How access to credit affects selfemployment: Differences by gender during india's rural banking reform

Nidhiya Menon, Yana van der Meulen

Research output: Contribution to journalArticlepeer-review

33 Scopus citations

Abstract

Household survey data for 1983-2000 from India's National Sample Survey Organisation are used to examine the impact of credit on self-employment among men and women in rural labour households. Results indicate that credit access encourages women's selfemployment as own-account 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 self-employment. 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.

Original languageEnglish (US)
Pages (from-to)48-69
Number of pages22
JournalJournal of Development Studies
Volume47
Issue number1
DOIs
StatePublished - Jan 2011

All Science Journal Classification (ASJC) codes

  • Development

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