The linguistic region of Mithila has been one of India's many cultural ‘Others'. Part of the erstwhile Presidency of Bengal, Mithila's intellectual identity was largely subsumed by larger cultural region of Bengal. Before the Indian independence in 1947, Mithila's local intellectuals demanded...

The access to credit and financial services play a critical role in fostering economic growth and maintaining economic stability. The ability to obtain credit at a fair price and terms has remained one of the most powerful determinants of economic opportunity, income generation, wealth creation...

Credit-rationing model similar to Stiglitz and Weiss [1981] is combined with the information externality model of Lang and Nakamura [1993] to examine the properties of mortgage markets characterized by both adverse selection and information externalities. In a credit-rationing model, additional...

This paper examines the factors that affect branch location choice of depository lenders. Consistent with previous studies, the tract level analysis in this paper finds a strong negative impact of neighborhood income and minority composition on individual access to depository branches even after...