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Financial services for the rural poor and women in India: Access and sustainability

Author

Listed:
  • Vijay Mahajan

    (BASIX)

  • Bharti Gupta Ramola

    (Price Waterhouse)

Abstract

This paper, based on a study commissioned by the World Bank, reviews the performance of Indian financial institutions in providing services to the rural poor and examines the key issues facing policy makers and institutions as the country moves forward on financial sector reforms. The study posits two sets of causal variables for institutional performance: (i) Internal Practices Attitudes (IPAs); and (ii) mechanisms for client interface that either enhance or thwart access by the rural poor and women (MEAs). Both of these variables are largely within the control of the financial institutions. The study sought to identify changes in these variables that could improve access to financial services by the rural poor. The authors conclude, however that rural financial institutions are faced with a hierarchy of constraints, largely beyond their control, and any attempt at developing workable and sustainable approaches to improved access of the rural poor to financial services will need to address a whole range of macro-policy issues including depoliticization, ownership and governance in addition to regulatory issues.

Suggested Citation

  • Vijay Mahajan & Bharti Gupta Ramola, 1996. "Financial services for the rural poor and women in India: Access and sustainability," Journal of International Development, John Wiley & Sons, Ltd., vol. 8(2), pages 211-224.
    • Handle: RePEc:wly:jintdv:v:8:y:1996:i:2:p:211-224
    DOI: 10.1002/(SICI)1099-1328(199603)8:2<211::AID-JID378>3.0.CO;2-W
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    Citations

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    Cited by:

    1. Pal, Debdatta & Laha, Arnab K., 2015. "Sectoral credit choice in rural India," Journal of choice modelling, Elsevier, vol. 14(C), pages 1-16.
    2. Kumar, A. & Singh, R.K.P. & Jee, S. & Chand, S. & Tripathi, G. & Saroj, S., 2015. "Dynamics of Access to Rural Credit in India: Patterns and Determinants," Agricultural Economics Research Review, Agricultural Economics Research Association (India), vol. 28(Conferenc).
    3. Varshney, Deepak & Kumar, Anjani & Mishra, Ashok K. & Rashid, Shahidur & Joshi, Pramod K., 2021. "India's COVID-19 social assistance package and its impact on the agriculture sector," Agricultural Systems, Elsevier, vol. 189(C).
    4. World Bank, 2003. "Rural Financial Services : Implementing the Bank's Strategy to Reach the Rural Poor," World Bank Publications - Reports 14677, The World Bank Group.
    5. Saravana Jaikumar & Ankur Sarin, 2015. "Conspicuous consumption and income inequality in an emerging economy: evidence from India," Marketing Letters, Springer, vol. 26(3), pages 279-292, September.
    6. Garikipati, Supriya, 2008. "The Impact of Lending to Women on Household Vulnerability and Women's Empowerment: Evidence from India," World Development, Elsevier, vol. 36(12), pages 2620-2642, December.
    7. A. P. Pati, 2015. "Are Regulatory Microfinance Institutions of India Better Off than Non-regulatory Ones? A Comparison of Performance and Sustainability," Paradigm, , vol. 19(1), pages 21-36, June.
    8. Aruna Balammal & R. Madhumathi & M.P. Ganesh, 2016. "Pentagon Performance Model of Indian MFIs," Paradigm, , vol. 20(1), pages 1-13, June.
    9. Deepak Varshney & Anjani Kumar & Ashok K. Mishra & Shahidur Rashid & Pramod K. Joshi, 2021. "COVID‐19, Government Transfer Payments, and Investment Decisions in Farming Business: Evidence from Northern India," Applied Economic Perspectives and Policy, John Wiley & Sons, vol. 43(1), pages 248-269, March.
    10. Mosley, Paul & Hulme, David, 1998. "Microenterprise finance: Is there a conflict between growth and poverty alleviation?," World Development, Elsevier, vol. 26(5), pages 783-790, May.
    11. Supriya Garikipati, 2012. "Microcredit and Women's Empowerment: Through the Lens of Time-Use Data from Rural India," Development and Change, International Institute of Social Studies, vol. 43(3), pages 719-750, May.
    12. Brigit Helms, 2006. "Access for All : Building Inclusive Financial Systems," World Bank Publications - Books, The World Bank Group, number 6973.
    13. Abid Hussain & Gopal Bahadur Thapa, 2016. "Fungibility of Smallholder Agricultural Credit: Empirical Evidence from Pakistan," The European Journal of Development Research, Palgrave Macmillan;European Association of Development Research and Training Institutes (EADI), vol. 28(5), pages 826-846, November.
    14. Shaheel Rafique, 2006. "Implications of informal credit for policy development in India for building inclusive financial sectors," Asia-Pacific Development Journal, United Nations Economic and Social Commission for Asia and the Pacific (ESCAP), vol. 13(1), pages 101-127, June.
    15. Ranjan, Sharad, 2006. "Occupational Diversification And Access To Rural Employment: Revisiting The Non Farm Employment Debate," MPRA Paper 7870, University Library of Munich, Germany.
    16. 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.
    17. Namayengo., Faith & van Ophem, Johan A.C. & Antonides, Gerrit, 2016. "Women And Microcredit In Rural Agrarian Households Of Uganda: Match Or Mismatch Between Lender And Borrower?," APSTRACT: Applied Studies in Agribusiness and Commerce, AGRIMBA, vol. 10(2-3), pages 1-12, October.
    18. Sinduja Srinivasan, 2014. "Impact of Public Works on Household Occupational Choice Evidence from NREGS in India," Working Papers WR-1053, RAND Corporation.

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