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Financial services for the rural poor and women in India: Access and sustainability

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Author Info

  • Vijay Mahajan

    (BASIX)

  • Bharti Gupta Ramola

    (Price Waterhouse)

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    Abstract

    This paper, based on a study commissioned by the World Bank, reviews the performance of Indian financial institutions in providing services to the rural poor and examines the key issues facing policy makers and institutions as the country moves forward on financial sector reforms. The study posits two sets of causal variables for institutional performance: (i) Internal Practices Attitudes (IPAs); and (ii) mechanisms for client interface that either enhance or thwart access by the rural poor and women (MEAs). Both of these variables are largely within the control of the financial institutions. The study sought to identify changes in these variables that could improve access to financial services by the rural poor. The authors conclude, however that rural financial institutions are faced with a hierarchy of constraints, largely beyond their control, and any attempt at developing workable and sustainable approaches to improved access of the rural poor to financial services will need to address a whole range of macro-policy issues including depoliticization, ownership and governance in addition to regulatory issues.

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    Bibliographic Info

    Article provided by John Wiley & Sons, Ltd. in its journal Journal of International Development.

    Volume (Year): 8 (1996)
    Issue (Month): 2 ()
    Pages: 211-224

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    Handle: RePEc:wly:jintdv:v:8:y:1996:i:2:p:211-224

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    Web page: http://www3.interscience.wiley.com/journal/5102/home

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    Cited by:
    1. World Bank, 2003. "Rural Financial Services : Implementing the Bank's Strategy to Reach the Rural Poor," World Bank Other Operational Studies 14677, The World Bank.
    2. Garikipati, Supriya, 2008. "The Impact of Lending to Women on Household Vulnerability and Women's Empowerment: Evidence from India," World Development, Elsevier, vol. 36(12), pages 2620-2642, December.
    3. Ranjan, Sharad, 2006. "Occupational Diversification And Access To Rural Employment: Revisiting The Non Farm Employment Debate," MPRA Paper 7870, University Library of Munich, Germany.
    4. Brigit Helms, 2006. "Access for All : Building Inclusive Financial Systems," World Bank Publications, The World Bank, number 6973.
    5. Mosley, Paul & Hulme, David, 1998. "Microenterprise finance: Is there a conflict between growth and poverty alleviation?," World Development, Elsevier, vol. 26(5), pages 783-790, May.

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