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Going digital : credit effects of land registry computerization in India

Author

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  • Deininger, Klaus
  • 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 allows us to combine quarterly administrative data on credit disbursed by all commercial banks for an eleven-year period (1997-2007) aggregated to the sub-registry office 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 the 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 & Goyal, Aparajita, 2010. "Going digital : credit effects of land registry computerization in India," Policy Research Working Paper Series 5244, The World Bank.
  • Handle: RePEc:wbk:wbrwps:5244
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    References listed on IDEAS

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    Cited by:

    1. Dhaliwal, Iqbal & Hanna, Rema, 2017. "The devil is in the details: The successes and limitations of bureaucratic reform in India," Journal of Development Economics, Elsevier, vol. 124(C), pages 1-21.
    2. Roy, Sanchari, 2015. "Empowering women? Inheritance rights, female education and dowry payments in India," Journal of Development Economics, Elsevier, vol. 114(C), pages 233-251.
    3. repec:eee:wdevel:v:102:y:2018:i:c:p:345-357 is not listed on IDEAS
    4. Deininger,Klaus W. & Xia,Fang & Savastano,Sara, 2015. "Smallholders? land ownership and access in Sub-Saharan Africa: a new landscape ?," Policy Research Working Paper Series 7285, The World Bank.
    5. 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.
    6. Deininger, Klaus & Savastano, Sara & Xia, Fang, 2017. "Smallholders’ land access in Sub-Saharan Africa: A new landscape?," Food Policy, Elsevier, vol. 67(C), pages 78-92.
    7. Deininger, Klaus & Hilhorst, Thea & Songwe, Vera, 2014. "Identifying and addressing land governance constraints to support intensification and land market operation: Evidence from 10 African countries," Food Policy, Elsevier, vol. 48(C), pages 76-87.
    8. repec:eee:wdevel:v:99:y:2017:i:c:p:377-394 is not listed on IDEAS

    More about this item

    Keywords

    Debt Markets; Banks&Banking Reform; Bankruptcy and Resolution of Financial Distress; E-Business; Economic Theory&Research;

    JEL classification:

    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • Q24 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Renewable Resources and Conservation - - - Land
    • R51 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Regional Government Analysis - - - Finance in Urban and Rural Economies
    • R52 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Regional Government Analysis - - - Land Use and Other Regulations

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