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Going Digital: Computerized Land Registration and Credit Access in India

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  • Deininger, Klaus W.
  • Goyal, Aparajita

Abstract

Despite strong beliefs that property titling and registration will enhance credit access, empirical evidence in support of such effects remains scant. The gradual roll-out of computerization of land registry systems across Andhra Pradesh’s 387 sub-registry offices (SROs) allows us to combine quarterly administrative data on credit disbursed by all commercial banks for a 11 year period (1997-2007) aggregated to the SRO level with the date of shifting registration from manual to digital. Computerization had no credit effect in rural areas but led to increased credit-supply in urban ones. A marked increase of registered urban mortgages due to computerization supports the robustness of the result. At the same time, estimated impacts from reduction of stamp duty are much larger, suggesting that, without further changes in the property rights system, impacts of computerization will remain marginal.

Suggested Citation

  • Deininger, Klaus W. & Goyal, Aparajita, 2010. "Going Digital: Computerized Land Registration and Credit Access in India," 2010 Annual Meeting, July 25-27, 2010, Denver, Colorado 61257, Agricultural and Applied Economics Association.
    • Handle: RePEc:ags:aaea10:61257
    DOI: 10.22004/ag.econ.61257
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    File URL: https://ageconsearch.umn.edu/record/61257/files/Computerization_AAEA.pdf
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    References listed on IDEAS

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    1. World Bank, 2007. "India : Land Policies for Growth and Poverty Reduction," World Bank Publications - Books, The World Bank Group, number 15791, December.
    2. World Bank, 2007. "India - Land Policies for Growth and Poverty Reduction," World Bank Publications - Reports 7818, The World Bank Group.
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    Cited by:

    1. Daniel Ayalew Ali & Klaus Deininger & Markus Goldstein, 2011. "Environmental and Gender Impacts of Land Tenure Regularization in Africa," World Bank Other Operational Studies 25527, The World Bank.
    2. Ali, Daniel Ayalew & Deininger, Klaus & Goldstein, Markus, 2014. "Environmental and gender impacts of land tenure regularization in Africa: Pilot evidence from Rwanda," Journal of Development Economics, Elsevier, vol. 110(C), pages 262-275.
    3. Daniel Domeher & Raymond T., Abdulai, 2012. "Land registration and access to SME credit: preliminary findings," ERES eres2012_002, European Real Estate Society (ERES).

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