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Coverage, Sampling Design, Description of Study Area and Characteristics of Sample Borrowers

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CHAPTER 2
Coverage, Sampling Design, Descripon of Study Area and Characteriscs
of Sample Borrowers
Secon 1: Coverage and Sampling design
 
     !  ""  # $ "" %   
%%%&'(
 % % 
()*% +
,-!.%
/!,%
0+1  /2 
-  -3(.''% -4(3.
 %%4(3%-5((..+ 
-   + /  ! 2  %  
 676'5+%,% %%,+
-6!(
..
/
 70+1+ 
  % + 
8%9%:2-.
1

  !"          #  $
 % & $ !          
   $      !"   '!  
 !())(' !   !" $ # ! $   
*!())(+,-$
./01


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:   %   
 - .%   %
;-.+:   0 <
/
8%
=;  -. :  %  %     

0
 8%"">-+
9= .?""@- 
+  ., %


0  , " % 
, +%
%%%,  %A<
%%,B-.2 +
 ;  -.       2      
7 ,
,=    ,
 %     ,   % %%  %
C%%C%"">-
.3  %0" ,
0"81D1"%!2
*   ()   !      %
%7+ %%4(3
<% <&'
 % + %%4(3A
/ %01"
2
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8-
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3

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*
;+

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CHAPTER 2 Coverage, Sampling Design, Description of Study Area and Characteristics of Sample Borrowers Section 1: Coverage and Sampling design 2.1 Based on collective decisions taken at the behest of the Ministry of Agriculture, Govt. of India in two meetings in February 11, 2010 and June 19, 2010, respectively, the study is proposed to be undertaken in several states with the help of several AER Centers, whereas IIM, Ahmedabad will, besides coordinating the study, will undertake primary data collection primarily in two states of Chhattisgarh and West Bengal. Given rather low order of penetration of micro-finance institutions (MFIs) in the country or a state as a whole, but presence of clusters of such organizations, a cluster of MFIs is chosen from each of these states in the first place, before selecting 3-5 villages from that cluster such that all forms of credit organizations - both formal (namely, scheduled commercial banks (SCBs), RRBs, primary agricultural credit societies (PACS) or multipurpose PACS, branches of district central cooperative banks (DCCBs)) and non-formal (namely, traditional money-lending organizations, and MFIs - whether promoted by government, NGO or NABARD as non-profit entities, or promoted by private bodies for profit-making (called NBFCs1)) are functioning side by side in those villages to test contestability across various lending organizations. 2.2 Once a cluster of 3-5 villages within a single agro-climatic region of a state is selected, ...
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