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Formal and informal sectors: Interactions between moneylenders and traditional banks in the rural Indian credit market

  • Orso, Cristina Elisa

This paper describes, through a theoretical approach, the interactions between institutional lenders and local moneylenders, and how these affect the rural credit market. It evaluates the effects produced by the introduction of "spillovers" in a rural credit market with rationing in which banks and moneylenders interact simultaneously while working in distinct segments. Due to the strong and consolidated social ties, it is probable that the spread of knowledge concerning potential debtors comes about in targeted and rapid way with reduced costs for the lenders as well.

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File URL: http://polis.unipmn.it/pubbl/RePEc/uca/ucapdv/orso151.pdf
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Paper provided by Institute of Public Policy and Public Choice - POLIS in its series POLIS Working Papers with number 135.

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Length: 23 pages
Date of creation: Oct 2009
Date of revision:
Handle: RePEc:uca:ucapdv:135
Contact details of provider: Web page: http://polis.unipmn.it

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