Improving Access to Finance for India's Rural Poor
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Washington, DC: World Bank
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Improving Access to Finance for
India's Rural Poor examines the current level and
pattern of access to finance for India's rural
households, evaluates various approaches for delivering
financial services to the rural poor, analyzes what lies
behind the lack of adequate financial access for the rural
poor, and identifies what it would take to improve access to
finance for India's rural poor. Based on the analysis
of a large-scale rural household survey, in combination with
an evaluation of the role of financial markets and
institutions, this title also examines different forms of
financial service provision, including formal, informal and
microfinance, raises questions about approaches used so far
to address financial exclusion, and makes recommendations
for policy advisors and financial service providers on how
to scale-up access to finance for India's rural poor,
to meet their diverse financial needs (savings, credit,
insurance against unexpected events, etc.), in a
commercially sustainable manner. Its conclusions will be of
interest to anyone involved in economic policy, finance or
microfinance, poverty analysis, and poverty reduction.
Palabras clave
ADVERSE SELECTION, AGRICULTURAL CREDIT, APEX, ASSET CLASSIFICATION, BANK ACCOUNTS, BANK ASSETS, BANK BRANCHES, BANK INDONESIA, BANKING CRISES, BANKING SECTOR, BANKS, BROKERS, CAPITAL ADEQUACY, CAPITAL BASE, CAPITAL REQUIREMENTS, CEO, CHIEF EXECUTIVE, COLLATERAL, COMMERCIAL BANK, COMMERCIAL BANKS, COMMERCIAL BORROWING, COMPANY, COOPERATIVE BANKS, COOPERATIVES, CORPORATION, DEBT, DEFAULT RISK, DEPOSIT ACCOUNTS, DEPOSIT MOBILIZATION, DEPOSITS, DEREGULATION, FINANCE COMPANIES, FINANCIAL DATABASES, FINANCIAL DISTRESS, FINANCIAL INSTITUTION, FINANCIAL INSTITUTIONS, FINANCIAL INTERMEDIATION, FINANCIAL SERVICES, FINANCIAL SYSTEMS, FINANCIAL TRANSACTIONS, FISCAL DEFICITS, FORMAL FINANCE, FORMALINFORMAL LINKAGES, GOVERNMENT INTERVENTION, HOUSEHOLD DEBT, INCENTIVE FRAMEWORK, INCOME DISTRIBUTION, INDIVIDUALS, INFORMAL FINANCE, INSTITUTIONAL ENVIRONMENT, INSTITUTIONAL STRUCTURES, INSURANCE, INTEREST RATES, INVESTIGATION, LAWS, LEGAL FRAMEWORK, LIMITED, LIQUIDITY, LIQUIDITY RATIO, MANAGEMENT INFORMATION SYSTEMS, MARKET DISCIPLINE, MERGERS, MFI, MICROCREDIT, MICROCREDIT LOANS, MICROFINANCE, MICROFINANCE INSTITUTION, MICROFINANCE INSTITUTIONS, MICROFINANCE PRACTITIONERS, MICROFINANCE SECTOR, MORAL HAZARD, NATIONAL BANK, NATIONALIZATION, NON-GOVERNMENTAL ORGANIZATION, NON-GOVERNMENTAL ORGANIZATIONS, OUTREACH, PACS, PARTNERSHIP, POOR HOUSEHOLDS, PORTFOLIOS, PRIVATE BANKS, PROFITABILITY, PRUDENTIAL REGULATION, REGIONAL RURAL BANKS, REGULATORY FORBEARANCE, REGULATORY FRAMEWORK, RESERVE BANK OF INDIA, RETURN ON ASSETS, RISK MANAGEMENT, RURAL BANKS, RURAL CREDIT, RURAL FINANCE, RURAL FINANCE INSTITUTIONS, SAVINGS, SAVINGS ACCOUNTS, SECURITIES, SMALL LOANS, SOCIETIES, SOCIETY, SPONSOR, STAKEHOLDERS, SUBSIDIARY, SUBSIDIZED CREDIT, SUSTAINABILITY, TRANSACTION COSTS, VULNERABILITY