Examining institutional credit access among agricultural households in Eastern India: trends, patterns and determinants

What is it about?

An efficient rural credit system is critical to make agriculture a sustainable livelihood option for farmers in developing countries like India. Access to credit is strongly associated with the socioeconomic and demographic characteristics of agricultural households. However, most farmers, especially in the eastern states of India, lack access to institutional credit despite the government’s attempts to include them in the ambit of formal financial services. Extending institutional credit to small and marginal farmers would help to develop agriculture in eastern India.

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