This book examines the important issue of rural and urban
indebtedness using two important surveys viz., "All India Debt and
Investment Survey," and the "Situation Assessment Survey (SAS)," of
the farmer households. The work highlights the nature and extent of
indebtedness at the national level and also for selected states in
India. It takes into consideration various households level
characteristics such as economic status of the household, social
status and weaker sections such as female headed households.The
analysis draws attention to a number of significant aspects such as
extent of use of loan for different purposes distinguished as
different income generating and non- income generating purposes;
the relation between sources of credit (formal vs. informal), terms
and conditions of a loan and economic and social status of a
household, and so on. It stressed the necessity of strengthening
the Self Help Group Bank Linkage Programme and similar programmes
for farmer groups which can be an effective means to bring weaker
and deprived sections to the net of the formal banks and strengthen
the financial inclusion programme.
General
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