During our visit to kirana stores

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During our visit to kirana stores

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canada goose coats on sale In the first part of this India Spend feature, spoke to small business owners near canada goose Mumbai to understand how demonetisation has affected their trade a year after Prime Minister Narendra D Modi outlawed Rs 500 and Rs 1,000 currency notes.In this concluding segment of the feature, she discovers that Modi’s appeal to this constituency remains largely intact despite the hardships they have endured.”Who wants to get their hopes high? Anytime the government can canada goose black friday sale decide anything it wants we are left with no choice but to just deal with it,” said Narayan Chaudhari, a shopkeeper in the Canada Goose sale Ghodbunder area canada goose coats on sale of Thane, who reported over 50 per cent losses.”Only big businesses can survive in this climate,” he said, a common refrain across stores canada goose clearance sale in the urbanised parts of Palghar, Thane and Mumbai districts.”Big supermarkets like D Mart buy in such large quantities that companies can sell to them at even bigger discounts. So even if they offer goods to customers at amazing discounts Canada Goose Jackets they are still earning a profit,” said 18 year old Ashish Dharaviya whose family run kirana store in Borivali reported 50 per cent losses over the last year.”Obviously people will flock to them how do we compete?” Ashish asked.Still, two of the 17 stores Canada Goose Parka we revisited said they were hopeful business would improve, in six months to a year from now.”Even if prices rise, these are basic goods. People will have to buy to survive,” said Raksha Patel, 19, who said the situation in her shop was back to normal, and was unaffected by GST.”Everything is as it was before. Nothing better, nothing worse.”After initial surge, digital payments report a slumpIn the days after demonetisation, the government’s demonetisation narrative changed from an attack on ‘black money’ and ‘fake currency’ to the promise of a ‘cashless/digital’ economy.During our visit to kirana stores, we found that 12 of the 17 stores’ owners did not have a mobile wallet to offer customers a digital payment buy canada goose jacket option.”Running this shop on cash is itself so expensive now. Who’s going to bother keeping other options,” said Ramesh Kumar, 34, a shopkeeper in Kupari Naka, Virar, a rural fringe of the Mumbai Metropolitan Region.All shopkeepers using PoS machines and mobile wallets said customers prefer to pay by cash.In January 2017, more than half of the interviewed store owners (14 of 24) had said their stores were too small and sales too little in value to warrant cashless modes of payment.They had also said that like themselves, their customers were not educated or wealthy enough for such options, as IndiaSpend had reported.With the value of cash in circulation now restored to nearly 92 per cent, about half, or eight of 17 kirana owners, now reported choosing cash because customers prefer it anyway, while the rest said these technologies were beyond their customers’ literacy levels.While digital payments have not seen an uptake, eight store owners, all located in urban areas, said they now accept and receive cheques as an alternative Canada Goose Outlet method of payment.In canada goose deals January 2017, only one shopkeeper had reported accepting or receiving cheques.”We get cheque payments, but this too has reduced as compared to some months ago since cash flow is back to normal,” said Mahendra Chheda, a shopkeeper in Dahisar, Mumbai’s northernmost suburb, adding that he receives five to six cheques a month as payment from customers.Notably, all shopkeepers now reported being aware of cashless technologies, compared with 35 per cent who were not previously.Despite this increased awareness, 16 of 17 kirana store cheap Canada Goose owners did not report using banking services more than they earlier did.In fact, more than half the shopkeepers we met, in rural and semi urban areas, reported using these services even more canadian goose jacket rarely as earnings have plummeted, hitting savings and investments.”We are hardly making money to bother going to the bank. Whatever we earn goes to the house or back to the shop,” said Nilesh canada goose store Patil, a shopkeeper based in Kawad in Thane district, who said his shop is facing losses of 50 per cent.”The bank itself would reject our tiny deposits.”IMAGE: Nilesh Patil, right, runs Sadguru Krupa Stores in Kawad, currently in losses of over 50 per cent. His canada goose clearance joint family of nine members depend entirely on the shop’s income. Photograph: Alison Canada Goose online Saldanha/IndiaSpendYet, continuing support for ModiOff the Bhiwandi Wada highway, kirana canada goose outlet store owner Ambika Kumbhar said savings and investments aside, losses and inflation have hit her home budget canada goose coats on sale.

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