IDEAS home Printed from https://ideas.repec.org/p/sch/wpaper/325.html
   My bibliography  Save this paper

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

Author

Listed:
  • Veerashekharappa

    (Institute for Social and Economic Change)

Abstract

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
    as

    Download full text from publisher

    File URL: http://www.isec.ac.in/WP%20325%20-%20Veerashekharappa.pdf
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    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. 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.
    3. Priya Basu, 2006. "Improving Access to Finance for India's Rural Poor," World Bank Publications - Books, The World Bank Group, number 6927, December.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Lucia Dalla Pellegrina & Giorgio Di Maio & Paolo Landoni & Emanuele Rusinà, 2021. "Money management and entrepreneurial training in microfinance: impact on beneficiaries and institutions," Economia Politica: Journal of Analytical and Institutional Economics, Springer;Fondazione Edison, vol. 38(3), pages 1049-1085, October.
    2. 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.
    3. Shigufta Hena Uzma & Suvendu Kr. Pratihari, 2019. "Financial Modelling for Business Sustainability: A Study of Business Correspondent Model of Financial Inclusion in India," Vikalpa: The Journal for Decision Makers, , vol. 44(4), pages 211-231, December.
    4. 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.
    5. 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.
    6. Meenakshi Rajeev & B.P. Vani & Veerashekharappa, 2017. "Self-help groups for India’s financial inclusion: Do effective costs of borrowing limit their operation?," ICDD Working Papers 19, University of Kassel, Fachbereich Gesellschaftswissenschaften (Social Sciences), Internatioanl Center for Development and Decent Work (ICDD).
    7. Manojit Bhattacharjee & Meenakshi Rajeev & B.P. Vani, 2009. "Asymmetry in Information and Varying Rates of Interest," Margin: The Journal of Applied Economic Research, National Council of Applied Economic Research, vol. 3(4), pages 339-364, October.
    8. 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.
    9. Treb Allen & David Atkin, 2022. "Volatility and the Gains From Trade," Econometrica, Econometric Society, vol. 90(5), pages 2053-2092, September.
    10. Remya Tressa Jacob & Rudra Sensarma & Gopakumaran Nair, 2022. "Is rural household debt sustainable in a financially included region? Evidence from three districts of Kerala, India," Oxford Development Studies, Taylor & Francis Journals, vol. 50(4), pages 389-405, October.
    11. Pal, Debdatta & Laha, Arnab K., 2015. "Sectoral credit choice in rural India," Journal of choice modelling, Elsevier, vol. 14(C), pages 1-16.
    12. 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.
    13. 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.
    14. Yashobanta Parida & Devi Prasad Dash & Parul Bhardwaj & Joyita Roy Chowdhury, 2018. "Effects of Drought and Flood on Farmer Suicides in Indian States: An Empirical Analysis," Economics of Disasters and Climate Change, Springer, vol. 2(2), pages 159-180, July.
    15. 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.
    16. 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.
    17. A.N. Sarkar & Jagjit Singh, 2006. "Savings-led Micro-finance to Bank the Unbankables," Global Business Review, International Management Institute, vol. 7(2), pages 271-295, August.
    18. 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.
    19. Sunil Sangwan & Narayan Chandra Nayak, 2019. "Do outreach approaches differ between Self-Help Group-Bank Linkage and Microfinance Institution-based microfinance? Evidences from Indian states," Journal of Social and Economic Development, Springer;Institute for Social and Economic Change, vol. 21(1), pages 93-115, June.
    20. 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.

    More about this item

    Keywords

    Banking; Bank credit-Karnataka;

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:sch:wpaper:325. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: B B Chand (email available below). General contact details of provider: https://edirc.repec.org/data/iseccin.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.