Credit Source and Enterprise Performance in Urban Maharashtra
Author · Published in IJSSER
An investigation into credit access and India’s informal economy.
- Mentored by Dr Ceyhun Elgin, Columbia University. Analysed government survey data on 53,000+ small enterprises; bank loans were linked to 17% higher output, while informal loans showed no link.
- Surveyed 18 Mumbai vendors and found that supplier credit—their most common loan—is barely recorded in official data.
- Published in the International Journal of Social Science and Research (IJSSER) and awarded CREST Gold.
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