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Land as collateral in India

Sudha Narayanan and Judhajit Chakraborty ()
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Judhajit Chakraborty: Michigan State University

Indira Gandhi Institute of Development Research, Mumbai Working Papers from Indira Gandhi Institute of Development Research, Mumbai, India

Abstract: Land is often regarded as a crucial factor enabling credit access because it serves as an ideal collateral, for both borrowers and lenders. Yet in reality, in developing countries like India land is not used as collateral for a variety of reasons. This paper maps the use of land as collateral for borrowings by Indian households using a nationally representative survey of households, the All India Debt and Investment Survey (AIDIS) of 2012-13. The goal of the paper is to document the extent and patterns of use of land as collateral. We supplement this with insights from a field survey in select talukas of Maharashtra that examines borrower perceptions of use of land as collateral.

Keywords: Land; collateral; credit; India; household finance; land records (search for similar items in EconPapers)
JEL-codes: Q15 (search for similar items in EconPapers)
Pages: 24 pages
Date: 2019-02
New Economics Papers: this item is included in nep-ban
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Persistent link: https://EconPapers.repec.org/RePEc:ind:igiwpp:2019-006

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