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The DOI matches its Crossref record; 17 of the 17 references it cites were found in a registry or an index.

An empirical investigation of rationing constraints in rural credit markets in India

Open access
Kochar, Anjini·1997·Journal of Development Economics

Abstract

The literature on rural credit markets has generally assumed that households are rationed in their access to subsidized ‘formal’ credit. The validity of this assumption depends on the level of effective demand for formal credit, in turn a function of the demand for credit and its availability from ‘informal’ sources. This paper estimates the demand and the sector-specific costs of credit, and hence the extent of formal sector rationing, through an analysis of household participation in both the formal and the informal credit sectors. The results show that the extent of rationing is considerably less than what is conventionally assumed.

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Metadata

Authors
Kochar, A.
Venue
Journal of Development Economics
Publisher
Elsevier BV
Published
1997-08
Volume
53
Issue
2
Pages
339-371
ISSN
0304-3878 (ISSN-L)
OpenAlex
W2093996043
Cited by
309
References
17
FWCI
6.28
Type
journal article
Language
en
Open access
hybrid

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CoChat. (2026). Citation check: An empirical investigation of rationing constraints in rural credit markets in India. https://app.cochat.ai/papers/10.1016/s0304-3878(97)00020-5
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Kochar, A. (1997). An empirical investigation of rationing constraints in rural credit markets in India. Journal of Development Economics. https://doi.org/10.1016/s0304-3878(97)00020-5

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