Tanmoyee Banerjee, Chandralekha Ghosh, Malabika Roy
{"title":"Borrowers in a Village Economy: An Analysis of Credit Contracts Across Rural Households","authors":"Tanmoyee Banerjee, Chandralekha Ghosh, Malabika Roy","doi":"10.3860/APSSR.V10I1.1582","DOIUrl":null,"url":null,"abstract":"The present study shows the impact of different borrower specific socio-economic, political and demographic characteristics on the probability that a loan will be taken from formal sources as well as on its size. We also study the impact of such factors on interlinked loan contracts. The study is based on a primary survey conducted in 24 Parganas (North), West Bengal, India. We observe that occupational categories, political identification, and economic status are the important determinants of loans taken from formal lending institutions. Another important observation is the existence of credit labour interlinkage in a tied loan market. Mostly poorer people have a higher probability of taking a tied loan.","PeriodicalId":39323,"journal":{"name":"Asia-Pacific Social Science Review","volume":"10 1","pages":"1-1"},"PeriodicalIF":0.0000,"publicationDate":"2010-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"2","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Asia-Pacific Social Science Review","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.3860/APSSR.V10I1.1582","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q1","JCRName":"Arts and Humanities","Score":null,"Total":0}
引用次数: 2
Abstract
The present study shows the impact of different borrower specific socio-economic, political and demographic characteristics on the probability that a loan will be taken from formal sources as well as on its size. We also study the impact of such factors on interlinked loan contracts. The study is based on a primary survey conducted in 24 Parganas (North), West Bengal, India. We observe that occupational categories, political identification, and economic status are the important determinants of loans taken from formal lending institutions. Another important observation is the existence of credit labour interlinkage in a tied loan market. Mostly poorer people have a higher probability of taking a tied loan.
期刊介绍：
The Asia-Pacific Social Science Review (APSSR) is an internationally refereed journal published biannually (June and December) by De La Salle University, Manila, Philippines. It aims to be a leading venue for authors seeking to share their data and perspectives on compelling and emerging topics in the social sciences with, and to create an impact on, the region’s communities of academics, researchers, students, civil society, policymakers, development specialists, among others. Topics related to or with implications for the region that are pursued employing sound methodologies and comparative, and inter, multi and transdisciplinary approaches are of particular interest.
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