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Credit in rural India: a case study

Author

Listed:
  • Dreze, Jean
  • Lanjouw, Peter
  • Sharma, Naresh

Abstract

This paper presents a case study of credit transactions in Palanpur, a north Indian village. Drawing on detailed informtion from all borrowers and lenders in the village, we examine a number of issues related to the functioning of rural credit markets. These include the segmentation of the credit market, the achievements and failure of public lending institutions, the role of interest-free lending, the lending strategies of village moneylenders, social inequalities in access to credit, and the politics of rural credit, among others. An attempt is also made to relate these findings to those of other studies of credit in rural India.

Suggested Citation

  • Dreze, Jean & Lanjouw, Peter & Sharma, Naresh, 1997. "Credit in rural India: a case study," LSE Research Online Documents on Economics 6692, London School of Economics and Political Science, LSE Library.
    • Handle: RePEc:ehl:lserod:6692
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    File URL: http://eprints.lse.ac.uk/6692/
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    Cited by:

    1. Thomas Walker & Yasuhiro Kawasoe & Jui Shrestha, 2019. "Risk and Vulnerability in Nepal," World Bank Publications - Reports 33365, The World Bank Group.
    2. Abhijit Banerjee & Sendhil Mullainathan, 2010. "The Shape of Temptation: Implications for the Economic Lives of the Poor," NBER Working Papers 15973, National Bureau of Economic Research, Inc.
    3. Sunil Mitra Kumar, 2016. "Why does caste still influence access to agricultural credit?," WIDER Working Paper Series wp-2016-86, World Institute for Development Economic Research (UNU-WIDER).
    4. Dean Karlan & Sendhil Mullainathan & Benjamin N. Roth, 2019. "Debt Traps? Market Vendors and Moneylender Debt in India and the Philippines," American Economic Review: Insights, American Economic Association, vol. 1(1), pages 27-42, June.
    5. Jean Drèze & Geeta Gandhi Kingdon, 2001. "School Participation in Rural India," Review of Development Economics, Wiley Blackwell, vol. 5(1), pages 1-24, February.
    6. Kumar, Sunil Mitra, 2013. "Does Access to Formal Agricultural Credit Depend on Caste?," World Development, Elsevier, vol. 43(C), pages 315-328.
    7. Khanna, Madhulika & Majumdar, Shruti, 2020. "Caste-ing wider nets of credit: A mixed methods analysis of informal lending and caste relations in Bihar," World Development Perspectives, Elsevier, vol. 20(C).
    8. Sunil Mitra Kumar, 2016. "Why does caste still influence access to agricultural credit?," WIDER Working Paper Series 086, World Institute for Development Economic Research (UNU-WIDER).
    9. Independent Evaluation Group, 2016. "Growing the Rural Nonfarm Economy to Alleviate Poverty," World Bank Publications - Books, The World Bank Group, number 28971, December.

    More about this item

    Keywords

    India; Palanpur; rural credit markets;
    All these keywords.

    JEL classification:

    • Q14 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Agriculture - - - Agricultural Finance
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • D23 - Microeconomics - - Production and Organizations - - - Organizational Behavior; Transaction Costs; Property Rights
    • G2 - Financial Economics - - Financial Institutions and Services

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