Real Estate Papers

Document Type

Journal Article

Date of this Version

4-2005

Publication Source

Journal of the European Economic Association

Volume

3

Issue

2-3

Start Page

268

Last Page

278

DOI

10.1162/jeea.2005.3.2-3.268

Abstract

State-led credit and savings programs have been implemented in numerous low income countries, but their success in reaching the poor remains widely debated. We report on research that exploits the policy features of the Indian social banking program to provide evidence on this issue. State-led branch expansion into rural unbanked locations reduced poverty across Indian states. In addition, the enforcement of directed bank lending requirements was associated with increased bank borrowing among the poor, in particular low caste and tribal groups. (JEL: O38, G28)

Copyright/Permission Statement

This is the peer reviewed version of the following article: Burgess, R., Pande, R. and Wong, G. (2005), BANKING FOR THE POOR: EVIDENCE FROM INDIA. Journal of the European Economic Association, 3: 268–278., which has been published in final form at doi: 10.1162/jeea.2005.3.2-3.268. This article may be used for non-commercial purposes in accordance with Wiley Terms and Conditions for Self-Archiving http://olabout.wiley.com/WileyCDA/Section/id-820227.html#terms.

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Date Posted: 27 November 2017

This document has been peer reviewed.