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Theoretical and Applied Economics
No. 1 / 2017 (610), Spring

Growth and distribution of microfinance in India: A panel data analysis

S. SARAVANAN
Madras School of Economics, Chennai, India
Devi Prasad DASH
Indian Institute of Technology, Ropar, India

Abstract. This paper analyses large panel of Self-Help Group (SHG) financing across 30 Indian states over the period 2007 to 2015. Classifying the panel across four different bank based on financing, we find a significant and positive association of both outstanding loan and savings of SHGs to that of bank financing across the states. Applying panel regression frameworks of both time varying and state specific fixed effects, we have obtained positive association between outstanding loans, savings rate of SHGs to that of bank loans. Our panel model has further confirmed that increases in the number of SHGs have positively influenced the bank loans particularly from public and private sectors over the years. The results thus suggest that financial inclusion drive in India has made financial institutions across the sectors to extend loan for small sector initiatives.

Keywords: Micro-Finance Institutions, SHG, Outreach, Financial Inclusion, NPA.

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