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Leveraging Evidence for Access and Development
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Credit

CREDIT

CREDIT

Improving access to financial services among the nation’s many unbanked citizens is a priority for the Government of India. It is estimated that nearly one fourth of India’s population does not have access to formal banking services. Access to credit is particularly lacking among rural poor households in India. Reliable and secure forms of credit can provide individuals with opportunities to make investments that build income and contribute to the larger economic development.

Researchers at IFMR LEAD’s Centre for Microfinance (CMF) have studied financial access among rural households across several regions in India to learn which types of credit are most prevalent and how these services are utilized. Findings from these studies have helped develop effective credit products and programmes for rural poor households in India. Researchers are also working to understand how new models of outreach and technology might enhance take-up of formal and semiformal credit products to improve financial inclusion among rural poor households.

Related Projects

Impact Evaluation on Savings Training on Microcredit Groups in Rural India

EXPERIMENTS ON REPAYMENT SCHEDULES IN VWS, WEST BENGAL

THE IMPACT OF ACCESS TO FINANCE IN RURAL TAMIL NADU: EVIDENCE FROM A RANDOMIZED CONTROL TRIAL

Flexible repayment schedules for dairy clients in KAS Foundation (Completed)

Incentivizing Calculated Risk-Taking: Evidence from Experiments with Commercial Bank Loan Officer

The Economic Returns to Social Interaction: Experimental Evidence from Microfinance

Understanding the Psychology of Mass Default: A Case Study of Eastern Maharashtra

BARRIERS TO BASIC BANKING: RESULTS FROM AN AUDIT STUDY IN SOUTH INDIA

ACCESS TO CREDIT, FEMALE EMPOWERMENT AND FERTILITY IN URBAN INDIA

IMPACT EVALUATION OF SPANDANA’S MICRO-CREDIT PROGRAM

STUDY OF GOLD-LOAN MARKET AS AN ALTERNATIVE SOURCE OF CREDIT FOR LOW-INCOME HOUSEHOLDS

Access to Finance in Andhra Pradesh

Equity Investment in Microfinance

Microloans, Bednets and Malaria: Evidence from a Randomized Controlled Trial in Orissa

VERTICAL MOBILITY IN ACCESS TO FINANCE: A STUDY ON LONG-TERM MICROFINANCE CLIENT GRADUATION

The Importance of Social Networks in Determining the Uptake of Microfinance

Evaluating the Impact of Providing Information about Future Prices

Evaluating the Impact of Health Services on Recipients of Livelihoods Support

Financing Practices in SHG

Usage and Delivery Channels of Kisan Credit Card

Impact Evaluation of Hand-in-Hand Self-Help Group Programme

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