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The Demand and Supply of Credit for households
Uppsala University, Disciplinary Domain of Humanities and Social Sciences, Faculty of Social Sciences, Department of Economics.
2007 (English)In: Applied Economics, ISSN 0003-6846, E-ISSN 1466-4283, Vol. 39, no 21, 2681-2692 p.Article in journal (Refereed) Published
Abstract [en]

The demand and supply of credit in the rural credit markets is investigated in this article using household data from India. The aim is to study the effects of household, farm productive characteristics and the policy variables on the demand and supply of credit. A type 3 Tobit model is estimated which corrects for sample selection and endogeniety bias. In addition, a generalized Double Hurdle model is estimated where the information on the household's access to credit is included to estimate the demand and supply of credit. The results suggest that the size of the operational holdings, net-wealth, dependency ratio, educational level of the household and the wages and output prices are important determinants of the demand and supply of credit for farm households. The Double Hurdle model confirms that the 'size of land owned' plays a crucial role in whether the household has access to a loan or not.

Place, publisher, year, edition, pages
2007. Vol. 39, no 21, 2681-2692 p.
Keyword [en]
rural credit markets
National Category
Economics and Business
URN: urn:nbn:se:uu:diva-15137DOI: 10.1080/00036840600749516ISI: 000253263900001OAI: oai:DiVA.org:uu-15137DiVA: diva2:42908
Available from: 2008-02-05 Created: 2008-02-05 Last updated: 2013-08-06Bibliographically approved

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Bali Swain, Ranjula
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