Determinants of Microfinance Outreach in India: Empirical Evidence

Sivagandhi Saravanan and K.R. Shanmugam

Applied Economics Quarterly (formerly: Konjunkturpolitik), 2020, vol. 66, issue 2, 165-178

Abstract: Using a panel data on the Microfinance-Bank Linkage Program (2008–2015), this paper examines the determinants of the program’s outreach. The results indicate that microfinance outreach has not been a key indicator for addressing economic and social issues. The study underscores that the program favors income-rich rather than poor states: the average loan is correlated with higher per capita income and high economic growth at the state level. Literacy, NPA, and bank ownership also matter in determining microfinance outreach.

Keywords: Microfinance Outreach; Self-Help; Bank Linkage; Arellano-Bond Estimation (search for similar items in EconPapers)
JEL-codes: C33 G21 (search for similar items in EconPapers)
Date: 2020
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