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This book is the product of a study conducted by the Tata Institute of Social Sciences (TISS) in collaboration with the United Nations Development Programme (UNDP) and Ministry of Urban Housing and Poverty Alleviation (MoHUPA). Its objective is to highlight some of the problems faced by street vendors in conducting their daily business and to examine how financial institutions, especially those in the banking sector, can include street vendors in their credit policies. Data was collected from 15 cities across the country. Not surprisingly, while issues such as public space utilisation have been deliberated upon at length, those concerning the nature of credit transactions and concurrently the financial inclusion of street vendors have scarcely received focussed attention. In the absence of formal credit, street vendors largely depend on loan sharks, who charge high interest rates ranging from 350% to 800% per annum.  The problem of formal credit aside, another equally important factor is the inflexible attitude of the civic authorities towards street vending. Given their informal status, this is particularly apparent because they are forced to conduct business in the absence of legal protection, making them vulnerable to rent seeking by the authorities. The acceptance of the National Policy for Urban Street Vendors by a few states and the subsequent bill to protect the livelihood of street vendors should help them gain legitimacy and subsequently credit to run their businesses at proper rates. The book examines and analyses these issues. .

India -- Economic conditions -- 21st century. --- India -- Social conditions. --- Moneylenders -- India. --- Street vendors -- India. --- Business & Economics --- Economic Theory --- Financial exclusion -- India. --- Street vendors. --- Vending stands. --- Urban economics. --- Cities and towns --- City economics --- Economics of cities --- Market stalls --- Roadside stands --- Sidewalk vending --- Stalls, Market --- Stalls, Vending --- Stands, Roadside --- Stands, Vending --- Vending stalls --- Vendor stalls --- Vendor stands --- Street people (Street vendors) --- Vendors, Street --- Economic aspects --- Finance. --- Public finance. --- Labor economics. --- Development economics. --- Economics. --- Development Economics. --- Labor Economics. --- Finance, general. --- Public Economics. --- Economics --- Retail trade --- Street vendors --- Merchants --- Peddlers --- Vending stands --- Cameralistics --- Public finance --- Currency question --- Funding --- Funds --- Economic development --- Public finances --- 2000-2099 --- India --- India. --- Economic conditions --- Bharat --- Bhārata --- Government of India --- Ḣindiston Respublikasi --- Inde --- Indi --- Indien --- Indii͡ --- Indland --- Indo --- Republic of India --- Sāthāranarat ʻIndīa --- Yin-tu

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This book is the product of a study conducted by the Tata Institute of Social Sciences (TISS) in collaboration with the United Nations Development Programme (UNDP) and Ministry of Urban Housing and Poverty Alleviation (MoHUPA). Its objective is to highlight some of the problems faced by street vendors in conducting their daily business and to examine how financial institutions, especially those in the banking sector, can include street vendors in their credit policies. Data was collected from 15 cities across the country. Not surprisingly, while issues such as public space utilisation have been deliberated upon at length, those concerning the nature of credit transactions and concurrently the financial inclusion of street vendors have scarcely received focussed attention. In the absence of formal credit, street vendors largely depend on loan sharks, who charge high interest rates ranging from 350% to 800% per annum.  The problem of formal credit aside, another equally important factor is the inflexible attitude of the civic authorities towards street vending. Given their informal status, this is particularly apparent because they are forced to conduct business in the absence of legal protection, making them vulnerable to rent seeking by the authorities. The acceptance of the National Policy for Urban Street Vendors by a few states and the subsequent bill to protect the livelihood of street vendors should help them gain legitimacy and subsequently credit to run their businesses at proper rates. The book examines and analyses these issues. .

Methodology of economics --- Labour economics --- Public finance --- Finance --- Public economics --- Economic conditions. Economic development --- Developing countries: economic development problems --- Economics --- Financial law --- Investment management --- Business management --- Business economics --- financieel management --- bedrijfseconomie --- economie --- ontwikkelingssamenwerking --- armoede --- arbeid --- investeringen --- financiën --- overheidsfinanciën --- bankwezen --- financieel recht

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The book explores the debates surrounding sustainable livelihood in the neoliberal era effected through transformation of the nature of work and the role of institutions, particularly in the Global South. By creating gainful work and employment opportunities through formal and informal institutions using progressive instruments and innovations within rural and urban economies, livelihood becomes ‘sustainable’, thereby reducing inequality and increasing resilience among households. Based on both theoretical and empirical studies from Asia and Africa, the book establishes the relationship between three broad concepts – work, institutions and sustainable development. The content has been divided into three broad sections: Rural Economy and Its Transformations; Urbanisation and Sustainable Livelihood; and Innovations and Instruments of Transformation. This book is a valuable resource for scholars of development studies, rural and urban studies, labour studies besides economics, sociology, political science and policymaking.

Sociology of work --- International relations. Foreign policy --- Politics --- Economic order --- Economic policy and planning (general) --- Industrial economics --- Economic conditions. Economic development --- Development aid. Development cooperation --- Developing countries: economic development problems --- International economic relations --- Economics --- Civil engineering. Building industry --- internationale economische politiek --- ontwikkelingsbeleid --- sociologie --- economie --- industrie --- politiek --- ontwikkelingssamenwerking --- arbeid --- economische ontwikkelingen --- internationale economie --- duurzame ontwikkeling --- ontwikkelingspolitiek