Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Title A name given to the resource Articles Article Faculty Publications -Articles Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Title A name given to the resource Formal banks, semi-formal SHGs or informal moneylenders, who is better? a study of borrower credit preference in India Subject The topic of the resource Agency theory; banks; moneylenders; preference; self-help groups Description An account of the resource The present study explores the factors driving borrowers preference for formal banks, self-help groups (SHGs) and moneylenders. The study is based on a systematic survey of 839 rural borrowers from southern India, sampled from four districts with varied levels of credit access (surplus, constrained and moderate credit). The data was analysed using multinomial logistic regression in SPSS. Results show how banks and moneylenders exclude borrowers based on relative wealth and gender. SHGs service women borrowers but are preferred more by wealthier borrowers, highlighting intragroup inequalities. Yet, the three lenders service a variety of purposes, justifying their demand in the market. The study enhances understanding of rural borrowers constraints concerning various credit sources. The implications of this study are as follows: one is identifying the lacunae in the formal banking system, which policy amendments could address. Two, the study recommends an investigation of intragroup inequalities within SHGs. Third, the study underscores the demand for multiple players in the rural credit markets and their contribution to the borrowers credit needs. (2024), (Indian Academy of Sciences). All rights reserved. Creator An entity primarily responsible for making the resource Koride P.; Ganesh L. Source A related resource from which the described resource is derived Current Science, Vol-127, No. 2, pp. 182-193. Publisher An entity responsible for making the resource available Indian Academy of Sciences Date A point or period of time associated with an event in the lifecycle of the resource 2024-01-01 Identifier An unambiguous reference to the resource within a given context <a href="https://doi.org/10.18520/cs/v127/i2/182-193" target="_blank" rel="noreferrer noopener">https://doi.org/10.18520/cs/v127/i2/182-193</a> <br /><br /><a href="https://www.scopus.com/inward/record.uri?eid=2-s2.0-85200405943&amp;doi=10.18520%2Fcs%2Fv127%2Fi2%2F182-193&amp;partnerID=40&amp;md5=1d14e7c9f59d7d9f6117f90fcd46fd02" target="_blank" rel="noreferrer noopener">https://www.scopus.com/inward/record.uri?eid=2-s2.0-85200405943&amp;doi=10.18520%2fcs%2fv127%2fi2%2f182-193&amp;partnerID=40&amp;md5=1d14e7c9f59d7d9f6117f90fcd46fd02</a> Rights Information about rights held in and over the resource All Open Access; Gold Open Access Relation A related resource ISSN: 113891; CODEN: CUSCA Format The file format, physical medium, or dimensions of the resource Online Language A language of the resource English Type The nature or genre of the resource Article Coverage The spatial or temporal topic of the resource, the spatial applicability of the resource, or the jurisdiction under which the resource is relevant Koride P., M.S. Ramaiah University of Applied Sciences, University House, New BEL Road, MSR Nagar, Mathikere, Bengaluru, 560 054, India; Ganesh L., Christ (Deemed to be University), Hosur Road, Bhavani Nagar, S.G. Palya, Bengaluru, 560 029, India