Going Digital : Credit Effects of Land Registry Computerization in India

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dc.creatorDeininger, Klaus
dc.creatorGoyal, Aparajita
dc.date2012-03-19T18:38:58Z
dc.date2012-03-19T18:38:58Z
dc.date2010-03-01
dc.date.accessioned2026-07-01T01:08:28Z
dc.descriptionDespite strong beliefs that property titling and registration will enhance credit access, empirical evidence in support of such effects remains scant. The gradual roll-out of computerization of land registry systems across Andhra Pradesh's 387 sub-registry offices allows us to combine quarterly administrative data on credit disbursed by all commercial banks for an eleven-year period (1997-2007) aggregated to the sub-registry office level with the date of shifting registration from manual to digital. Computerization had no credit effect in rural areas but led to increased credit-supply in urban ones. A marked increase of registered urban mortgages due to computerization supports the robustness of the result. At the same time, estimated impacts from reduction of the stamp duty are much larger, suggesting that, without further changes in the property rights system, impacts of computerization will remain marginal.
dc.formatapplication/pdf
dc.formattext/plain
dc.identifierhttp://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20100329110509
dc.identifierhttps://hdl.handle.net/10986/3740
dc.identifierhttps://doi.org/10.1596/1813-9450-5244
dc.identifier.urihttp://hdl.handle.net/123456789/415542
dc.languageEnglish
dc.relationPolicy Research working paper ; no. WPS 5244
dc.rightsCC BY 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by/3.0/igo/
dc.rightsWorld Bank
dc.subjectACCESS TO INFORMATION
dc.subjectADJUDICATION
dc.subjectADMINISTRATIVE PROCESSES
dc.subjectAGRICULTURAL DEBT
dc.subjectAGRICULTURE
dc.subjectALM
dc.subjectASSETS
dc.subjectASYMMETRIC INFORMATION
dc.subjectBANK POLICY
dc.subjectBASE YEAR
dc.subjectBUSINESS PROCESS
dc.subjectCASE OF DEFAULT
dc.subjectCENTRAL BANK
dc.subjectCERTIFICATES
dc.subjectCHECKS
dc.subjectCHILD LABOR
dc.subjectCOLLATERAL
dc.subjectCOMMERCIAL BANKS
dc.subjectCOMPARATIVE ECONOMICS
dc.subjectCONTRACT ENFORCEABILITY
dc.subjectCOOPERATIVE BANKS
dc.subjectCORRUPTION
dc.subjectCREDIT ACCESS
dc.subjectCREDIT DISBURSEMENT
dc.subjectCREDIT EXPANSION
dc.subjectCREDIT INCREASE
dc.subjectCREDIT MARKET
dc.subjectCREDIT MARKETS
dc.subjectCREDIT RATIONING
dc.subjectCURRENCY
dc.subjectCUSTOMS
dc.subjectDEED
dc.subjectDEEDS
dc.subjectDEPENDENT
dc.subjectDIGITIZATION
dc.subjectDISBURSEMENT
dc.subjectECONOMIC CONDITIONS
dc.subjectECONOMIC DEVELOPMENT
dc.subjectECONOMIC EFFICIENCY
dc.subjectECONOMIC HISTORY
dc.subjectECONOMIC OUTCOMES
dc.subjectECONOMIC PERFORMANCE
dc.subjectECONOMIC STRUCTURE
dc.subjectELECTRONIC FORM
dc.subjectENCUMBRANCE
dc.subjectENCUMBRANCES
dc.subjectENFORCEMENT POWER
dc.subjectESTATE
dc.subjectEXPROPRIATION
dc.subjectFINANCE CORPORATION
dc.subjectFINANCIAL INSTRUMENTS
dc.subjectFINANCIAL MARKET
dc.subjectFINANCIAL MARKETS
dc.subjectFINANCIAL SECTOR
dc.subjectFORECLOSURE
dc.subjectGDP
dc.subjectHOUSING
dc.subjectHUMAN CAPITAL
dc.subjectHUMAN INTERACTION
dc.subjectILLIQUID WEALTH
dc.subjectIMMOVABLE PROPERTY
dc.subjectINEFFICIENCY
dc.subjectINFORMATION TECHNOLOGY
dc.subjectINSPECTION
dc.subjectINSTITUTION
dc.subjectINSTITUTIONAL ARRANGEMENTS
dc.subjectINSTRUMENT
dc.subjectINTERNATIONAL BANK
dc.subjectINTERNATIONAL FINANCE
dc.subjectINVESTMENT OPPORTUNITIES
dc.subjectLABOR MARKETS
dc.subjectLAND AS COLLATERAL
dc.subjectLAND OWNERSHIP
dc.subjectLAND POLICIES
dc.subjectLAND POLICY
dc.subjectLAND RECORDS
dc.subjectLAND REGISTRIES
dc.subjectLAND REGISTRY
dc.subjectLAND REGISTRY OFFICES
dc.subjectLAND TAXES
dc.subjectLAND TENURE
dc.subjectLAND TITLING
dc.subjectLAND VALUES
dc.subjectLAWS
dc.subjectLEGAL EXPERTS
dc.subjectLEGAL REFORM
dc.subjectLENDERS
dc.subjectLEVY
dc.subjectLIENS
dc.subjectLOAN
dc.subjectLOAN APPLICATIONS
dc.subjectLOAN APPROVAL
dc.subjectLOAN PORTFOLIO
dc.subjectLOAN PROCESSING
dc.subjectMARKET DEVELOPMENT
dc.subjectMARKET VALUE
dc.subjectMORTGAGES
dc.subjectNEOCLASSICAL ECONOMICS
dc.subjectOWNERSHIP INFORMATION
dc.subjectPERFECT INFORMATION
dc.subjectPOLITICAL ECONOMY
dc.subjectPOSITIVE COEFFICIENT
dc.subjectPOSITIVE EFFECTS
dc.subjectPRIVATE SECTOR
dc.subjectPRIVATE SECTOR BANKS
dc.subjectPRODUCTIVITY
dc.subjectPROPERTY OWNERSHIP
dc.subjectPROPERTY REGISTRIES
dc.subjectPROPERTY RIGHTS
dc.subjectPROPERTY TRANSACTIONS
dc.subjectPROPERTY TRANSFERS
dc.subjectPROPERTY VALUES
dc.subjectPROVISION OF CREDIT
dc.subjectPUBLIC POLICY
dc.subjectPUBLIC REGISTRY
dc.subjectPUBLIC SPENDING
dc.subjectREGISTRATION FEE
dc.subjectREGISTRATION PROCESSES
dc.subjectREGISTRY OFFICE
dc.subjectREGISTRY OFFICES
dc.subjectREGISTRY REFORM
dc.subjectREGISTRY SYSTEM
dc.subjectREGISTRY SYSTEMS
dc.subjectREGULATORY REFORM
dc.subjectREGULATORY REFORMS
dc.subjectRELIABILITY
dc.subjectRESERVE
dc.subjectRESERVE BANK
dc.subjectRESERVE BANK OF INDIA
dc.subjectRESIDUAL CLAIM
dc.subjectRESULT
dc.subjectRESULTS
dc.subjectRISK AVERSION
dc.subjectROLE OF INSTITUTIONS
dc.subjectRURAL DEBTS
dc.subjectSETTLEMENT
dc.subjectSOCIAL RELATIONS
dc.subjectSTAMP DUTIES
dc.subjectSTAMP DUTY
dc.subjectSTAMP DUTY RATES
dc.subjectSTANDARDIZATION
dc.subjectSUPPLY OF CREDIT
dc.subjectSURCHARGES
dc.subjectTAX
dc.subjectTAX OBLIGATIONS
dc.subjectTAX REVENUE
dc.subjectTAXATION
dc.subjectTIME PERIOD
dc.subjectTITLE
dc.subjectTITLES
dc.subjectTOTAL COSTS
dc.subjectTRANSACTION
dc.subjectTRANSACTION COST
dc.subjectTRANSACTION COSTS
dc.subjectTRANSACTION VOLUME
dc.subjectTRANSFER OF PROPERTY
dc.subjectTRANSPARENCY
dc.subjectUNDERVALUATION
dc.subjectUSE OF COLLATERAL
dc.subjectUSERS
dc.subjectUSES
dc.subjectVALUATION
dc.subjectVALUATIONS
dc.subjectWEB
dc.titleGoing Digital : Credit Effects of Land Registry Computerization in India

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