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Financial Access in Post-Reform India$
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T.A. Bhavani and N.R. Bhanumurthy

Print publication date: 2012

Print ISBN-13: 9780198076650

Published to Oxford Scholarship Online: September 2012

DOI: 10.1093/acprof:oso/9780198076650.001.0001

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Financial Access: Household-level Evidence

Financial Access: Household-level Evidence

(p.76) 5 Financial Access: Household-level Evidence
Financial Access in Post-Reform India

T.A. Bhavani

N.R. Bhanumurthy

Oxford University Press

Chapter 5 focuses on the empirical analysis of financial access at the level of households. Initially, it presents evidence for the availability of financial services in the Indian villages. This is followed by the analysis of evidence for financial access at household level in terms of having bank accounts and availing financial resources for business investment purpose. Empirical analysis indicates that many Indian villages had to have physical access to financial services and a large proportion of households had to have a bank account—a pre-requisite to avail financial services offered by banks. This was reflected in the smaller percentage of households that availed of loan from the formal financial system and their large financial resource gap. One finds wide variation across the states in these two aspects of financial access. The chapter concludes that there exists not only limited financial access but also unequal access across households.

Keywords:   financial access, financial services, physical accessibility, banking services, village facilities, household borrowings, credit agencies, household analysis, state-level analysis, financial resource gap

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