.........Having said this, one cannot overlook the fact that jumping in at the deep end of the pool is also a way to learn swimming — albeit a dangerous way. One can learn from the SEWA experience. Focus on savings, not credit. Be extremely discerning about when to give credit. Succumbing to the lure of showcase credit figures would be a disaster. Spreading financial awareness is more important than creating infrastructure to impart these services. As such they are mutually exclusive events, but the importance of the former should not be undermined. Involve NGOs to spread awareness. A RuPay debit card, heavy on technology, would be a problem in a rural village than help, without the Do’s and Dont’s clearly hammered.
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