Indebtedness Among Agricultural Labor Households in India: A Descriptive Study
Keywords:
Agricultural labour, indebtedness, rural credit, India, financial inclusion, distress financing, microcredit, informal lendersAbstract
This Study is a description of indebtedness among agricultural labour households in India. Agricultural labour households in India occupy a vulnerable position in rural economies; they typically earn daily wages from farm and non-farm work, lack land ownership, and have seasonal, uncertain incomes. Indebtedness among these households affects consumption, investment in human capital, and overall welfare. In the various dimensions of indebtedness among these households, exploring its prevalence, underlying causes, and socio-economic consequences. It situates findings within the historical and institutional context of rural credit markets and offers policy recommendations to reduce distress and improve financial inclusion for agricultural labourers and their families, impacting the livelihoods and economic well-being of a significant segment of the rural population.
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