Credit from whom and for what? : The diversity of borrowing sources and uses in rural Southern India

Guerin Isabelle, Roesch Marc, Venkatasubramanian Govidan, D'Espallier Bert. 2012. Credit from whom and for what? : The diversity of borrowing sources and uses in rural Southern India. Journal of International Development, 24 (1), suppl., S122-S137

Journal article ; Article de revue à facteur d'impact
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Quartile : Q3, Sujet : PLANNING & DEVELOPMENT

Liste HCERES des revues (en SHS) : oui

Thème(s) HCERES des revues (en SHS) : Economie-gestion

Abstract : This article aimed to deepen understandings of poor household borrowing practices by drawing on a case study from rural Southern India. It combines descriptive statistics and qualitative analysis to show that households juggle with a wide range of borrowing sources and that each serves very specific purposes. From a theoretical perspective, we suggest that the neoclassical cost/benefit framework often used to analyse debt decisions should be enlarged to include social criteria in line with recent insights from economic anthropology and political economy. From a policy perspective, we argue that all things being equal, local financial arrangements might have important comparative advantages over traditional microfinance products. (Résumé d'auteur)

Mots-clés Agrovoc : Financement, Crédit, Secteur informel, Analyse de système, Ménage, Zone rurale, Pauvreté, Environnement socioculturel, Anthropologie sociale, Analyse économique, Étude de cas

Mots-clés géographiques Agrovoc : Inde

Classification Agris : E13 - Investment, finance and credit
E80 - Home economics and crafts

Champ stratégique Cirad : Axe 5 (2005-2013) - Politiques publiques, pauvreté et inégalités

Auteurs et affiliations

  • Guerin Isabelle, IRD (FRA)
  • Venkatasubramanian Govidan, Institut français de Pondichéry (IND)
  • D'Espallier Bert, Vrije Universiteit Brussel (BEL)

Source : Cirad - Agritrop (

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