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 Micro Borrowing an Amalgam of Structure and Strategy: Evidence from India Subject The topic of the resource borrowing behaviour; credit purposes; credit sources; Micro-borrowing; repayment; strategy Description An account of the resource Micro borrowing was either an outcome of structure in the credit environment (termed the outreach stream), or a strategic response of the borrowers (termed the sustainability stream). Furthermore, borrower personal effects drove borrowing behaviour. This study draws variables from both the streams of literature and tests them against the amount borrowed and purposes loans are borrowed for. Results show how borrowing behaviour is neither an outcome of pure structure nor pure strategy, but rather, is an interplay of both, and further influenced by personal effects. The survey data (consisting of 839 rural borrower responses, from four districts of erstwhile Andhra Pradesh in South India) was subjected to a rigorous statistical analysis. Results show how a larger number of banks in the villages (a structural constraint), enabled the borrowers to receive larger loans, who defaulted more (a strategic response). Men borrowed larger sums (a personal effect). A similar amalgam of structure, strategy and personal effects drive borrowing behaviour even after controlling for loan purpose and district fixed effects. Yet, when district effects are introduced, amount borrowed is agnostic to personal effects, and is driven purely by structure and strategy. JEL Classifications: C25, C83, G51, Z13 2022 SAGE Publications India Pvt. Ltd. Creator An entity primarily responsible for making the resource Koride P. Source A related resource from which the described resource is derived Studies in Microeconomics Publisher An entity responsible for making the resource available SAGE Publications Ltd Date A point or period of time associated with an event in the lifecycle of the resource 2022-01-01 Identifier An unambiguous reference to the resource within a given context <a href="https://doi.org/10.1177/23210222221115315" target="_blank" rel="noreferrer noopener">https://doi.org/10.1177/23210222221115315</a> <br /><br /><a href="https://www.scopus.com/inward/record.uri?eid=2-s2.0-85136027419&amp;doi=10.1177%2F23210222221115315&amp;partnerID=40&amp;md5=297b4cbe475dac0e8f7238de2a2a1bbe" target="_blank" rel="noreferrer noopener">https://www.scopus.com/inward/record.uri?eid=2-s2.0-85136027419&amp;doi=10.1177%2f23210222221115315&amp;partnerID=40&amp;md5=297b4cbe475dac0e8f7238de2a2a1bbe</a> Rights Information about rights held in and over the resource Restricted Access Relation A related resource ISSN: 23210222 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., Christ (Deemed to be University, Karnataka, Bengaluru, India