• UJJAL BHUYAN

The Directive principles of State policy embodied in Part IV of the Indian Constitution expresses India as a welfare state. A welfare state is based on the principles of equality of opportunities, equitable distribution of wealth and public responsibility for those unable to avail themselves of the minimal provisions of a good life. So, sticking to these principles of a welfare state would demand an inclusive system, which reduces the gaps in existing inequalities by ensuring equal participation of all. The concept of inclusive growth is often referred to as growth with equal opportunities for all. The tea plantations in Assam assume a special importance not only as a major foreign exchange earner of the state but its contribution is also significant in terms of employment that it provides. There are around 850 tea gardens in the state employing around 10 Lakh workers. But the socio-economic condition of these workers is quite deplorable. Inability to access financial services is one of the major reasons behind it. There are various demand and supply side factors contributing to this ability. The paper discusses role of perception, an important demand side factor affecting financial inclusion, of Tea workers in availing of various financial services.

Welfare state, inclusive, deplorable, growth etc.

"A STUDY ON THE ROLE OF PERCEPTION ON FINANCIAL INCLUSION OF TEA GARDEN WORKERS IN DIBRUGARH DISTRICT OF ASSAM", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 6, page no.304-308, June-2019, Available :http://www.jetir.org/papers/JETIR1906478.pdf

"A STUDY ON THE ROLE OF PERCEPTION ON FINANCIAL INCLUSION OF TEA GARDEN WORKERS IN DIBRUGARH DISTRICT OF ASSAM", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 6, page no. pp304-308, June-2019, Available at : http://www.jetir.org/papers/JETIR1906478.pdf