Improving Access to Finance for India's Rural Poor.

Improving Access to Finance for India's Rural Poor.

Finance is an extraordinarily effective tool in spreading economic opportunity and fighting poverty. India has a relatively deep financial system and wide network of rural banks. But India?s financial markets and institutions have not served poor people well; despite improvements in the delivery of...

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Bibliographic Details
Format: Electronic eBook
Language:English
Published: World Bank Group 2006.
Subjects:
Finance > India.
Microfinance > India.
Rural poor > India.
Financial institutions > India.
Online Access: Full text (Wentworth users only)
Local Note:ProQuest Ebook Central
Table of Contents:
  • Cover
  • Contents
  • Foreword
  • Acknowledgments
  • Abbreviations and Acronyms
  • Executive Summary
  • 1. Introduction
  • India's Rural Finance Landscape
  • Notes
  • 2. Access to Rural Finance in India: The Evidence
  • Supply-Side Indicators of Access to Finance
  • Access to Rural Finance: Evidence from the Demand Side
  • Notes
  • 3. What Constrains Access to Finance for India's Rural Poor?
  • Why Banks Are Reluctant to Lend to Rural Clients
  • Why Do Small Rural Borrowers Find Rural Banks Unattractive?
  • Notes
  • 4. Recent Efforts in India to Improve Rural Access to Finance: The Role of Formal ... Informal Linkages and New Products
  • SHG-Bank Linkage Approach: Linking Commercial Banks to Grassroots Borrowers
  • Microfinance Institutions
  • The "Service Provider" Model of Microfinance Piloted by Private Banks
  • The Kisan Credit Card
  • Recent Innovations in Micro- and Weather Insurance
  • Price-Insurance and Risk-Management Products for Farmers
  • Notes
  • 5. Meeting the Challenge of Scaling Up Access to Finance for India's Rural Poor: The Policy Agenda
  • Making the Formal Financial Sector Better at Banking the Rural Poor
  • Scaling Up Microfinance
  • Notes
  • Appendixes
  • 1 Structure of India's Financial Sector
  • 2 World Bank/NCAER Rural Finance Access Survey (2003)
  • 3 Retail Rural Finance Institutions: Summary Review of Performance
  • 4 Apex Rural Finance Institutions
  • 5a Regulation of Rural Banking"Select International References
  • 5b Supervision of Rural Banking"Select International References
  • 6 Rural Banking Crises and Policy Reform"Recent International Experiences
  • 7 Enabling Framework for MFIs"Demands from the Sector
  • 8 Summary of Recommendations of Recent Government Committees on Formal RFI Reforms
  • Bibliography
  • Index
  • Boxes
  • 3.1 Income and Expenditure Patterns of India's Rural Poor
  • 3.2 Rural Banking"Government's Omnipresence
  • 4.1 How Successfully Has SHG ... Bank Linkage Targeted the Poor?
  • 4.2 Kisan Credit Cards: Making Inroads
  • Figures
  • ES.1 Low Access to Formal Finance
  • 2.1 International Comparisons of Area Covered per Branch
  • 2.2 Insurance Penetration Across Countries in 2000
  • 2.3 Credit Distribution by Regional Income
  • 2.4 Deposit Distribution by Regional Income
  • 2.5 Branch Distribution by Regional Income
  • 2.6 Branch Distribution by Regional Population
  • 2.7 Population per Branch Across Regions, 2002
  • 2.8 Low Access to Formal Finance, RFAS 2003
  • 2.9 Distribution of Accounts
  • 2.10 Credit Outstanding by Source
  • 3.1 Status of Rural Banks in India
  • 3.2 RFIs: Profitability (Return on Assets)
  • 3.3 Credit Outstanding by Source
  • 3.4 Deposits of Rural Finance Institutions"Costs and Significance
  • A3.1 International Comparison of Government-Owned Bank Assets
  • A3.2 Status of Rural Banks in India
  • A3.3 Credit Outstanding by Source
  • A3.4 RRBs: Asset Composition Trends
  • A3.5 Deposits of RFIs: Costs and Significance
  • A3.6 RFIs: Profitability (Return on Assets)
  • A3.7 RFI Capital Base Across Regions
  • A3.8 RFI Profitability Across Regions
  • A3.9 RRBs:Variations by Sponsor Banks
  • Tables
  • 2.1 Coverage of Bank Branches
  • 2.2 Regional Differences in Financ.

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