Working paper
Credit Exclusion of the Poor
Credit Exclusion of the Poor
A Study of Cultivator Households in India
Abstract
In India, about 55% of the workforce is dependent on agriculture and most of these cultivators, being small or marginal farmers, require financial help on a regular basis for their farming activities. Needless to say, such poor farmers suffer from irregular and volatile income. As these households do not possess adequate savings, accessibility to financial resources at reasonable terms and conditions is becoming a crucial parameter for their productive activities and hence, in turn, their well-being. Based on the household level data provided by the National Sample Survey Organisation (NSSO) of India, this paper examines the nature of exclusion faced by farmer households in credit market across selected prominent states of India. The paper also tries to identify the factors that explain exclusion from access to financial resources by developing a methodology for detection of credit exclusion. It is observed from this analysis that economic development and education increase access to financial resources.
Citation
@unpublished{doi:10.17170/kobra-202009081746,
author={Bhattacharjee, Manojit and Rajeev, Meenakshi},
title={Credit Exclusion of the Poor},
year={2013}
}
0500 Oax 0501 Text $btxt$2rdacontent 0502 Computermedien $bc$2rdacarrier 1100 2013$n2013 1500 1/eng 2050 ##0##http://hdl.handle.net/123456789/11803 3000 Bhattacharjee, Manojit 3010 Rajeev, Meenakshi 4000 Credit Exclusion of the Poor / Bhattacharjee, Manojit 4030 4060 Online-Ressource 4085 ##0##=u http://nbn-resolving.de/http://hdl.handle.net/123456789/11803=x R 4204 \$dWorking paper 4170 ICDD Working Papers ;; No. 8 5550 {{Indien}} 5550 {{Landwirtschaft}} 5550 {{Zugang}} 5550 {{Kredit}} 7136 ##0##http://hdl.handle.net/123456789/11803
2020-09-11T12:24:58Z 2020-09-11T12:24:58Z 2013-05 doi:10.17170/kobra-202009081746 http://hdl.handle.net/123456789/11803 eng Urheberrechtlich geschützt https://rightsstatements.org/page/InC/1.0/ accessibility to credit financial exclusion 320 Credit Exclusion of the Poor Working paper In India, about 55% of the workforce is dependent on agriculture and most of these cultivators, being small or marginal farmers, require financial help on a regular basis for their farming activities. Needless to say, such poor farmers suffer from irregular and volatile income. As these households do not possess adequate savings, accessibility to financial resources at reasonable terms and conditions is becoming a crucial parameter for their productive activities and hence, in turn, their well-being. Based on the household level data provided by the National Sample Survey Organisation (NSSO) of India, this paper examines the nature of exclusion faced by farmer households in credit market across selected prominent states of India. The paper also tries to identify the factors that explain exclusion from access to financial resources by developing a methodology for detection of credit exclusion. It is observed from this analysis that economic development and education increase access to financial resources. open access Bhattacharjee, Manojit Rajeev, Meenakshi 22 Seiten ICDD Working Papers ;; No. 8 Indien Landwirtschaft Zugang Kredit A Study of Cultivator Households in India publishedVersion ICDD Working Papers No. 8 false
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