This study analyzes the impact of democratic decentralization on the chances of socially excluded groups to participate in newly created local governance institutions - Panchayat Rai Institutions - in three Indian states. This institutional reform included a quota for disadvantaged groups like...

This study analyses the impact of democratic decentralisation on the chances of socially excluded groups to participate in newly created local governance institutions – Panchayati Raj Institutions – in three Indian states. This institutional reform included a quota for the disadvantaged –...

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...