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首页> 外文期刊>Margin: The Journal of Applied Economic Research >Accessibility to Credit and its Determinants: A State-level Analysis of Cultivator Households in India
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Accessibility to Credit and its Determinants: A State-level Analysis of Cultivator Households in India

机译：信贷可及性及其决定因素：印度耕地家庭的国家级分析

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摘要

It is well known that around 80 per cent of farmers in India are in the small or marginal farmers group which requires financial resources on a regular basis for their farming activities. Needless to say, as these households do not possess adequate savings, accessibility to financial resources at reasonable terms and conditions from financial intermediaries becomes a crucial parameter for their productive activities and hence, in turn, their well-being. Based on the 59th round of household-level data from the Debt and Investment Survey and the Situation Assessment Survey (SAS) of farmers provided by the National Sample Survey Organisation (NSSO) of India, this article examines the nature of exclusion faced by farmer households in credit markets across selected prominent states of India. This is done by constructing an indicator, namely, the 'incidence of borrowing'. This article also tries to identify the factors that explain exclusion from access to financial resources by developing a methodology for the detection of credit exclusion. Our results show that the relation between the cost of credit (interest rate) and access to credit depends heavily on the extent of prevalence of informal lenders in a region.
机译：众所周知，印度约有80％的农民属于小规模或边缘农民群体，这需要定期为其农业活动提供资金。毋庸置疑，由于这些家庭没有足够的储蓄，因此，金融中介机构以合理的条款和条件获得金融资源的能力成为其生产活动，进而进而改善其福祉的关键参数。根据印度国家抽样调查组织（NSSO）提供的来自农民的债务和投资调查以及农民状况评估调查（SAS）的第59轮家庭级数据，本文研究了农民家庭面临的排斥性在选定的印度主要州的信贷市场中。这是通过构建一个指标即“借款发生率”来完成的。本文还试图通过开发一种检测信用排斥的方法，找出导致无法获得财务资源的因素。我们的结果表明，信贷成本（利率）与获得信贷之间的关系在很大程度上取决于该地区非正式贷方的普遍程度。

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