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Journal of Indian Institute of Management Bangalore

IIM Bangalore offers Degree-Granting Programmes, a Diploma Programme, Certificate Programmes and Executive Education Programmes and specialised courses in areas such as entrepreneurship and public policy.

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The Indian Institute of Management Bangalore (IIMB) believes in building leaders through holistic, transformative and innovative education

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Accessing Institutional Finance: A Demand Side Story for Rural India

Local Area Bank

Author(s) Name: Rajalaxmi Kamath, Arnab Mukherji & Maria Sandstrom

Journal Name : Economic & Political Weekly

Volume : Vol. 15, No. 3, PP 56-62, 2010, September 2010

Year of Publication : 2010

Abstract :Under the Reserve Bank of India's "financial inclusion" campaign, the provision of institutional finance has been progressing at differential rates across the country. However, when we pair administrative banking data on availability of bank branches in a state with the All India Debt and Investment Survey (2002-03) capturing both institutional and non-institutional borrowing by households, we find that states with the most access to institutional finance, or supply, are not necessarily the ones with the most demand for finance.