Rural credit: how do the poor see It?
Abstract
Rural banks notwithstanding, the poorest
of the poor in the continually droughtprone
regions still prefer the village
moneylenders. How is it that the poor
persist in this exhorbitant and exploitative
exchange when the rural banks are
not far away? Why is it that, after nine
years of 'integrated approach' towards
rural development, the plight of the poor
remains unchanged ? There is an
alarming mismatch between the official
bankers' views on rural credit and those
of the poor. Correcting this requires
serious monitoring of how the poor view
rural credit.
In this article based on careful field
observation, Anil K Gupta and Manu
Shroff present the viewpoints of the poor
and draw implications
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