{"title":"Determinants of Microfinance Outreach in India: Empirical Evidence","authors":"S. Saravanan, K. Shanmugam","doi":"10.3790/AEQ.66.2.165","DOIUrl":null,"url":null,"abstract":"\n Using a panel data on the Microfinance-Bank Linkage Program (2008–2015), this paper examines the determinants of the program’s outreach. The results indicate that microfinance outreach has not been a key indicator for addressing economic and social issues. The study underscores that the program favors income-rich rather than poor states: the average loan is correlated with higher per capita income and high economic growth at the state level. Literacy, NPA, and bank ownership also matter in determining microfinance outreach.","PeriodicalId":36978,"journal":{"name":"Applied Economics Quarterly","volume":"66 1","pages":"165-178"},"PeriodicalIF":0.0000,"publicationDate":"2020-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Applied Economics Quarterly","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.3790/AEQ.66.2.165","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q4","JCRName":"Economics, Econometrics and Finance","Score":null,"Total":0}
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Abstract
Using a panel data on the Microfinance-Bank Linkage Program (2008–2015), this paper examines the determinants of the program’s outreach. The results indicate that microfinance outreach has not been a key indicator for addressing economic and social issues. The study underscores that the program favors income-rich rather than poor states: the average loan is correlated with higher per capita income and high economic growth at the state level. Literacy, NPA, and bank ownership also matter in determining microfinance outreach.
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