ICM Bibliography for

References on informal credit markets for India

Other countries currently available include Bangladesh, People's Republic of China, Indonesia, Malaysia, Nepal, Pakistan, Philippines, South Korea, Sri Lanka, and Thailand.

Besides the references listed below, also check those that discuss ICMs in Asia as a whole, or in multiple countries (references are listed along with the countries they cover). I have very few references for non-Asian countries, but hopefully, that will grow too....

Bell, Clive, (1990). "Interactions between Institutional and Informal Credit Agencies in Rural India". World Bank Economic Review, Volume 4, Number 3, pp. 297-327

Bhattacharya, B.B. (1985) Role of Interest Rates as an Incentive for Household Savings in India, 1960-61 to 1981-82. Memeo, New Delhi: Institute of Economic Growth.

Bhole, L.M. (1978). Financial Markets and Institutions: Growth Strucutre and Innovations. New Delhi: Tata McGraw Hill Publishing Co.

Borah, K.C. (1985). Income Expenditure and Savings in Rural India. New Delhi: Mittal Publications.

Bouman, F.J.A. (1989), Small, Short and Unsecured: Informal Rural Finance in India. Delhi: Oxford University Press, 145 pp.

Dagli, Vadilal (Eds.) (1976). Financial Institutions of India. Bombay: Vora Publications.

Das-Gupta, A. (1989). Personal Taxation and Private Financial Savings in India, Mimeo. New Delhi: National Intitute of Public Finance and Policy.

Das-Gupta, A. and S. Ray (1989). Aggregate Demand with Parallel Markets, Mimeo. New Delhi: National Intitute of Public Finance and Policy.

Das-Gupta et.al (1989), Urban Informal Credit Markets in India. New Delhi: National Institute of Public Finance and Policy, February, 585 pp.

Das-Gupta et.al (1989), Reports on Informal Credit Markets in India: Summary. New Delhi: National Institute of Public Finance and Policy, August, 140 pp.

Datar, M.K. (1987), "Some Aspects of Interest Rate Policy in India" in Brahmananda and Panchmuki (eds.) The Developing Porcess of the Indian Economy, New Delhi: Himalaya Publishing House.

Ghatak, Subrata. (1976), Rural Money Markets in India. New Delhi: MacMillan Press of India.

Ghate, Prabhu, (1984). Direct Attacks on Poverty: Policy, Programmes and Implementation. New Delhi: Concept Publishing Company.

Ghosh, D.N. (1979), Banking Policy in India. New Delhi: Allied Publishers.

Goldsmith, R.W. (1983) The Financial Development of India: 1960-77. New Delhi: Oxford University Press.

Gosh, Arun (1989), "Informal Sector Saving Potential". Economic and Political Weekly, April 1, pp. 652-653.

Government of Karnataka (1982) The Chit Funds Act, 1982. Bangalore: Government of Karnataka Press, 62 p.

Government of Karnataka (1968) The Karnataka Societies Registration Act with Rules 1961 Bangalore: Government of Karnataka Press, 23 p.

Government of Karnataka (1962) The Karnataka Money-Lenders Act with Rules 1961 Bangalore: Government of Karnataka Press, 60 p.

Gupta, Anil (1987), "Banks-NGO-Poor Interface in Backward Regions: Alternatives for Action". Draft Journal Article.

Iqubal, Farukh (1988), "The Determinants of Money Lender Interest Rates: Evidence from Rural India" The Journal of Development Studies, Volume 24, Number 3, April, pp. 364-378.

Jha, Gangadhar (1984), "Revolving Fund as a Technique of Financing Land Development: A Critique" Naraglok, Vol.16, No.4, October-December, pp. 63-78.

Kabra, K.N. (1982). The Black Economy in India: Problems and Polices. New Delhi: Chanakya Publishers.

Krishnamurthy, S. and S. Saibaba (1981), Savings Behaviour in India: Verfication of Some Explanatory Hypothesis. New Delhi: Institute of Economic Growth.

Lall, V.D. (1984), Housing Finance in India. New Delhi: National Institute of Public Finance and Policy.

Lall, V.D. (1989). Resource Mobilization: International Experiences of the Informal Sector. New Delhi: Society for Development Studies.

Lall, V.D. (1988), "Savings in the Midst of Urban Poverty: Need for a New Approach to Assess Urban Poverty" Nagarlok Vol XX, No.4, October-December, pp. 11-21.

Mamoria, C.B. Rural credit in India. New Delhi: Kitab Mahal.

Marudachalam, V.M. (1991), "Slum Finance in Madras, India" Habitat International, Vol. 15, No.1/2, pp. 239-246.

Narang, R.C. and K. Wadhwa (1984) Encyclopedia of All India Chit Funds Act and Rules. New Delhi: Wadwa Publishing House.

Nayar, C.P.S. (1973). Chit Finance: An Exploratory Study of Unregulated Banks. Bombay: Vora and Co.

Nayar, C.P.S. (1982), "Finance Corporations: An Informal Financial Intermidiary in India" Savings and Development, Volume VI, Number 1, pp. 5-39.

Nayar, C.P.S. (1986), "Can Traditional Financial Technologies co-exist with Modern Financial Technologies?: The Indian Experience", Savings and Development, Volume X, Number 1, pp. 31-56.

NBARD (1992), Guidelines for the Pilot Project for Linking Banks with Self-Help Groups: Circullar to All Commercial Banks. Development Policy Department, Circular no. DPD/104 dated 26 February, 1992.Bombay: National Bank for Agriculture and Rural Development.

Prakash, B.A. (1984), "Private Financing Firms in Kerala: A Study". Economic and Political Weekly, Vol.XIX, No.50, December 15, pp. 2129 - 2133.

Rajshekar D. (1993), "Structural Adjustment Programme and Co-ops" Financial Express Tuesday, June 1 1993.

Rajshekar D. (1993), "Confusing Signals on Rural Credit" Financial Express August 25, 1993.

Rajshekar D. (1993), Linking Two Worlds: Will Links between Banks and Voluntary Credit Groups Work? Draft Article. 13 p.

Rajshekar D. (1988), Private Financing Firms in Karnataka: A Boon for Tax Dodgers. Trivandrum: Working Paper No. 228, Centre for Development Studies, June, 30 pp.

RBI (1991), Improving Access of Rural Poor to Banking - Role of Intervening Agencies: Self Help Groups RBI Circular to All Scheduled Commercial Banks dated 24 July, 1991. Bombay: Rural Planning and Credit Department, Reserve Bank of India, 3 p.

Roth, H.D. (1983). Indian Moneylenders at Work. South Asia Institute, New Delhi: Manshar Publications.

Shah, Kirtee (1993), "On Low Repayment". Open Letter to the Chairman of HUDCO. SELAVIP, April, 1993.

Srinivas, Hari (1991), Viability of Informal Credit to Finance Low-income Housing: A Case Study of Three Squatter Settlements in Bangalore City, India. Bangkok: Unpublished Master's Degree Thesis Report, Division of Human Settlements Development, Asian Institute of Technology, November, 225 pp.

Srinivas, Hari (1991), A Review of Informal Credit Market Studies: Final Report. Unpublished Special Study Assignment. Bangkok: Asian Institute of Technology, March 34 p.

Sundaram, K. and V. Pandit (1984), "Informal Credit Markets, Black Money and Monetary Policy: Some Analytical and Emperical Issues" Economic and Political Weekly, Vol. XIX, No. 16, April 21, pp. 675-682.

Timberg, Thomas, A. The Marwaris. New Delhi: Vikas Publishing.

Timberg, T.A. and C.V.Aiyer (1984), "Informal Credit Markets in India" Economic Development and Cultural Change Vol. 33, No.1, October, pp. 43-59.

Timberg, T. and C.V.Aiyer (1980), "Informal Credit Markets in India" Economic and Political Weekly, Annual Number, February, pp. 279-302.

Wadhwa, Kiran (1987), Private Sector and Urban Housing Markets. New Delhi: National Institue of Public Finance and Policy.

Hari Srinivas - hsrinivas@gdrc.org
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