Online Thesis Search Results

TITLE
CERTIFICATE
DECLARATION
ACKNOWLEDGEMENT
CONTENTS
LIST OF TABLES
LIST OF CHARTS
ABBREVIATIONS
KOCHI CITY MAP
I. INTRODUCTION
1.1 Informal Credit Markets: Meaning and Evolution
1.2 Statement of the Problem
1.3 Objective of the Study
1.4 Hypotheses
1.5 Methodology
1.1 Registered Moneylenders in Kochi City
1.2 Registered Moneylenders in City Suburbs
1.3 Registered Chitty Operations in Kochi City
1.4 Registered Chitty Operations in City Suburbs
1.5.1 Data Collection and Sample
1.5 Selection of Sample Registered Moneylenders
1.6 List of Sample of Registered Chitty Fund Operators
1.7 List of Sample of Unregistered Moneylenders / Chit Funds
1.6 Importance and limitations of the Study
1.7 Plan of the Study
II. INFORMAL CREDIT MARKETS AN OVERVIEW
2.1 Models of informal Credit Markets - A Review
2.2 Size of Informal Credit Markets
2.1 Size of ICMs in Selected Developing Countries
2.3 Size of Informal Credit Markets in India
2.1 Volume of Institutional and Non-institutional Credit in Urban and Rural Areas of India (1981-82)
2.2 Percentage of Loan Outstanding
2.3 Estimate of Credit Extended by Selected Informal Lenders
2.4 Total Lending by Corporate and Non-corporate Segment of ICM
2.5 Total Amount of Loan Advanced by 24 Firms in 1984
2.6 Indigenous Credit System and Volume of Credit They Extend
2.4 Segmentation in Informal Credit Markets
2.5 Nature of Interest Rates
2.7 Non -institutional Interest Rates in Some Countries
2.2 Cost Components of Types of Loans
2.6 Deposit Mobilisation
2.8 Types of Deposits From Public (1984-1985)
2.9 Sources of Fund of Selected ICM Intermediaries
2.7 Relation Between Formal and Informal Credit Markets
2.8 Transaction Cost Advantages
2.9 Informal Credit Markets and Urban Informal Sector
2.10 Restrictive Measures and Informal Credit Markets
2.11 Conclusion
III. CONCEPTUAL FRAMEWORK
3.1 Absence of Regulation as a Criterion
3.2 Informality of Operation as a Criterion
3.3 Conceptual Framework - Indian Context
3.4 Working Definition and Its Justification
3.5 Conclusion
IV. STRUCTURE AND DYNAMICS OF INFORMAL CREDIT MARKET
4.1 Distribution of Lending Firm by Various Categories
4.1 Type of Business in ICM Across Various Sectors
4.1.1 Registered Moneylenders
4.1 Distribution of Registered Moneylenders
4.1.2 Registered Chit Funds
4.1.3 Unregistered Category
4.1.3.1 Unregistered Moneylenders
4.1.3.2 Unregistered Chit Funds
4.2 Distribution of Firm by Registration and Nature of Organisation
4.1.3.3 The Association of Traders / Merchants
4.1.3.4 Jewellery Shops
4.1.3.5 Tamil Groups
4.1.3.6 Unregistered Auto finance Firms
4.1.3.7 Agents / Brokers
4.1.3.8 Beggars
4.2 General Characteristics
4.3 General Characteristics of ICMs
4.3 Dynamics of Informal Credit Markets
4.3.1 Activities of Informal Credit Market
4.4 Registered Firms and Types of Licenses
4.5 Distribution of Firms by Type of Oganisation and Type of Licenses
4.6 Relation Between Licenses and Activities of ICM
4.7 Activities of ICM - Individual wise
4.3.2 Operational Area of Moneylenders / Chit Funds
4.8 Operational Area of Moneylenders / Chit Funds
4.9 Distribution of Moneylender by License and Area of Operation
4.10 Nature of Operation and Area of Operation
4.3.3 The Lending Rate of Interest and Informal Credit Market
4.11 Rate of Interest on Gold Loan
4.12 Rate of Interest on Monthly Loan
4.13 Rate of Interest on 100-days Loan
4.14 Rate of Interest on 50 days-Loan
4.3.4 Collateral Instruments Used in Informal Credit Market
4.3.5 The Relation between Formal and Informal Credit Market
4.2 Changes in the Rate of Interest at Different Collateral for Monthly Loans
4.15 ICM and Relation with Formal Banks
4.16 Relation Between ICM-FCM in Urban and Sub-urban Areas
4.17 Informal and Formal Relation and Types of Licenses
4.18 Area of Operation and Relation Between ICM and FCM
4.19 Past Occupation and Relation with Formal Banks
4.3.6 Employment Potential of Informal Credit Market
4.20 Employment Potential of Registered ICM
4.3.7 Occupational Mobility
4.21 Employment Potential - Activity wise
4.22 Distribution of ICM and their Past Occupation
4.23 Present Occupation and Past Occupation
4.3.8 Migration and Informal Credit Market
4.24 Status and Past Occupation of Moneylenders
4.25 Nature of Firm and Places of Migration
4.26 Nature of Firms and Places it is Settled
4.27 Nature of Occupation and Nature of Organisation
4.28 Relation Between Past and Present Occupation
4.4 Conclusion
V. INTERMEDIATION
5.1 Deposit / Resource Mobilisation and ICM
5.1 Aggregate Estimates of Credit and Deposit Activity (1986-87)
5.1 ICM and Sources of Funds
5.2 Details Showing Number of Firms Using Each Source of Fund
5.3 Percentage of Public Deposit and ICM
5.4 ICM and Deposit Rate of Interest
5.1.1 Own funds / Savings
5.1.2 Funds From Relatives
5.5 ICM and Percentage of Own Funds
5.6 ICM and Percentage Funds Mobilized from Relatives
5.2 Deployment of Credit
5.2.1 Informal Credit Market and Informal Sector
5.7 Nature of Borrowers and Informal Credit Market (in Percentage)
5.8 Informal Sector and Sources of Credit
5.9 Formal Credit Market and Informal Sector - Purpose
5.10 Informal Credit Market and Informal Sector - Purpose
5.11 IFS and Various Types of Loans
5.2 Types of Loans and its Mode of Repayment in ICM
5.12 Relation between Informal Sector and Sub markets of ICM
5.13 Informal Sector and Unregistered ICM
5.14 Informal Credit Market and Informal Sector
5.15 Relation between IFS and Sub-markets of ICM -One Moneylender
5.16 IFS and Sub-markets in ICM - Two Moneylenders
5.17 IFS and Sub-markets in ICM - Three Moneylenders
5.18 The Relation between IFS and ICM - Nature of Firms
5.19 Relation between IFS and Formal Credit Market
5.3 Conclusion
VI. SUMMARY AND CONCLUSION
6.1 Summary of the Findings
6.2 Policy Implications
6.3 Further Research Issues
6.4 Conclusion
BIBLIOGRAPHY
ANNEXURE I Types of Credit
ANNEXURE II Money Multiplier in Urban ICM
ANNEXURE III Methods of Chitties
ANNEXURE IV Interview Schedules
INTERVIEW SCHEDULE - I MONEYLENDERS
INTERVIEW SCHEDULE - II CHITTY FOREMEN
INTERVIEW SCHEDULE - III BORROWERS