IMPACT OF FINANCIAL INCLUSION SCHEMES ON LIVES AMONG TRIBAL POPULATION IN KODAGU DISTRICT IN KARNATAKA

Abstract

The study focuses on various aspects of financial literacy among the tribal population of Kodagu district in Karnataka. The primary data is collected through survey methods, employing an interview schedule, supplemented by an extensive review of existing literature. The key parameters of the study are ; socio-economic distribution, awareness of income- generating schemes initiated by the government, utilization of financial schemes and services, and the overall impact of these initiatives on the lives of tribal communities in Kodagu district. The research is based on a combination of primary data and secondary data sources. The study reveals that the majority of the respondents from the tribal population are male, with labour being their predominant occupation. A significant proportion of the community remains unaware of government-supported income-generating schemes, and the utilization of available financial schemes and services is relatively low. The analysis further indicates that awareness levels have a direct influence on the effectiveness and impact of these schemes on the socio-economic conditions of the tribal households.