It is well known that around 80 per cent of farmers in India are in the small or marginal farmers group which requires financial resources on a regular basis for their farming activities. Needless to say, as these households do not possess adequate savings, accessibility to financial resources...

This paper examines the nature and extent of household indebtedness in West Bengal, focusing on households’ access to credit and factors influencing interest rate determination in informal credit markets. As far as accessibility is concerned, it finds that the urban poor face greater...