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There is a touch of irony in India's growth story. Jobs in the government, private and public sector are limited and restricted to the educated. At the same time, the informal economy in India is growing at a fast rate, employing 93 per cent of the labour force in the country. But informal economy workers, who contribute 63 per cent of the gdp, still cannot benefit from the additional wealth they have contributed to generate.

Why? That's because they do not have access to credit to take advantage of economic opportunities.