fbpx

Working Paper

Compensating for Institutional Exclusion? Lessons from Indian Government and Non-Government Credit Interventions for the Poor

Published on 1 January 1996

This paper conceptualises poverty as the product of multiple, and frequently interlocking, forms of institutional exclusion and focuses on the exclusion of the poor from mainstream financial institutions in India in order to analyse the rules, norms and procedures by which this occurs.

It compares the efforts of government and non-government agencies to compensate for this through alternative credit programmes and draws out lessons for policy makers. It concludes that no uniform set of interventions can meet the needs of all the poor. While credit interventions can address a range of immediate poverty needs, they are only effective as the basis of sustainable livelihoods among those with prior complementary resources. For others, employment generation and straightforward safety nets remain important elements of a broad-based poverty reduction strategy.

Authors

Image of Naila Kabeer

Naila Kabeer

Emiritus Fellow

Publication details

published by
IDS
authors
Kabeer, N. and Murthy, R.J.
journal
IDS Discussion Paper, issue 356
isbn
1 85864 094 6

Share

About this publication

Region
India

Related content