Financial inclusion in India: How far do grassroots institutions matter?

IF 16.4 1区化学 Q1 CHEMISTRY, MULTIDISCIPLINARY

Accounts of Chemical Research Pub Date : 2024-04-18 DOI:10.1002/jid.3897

Shika Saravanabhavan, Meenakshi Rajeev

引用次数: 0

Abstract

Though the relevance of grassroots institutions for financial inclusion (FI) is widely recognised, we still do not fully understand its differential effect on FI, particularly in relation to commercial banks. To investigate this issue, we consider the household's moneylender dependence as an indicator of financial exclusion and thus our outcome variable. Further, we have developed FI indices using indicators of commercial and cooperative banks, which we used as explanatory variables in our analysis. Our results show that, while there is a decreased dependence on moneylenders even at low levels of FI through cooperatives, commercial banks show an inverted U-shaped relationship implying a decreasing effect only after a threshold level.

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印度的金融包容性：基层机构有多重要？

尽管基层机构与金融包容性（FI）的相关性已得到广泛认可，但我们仍未充分了解其对金融包容性的不同影响，尤其是与商业银行的关系。为了研究这个问题，我们将家庭对放贷人的依赖性视为金融排斥的指标，因此也是我们的结果变量。此外，我们还利用商业银行和合作银行的指标制定了金融排斥指数，并将其作为分析中的解释变量。我们的结果表明，即使通过合作银行获得较低水平的金融信息，对放债人的依赖程度也会降低，而商业银行则呈现倒 U 型关系，这意味着只有在达到临界水平后才会产生递减效应。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Accounts of Chemical Research 化学-化学综合

CiteScore

31.40

自引率

1.10%

发文量

312

审稿时长

2 months

期刊介绍： Accounts of Chemical Research presents short, concise and critical articles offering easy-to-read overviews of basic research and applications in all areas of chemistry and biochemistry. These short reviews focus on research from the author’s own laboratory and are designed to teach the reader about a research project. In addition, Accounts of Chemical Research publishes commentaries that give an informed opinion on a current research problem. Special Issues online are devoted to a single topic of unusual activity and significance. Accounts of Chemical Research replaces the traditional article abstract with an article "Conspectus." These entries synopsize the research affording the reader a closer look at the content and significance of an article. Through this provision of a more detailed description of the article contents, the Conspectus enhances the article's discoverability by search engines and the exposure for the research.