Passage

Vast numbers of Indian citizens without bank accounts live in rural areas, are financially and functionally illiterate, and have little experience with technology. A research study was conducted in a particular area in which electronic wage payments in Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS) are meant to go directly to the poor. It was observed that recipients often assume that the village leader needs to mediate the process, as was the case under the previous paper-based system. Among households under this research study area who claimed to have at least one bank account, over a third reported still receiving MGNREGS wages in cash directly from a village leader.

QUESTION

CSAT

Easy

Comprehension

Prelims 2015

What is the most logical, rational, and crucial message that is implied in the above passage?

Select an option to attempt

Explanation

Statement A is incorrect because the passage does not suggest restricting MGNREGS to bank account holders; it highlights the need for broader financial literacy and access.

Statement B is incorrect because the passage does not claim the paper-based system is more efficient but reveals challenges with implementing electronic payments in rural areas.

Statement C is incorrect because the passage implies that the goal of electronic payments was to reduce mediation by village leaders, not to maintain it as with the paper-based system.

Statement D is correct because the passage highlights the rural poor's lack of financial literacy and technological experience, suggesting that improving financial literacy is crucial for effective MGNREGS implementation.

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