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Is awareness of credit sources prerequisite for their use? A study of rural Assam
Indian Growth and Development Review Pub Date : 2018-04-08 , DOI: 10.1108/igdr-01-2018-0010
Tiken Das

The purpose of this paper is to analyze the determinants of awareness and use of credit sources. The paper attempts to answer the critical question: is awareness of credit sources prerequisite for their use?,This study is conducted in Assam, India, and uses a two-stage econometric model to reduce possible selection bias.,This study argues that awareness of credit sources may be a necessary but not sufficient prerequisite for use. It is found that, in general, formal, semiformal and informal sources attract different classes of the population with respect to economic and social indicators.,The study recommends expanding the scope of semiformal and informal credit sources in rural areas of Assam only for income generating activities with proper market linkages. The possible limitation of the study can be due to exclusion of the role of traditional community-based organizations in rural Assam while analyzing the awareness and use of credit sources.,The study contributes to the literature by assessing the probable differences among formal, semiformal and informal credit sources with respect to their determinants of awareness and use.

中文翻译:

对信用来源的认识是否是使用信用来源的先决条件?阿萨姆邦农村研究

本文的目的是分析信用来源意识和使用的决定因素。本文试图回答关键问题:对信用来源的认识是否是其使用的先决条件?,本研究在印度阿萨姆邦进行,并使用两阶段计量经济模型来减少可能的选择偏差。本研究认为,对信用来源的认识信用来源可能是使用的必要但不充分的先决条件。研究发现, 一般而言, 正规、半正规和非正规来源在经济和社会指标方面吸引了不同阶层的人口。, 该研究建议扩大阿萨姆邦农村地区半正规和非正规信贷来源的范围, 仅用于创收具有适当市场联系的活动。
更新日期:2018-04-08
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