农村经济中的借款人:农户信用契约分析

Q1 Arts and Humanities

Asia-Pacific Social Science Review Pub Date : 2010-07-01 DOI:10.3860/APSSR.V10I1.1582

Tanmoyee Banerjee, Chandralekha Ghosh, Malabika Roy

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引用次数: 2

摘要

本研究显示了不同的借款人具体的社会经济、政治和人口特征对从正式来源获得贷款的可能性及其规模的影响。我们还研究了这些因素对关联贷款合同的影响。这项研究是基于在印度西孟加拉邦北部的24个帕尔加纳斯进行的一项初步调查。我们观察到，职业类别、政治认同和经济地位是从正规贷款机构获得贷款的重要决定因素。另一个重要的观察结果是，在捆绑贷款市场中存在信贷劳动力相互联系。大多数穷人更有可能获得捆绑贷款。

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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Borrowers in a Village Economy: An Analysis of Credit Contracts Across Rural Households

The present study shows the impact of different borrower specific socio-economic, political and demographic characteristics on the probability that a loan will be taken from formal sources as well as on its size. We also study the impact of such factors on interlinked loan contracts. The study is based on a primary survey conducted in 24 Parganas (North), West Bengal, India. We observe that occupational categories, political identification, and economic status are the important determinants of loans taken from formal lending institutions. Another important observation is the existence of credit labour interlinkage in a tied loan market. Mostly poorer people have a higher probability of taking a tied loan.

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来源期刊

Asia-Pacific Social Science Review Arts and Humanities-History

CiteScore

1.40

自引率

0.00%

发文量

期刊介绍： The Asia-Pacific Social Science Review (APSSR) is an internationally refereed journal published biannually (June and December) by De La Salle University, Manila, Philippines. It aims to be a leading venue for authors seeking to share their data and perspectives on compelling and emerging topics in the social sciences with, and to create an impact on, the region’s communities of academics, researchers, students, civil society, policymakers, development specialists, among others. Topics related to or with implications for the region that are pursued employing sound methodologies and comparative, and inter, multi and transdisciplinary approaches are of particular interest.