from Guru Arjan Dev Institute of Development Studies
Registration deadline: 22 Nov 2018 Training date: 23 Nov 2018 to 24 Nov 2018 More Information

Dear Sir/Mam

Very good morning Guru Arjan Dev Institute of Development Studies (IDSAsr), Amritsar has planned to organize two days 9th IDSAsr National Seminar on the theme Financial Inclusion in the Digital Economy in the last week of November 2018 ( November 23-24, 2018 tentatively). Seminar aimed to reorient the process of financial inclusions towards sustainability, which in turn had the potential to impact the way people think. This idea abstract when compared to more tangible goals such as eradicating polio. But the truth is that lacking access to a bank account has a very real consequence: It makes it much more expensive to be poor. Millions of families live on the border between self-sufficiency and destitution, and financial exclusion pushes them in the wrong direction.

That’s why the government of India has set the goal of establishing a banking outlet in every village. People without access to a bank account have to save in physical assets, such as cash, livestock, or jewellery. Cash gets spent, animals die, and jewellery can be lost or stolen. What’s more, these forms of savings earn no interest and can actually lose value over time. To send money to family, those without a bank account have to rely on couriers or friends who carry cash by bus, which is expensive, insecure, and slow. To borrow money in an emergency, they must turn to moneylenders who charge notoriously high interest rates. Digital accounts help fix these problems. Farmers can save their harvest proceeds in interest-bearing accounts, making it more likely that there will be enough left to buy seeds when planting season comes around. Migrant labourers can send money back home inexpensively and safely with the click of a button. Bank accounts also help poor people join the mainstream economy. Not only do they connect the poor to formal financial institutions, but they also make it easier to exchange payments with electricity companies, government agencies, and other basic service providers. Over time, these transactions leave a digital footprint that functions as a kind of financial history, which can help the poor qualify for affordable loans.

The seminar will help to equip people with knowledge of and skills making them more competent and confident while at the same time increasing their opportunities for leading a healthy and productive lifestyle in harmony with nature and with concern for social values, gender equity and cultural diversity. Contributions of all the players in the field are of utmost importance. Keeping in view once vast expertise in their own field, all are requested to please contribute your thought provoking paper for presentation and discussion at the seminar.

All interested are requested to submit their full length papers before October 2018 end. But ensure your ABSTRACT before August 31, 2018.However, early submission will help us to plan its publication schedule in a better manner. We also encourage remote submission who cannot present their papers personally. They have to submit their presentation through ppt-mode of not more than 20 slides along with the full paper. Meanwhile you are requested to favour us with the tentative title of your paper along with authorship and it’s abstract in 300 words. Also gave wide publicity of the event in your network. Further detail will be sent to all interested in the event. A line in confirmation at will be highly appreciated

With warm personal regards

Dr Gursharan Singh Kainth


Guru Arjan Dev Institute of Development Studies

14-Preet Avenue, Majitha Road PO Naushera,

Amritsar 143008

M No 91- 9914703461 Tel. No 91-183-5171461

website: email Ids:

Fee information:
RS 3000 per delegates for Indian delegates and 350US Dollars from abrad
How to register:

All delegates have to register with 9th IDSAsr Seminar Secretariat to enable us to serve you better. The registration fee details (excluding travel) are as follows:
Early bird registration on or before 31st October 2018
Late/on spot registration
Indian (Rs)
Indian (Rs)
Professional delegates
Student delegates
* The conference registration fee includes conference kit, lunch, dinner and coffee at the conference venue. No accommodation will be provided for late/on the spot registration. Accompanying person will be charged as a delegate. Children below 10 yrs will be exempted from delegates’ fee.