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Access of bank credit to vulnerable sections: A case study of Karnataka


  • Veerashekharappa

    (Institute for Social and Economic Change)


During last couple of decades, the credit from formal banking institutions has shown tremendous growth in volume and complexity, yet, a large segment of the population, especially the poor, is still excluded from the formal banking services, which led affecting income inequity. In India despite of expansion of formal credit, still large segments of the population, especially the poor are excluded from the formal banking services. The performance of the entities created to support the excluded segment also not impressive, though many people have different opinions on this. Therefore, there is need to establish the relationship empirically and examine whether such institutions indeed provide credit support for improving household economy of excluded group as well as poor households of other groups.

Suggested Citation

  • Veerashekharappa, 2014. "Access of bank credit to vulnerable sections: A case study of Karnataka," Working Papers 325, Institute for Social and Economic Change, Bangalore.
  • Handle: RePEc:sch:wpaper:325

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    References listed on IDEAS

    1. Sriram M S, 2004. "Microfinance and the State: Exploring areas and structures of collaboration," IIMA Working Papers WP2004-01-03, Indian Institute of Management Ahmedabad, Research and Publication Department.
    2. Priya Basu, 2006. "Improving Access to Finance for India's Rural Poor," World Bank Publications, The World Bank, number 6927.
    3. Meenakshi Rajeev & B P Vani & Manojit Bhattacharjee, 2011. "Nature and Dimensions of Farmers’Indebtedness in India and Karnataka," Working Papers 267, Institute for Social and Economic Change, Bangalore.
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    Banking; Bank credit-Karnataka;


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