How Access to Credit Affects Self-Employment: Differences by Gender during India’s Rural Banking Reform
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چکیده
Household survey data for 1983-2000 from India’s National Sample Survey Organization are used to examine the impact of credit on self-employment among men and women in rural labor households. Results indicate that credit access encourages women’s self-employment as ownaccount workers and employers, while it discourages men’s self-employment as unpaid family workers. Ownership of land, a key form of collateral, also serves as a strong predictor of selfemployment. Among the lower castes in India, self-employment is less likely for scheduled castes prone to wage activity, but more likely for scheduled tribes prone to entrepreneurial work.
منابع مشابه
How Access to Credit Affects Self-Employment: Differences by Gender during India’s Rural Banking Reform
This study uses a pooled sample of household survey data collected by India’s National Sample Survey Organization between 1983 and 2000 to examine the impact of access to credit on self-employment among men and women in rural labor households. Results indicate that access to credit encourages women’s self-employment as own-account workers and employers, while it discourages men’s self-employmen...
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