Estimation of Microfinance Demand and Supply: With Special Reference to Assam

G.K. Sarma and S. Borbora (2015) Int. J. Soc. Sci. Manage. Vol-2, issue-4: 308-314. DOI: 10.3126/ijssm.v2i4.13099

8 Pages Posted: 1 Mar 2018

See all articles by Gopal Kumar Sarma

Gopal Kumar Sarma

BBK College

Saundarjya Borbora

Indian Institute of Technology (IIT), Guwahati

Date Written: February 25, 2018

Abstract

The paper delves to estimate microfinance demand, supply and its mismatch in India in general and Assam in particular. Since exact estimation is a bulky task, it adopts an approximation model based on poverty database, mixmarket database and some complementary reports on microfinance. The study shows that microfinance demand has shown a trend of increasing growth for India as well as Assam and stands its candidature as a potential matured market in future. The supply of microfinance for India as a whole is at low level, which shares only 0.70 per cent of gross domestic product of India. From the regional perspective, southern region dominates the supply of microfinance and Assam shares the least. The study indicates a huge mismatch between demand for and supply of microfinance and considering mixmarket average loan size all the regions of India are deficient in terms microfinance supply. The study further indicates some of the possible reasons for the mismatch.

Keywords: Microfinance, Demand, Supply, Demand-Supply Gap, Assam, SBLP

JEL Classification: G21

Suggested Citation

Sarma, Gopal Kumar and Borbora, Saundarjya, Estimation of Microfinance Demand and Supply: With Special Reference to Assam (February 25, 2018). G.K. Sarma and S. Borbora (2015) Int. J. Soc. Sci. Manage. Vol-2, issue-4: 308-314. DOI: 10.3126/ijssm.v2i4.13099. Available at SSRN: https://ssrn.com/abstract=3129648

Gopal Kumar Sarma (Contact Author)

BBK College ( email )

Department of Economics
Nagaon
Barpeta, Assam 781311
India
9706366016 (Phone)

HOME PAGE: http://www.bbkcollege.com

Saundarjya Borbora

Indian Institute of Technology (IIT), Guwahati ( email )

Doul Govinda Road
Amingaon

Here is the Coronavirus
related research on SSRN

Paper statistics

Downloads
64
Abstract Views
487
rank
357,991
PlumX Metrics