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Journal of Social Welfare and Management

Volume  12, Issue 1, January-March 2020, Pages 25-31
 

Original Article

Antecedents of Dependence on Informal Credit by Rural Households: Evidences from Kerala

Jean Mary Aruja, S Santhosh Kumar,

1 Research Assistant, 2 Professor, School of Management Studies, Cochin University of Science and Technology, Kalamassery, Kochi, Kerala 682022, India.

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DOI: http://dx.doi.org/10.21088/jswm.0975.0231.12120.3

Abstract

Informal credits are penetrating into the normal life of rural households in an unprecedented manner. There are several factors which influence rural households to borrow money from informal lenders at a rate unusually higher than the normal rate. This study identifies the antecedents of dependence on informal credit using empirical evidences from rural households in Kerala. Quick access to informal credit, poor access to formal credit and consumerism are found to be the factors influencing rural households for dependence on moneylenders.

 


Keywords : Rural credit; Informal credit; Moneylenders; Rural households; Kerala.
Corresponding Author : S Santhosh Kumar