The Demand and Supply of Credit for Households

Abstract: The demand and supply of credit in the rural credit markets is investigated in this paper 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 generalised 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

Standort
Deutsche Nationalbibliothek Frankfurt am Main
Umfang
Online-Ressource
Sprache
Englisch
Anmerkungen
Postprint
begutachtet (peer reviewed)
In: Applied Economics ; 39 (2008) 21 ; 2681-2692

Klassifikation
Wirtschaft

Ereignis
Veröffentlichung
(wo)
Mannheim
(wann)
2008
Urheber
Bali Swain, Ranjula

DOI
10.1080/00036840600749516
URN
urn:nbn:de:0168-ssoar-240053
Rechteinformation
Open Access unbekannt; Open Access; Der Zugriff auf das Objekt ist unbeschränkt möglich.
Letzte Aktualisierung
14.08.2025, 10:48 MESZ

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Beteiligte

  • Bali Swain, Ranjula

Entstanden

  • 2008

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