href="../latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html" title="http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html">click
here</a> to access<br />
&nbsp;
</p>
<p class="MsoNormal">
Demonetisation hits transport business; Truckers fail to pay
-Megha Manchanda, Business Standard, 12 November, 2016, please <a href="../latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Dead since birth, Jan Dhan accounts now flush with cash
-Yogesh Dubey &amp; Aditya Dev, The Economic Times, 12 November, 2016, please <a href="../latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html" title="http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Why govt's demonetisation move may fail to win the war against black money
-Appu Esthose Suresh, Hindustan Times, 12 November, 2016, please <a href="../latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html" title="http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation leaves lakhs of tea, jute workers in Bengal, Northeast unpaid
-Snigdhendu Bhattacharya, Amitava Banerjee and Rahul Karmakar, Hindustan Times,
12 November, 2016, please <a href="../latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html" title="http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Show me the money -Ila Patnaik, The Indian Express, 11 November, 2016, please <a href="../latest-news-updates/show-me-the-money-ila-patnaik-4680533.html" title="http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Will Modi's big currency-scrapping gamble yield results? -Roshan Kishore,
Livemint.com, 11 November, 2016, please <a href="../latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html" title="http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Rs 500 and Rs 1,000 ban: Narendra Modi govt has created 50-day hawala window
for old notes -Narayanan Madhavan, Firstpost.com, 10 November, 2016, please <a href="../latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html" title="http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Modi's 'surgical strike' won't make a big difference to
black money -TT Ram Mohan, Business Standard, 10 November, 2016, please <a href="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html" title="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
In one stroke, demonetisation has shaken the trust our
monetary system is based on -Devangshu Datta, Scroll.in, 9 November, 2016,
please <a href="../latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html" title="http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation of Rs 500 and Rs 1000 notes: Farmers fear missing out on sowing
time -Sahil Makkar, Business Standard, 9 November, 2016, please <a href="../latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html" title="http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Entire speech of PM Modi announcing large notes banned, Posted by Abhishek
Chakraborty, NDTV, 8 November, 2016, please <a href="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full" title="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full">click
here</a> to access <br />
&nbsp;<br />
</p>
<p class="MsoNormal">
International payments industry expert Guillaume Lepecq interview by Kanika
Datta, Business Standard, 16 April, 2016, please <a href="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html" title="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html">click
here</a> to access
</p>
&nbsp;
<br />
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&nbsp;
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?


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सरकारी घोषणाओं में देशवासियों से कहा गया है कि...',
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?
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सरकारी घोषणाओं में देशवासियों से कहा गया है कि वे नगदी की तात्कालिक कमी से होने वाली असुविधा के लिए क्रेडिट कार्ड, डेबिट कार्ड, मोबाइल और इलेक्ट्रानिक वैलेट का इस्तेमाल करें. लेकिन क्या देश कैशलेस इकॉनॉमी की तरफ कदम बढ़ाने के लिए तैयार है ?
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सवाल के किसी भी जवाब तक पहुंचने से पहले नीचे लिखे तथ्यों पर गौर करें. ये तथ्य इन्क्लूसिव मीडिया फॉर चेंज ने भारतीय रिजर्व बैंक हालिया रिपोर्ट(2015) से जुटाये हैं.
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बीते 28 दिसंबर 2015 को दीपक मोहंती की अध्यक्षता में तैयार भारतीय रिजर्व बैंक के <a href="https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf" title="https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf">दस्तावेज</a> रिपोर्ट ऑफ द कमिटी ऑन मिडियम टर्म पाथ ऑन फायनेन्शियल इन्क्लूजन में दर्ज तथ्यों के मुताबिक ---
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* साल 2014 में देश के तकरीबन 50 फीसद वयस्क आबादी का एक ना एक वित्तीय संस्थान में खाता था जबकि ब्रिक्स में शामिल अन्य देशों में वित्तीय संस्थानों में खाताधारक वयस्क आबादी की संख्या 70 फीसद से ऊपर है. संयुक्त राज्य अमेरिका और ग्रेट ब्रिटेन में खाताधारक वयस्क आबादी की संख्या इससे भी ज्यादा है. 
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*  नवीनतम् सेंसस ऑफ हाऊस लिस्टिंग एंड हाऊस सर्वे (2011) के मुताबिक साल 2001 में बैंकिंग सेवाओं का इस्तेमाल करने वाले लोगों की संख्या 35 फीसद थी जो साल 2011 में बढ़कर 59 फीसद हो गई.  
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* साल 2014 में प्रति लाख आबादी पर देश में 18 एटीएम मौजूद थे. दक्षिण अफ्रीका में प्रतिलाख आबादी पर 65 एटीएम हैं और रुस में 180 एटीएम.देश में 15 साल और इससे ज्यादा उम्र के 10 फीसद लोग डेबिट कार्ड के जरिए भुगतान करते हैं जबकि दक्षिण अफ्रीका में 40 फीसद. असंगठित क्षेत्र के कामगार और छोटे उत्पादक तथा खुदरा दुकानदार रोजमर्रा की खरीद-बिक्री के लिए मुख्य रुप से नगदी पर निर्भर हैं.  
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* देश में अनुसूचित व्यावसायिक बैंकों की संख्या साल 2001 में 6.4 थी जो 2015 के जून माह में बढ़कर 9.7 हो गई.  बैंकों की संख्या में यह वृद्धि शहरों और गांवों में असमान रुप से हुई है. ग्रामीण और अर्ध-शहरी इलाकों को एक साथ मिलाकर देखें तो साल 2001 में ऐसी जगहों पर प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 5.3 थी और 2015 के जून महीने तक बढ़कर यह संख्या 7.8 हुई जबकि इसी अवधि में शहरी और महानगरीय इलाकों में प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 11.7 से बढ़कर 18.7 हो गई है.
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* साल 2006 से 2015 के बीच खातों के घनत्व यानी प्रति हजार आबादी पर खाताधारक आबादी की संख्या में पर्याप्त सुधार हुआ है. इस अवधि में खाताधारक महिलाओं की संख्या तिगुनी हुई है तो भी पुरुष खाताधारकों के घनत्व की तुलना में यह बहुत कम है. 
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*  एक तथ्य यह भी है कि जिन राज्यों में ग्रामीण आबादी तुलनात्मक रुप से ज्यादा है या तुलनात्मक रुप से जिन राज्यों में शेष राज्यों की तुलना में महिला आबादी ज्यादा है वहां लोगों को बैंकिंग सेवाओं से जोड़ने का काम कम हुआ है. 
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*  राष्ट्रीय स्तर पर देखें तो साल 2006 में प्रति हजार महिलाओं में खाताधारक महिलाओं की संख्या 143 थी जो 2010 में बढ़कर 196 हुई और 2015 के जून महीने में यह संख्या 536 पर पहुंची है. 
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*  किसी विशेष इलाके में बैंकों की संख्या में बढोत्तरी हो तो माना जा सकता है कि वहां लोगों के लिए बैकिंग सेवाओं को हासिल करना अपेक्षाकृत आसान हुआ. इलाका विशेष में बैकों की संख्या में बढोत्तरी 2006 से 2015 के बीच डेढ़ गुना हुई है. लेकिन पूर्वोत्तर के राज्य तथा बिहार, झारखंड, उत्तरप्रदेश, पश्चिम बंगाल और मध्यप्रदेश में आबादी की तुलना में बैकों की शाखाओं की संख्या में वृद्धि अपेक्षाकृत कम रही है. मार्च 2015 तक राज्यवार बेसिक सेविंग बैंक डिपॉजिट अकाउंट की संख्या(देखें उपर्युक्त लिंक) से भी संकेत मिलते हैं पूर्वोत्तर तथा पूर्वी राज्य इस मामले में शेष राज्यों की तुलना में पीछे हैं.  
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*  साल 2014 में देश की ग्रामीण आबादी का मात्र 3 फीसद हिस्सा ऐसा था जिसे अपनी कमाई का भुगतान सीधे बैंक खाते में हुआ, ब्राजील में यह तादाद 14 फीसद तथा दक्षिण अफ्रीका में यही संख्या 23 फीसद है. भारत में बैंक खाते का इस्तेमाल कम होता है इसका एक संकेत यह भी है कि तकरीबन 14 फीसद बैंकखाते 2014 में बिना गतिविधि के रहे. 
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*  भारत और वैश्विक स्तर पर केवल 2 फीसद व्यस्क आबादी के पास मोबाइल मनी अकाउंट है, उप-सहारीय अफ्रीका और केन्या में यह तादाद क्रमशः 12 फीसद और 58 फीसद है. 
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* देश के आर्थिक सर्वेक्षण रिपोर्ट 2015-16 के मुताबिक प्रधानमंत्री जन धन योजना के अंतर्गत बड़ी संख्या में खाता खुलने के बावजूद बेसिक सेविंग अकाउंटस् की संख्या ज्यादातर राज्यों में कम(46 फीसद) है. केवल 2 राज्यों, मध्यप्रदेश और छत्तीसगढ़ में यह 75 फीसद से ऊपर है. सर्वेक्षण रिपोर्ट में कहा गया है कि नीति निर्माताओं को समावेशन संबंधी भूलों के बारे में आगाह होना चाहिए जिसके वजह से बैकिंग सुविधाविहीन लाभार्थियों के खाते में प्रत्यक्ष नगदी भुगतान नहीं हो पा रहा है.
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विमुद्रीकरण के विविध पहलुओं पर केंद्रित कुछ महत्वपूर्ण जानकारियों और विद्रानों की राय के लिए कृपया निम्नलिखित लिंक देखें--
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</p>
<p class="MsoNormal">
Press release: Withdrawal of Legal Tender Status for Rs. 500
and Rs. 1000 Notes: RBI Notice, please <a href="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520" title="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520" title="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520" title="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes - Related
Links, please <a href="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270" title="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270" title="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270" title="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270">click here</a>
to access
</p>
<p class="MsoNormal">
<br />
Report of the Committee on Medium-term Path on Financial Inclusion, Reserve
Bank of India, dated 28 December, 2015, please <a href="https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf" title="RBI Report of the Committee on Medium term Path on Financial Inclusion" title="https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf" title="RBI Report of the Committee on Medium term Path on Financial Inclusion">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Economic Survey 2015-16, Volume-1, please <a href="https://im4change.in/docs/841echapter-vol1.pdf" title="http://www.im4change.org/docs/841echapter-vol1.pdf" title="https://im4change.in/docs/841echapter-vol1.pdf" title="http://www.im4change.org/docs/841echapter-vol1.pdf">click here</a> to
access <br />
<br />
</p>
<p class="MsoNormal">
Economic Survey 2015-16, Volume-2, please <a href="https://im4change.in/docs/835echapter-vol2.pdf" title="http://www.im4change.org/docs/835echapter-vol2.pdf" title="https://im4change.in/docs/835echapter-vol2.pdf" title="http://www.im4change.org/docs/835echapter-vol2.pdf">click here</a> to
access <br />
<br />
</p>
<p class="MsoNormal">
Prabhat Patnaik, economist and professor emeritus at Jawaharlal Nehru
University, interviewed by Jahnavi Sen, TheWire.in, 12 November, 2016, please <a href="https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html" title="http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html" title="https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html" title="http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Prabhat Patnaik speaks in JNU on Demonetization, SFI JNU Unit, 12 November,
2016, please <a href="https://www.youtube.com/watch?v=RlZevCgPsnY" title="https://www.youtube.com/watch?v=RlZevCgPsnY" title="https://www.youtube.com/watch?v=RlZevCgPsnY" title="https://www.youtube.com/watch?v=RlZevCgPsnY">click here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetization: Witless and Anti-People -Prabhat Patnaik, TheCitizen.in, 9
November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html" title="http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html" title="https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html" title="http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Shock and oh damn -Pronab Sen, Ideas for India, 14 November,
2016, please <a href="http://www.ideasforindia.in/article.aspx?article_id=1720" title="http://www.ideasforindia.in/article.aspx?article_id=1720" title="http://www.ideasforindia.in/article.aspx?article_id=1720" title="http://www.ideasforindia.in/article.aspx?article_id=1720">click here</a>
to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
In hunt for big sharks, livelihood of the poor becomes 
change, The Hindu, 13 November, 2016, please <a href="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true" title="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true" title="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true" title="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Demonetisation hits onion farmers, Deccan Herald, 13
November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html" title="https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html">click
here</a> to access&nbsp; 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Note demonetisation: What of the women who hide cash to feed
their children or to escape abuse? -Nishita Jha, Scroll.in, 12 November, 2016,
please <a href="https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html" title="http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html" title="https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html" title="http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation damage greater than its benefits, says Kaushik Basu -Arup
Roychoudhury, Business Standard, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html" title="http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html" title="https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html" title="http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation Fallout: Cashless Villagers Loot PDS Shop in MP's Chhatarpur
Village -Manoj Sharma, News18.com, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html" title="http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html" title="https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html" title="http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html">click
here</a> to access<br />
&nbsp;
</p>
<p class="MsoNormal">
Demonetisation hits transport business; Truckers fail to pay
-Megha Manchanda, Business Standard, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html" title="https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Dead since birth, Jan Dhan accounts now flush with cash
-Yogesh Dubey &amp; Aditya Dev, The Economic Times, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html" title="http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html" title="https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html" title="http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Why govt's demonetisation move may fail to win the war against black money
-Appu Esthose Suresh, Hindustan Times, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html" title="http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html" title="https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html" title="http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation leaves lakhs of tea, jute workers in Bengal, Northeast unpaid
-Snigdhendu Bhattacharya, Amitava Banerjee and Rahul Karmakar, Hindustan Times,
12 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html" title="http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html" title="https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html" title="http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Show me the money -Ila Patnaik, The Indian Express, 11 November, 2016, please <a href="https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html" title="http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html" title="https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html" title="http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Will Modi's big currency-scrapping gamble yield results? -Roshan Kishore,
Livemint.com, 11 November, 2016, please <a href="https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html" title="http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html" title="https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html" title="http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Rs 500 and Rs 1,000 ban: Narendra Modi govt has created 50-day hawala window
for old notes -Narayanan Madhavan, Firstpost.com, 10 November, 2016, please <a href="https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html" title="http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html" title="https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html" title="http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Modi's 'surgical strike' won't make a big difference to
black money -TT Ram Mohan, Business Standard, 10 November, 2016, please <a href="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html" title="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html" title="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html" title="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
In one stroke, demonetisation has shaken the trust our
monetary system is based on -Devangshu Datta, Scroll.in, 9 November, 2016,
please <a href="https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html" title="http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html" title="https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html" title="http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation of Rs 500 and Rs 1000 notes: Farmers fear missing out on sowing
time -Sahil Makkar, Business Standard, 9 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html" title="http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html" title="https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html" title="http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Entire speech of PM Modi announcing large notes banned, Posted by Abhishek
Chakraborty, NDTV, 8 November, 2016, please <a href="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full" title="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full" title="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full" title="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full">click
here</a> to access <br />
&nbsp;<br />
</p>
<p class="MsoNormal">
International payments industry expert Guillaume Lepecq interview by Kanika
Datta, Business Standard, 16 April, 2016, please <a href="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html" title="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html" title="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html" title="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html">click
here</a> to access
</p>
&nbsp;
<br />
<p>
&nbsp;
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	'id' => (int) 51788,
	'title' => 'नोटबंदी के साइड इफेक्टस् : सबसे ज्यादा चोट किसपर ?',
	'subheading' => '',
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?
</div>
<p align="justify">
&nbsp;
</p>
<p align="justify">
सरकारी घोषणाओं में देशवासियों से कहा गया है कि वे नगदी की तात्कालिक कमी से होने वाली असुविधा के लिए क्रेडिट कार्ड, डेबिट कार्ड, मोबाइल और इलेक्ट्रानिक वैलेट का इस्तेमाल करें. लेकिन क्या देश कैशलेस इकॉनॉमी की तरफ कदम बढ़ाने के लिए तैयार है ?
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
सवाल के किसी भी जवाब तक पहुंचने से पहले नीचे लिखे तथ्यों पर गौर करें. ये तथ्य इन्क्लूसिव मीडिया फॉर चेंज ने भारतीय रिजर्व बैंक हालिया रिपोर्ट(2015) से जुटाये हैं.
</p>
<p align="justify">
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</p>
<p align="justify">
बीते 28 दिसंबर 2015 को दीपक मोहंती की अध्यक्षता में तैयार भारतीय रिजर्व बैंक के <a href="tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf">दस्तावेज</a> रिपोर्ट ऑफ द कमिटी ऑन मिडियम टर्म पाथ ऑन फायनेन्शियल इन्क्लूजन में दर्ज तथ्यों के मुताबिक ---
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
* साल 2014 में देश के तकरीबन 50 फीसद वयस्क आबादी का एक ना एक वित्तीय संस्थान में खाता था जबकि ब्रिक्स में शामिल अन्य देशों में वित्तीय संस्थानों में खाताधारक वयस्क आबादी की संख्या 70 फीसद से ऊपर है. संयुक्त राज्य अमेरिका और ग्रेट ब्रिटेन में खाताधारक वयस्क आबादी की संख्या इससे भी ज्यादा है. 
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
*  नवीनतम् सेंसस ऑफ हाऊस लिस्टिंग एंड हाऊस सर्वे (2011) के मुताबिक साल 2001 में बैंकिंग सेवाओं का इस्तेमाल करने वाले लोगों की संख्या 35 फीसद थी जो साल 2011 में बढ़कर 59 फीसद हो गई.  
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
* साल 2014 में प्रति लाख आबादी पर देश में 18 एटीएम मौजूद थे. दक्षिण अफ्रीका में प्रतिलाख आबादी पर 65 एटीएम हैं और रुस में 180 एटीएम.देश में 15 साल और इससे ज्यादा उम्र के 10 फीसद लोग डेबिट कार्ड के जरिए भुगतान करते हैं जबकि दक्षिण अफ्रीका में 40 फीसद. असंगठित क्षेत्र के कामगार और छोटे उत्पादक तथा खुदरा दुकानदार रोजमर्रा की खरीद-बिक्री के लिए मुख्य रुप से नगदी पर निर्भर हैं.  
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
* देश में अनुसूचित व्यावसायिक बैंकों की संख्या साल 2001 में 6.4 थी जो 2015 के जून माह में बढ़कर 9.7 हो गई.  बैंकों की संख्या में यह वृद्धि शहरों और गांवों में असमान रुप से हुई है. ग्रामीण और अर्ध-शहरी इलाकों को एक साथ मिलाकर देखें तो साल 2001 में ऐसी जगहों पर प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 5.3 थी और 2015 के जून महीने तक बढ़कर यह संख्या 7.8 हुई जबकि इसी अवधि में शहरी और महानगरीय इलाकों में प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 11.7 से बढ़कर 18.7 हो गई है.
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
* साल 2006 से 2015 के बीच खातों के घनत्व यानी प्रति हजार आबादी पर खाताधारक आबादी की संख्या में पर्याप्त सुधार हुआ है. इस अवधि में खाताधारक महिलाओं की संख्या तिगुनी हुई है तो भी पुरुष खाताधारकों के घनत्व की तुलना में यह बहुत कम है. 
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
*  एक तथ्य यह भी है कि जिन राज्यों में ग्रामीण आबादी तुलनात्मक रुप से ज्यादा है या तुलनात्मक रुप से जिन राज्यों में शेष राज्यों की तुलना में महिला आबादी ज्यादा है वहां लोगों को बैंकिंग सेवाओं से जोड़ने का काम कम हुआ है. 
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
*  राष्ट्रीय स्तर पर देखें तो साल 2006 में प्रति हजार महिलाओं में खाताधारक महिलाओं की संख्या 143 थी जो 2010 में बढ़कर 196 हुई और 2015 के जून महीने में यह संख्या 536 पर पहुंची है. 
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
*  किसी विशेष इलाके में बैंकों की संख्या में बढोत्तरी हो तो माना जा सकता है कि वहां लोगों के लिए बैकिंग सेवाओं को हासिल करना अपेक्षाकृत आसान हुआ. इलाका विशेष में बैकों की संख्या में बढोत्तरी 2006 से 2015 के बीच डेढ़ गुना हुई है. लेकिन पूर्वोत्तर के राज्य तथा बिहार, झारखंड, उत्तरप्रदेश, पश्चिम बंगाल और मध्यप्रदेश में आबादी की तुलना में बैकों की शाखाओं की संख्या में वृद्धि अपेक्षाकृत कम रही है. मार्च 2015 तक राज्यवार बेसिक सेविंग बैंक डिपॉजिट अकाउंट की संख्या(देखें उपर्युक्त लिंक) से भी संकेत मिलते हैं पूर्वोत्तर तथा पूर्वी राज्य इस मामले में शेष राज्यों की तुलना में पीछे हैं.  
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
*  साल 2014 में देश की ग्रामीण आबादी का मात्र 3 फीसद हिस्सा ऐसा था जिसे अपनी कमाई का भुगतान सीधे बैंक खाते में हुआ, ब्राजील में यह तादाद 14 फीसद तथा दक्षिण अफ्रीका में यही संख्या 23 फीसद है. भारत में बैंक खाते का इस्तेमाल कम होता है इसका एक संकेत यह भी है कि तकरीबन 14 फीसद बैंकखाते 2014 में बिना गतिविधि के रहे. 
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
*  भारत और वैश्विक स्तर पर केवल 2 फीसद व्यस्क आबादी के पास मोबाइल मनी अकाउंट है, उप-सहारीय अफ्रीका और केन्या में यह तादाद क्रमशः 12 फीसद और 58 फीसद है. 
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
* देश के आर्थिक सर्वेक्षण रिपोर्ट 2015-16 के मुताबिक प्रधानमंत्री जन धन योजना के अंतर्गत बड़ी संख्या में खाता खुलने के बावजूद बेसिक सेविंग अकाउंटस् की संख्या ज्यादातर राज्यों में कम(46 फीसद) है. केवल 2 राज्यों, मध्यप्रदेश और छत्तीसगढ़ में यह 75 फीसद से ऊपर है. सर्वेक्षण रिपोर्ट में कहा गया है कि नीति निर्माताओं को समावेशन संबंधी भूलों के बारे में आगाह होना चाहिए जिसके वजह से बैकिंग सुविधाविहीन लाभार्थियों के खाते में प्रत्यक्ष नगदी भुगतान नहीं हो पा रहा है.
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
विमुद्रीकरण के विविध पहलुओं पर केंद्रित कुछ महत्वपूर्ण जानकारियों और विद्रानों की राय के लिए कृपया निम्नलिखित लिंक देखें--
</p>
<p align="justify">
&nbsp;
</p>
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<p class="MsoNormal">
Press release: Withdrawal of Legal Tender Status for Rs. 500
and Rs. 1000 Notes: RBI Notice, please <a href="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520" title="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes - Related
Links, please <a href="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270" title="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270">click here</a>
to access
</p>
<p class="MsoNormal">
<br />
Report of the Committee on Medium-term Path on Financial Inclusion, Reserve
Bank of India, dated 28 December, 2015, please <a href="tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf" title="RBI Report of the Committee on Medium term Path on Financial Inclusion">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Economic Survey 2015-16, Volume-1, please <a href="../docs/841echapter-vol1.pdf" title="http://www.im4change.org/docs/841echapter-vol1.pdf">click here</a> to
access <br />
<br />
</p>
<p class="MsoNormal">
Economic Survey 2015-16, Volume-2, please <a href="../docs/835echapter-vol2.pdf" title="http://www.im4change.org/docs/835echapter-vol2.pdf">click here</a> to
access <br />
<br />
</p>
<p class="MsoNormal">
Prabhat Patnaik, economist and professor emeritus at Jawaharlal Nehru
University, interviewed by Jahnavi Sen, TheWire.in, 12 November, 2016, please <a href="../interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html" title="http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Prabhat Patnaik speaks in JNU on Demonetization, SFI JNU Unit, 12 November,
2016, please <a href="https://www.youtube.com/watch?v=RlZevCgPsnY" title="https://www.youtube.com/watch?v=RlZevCgPsnY">click here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetization: Witless and Anti-People -Prabhat Patnaik, TheCitizen.in, 9
November, 2016, please <a href="../latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html" title="http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Shock and oh damn -Pronab Sen, Ideas for India, 14 November,
2016, please <a href="http://www.ideasforindia.in/article.aspx?article_id=1720" title="http://www.ideasforindia.in/article.aspx?article_id=1720">click here</a>
to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
In hunt for big sharks, livelihood of the poor becomes small
change, The Hindu, 13 November, 2016, please <a href="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes-small-change/article16376199.ece?homepage=true" title="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes-small-change/article16376199.ece?homepage=true">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Demonetisation hits onion farmers, Deccan Herald, 13
November, 2016, please <a href="../latest-news-updates/demonetisation-hits-onion-farmers-4680543.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html">click
here</a> to access&nbsp; 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Note demonetisation: What of the women who hide cash to feed
their children or to escape abuse? -Nishita Jha, Scroll.in, 12 November, 2016,
please <a href="../latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html" title="http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation damage greater than its benefits, says Kaushik Basu -Arup
Roychoudhury, Business Standard, 12 November, 2016, please <a href="../latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html" title="http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation Fallout: Cashless Villagers Loot PDS Shop in MP's Chhatarpur
Village -Manoj Sharma, News18.com, 12 November, 2016, please <a href="../latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html" title="http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html">click
here</a> to access<br />
&nbsp;
</p>
<p class="MsoNormal">
Demonetisation hits transport business; Truckers fail to pay
-Megha Manchanda, Business Standard, 12 November, 2016, please <a href="../latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Dead since birth, Jan Dhan accounts now flush with cash
-Yogesh Dubey &amp; Aditya Dev, The Economic Times, 12 November, 2016, please <a href="../latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html" title="http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Why govt's demonetisation move may fail to win the war against black money
-Appu Esthose Suresh, Hindustan Times, 12 November, 2016, please <a href="../latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html" title="http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation leaves lakhs of tea, jute workers in Bengal, Northeast unpaid
-Snigdhendu Bhattacharya, Amitava Banerjee and Rahul Karmakar, Hindustan Times,
12 November, 2016, please <a href="../latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html" title="http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Show me the money -Ila Patnaik, The Indian Express, 11 November, 2016, please <a href="../latest-news-updates/show-me-the-money-ila-patnaik-4680533.html" title="http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Will Modi's big currency-scrapping gamble yield results? -Roshan Kishore,
Livemint.com, 11 November, 2016, please <a href="../latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html" title="http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Rs 500 and Rs 1,000 ban: Narendra Modi govt has created 50-day hawala window
for old notes -Narayanan Madhavan, Firstpost.com, 10 November, 2016, please <a href="../latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html" title="http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Modi's 'surgical strike' won't make a big difference to
black money -TT Ram Mohan, Business Standard, 10 November, 2016, please <a href="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html" title="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
In one stroke, demonetisation has shaken the trust our
monetary system is based on -Devangshu Datta, Scroll.in, 9 November, 2016,
please <a href="../latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html" title="http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation of Rs 500 and Rs 1000 notes: Farmers fear missing out on sowing
time -Sahil Makkar, Business Standard, 9 November, 2016, please <a href="../latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html" title="http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Entire speech of PM Modi announcing large notes banned, Posted by Abhishek
Chakraborty, NDTV, 8 November, 2016, please <a href="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full" title="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full">click
here</a> to access <br />
&nbsp;<br />
</p>
<p class="MsoNormal">
International payments industry expert Guillaume Lepecq interview by Kanika
Datta, Business Standard, 16 April, 2016, please <a href="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html" title="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html">click
here</a> to access
</p>
&nbsp;
<br />
<p>
&nbsp;
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?


&nbsp;


सरकारी घोषणाओं में देशवासियों से कहा गया है कि...'
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विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?
</div>
<p align="justify">
&nbsp;
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<p align="justify">
सरकारी घोषणाओं में देशवासियों से कहा गया है कि वे नगदी की तात्कालिक कमी से होने वाली असुविधा के लिए क्रेडिट कार्ड, डेबिट कार्ड, मोबाइल और इलेक्ट्रानिक वैलेट का इस्तेमाल करें. लेकिन क्या देश कैशलेस इकॉनॉमी की तरफ कदम बढ़ाने के लिए तैयार है ?
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&nbsp;
</p>
<p align="justify">
सवाल के किसी भी जवाब तक पहुंचने से पहले नीचे लिखे तथ्यों पर गौर करें. ये तथ्य इन्क्लूसिव मीडिया फॉर चेंज ने भारतीय रिजर्व बैंक हालिया रिपोर्ट(2015) से जुटाये हैं.
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
बीते 28 दिसंबर 2015 को दीपक मोहंती की अध्यक्षता में तैयार भारतीय रिजर्व बैंक के <a href="https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf" title="https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf">दस्तावेज</a> रिपोर्ट ऑफ द कमिटी ऑन मिडियम टर्म पाथ ऑन फायनेन्शियल इन्क्लूजन में दर्ज तथ्यों के मुताबिक ---
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
* साल 2014 में देश के तकरीबन 50 फीसद वयस्क आबादी का एक ना एक वित्तीय संस्थान में खाता था जबकि ब्रिक्स में शामिल अन्य देशों में वित्तीय संस्थानों में खाताधारक वयस्क आबादी की संख्या 70 फीसद से ऊपर है. संयुक्त राज्य अमेरिका और ग्रेट ब्रिटेन में खाताधारक वयस्क आबादी की संख्या इससे भी ज्यादा है. 
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
*  नवीनतम् सेंसस ऑफ हाऊस लिस्टिंग एंड हाऊस सर्वे (2011) के मुताबिक साल 2001 में बैंकिंग सेवाओं का इस्तेमाल करने वाले लोगों की संख्या 35 फीसद थी जो साल 2011 में बढ़कर 59 फीसद हो गई.  
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
* साल 2014 में प्रति लाख आबादी पर देश में 18 एटीएम मौजूद थे. दक्षिण अफ्रीका में प्रतिलाख आबादी पर 65 एटीएम हैं और रुस में 180 एटीएम.देश में 15 साल और इससे ज्यादा उम्र के 10 फीसद लोग डेबिट कार्ड के जरिए भुगतान करते हैं जबकि दक्षिण अफ्रीका में 40 फीसद. असंगठित क्षेत्र के कामगार और छोटे उत्पादक तथा खुदरा दुकानदार रोजमर्रा की खरीद-बिक्री के लिए मुख्य रुप से नगदी पर निर्भर हैं.  
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
* देश में अनुसूचित व्यावसायिक बैंकों की संख्या साल 2001 में 6.4 थी जो 2015 के जून माह में बढ़कर 9.7 हो गई.  बैंकों की संख्या में यह वृद्धि शहरों और गांवों में असमान रुप से हुई है. ग्रामीण और अर्ध-शहरी इलाकों को एक साथ मिलाकर देखें तो साल 2001 में ऐसी जगहों पर प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 5.3 थी और 2015 के जून महीने तक बढ़कर यह संख्या 7.8 हुई जबकि इसी अवधि में शहरी और महानगरीय इलाकों में प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 11.7 से बढ़कर 18.7 हो गई है.
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
* साल 2006 से 2015 के बीच खातों के घनत्व यानी प्रति हजार आबादी पर खाताधारक आबादी की संख्या में पर्याप्त सुधार हुआ है. इस अवधि में खाताधारक महिलाओं की संख्या तिगुनी हुई है तो भी पुरुष खाताधारकों के घनत्व की तुलना में यह बहुत कम है. 
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
*  एक तथ्य यह भी है कि जिन राज्यों में ग्रामीण आबादी तुलनात्मक रुप से ज्यादा है या तुलनात्मक रुप से जिन राज्यों में शेष राज्यों की तुलना में महिला आबादी ज्यादा है वहां लोगों को बैंकिंग सेवाओं से जोड़ने का काम कम हुआ है. 
</p>
<p align="justify">
&nbsp;
</p>
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*  राष्ट्रीय स्तर पर देखें तो साल 2006 में प्रति हजार महिलाओं में खाताधारक महिलाओं की संख्या 143 थी जो 2010 में बढ़कर 196 हुई और 2015 के जून महीने में यह संख्या 536 पर पहुंची है. 
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
*  किसी विशेष इलाके में बैंकों की संख्या में बढोत्तरी हो तो माना जा सकता है कि वहां लोगों के लिए बैकिंग सेवाओं को हासिल करना अपेक्षाकृत आसान हुआ. इलाका विशेष में बैकों की संख्या में बढोत्तरी 2006 से 2015 के बीच डेढ़ गुना हुई है. लेकिन पूर्वोत्तर के राज्य तथा बिहार, झारखंड, उत्तरप्रदेश, पश्चिम बंगाल और मध्यप्रदेश में आबादी की तुलना में बैकों की शाखाओं की संख्या में वृद्धि अपेक्षाकृत कम रही है. मार्च 2015 तक राज्यवार बेसिक सेविंग बैंक डिपॉजिट अकाउंट की संख्या(देखें उपर्युक्त लिंक) से भी संकेत मिलते हैं पूर्वोत्तर तथा पूर्वी राज्य इस मामले में शेष राज्यों की तुलना में पीछे हैं.  
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
*  साल 2014 में देश की ग्रामीण आबादी का मात्र 3 फीसद हिस्सा ऐसा था जिसे अपनी कमाई का भुगतान सीधे बैंक खाते में हुआ, ब्राजील में यह तादाद 14 फीसद तथा दक्षिण अफ्रीका में यही संख्या 23 फीसद है. भारत में बैंक खाते का इस्तेमाल कम होता है इसका एक संकेत यह भी है कि तकरीबन 14 फीसद बैंकखाते 2014 में बिना गतिविधि के रहे. 
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
*  भारत और वैश्विक स्तर पर केवल 2 फीसद व्यस्क आबादी के पास मोबाइल मनी अकाउंट है, उप-सहारीय अफ्रीका और केन्या में यह तादाद क्रमशः 12 फीसद और 58 फीसद है. 
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
* देश के आर्थिक सर्वेक्षण रिपोर्ट 2015-16 के मुताबिक प्रधानमंत्री जन धन योजना के अंतर्गत बड़ी संख्या में खाता खुलने के बावजूद बेसिक सेविंग अकाउंटस् की संख्या ज्यादातर राज्यों में कम(46 फीसद) है. केवल 2 राज्यों, मध्यप्रदेश और छत्तीसगढ़ में यह 75 फीसद से ऊपर है. सर्वेक्षण रिपोर्ट में कहा गया है कि नीति निर्माताओं को समावेशन संबंधी भूलों के बारे में आगाह होना चाहिए जिसके वजह से बैकिंग सुविधाविहीन लाभार्थियों के खाते में प्रत्यक्ष नगदी भुगतान नहीं हो पा रहा है.
</p>
<p align="justify">
&nbsp;
</p>
<p align="justify">
विमुद्रीकरण के विविध पहलुओं पर केंद्रित कुछ महत्वपूर्ण जानकारियों और विद्रानों की राय के लिए कृपया निम्नलिखित लिंक देखें--
</p>
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&nbsp;
</p>
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</p>
<p class="MsoNormal">
Press release: Withdrawal of Legal Tender Status for Rs. 500
and Rs. 1000 Notes: RBI Notice, please <a href="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520" title="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520" title="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520" title="https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=38520">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes - Related
Links, please <a href="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270" title="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270" title="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270" title="https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=3270">click here</a>
to access
</p>
<p class="MsoNormal">
<br />
Report of the Committee on Medium-term Path on Financial Inclusion, Reserve
Bank of India, dated 28 December, 2015, please <a href="https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf" title="RBI Report of the Committee on Medium term Path on Financial Inclusion" title="https://im4change.in/siteadmin/tinymce/uploaded/RBI%20Report%20of%20the%20Committee%20on%20Medium%20term%20Path%20on%20Financial%20Inclusion.pdf" title="RBI Report of the Committee on Medium term Path on Financial Inclusion">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Economic Survey 2015-16, Volume-1, please <a href="https://im4change.in/docs/841echapter-vol1.pdf" title="http://www.im4change.org/docs/841echapter-vol1.pdf" title="https://im4change.in/docs/841echapter-vol1.pdf" title="http://www.im4change.org/docs/841echapter-vol1.pdf">click here</a> to
access <br />
<br />
</p>
<p class="MsoNormal">
Economic Survey 2015-16, Volume-2, please <a href="https://im4change.in/docs/835echapter-vol2.pdf" title="http://www.im4change.org/docs/835echapter-vol2.pdf" title="https://im4change.in/docs/835echapter-vol2.pdf" title="http://www.im4change.org/docs/835echapter-vol2.pdf">click here</a> to
access <br />
<br />
</p>
<p class="MsoNormal">
Prabhat Patnaik, economist and professor emeritus at Jawaharlal Nehru
University, interviewed by Jahnavi Sen, TheWire.in, 12 November, 2016, please <a href="https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html" title="http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html" title="https://im4change.in/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html" title="http://www.im4change.org/interviews/prabhat-patnaik-economist-and-professor-emeritus-at-jawaharlal-nehru-university-interviewed-by-jahnavi-sen-4680535.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Prabhat Patnaik speaks in JNU on Demonetization, SFI JNU Unit, 12 November,
2016, please <a href="https://www.youtube.com/watch?v=RlZevCgPsnY" title="https://www.youtube.com/watch?v=RlZevCgPsnY" title="https://www.youtube.com/watch?v=RlZevCgPsnY" title="https://www.youtube.com/watch?v=RlZevCgPsnY">click here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetization: Witless and Anti-People -Prabhat Patnaik, TheCitizen.in, 9
November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html" title="http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html" title="https://im4change.in/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html" title="http://www.im4change.org/latest-news-updates/demonetization-witless-and-anti-people-prabhat-patnaik-4680522.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Shock and oh damn -Pronab Sen, Ideas for India, 14 November,
2016, please <a href="http://www.ideasforindia.in/article.aspx?article_id=1720" title="http://www.ideasforindia.in/article.aspx?article_id=1720" title="http://www.ideasforindia.in/article.aspx?article_id=1720" title="http://www.ideasforindia.in/article.aspx?article_id=1720">click here</a>
to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
In hunt for big sharks, livelihood of the poor becomes 
change, The Hindu, 13 November, 2016, please <a href="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true" title="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true" title="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true" title="http://newsite.thehindu.com/news/national/In-hunt-for-big-sharks-livelihood-of-the-poor-becomes--change/article16376199.ece?homepage=true">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Demonetisation hits onion farmers, Deccan Herald, 13
November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html" title="https://im4change.in/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-onion-farmers-4680543.html">click
here</a> to access&nbsp; 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Note demonetisation: What of the women who hide cash to feed
their children or to escape abuse? -Nishita Jha, Scroll.in, 12 November, 2016,
please <a href="https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html" title="http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html" title="https://im4change.in/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html" title="http://www.im4change.org/latest-news-updates/note-demonetisation-what-of-the-women-who-hide-cash-to-feed-their-children-or-to-escape-abuse-nishita-jha-4680538.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation damage greater than its benefits, says Kaushik Basu -Arup
Roychoudhury, Business Standard, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html" title="http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html" title="https://im4change.in/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html" title="http://www.im4change.org/latest-news-updates/demonetisation-damage-greater-than-its-benefits-says-kaushik-basu-arup-roychoudhury-4680541.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation Fallout: Cashless Villagers Loot PDS Shop in MP's Chhatarpur
Village -Manoj Sharma, News18.com, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html" title="http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html" title="https://im4change.in/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html" title="http://www.im4change.org/latest-news-updates/demonetisation-fallout-cashless-villagers-loot-pds-shop-in-mp039s-chhatarpur-village-manoj-sharma-4680540.html">click
here</a> to access<br />
&nbsp;
</p>
<p class="MsoNormal">
Demonetisation hits transport business; Truckers fail to pay
-Megha Manchanda, Business Standard, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html" title="https://im4change.in/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html" title="http://www.im4change.org/latest-news-updates/demonetisation-hits-transport-business-truckers-fail-to-pay-megha-manchanda-4680547.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Dead since birth, Jan Dhan accounts now flush with cash
-Yogesh Dubey &amp; Aditya Dev, The Economic Times, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html" title="http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html" title="https://im4change.in/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html" title="http://www.im4change.org/latest-news-updates/dead-since-birth-jan-dhan-accounts-now-flush-with-cash-yogesh-dubey-aditya-dev-4680542.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Why govt's demonetisation move may fail to win the war against black money
-Appu Esthose Suresh, Hindustan Times, 12 November, 2016, please <a href="https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html" title="http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html" title="https://im4change.in/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html" title="http://www.im4change.org/latest-news-updates/why-govt039s-demonetisation-move-may-fail-to-win-the-war-against-black-money-appu-esthose-suresh-4680537.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation leaves lakhs of tea, jute workers in Bengal, Northeast unpaid
-Snigdhendu Bhattacharya, Amitava Banerjee and Rahul Karmakar, Hindustan Times,
12 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html" title="http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html" title="https://im4change.in/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html" title="http://www.im4change.org/latest-news-updates/demonetisation-leaves-lakhs-of-tea-jute-workers-in-bengal-northeast-unpaid-snigdhendu-bhattacharya-amitava-banerjee-and-rahul-karmakar-4680536.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Show me the money -Ila Patnaik, The Indian Express, 11 November, 2016, please <a href="https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html" title="http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html" title="https://im4change.in/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html" title="http://www.im4change.org/latest-news-updates/show-me-the-money-ila-patnaik-4680533.html">click
here</a> to access<br />
<br />
</p>
<p class="MsoNormal">
Will Modi's big currency-scrapping gamble yield results? -Roshan Kishore,
Livemint.com, 11 November, 2016, please <a href="https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html" title="http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html" title="https://im4change.in/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html" title="http://www.im4change.org/latest-news-updates/will-modi039s-big-currency-scrapping-gamble-yield-results-roshan-kishore-4680532.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Rs 500 and Rs 1,000 ban: Narendra Modi govt has created 50-day hawala window
for old notes -Narayanan Madhavan, Firstpost.com, 10 November, 2016, please <a href="https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html" title="http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html" title="https://im4change.in/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html" title="http://www.im4change.org/latest-news-updates/rs-500-and-rs-1000-ban-narendra-modi-govt-has-created-50-day-hawala-window-for-old-notes-narayanan-madhavan-4680530.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
Modi's 'surgical strike' won't make a big difference to
black money -TT Ram Mohan, Business Standard, 10 November, 2016, please <a href="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html" title="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html" title="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html" title="http://www.business-standard.com/article/opinion/t-t-ram-mohan-yes-it-s-only-a-surgical-strike-116110901685_1.html">click
here</a> to access 
</p>
<p class="MsoNormal">
&nbsp;
</p>
<p class="MsoNormal">
In one stroke, demonetisation has shaken the trust our
monetary system is based on -Devangshu Datta, Scroll.in, 9 November, 2016,
please <a href="https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html" title="http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html" title="https://im4change.in/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html" title="http://www.im4change.org/latest-news-updates/in-one-stroke-demonetisation-has-shaken-the-trust-our-monetary-system-is-based-on-devangshu-datta-4680523.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Demonetisation of Rs 500 and Rs 1000 notes: Farmers fear missing out on sowing
time -Sahil Makkar, Business Standard, 9 November, 2016, please <a href="https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html" title="http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html" title="https://im4change.in/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html" title="http://www.im4change.org/latest-news-updates/demonetisation-of-rs-500-and-rs-1000-notes-farmers-fear-missing-out-on-sowing-time-sahil-makkar-4680544.html">click
here</a> to access <br />
<br />
</p>
<p class="MsoNormal">
Entire speech of PM Modi announcing large notes banned, Posted by Abhishek
Chakraborty, NDTV, 8 November, 2016, please <a href="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full" title="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full" title="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full" title="http://www.ndtv.com/india-news/read-entire-speech-of-pm-modi-announcing-large-notes-banned-1622990?site=full">click
here</a> to access <br />
&nbsp;<br />
</p>
<p class="MsoNormal">
International payments industry expert Guillaume Lepecq interview by Kanika
Datta, Business Standard, 16 April, 2016, please <a href="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html" title="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html" title="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html" title="http://www.business-standard.com/article/economy-policy/cashless-transactions-are-not-always-cheaper-guillaume-lepecq-116041600614_1.html">click
here</a> to access
</p>
&nbsp;
<br />
<p>
&nbsp;
</p>'
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$site_title = 'im4change'
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Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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नोटबंदी के साइड इफेक्टस् : सबसे ज्यादा चोट किसपर ?

विमुद्रीकरण से मची अफरा-तफरी के बीच क्या देश इस हालत में है कि रोजमर्रा की चीजों की खरीद के लिए सरकारी घोषणाओं के मुताबिक बैंकों और एटीएम से नगदी जुटा सके ?   सरकारी घोषणाओं में देशवासियों से कहा गया है कि वे नगदी की तात्कालिक कमी से होने वाली असुविधा के लिए क्रेडिट कार्ड, डेबिट कार्ड, मोबाइल और इलेक्ट्रानिक वैलेट का इस्तेमाल करें. लेकिन क्या देश कैशलेस इकॉनॉमी की तरफ कदम बढ़ाने के लिए तैयार है ?   सवाल के किसी भी जवाब तक पहुंचने से पहले नीचे लिखे तथ्यों पर गौर करें. ये तथ्य इन्क्लूसिव मीडिया फॉर चेंज ने भारतीय रिजर्व बैंक हालिया रिपोर्ट(2015) से जुटाये हैं.   बीते 28 दिसंबर 2015 को दीपक मोहंती की अध्यक्षता में तैयार भारतीय रिजर्व बैंक के दस्तावेज रिपोर्ट ऑफ द कमिटी ऑन मिडियम टर्म पाथ ऑन फायनेन्शियल इन्क्लूजन में दर्ज तथ्यों के मुताबिक ---   * साल 2014 में देश के तकरीबन 50 फीसद वयस्क आबादी का एक ना एक वित्तीय संस्थान में खाता था जबकि ब्रिक्स में शामिल अन्य देशों में वित्तीय संस्थानों में खाताधारक वयस्क आबादी की संख्या 70 फीसद से ऊपर है. संयुक्त राज्य अमेरिका और ग्रेट ब्रिटेन में खाताधारक वयस्क आबादी की संख्या इससे भी ज्यादा है.   * नवीनतम् सेंसस ऑफ हाऊस लिस्टिंग एंड हाऊस सर्वे (2011) के मुताबिक साल 2001 में बैंकिंग सेवाओं का इस्तेमाल करने वाले लोगों की संख्या 35 फीसद थी जो साल 2011 में बढ़कर 59 फीसद हो गई.   * साल 2014 में प्रति लाख आबादी पर देश में 18 एटीएम मौजूद थे. दक्षिण अफ्रीका में प्रतिलाख आबादी पर 65 एटीएम हैं और रुस में 180 एटीएम.देश में 15 साल और इससे ज्यादा उम्र के 10 फीसद लोग डेबिट कार्ड के जरिए भुगतान करते हैं जबकि दक्षिण अफ्रीका में 40 फीसद. असंगठित क्षेत्र के कामगार और छोटे उत्पादक तथा खुदरा दुकानदार रोजमर्रा की खरीद-बिक्री के लिए मुख्य रुप से नगदी पर निर्भर हैं.   * देश में अनुसूचित व्यावसायिक बैंकों की संख्या साल 2001 में 6.4 थी जो 2015 के जून माह में बढ़कर 9.7 हो गई. बैंकों की संख्या में यह वृद्धि शहरों और गांवों में असमान रुप से हुई है. ग्रामीण और अर्ध-शहरी इलाकों को एक साथ मिलाकर देखें तो साल 2001 में ऐसी जगहों पर प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 5.3 थी और 2015 के जून महीने तक बढ़कर यह संख्या 7.8 हुई जबकि इसी अवधि में शहरी और महानगरीय इलाकों में प्रति लाख आबादी पर अनुसूचित व्यावसायिक बैंकों की संख्या 11.7 से बढ़कर 18.7 हो गई है.   * साल 2006 से 2015 के बीच खातों के घनत्व यानी प्रति हजार आबादी पर खाताधारक आबादी की संख्या में पर्याप्त सुधार हुआ है. इस अवधि में खाताधारक महिलाओं की संख्या तिगुनी हुई है तो भी पुरुष खाताधारकों के घनत्व की तुलना में यह बहुत कम है.   * एक तथ्य यह भी है कि जिन राज्यों में ग्रामीण आबादी तुलनात्मक रुप से ज्यादा है या तुलनात्मक रुप से जिन राज्यों में शेष राज्यों की तुलना में महिला आबादी ज्यादा है वहां लोगों को बैंकिंग सेवाओं से जोड़ने का काम कम हुआ है.   * राष्ट्रीय स्तर पर देखें तो साल 2006 में प्रति हजार महिलाओं में खाताधारक महिलाओं की संख्या 143 थी जो 2010 में बढ़कर 196 हुई और 2015 के जून महीने में यह संख्या 536 पर पहुंची है.   * किसी विशेष इलाके में बैंकों की संख्या में बढोत्तरी हो तो माना जा सकता है कि वहां लोगों के लिए बैकिंग सेवाओं को हासिल करना अपेक्षाकृत आसान हुआ. इलाका विशेष में बैकों की संख्या में बढोत्तरी 2006 से 2015 के बीच डेढ़ गुना हुई है. लेकिन पूर्वोत्तर के राज्य तथा बिहार, झारखंड, उत्तरप्रदेश, पश्चिम बंगाल और मध्यप्रदेश में आबादी की तुलना में बैकों की शाखाओं की संख्या में वृद्धि अपेक्षाकृत कम रही है. मार्च 2015 तक राज्यवार बेसिक सेविंग बैंक डिपॉजिट अकाउंट की संख्या(देखें उपर्युक्त लिंक) से भी संकेत मिलते हैं पूर्वोत्तर तथा पूर्वी राज्य इस मामले में शेष राज्यों की तुलना में पीछे हैं.   * साल 2014 में देश की ग्रामीण आबादी का मात्र 3 फीसद हिस्सा ऐसा था जिसे अपनी कमाई का भुगतान सीधे बैंक खाते में हुआ, ब्राजील में यह तादाद 14 फीसद तथा दक्षिण अफ्रीका में यही संख्या 23 फीसद है. भारत में बैंक खाते का इस्तेमाल कम होता है इसका एक संकेत यह भी है कि तकरीबन 14 फीसद बैंकखाते 2014 में बिना गतिविधि के रहे.   * भारत और वैश्विक स्तर पर केवल 2 फीसद व्यस्क आबादी के पास मोबाइल मनी अकाउंट है, उप-सहारीय अफ्रीका और केन्या में यह तादाद क्रमशः 12 फीसद और 58 फीसद है.   * देश के आर्थिक सर्वेक्षण रिपोर्ट 2015-16 के मुताबिक प्रधानमंत्री जन धन योजना के अंतर्गत बड़ी संख्या में खाता खुलने के बावजूद बेसिक सेविंग अकाउंटस् की संख्या ज्यादातर राज्यों में कम(46 फीसद) है. केवल 2 राज्यों, मध्यप्रदेश और छत्तीसगढ़ में यह 75 फीसद से ऊपर है. सर्वेक्षण रिपोर्ट में कहा गया है कि नीति निर्माताओं को समावेशन संबंधी भूलों के बारे में आगाह होना चाहिए जिसके वजह से बैकिंग सुविधाविहीन लाभार्थियों के खाते में प्रत्यक्ष नगदी भुगतान नहीं हो पा रहा है.   विमुद्रीकरण के विविध पहलुओं पर केंद्रित कुछ महत्वपूर्ण जानकारियों और विद्रानों की राय के लिए कृपया निम्नलिखित लिंक देखें--   Press release: Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes: RBI Notice, please click here to access Withdrawal of Legal Tender Status for Rs. 500 and Rs. 1000 Notes - Related Links, please click here to access Report of the Committee on Medium-term Path on Financial Inclusion, Reserve Bank of India, dated 28 December, 2015, please click here to access Economic Survey 2015-16, Volume-1, please click here to access Economic Survey 2015-16, Volume-2, please click here to access Prabhat Patnaik, economist and professor emeritus at Jawaharlal Nehru University, interviewed by Jahnavi Sen, TheWire.in, 12 November, 2016, please click here to access Prabhat Patnaik speaks in JNU on Demonetization, SFI JNU Unit, 12 November, 2016, please click here to access Demonetization: Witless and Anti-People -Prabhat Patnaik, TheCitizen.in, 9 November, 2016, please click here to access   Shock and oh damn -Pronab Sen, Ideas for India, 14 November, 2016, please click here to access   In hunt for big sharks, livelihood of the poor becomes change, The Hindu, 13 November, 2016, please click here to access   Demonetisation hits onion farmers, Deccan Herald, 13 November, 2016, please click here to access    Note demonetisation: What of the women who hide cash to feed their children or to escape abuse? -Nishita Jha, Scroll.in, 12 November, 2016, please click here to access Demonetisation damage greater than its benefits, says Kaushik Basu -Arup Roychoudhury, Business Standard, 12 November, 2016, please click here to access Demonetisation Fallout: Cashless Villagers Loot PDS Shop in MP's Chhatarpur Village -Manoj Sharma, News18.com, 12 November, 2016, please click here to access   Demonetisation hits transport business; Truckers fail to pay -Megha Manchanda, Business Standard, 12 November, 2016, please click here to access   Dead since birth, Jan Dhan accounts now flush with cash -Yogesh Dubey & Aditya Dev, The Economic Times, 12 November, 2016, please click here to access Why govt's demonetisation move may fail to win the war against black money -Appu Esthose Suresh, Hindustan Times, 12 November, 2016, please click here to access Demonetisation leaves lakhs of tea, jute workers in Bengal, Northeast unpaid -Snigdhendu Bhattacharya, Amitava Banerjee and Rahul Karmakar, Hindustan Times, 12 November, 2016, please click here to access Show me the money -Ila Patnaik, The Indian Express, 11 November, 2016, please click here to access Will Modi's big currency-scrapping gamble yield results? -Roshan Kishore, Livemint.com, 11 November, 2016, please click here to access Rs 500 and Rs 1,000 ban: Narendra Modi govt has created 50-day hawala window for old notes -Narayanan Madhavan, Firstpost.com, 10 November, 2016, please click here to access   Modi's 'surgical strike' won't make a big difference to black money -TT Ram Mohan, Business Standard, 10 November, 2016, please click here to access   In one stroke, demonetisation has shaken the trust our monetary system is based on -Devangshu Datta, Scroll.in, 9 November, 2016, please click here to access Demonetisation of Rs 500 and Rs 1000 notes: Farmers fear missing out on sowing time -Sahil Makkar, Business Standard, 9 November, 2016, please click here to access Entire speech of PM Modi announcing large notes banned, Posted by Abhishek Chakraborty, NDTV, 8 November, 2016, please click here to access   International payments industry expert Guillaume Lepecq interview by Kanika Datta, Business Standard, 16 April, 2016, please click here to access