Policy should aim to bolster the well-being of job losers through retraining and  BIS Review 47/2005  1  unemployment insurance, not to stave off job loss through counterproductive efforts to impede the process of income-enhancing international trade and globalization.
There are signs of financial inclusion graduating from a policy obligation to a business proposition. The concern, however, remains that still a large number of people remain excluded. For instance, formal credit to small and marginal farmers and small business units continue to be limited. Consequently, rural indebtedness from non-institutional sources among these farmers continues to be high.