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Improving Access to Finance for India's Rural Poor

Author

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  • Priya Basu

Abstract

Improving Access to Finance for India's Rural Poor examines the current level and pattern of access to finance for India's rural households, evaluates various approaches for delivering financial services to the rural poor, analyzes what lies behind the lack of adequate financial access for the rural poor, and identifies what it would take to improve access to finance for India's rural poor. Based on the analysis of a large-scale rural household survey, in combination with an evaluation of the role of financial markets and institutions, this title also examines different forms of financial service provision, including formal, informal and microfinance, raises questions about approaches used so far to address financial exclusion, and makes recommendations for policy advisors and financial service providers on how to scale-up access to finance for India's rural poor, to meet their diverse financial needs (savings, credit, insurance against unexpected events, etc.), in a commercially sustainable manner. Its conclusions will be of interest to anyone involved in economic policy, finance or microfinance, poverty analysis, and poverty reduction.

Suggested Citation

  • Priya Basu, 2006. "Improving Access to Finance for India's Rural Poor," World Bank Publications, The World Bank, number 6927.
  • Handle: RePEc:wbk:wbpubs:6927
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    Citations

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    Cited by:

    1. Olofsgård, Anders & Joshi, Shareen & Desai, Raj M, 2016. "Can the Poor Be Mobilized? Cooperation and Public Goods in Rural India," SITE Working Paper Series 40, Stockholm School of Economics, Stockholm Institute of Transition Economics.
    2. Pal, Debdatta & Laha, Arnab K., 2015. "Sectoral credit choice in rural India," Journal of choice modelling, Elsevier, vol. 14(C), pages 1-16.
    3. Bhole, Bharat & Ogden, Sean, 2010. "Group lending and individual lending with strategic default," Journal of Development Economics, Elsevier, vol. 91(2), pages 348-363, March.
    4. Filipiak, Ute, 2016. "Trusting financial institutions: Out of reach, out of trust?," The Quarterly Review of Economics and Finance, Elsevier, vol. 59(C), pages 200-214.
    5. S M Rakibul ANWAR & Tanzina Tabassum TANZO & Riduanul MOSTAFA, 2017. "Financial Inclusion- A Comparative Study On South Asia," Business Excellence and Management, Faculty of Management, Academy of Economic Studies, Bucharest, Romania, vol. 7(4), pages 18-33, December.
    6. Bhaumik, Sumon Kumar & Piesse, Jenifer, 2008. "Does lending behaviour of banks in emerging economies vary by ownership? Evidence from the Indian banking sector," Economic Systems, Elsevier, vol. 32(2), pages 177-196, June.
    7. Desai, Raj M. & Olofsgård, Anders, 2019. "Can the poor organize? Public goods and self-help groups in rural India," World Development, Elsevier, vol. 121(C), pages 33-52.
    8. Ghosh, Saibal & Vinod, D., 2017. "What Constrains Financial Inclusion for Women? Evidence from Indian Micro data," World Development, Elsevier, vol. 92(C), pages 60-81.
    9. Saravana Jaikumar & Ankur Sarin, 2015. "Conspicuous consumption and income inequality in an emerging economy: evidence from India," Marketing Letters, Springer, vol. 26(3), pages 279-292, September.
    10. Rajeev, Meenakshi & Vani, B.P., 2014. "Uncertainty, risk and risk mitigation: Field experiences from farm sector in Karnataka," Working Papers 320, Institute for Social and Economic Change, Bangalore.
    11. Jaikumar, Saravana & Singh, Ramendra & Sarin, Ankur, 2018. "‘I show off, so I am well off’: Subjective economic well-being and conspicuous consumption in an emerging economy," Journal of Business Research, Elsevier, vol. 86(C), pages 386-393.
    12. Kung'U, Gabriel Kamau, 2011. "Factors influencing SMEs access to finance: A case study of Westland Division,Kenya," MPRA Paper 66633, University Library of Munich, Germany, revised 2014.
    13. Veerashekharappa, 2014. "Access of bank credit to vulnerable sections: A case study of Karnataka," Working Papers 325, Institute for Social and Economic Change, Bangalore.
    14. Zhongming Tan & Krobea Asante Emmanuel & Guoping Ding, 2019. "Assessing Factors Affecting Formal Finance to Farmers in Ghana: Empirical Evidence of Sunyani West District," Business and Economic Research, Macrothink Institute, vol. 9(2), pages 169-181, June.
    15. Duvendack, Maren, 2010. "Smoke and Mirrors: Evidence of Microfinance Impact from an Evaluation of SEWA Bank in India," MPRA Paper 24511, University Library of Munich, Germany.
    16. Treb Allen & David Atkin, 2016. "Volatility and the Gains from Trade," NBER Working Papers 22276, National Bureau of Economic Research, Inc.
    17. Naveen K Shetty, 2008. "The Microfinance Promise in Financial Inclusion and Welfare of the Poor: Evidence from Karnataka, India," Working Papers 205 Keyword : Banking, Mi, Institute for Social and Economic Change, Bangalore.

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