This paper is about the financial lives of poor households. It examines the different sources of income and expenditure of the poor households residing in a coastal settlement in Kerala. The method of financial diary for data collection is adopted for the study. The sample size is 13. The study...

Banking sector reforms, which is a major component of Macroeconomic Adjustment Programme in India, has changed the trends and patterns of banking over the last six to seven years. This paper seeks to analyse the trends in credit deployment by industry, by bank group, by rural and urban areas,...

The low credit-deposit ratio of the scheduled commercial banks in Kerala has been a subject of intense debate during the last decade or so. Periodically, the state government would raise the issue, lash out at the `negative attitude' of the banks for the lack of development of the state, the...

Kerala is in the forefront of decentralisation of powers following the 73rd and 74th Constitutional Amendments. The existence of a large number of health care, educational and other institutions in every Panchayat in Kerala has necessitated decentralisation of every sector as part of the overall...