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Centre for Micro Finance at IFMR Research. Access to Finance in Rural Andhra Pradesh, 2009 Doug Johnson and Sushmita Meka. The Survey. First survey of household access to finance which: includes information on microfinance

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Centre for micro finance at ifmr research

Centre for Micro Finance at IFMR Research

Access to Finance in Rural Andhra Pradesh, 2009

Doug Johnson and Sushmita Meka


The survey
The Survey

First survey of household access to finance which:

  • includes information on microfinance

  • is representative of an entire state’s (Andhra Pradesh) rural population

  • discloses data publicly


Objective
Objective

We wanted to learn more about:

  • The state of financial inclusion in rural areas

  • The number of people reached by various types of financial service providers.

  • The demographic and economic characteristics of the clients of various financial service providers (as well as the unbanked).


Methodology
Methodology

Survey details:

  • 8 districts (randomly selected from 22 districts of AP)

  • 64 villages (randomly selected from these 8 districts)

  • 1920 households (randomly selected from the 64 villages)

Survey conducted in June to November 2009 using a rigorous random sampling methodology









Multiple borrowing1
Multiple Borrowing

  • Multiple borrowing also prevalent among the better off (represented by higher PPI scores)

  • Many cases of multiple borrowing appear to be driven by an inability to obtain sufficient credit from a single source

    • A large share of households with multiple loans outstanding took two or more loans in the same month for the same purpose indicating that they are unable to fulfill their credit needs from one single source






Thank you Type

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