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Interest rates, collateral and (de-)interlinkage: a micro-study of rural credit in West Bengal

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  • Sudipta Bhattacharyya

Abstract

This study, based on a primary field survey in rural West Bengal, analyses the terms and conditions of the differentiated structure of rural credit with the advent of capitalist agriculture within the interventionist state. The sample households are classified according to the economic classes of Patnaik as well as the standard acreage criterion. The possibility of interlinkage between credit and all other structures is remote. The average rate of interest is inversely related to ascending class status. There is a systematic association between rate of interest and the value of collateral on the one hand, and marketability of collateral and interest rates on the other. Copyright 2005, Oxford University Press.

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  • Sudipta Bhattacharyya, 2005. "Interest rates, collateral and (de-)interlinkage: a micro-study of rural credit in West Bengal," Cambridge Journal of Economics, Cambridge Political Economy Society, vol. 29(3), pages 439-462, May.
    • Handle: RePEc:oup:cambje:v:29:y:2005:i:3:p:439-462
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    File URL: http://hdl.handle.net/10.1093/cje/bei008
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    Citations

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    Cited by:

    1. 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.
    2. Dalla Pellegrina, Lucia, 2011. "Microfinance and Investment: A Comparison with Bank and Informal Lending," World Development, Elsevier, vol. 39(6), pages 882-897, June.
    3. Turvey, C. G., 2017. "IFAD RESEARCH SERIES 10 - Inclusive finance and inclusive rural transformation," IFAD Research Series 280048, International Fund for Agricultural Development (IFAD).
    4. Sudipta Bhattacharyya, 2007. "Operation Barga, ‘Efficiency’ and (De)interlinkage in a Differentiated Structure of Tenancy in Rural West Bengal," Journal of South Asian Development, , vol. 2(2), pages 279-314, July.
    5. Khondker Aktaruzzaman & Omar Farooq, 2020. "Cultural fractionalization and informal finance: evidence from Indian firms," Eurasian Economic Review, Springer;Eurasia Business and Economics Society, vol. 10(4), pages 661-679, December.
    6. Turvey, Calum G. & He, Guangwen & MA, Jiujie & Kong, Rong & Meagher, Patrick, 2012. "Farm credit and credit demand elasticities in Shaanxi and Gansu," China Economic Review, Elsevier, vol. 23(4), pages 1020-1035.
    7. Aswini Kumar Mishra & Vedant Bhardwaj, 2022. "The Determinants of Access to Informal Credits in India: An Application of Quantiles via Moments Method," Journal of Quantitative Economics, Springer;The Indian Econometric Society (TIES), vol. 20(1), pages 1-22, March.
    8. Sudipta Bhattacharyya & Nikhil Kumar Mandal, 2021. "Transition in the Rural Credit Structure of West Bengal: The Case of Murshidabad District," Agrarian South: Journal of Political Economy, Centre for Agrarian Research and Education for South, vol. 10(2), pages 210-248, August.
    9. Kundu, Amit & DAS, SANGITA, 2021. "Accessibility of Institutional Credit among the Agricultural Labour Households and its Impact on their Livelihood," MPRA Paper 112791, University Library of Munich, Germany, revised 03 Mar 2022.

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