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

Guerin I., Roesch M., Venkatasubramanian G., D'Espallier B.. 2012. Journal of International Development, 24 (1) : S122-S137.

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 : Étude de cas; analyse économique; anthropologie sociale; environnement socioculturel; pauvreté; zone rurale; ménage; analyse de système; secteur informel; crédit; financement; inde

Thématique : Investissements, financement et crédit; Economie familiale et artisanale

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