Financial services for the rural poor and women in India: access and sustainability.
Financial services for the rural poor and women in India: access and sustainability.
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DOI：
10.1002/(sici)1099-1328(199603)8:2
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发表时间：
1996-01-01
影响因子：
1.4
通讯作者：
Ramola, B. G.
中科院分区：
文献类型：
--
作者：
Mahajan, V.;Ramola, B. G.
根据世界银行委托进行的一项研究，本文审查了印度金融机构在向农村穷人提供服务方面的业绩，并探讨了随着该国推进金融部门改革，决策者和机构面临的关键问题。概述了机构业绩的两组因果变量：（一）内部做法态度;（二）加强或阻碍农村穷人和妇女获得服务的客户接口机制。这两个变量在很大程度上都在金融机构的控制范围内。这项研究旨在确定这些变量的变化，以改善农村穷人获得金融服务的机会。然而，结论是，农村金融机构面临着一系列的制约因素，这些制约因素基本上超出了它们的控制范围，任何试图制定可行和可持续的办法来改善农村穷人获得金融服务的机会的努力，都需要解决一系列宏观政策问题，包括非政治化、所有权和治理，以及监管问题。
Based on a study commissioned by the World Bank, the paper reviews the performance of Indian financial institutions in providing services to the rural poor and examines the key issues facing policy makers and institutions as the country moves forward on financial sector reforms. Two sets of causal variables for institutional performance are outlined: (i) Internal Practices Attitudes (IPAs); and (ii) mechanisms for client interface that either enhance or thwart access by the rural poor and women (MEAs). Both of these variables are largely within the control of the financial institutions. The study seeks to identify changes in these variables that could improve access to financial services by the rural poor. It is concluded, however that rural financial institutions are faced with a hierarchy of constraints, largely beyond their control, and any attempt at developing workable and sustainable approaches to improved access of the rural poor to financial services will need to address a whole range of macro-policy issues including depoliticization, ownership and governance in addition to regulatory issues.