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Tuesday 25 June 11:30

Socially Disadvantaged Groups and Microfinance in India

Journal article
Authors J. M. Baland
Rohini Somanathan
L. Vandewalle
Published in Economic Development and Cultural Change
Volume 67
Issue 3
Pages 537-569
ISSN 0013-0079
Publication year 2019
Published at Department of Economics
Pages 537-569
Language en
Links dx.doi.org/10.1086/698310
Keywords self-help groups, methodological analysis, segregation, microcredit, savings, save, Area Studies, Development Studies, Business & Economics
Subject categories Economics

Abstract

About two-thirds of microfinance clients in India are reported to be in self-help groups (SHGs). We study the survival of members and groups and their differential access to credit using a census of SHGs created between 1998 and 2006 in 386 villages in eastern India. Households without land and those from disadvantaged castes exhibit higher attrition rates and smaller loans, but the main predictor of differential outcomes is education. Members with formal education receive larger loans and are more likely to remain a group member. Groups with no such members are also four times more likely to become inactive.

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