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Learning Resource Centre Monthly Bulletin |
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Learning Resource Centre Monthly Bulletin |
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| New Books |
 Ebook: RM125 Rural Credit in Western India 1875-1930 By I. J. Catanach |  Ebook: RM126 Earning and Spending in Rural India By E. Karthikeyan |  Ebook: RM127 Ecosystems As Models for Restoring Our Economies By John H. Giordanengo |
| Click Here to learn about the Recent Books added to our collection on different topics of Management. |
| Articles |
| From Claims to Care and Choice: Leveraging AI and Behavioural Design to Transform Health Insurance in Rural India. By Agrawal, Sonal Journal of the Insurance Institute of India. Oct-Dec2025, Vol. 13 Issue 2, p66-71. 6p. Abstract :This paper explores how artificial intelligence (AI) and behavioural design are transforming health insurance delivery and uptake in rural India. With insurance penetration in India at just 3.7% of GDP--far below the global average--Tier 2--4 regions remain vastly underinsured. The paper analyses how AI enables personalized underwriting, predictive care, and fraud detection, while behavioural strategies--such as gamification, vernacular interfaces, and nudges--boost awareness and engagement. Drawing from case studies of Pradhan Mantri Jan Aarogya Yojana (PM-JAY), Ayushman Bharat Health Account (ABHA), MicroNsure, and private InsurTechs like Artivatic, it presents a model where insurance shifts from a reactive claims process to a proactive care and choice-driven service. Key findings highlight the importance of integrating AI with culturally sensitive design and supportive policy frameworks. The study concludes that reaching India`s next 500 million insured citizens requires a synergistic approach that combines smart technology, human-centered design, and grassroots trust-building. [ABSTRACT FROM AUTHOR] | |||
| A Study On Digital Literacy And Financial Inclusion In Rural India. By V., Rajiv Kumar;Ravikumar Advances in Consumer Research. Jan2026, Vol. 3 Issue 1, p1318-1326. 9p. Abstract :Digitalization is the common usage of the Government as it spreads across all the walks of human life. From a Vegetable Vendor to an Income tax payer use the new way of making their payments digital. Digital literacy has become a need of the hour since the onset of De - monetization. A systematic random sampling study was done among a group of villagers to evaluate the usage of digital services and to make financial payments online. This study is mainly to understand the various factors that hinder the active use of financial services. It also focused on how digital literacy is away forward to Financial Inclusion. The findings of the study suggest that external forces like arrival of new digital services, demonetization and the internal factors like lack of knowledge in using digital devices and new payments methods, cost of digital devices contribute to the financial exclusion. It is found that there is much more need to increase the financial and digital literacy among rural people. Even though Government takes various measures to increase and enhance the digital literacy and bring Financial Inclusion in rural India, changes must be introduced in creating awareness in order to make sure that benefits of financial services reach the intended targeted group of society. Government should take the necessary steps to induce people in the usage of digital facilities and making it easily accessible to the rural population of India. [ABSTRACT FROM AUTHOR] | |||
| From a Cash-heavy to a Cashless Economy: How UPI Is Revolutionizing Rural India’s Ease-of-doing Business. By Kumar Sahu, Pritish;Chakraborty, Anwesha;Banerjee, Pratyush Vikalpa: The Journal for Decision Makers. Nov2025, p1. Abstract : Digital payments have emerged as the predominant payment method in India since the introduction of the unified payments interface (UPI) in 2016. This study investigates how this digital transformation has impacted the ease-of-doing business for people residing in rural India. We conduct a computational thematic analysis using a topic modelling technique to analyse unstructured feedback given by sole-ownership-type entrepreneurs operating in the unorganized labour market in rural India to identify the beneficial aspects of UPI on their businesses. The analysis reveals that UPI users appreciate the ease of transactions, unconstrained access to funds, wider reach of customers and transparent monetary transactions.Digital payments have emerged as the predominant method of payment in India since the introduction of the unified payments interface (UPI) in 2016. India has been traditionally a cash-heavy economy, and Indian businesspeople have been accustomed to drawing cash from banks or ATMs to conduct transactions. India does not boast a robust banking system in its rural corners. This creates huge inconvenience among rural traders to execute financial transactions due to a lack of funds. The advent of UPI has brought about a significant change to the professional activities of rural Indians. This study undertakes a scoping investigation of the extent to which this digital transformation has impacted the ease-of-doing business for people residing in rural areas of India. We conducted a computational thematic analysis through semi-structured interviews with 801 UPI users in rural locations of India, utilizing the topic modelling technique latent Dirichlet allocation. This approach is intended to address the issue of credibility that is commonly cited as a major drawback of qualitative research designs. The primary objective was to comprehend the major issues shared by the users regarding their UPI experience with regard to their business-related transactions. The analysis reveals that businesspeople from rural India who have been using UPI appreciate the ease of transactions facilitated by this technology and are content with the benefits it offers to entrepreneurs and workers in the unorganized sector. In terms of ease-of-doing business, the findings revealed that the major benefits were in terms of leveraging more transactions with tourists, which were earlier declined due to a lack of cash, more transparency of transactions, speed of transaction and reduced reliance on middlemen. However, the participants also expressed concerns about security issues and challenges arising from inadequate infrastructure, lack of a legal framework to safeguard against such type of malicious attacks and the potential for fraud. [ABSTRACT FROM AUTHOR] | |||
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| News |
| Railways powers rural economy, local products get ₹162 crore market at stations By The Economic Times; Sep 3 2026 |
| ‘Mission Samarthya’ brings smart learning to rural classrooms in Rajasthan’s Baran By Hindustan Times: Sep 3 2026 |
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