{"id":"https://openalex.org/W7224159499","doi":"https://doi.org/10.5281/zenodo.23762566","title":"Cooperative Credit Access and Rural Indebtedness among Tribal Households in Palghar District of Maharashtra","display_name":"Cooperative Credit Access and Rural Indebtedness among Tribal Households in Palghar District of Maharashtra","publication_year":2026,"publication_date":"2026-10-31","ids":{"openalex":"https://openalex.org/W7224159499","doi":"https://doi.org/10.5281/zenodo.23762566"},"language":"en","primary_location":{"id":"doi:10.5281/zenodo.23762566","doi":"https://doi.org/10.5281/zenodo.23762566","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.23762566","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"JournalArticle"},"volume":null,"type":"article","indexed_in":["datacite"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.5281/zenodo.23762566","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5151580239","display_name":"Rupesh Bhau Gaikar","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I169877490","display_name":"University of Mumbai","ror":"https://ror.org/032hdk172","country_code":"IN","type":"education","lineage":["https://openalex.org/I169877490"]}],"countries":["IN"],"is_corresponding":true,"raw_author_name":"Gaikar, Rupesh Bhau","raw_affiliation_strings":["Assistant Professor & Head, Department of Business Economics Dnyan Bharti Society's Sau. SRK & Late MBBI College Dahanu, Dist- Palghar, Maharashtra (Affiliated to University of Mumbai)"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Assistant Professor & Head, Department of Business Economics Dnyan Bharti Society's Sau. SRK & Late MBBI College Dahanu, Dist- Palghar, Maharashtra (Affiliated to University of Mumbai)","institution_ids":["https://openalex.org/I169877490"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5151580239"],"corresponding_institution_ids":["https://openalex.org/I169877490"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":{"value":0.8694227,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9243000149726868,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9243000149726868,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13508","display_name":"Agricultural Economics and Practices","score":0.035100001841783524,"subfield":{"id":"https://openalex.org/subfields/1100","display_name":"General Agricultural and Biological Sciences"},"field":{"id":"https://openalex.org/fields/11","display_name":"Agricultural and Biological Sciences"},"domain":{"id":"https://openalex.org/domains/1","display_name":"Life Sciences"}},{"id":"https://openalex.org/T12121","display_name":"Cooperative Studies and Economics","score":0.02329999953508377,"subfield":{"id":"https://openalex.org/subfields/1408","display_name":"Strategy and Management"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/cooperative-credit","display_name":"cooperative credit","score":0.8970000147819519},{"id":"https://openalex.org/keywords/rural-indebtedness","display_name":"rural indebtedness","score":0.8289999961853027},{"id":"https://openalex.org/keywords/tribal-households","display_name":"tribal households","score":0.9440000057220459},{"id":"https://openalex.org/keywords/scheduled-tribes","display_name":"Scheduled Tribes","score":0.902999997138977},{"id":"https://openalex.org/keywords/agricultural-credit","display_name":"agricultural credit","score":0.6850000023841858},{"id":"https://openalex.org/keywords/cooperative-banks","display_name":"cooperative banks","score":0.7490000128746033},{"id":"https://openalex.org/keywords/smallholder-farmers","display_name":"smallholder farmers","score":0.8709999918937683},{"id":"https://openalex.org/keywords/crop-loans","display_name":"crop loans","score":0.8659999966621399},{"id":"https://openalex.org/keywords/informal-credit","display_name":"informal credit","score":0.5669999718666077},{"id":"https://openalex.org/keywords/palghar-district","display_name":"Palghar district","score":0.8920000195503235}],"concepts":[{"id":"https://openalex.org/C94919774","wikidata":"https://www.wikidata.org/wiki/Q1137675","display_name":"Crore","level":3,"score":0.9158999919891357},{"id":"https://openalex.org/C28129649","wikidata":"https://www.wikidata.org/wiki/Q926217","display_name":"Microfinance","level":2,"score":0.6089000105857849},{"id":"https://openalex.org/C52130261","wikidata":"https://www.wikidata.org/wiki/Q39825","display_name":"Census","level":3,"score":0.5634999871253967},{"id":"https://openalex.org/C120527767","wikidata":"https://www.wikidata.org/wiki/Q3196867","display_name":"Debt","level":2,"score":0.5462999939918518},{"id":"https://openalex.org/C2908647359","wikidata":"https://www.wikidata.org/wiki/Q2625603","display_name":"Population","level":2,"score":0.5414000153541565},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.4999000132083893},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.4697999954223633},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4659000039100647},{"id":"https://openalex.org/C2776562857","wikidata":"https://www.wikidata.org/wiki/Q17164798","display_name":"Household debt","level":3,"score":0.4480000138282776},{"id":"https://openalex.org/C68842666","wikidata":"https://www.wikidata.org/wiki/Q1070699","display_name":"Credit history","level":2,"score":0.44780001044273376},{"id":"https://openalex.org/C2778540153","wikidata":"https://www.wikidata.org/wiki/Q5462107","display_name":"Flow of funds","level":2,"score":0.42879998683929443},{"id":"https://openalex.org/C118518473","wikidata":"https://www.wikidata.org/wiki/Q11451","display_name":"Agriculture","level":2,"score":0.4212000072002411},{"id":"https://openalex.org/C197142791","wikidata":"https://www.wikidata.org/wiki/Q540626","display_name":"Bond market","level":2,"score":0.38359999656677246},{"id":"https://openalex.org/C48824518","wikidata":"https://www.wikidata.org/wiki/Q396340","display_name":"Agricultural economics","level":1,"score":0.367000013589859},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.35030001401901245},{"id":"https://openalex.org/C77352025","wikidata":"https://www.wikidata.org/wiki/Q386191","display_name":"Population growth","level":3,"score":0.32690000534057617},{"id":"https://openalex.org/C2778114724","wikidata":"https://www.wikidata.org/wiki/Q1365583","display_name":"Bad debt","level":3,"score":0.32589998841285706},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.30880001187324524},{"id":"https://openalex.org/C24308983","wikidata":"https://www.wikidata.org/wiki/Q5183781","display_name":"Credit reference","level":3,"score":0.3041999936103821},{"id":"https://openalex.org/C4249254","wikidata":"https://www.wikidata.org/wiki/Q3044431","display_name":"Demographic economics","level":1,"score":0.30149999260902405},{"id":"https://openalex.org/C2778137473","wikidata":"https://www.wikidata.org/wiki/Q1787079","display_name":"Credit rationing","level":3,"score":0.29510000348091125},{"id":"https://openalex.org/C2777910564","wikidata":"https://www.wikidata.org/wiki/Q694563","display_name":"Collateral","level":2,"score":0.29249998927116394},{"id":"https://openalex.org/C2993078247","wikidata":"https://www.wikidata.org/wiki/Q182076","display_name":"Bank credit","level":2,"score":0.2800999879837036},{"id":"https://openalex.org/C129047720","wikidata":"https://www.wikidata.org/wiki/Q175185","display_name":"Rural area","level":2,"score":0.2614000141620636},{"id":"https://openalex.org/C2781400479","wikidata":"https://www.wikidata.org/wiki/Q11640","display_name":"Outreach","level":2,"score":0.25949999690055847},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.25429999828338623},{"id":"https://openalex.org/C195487862","wikidata":"https://www.wikidata.org/wiki/Q850210","display_name":"Revenue","level":2,"score":0.2535000145435333}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.5281/zenodo.23762566","doi":"https://doi.org/10.5281/zenodo.23762566","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.23762566","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"JournalArticle"},{"id":"doi:10.5281/zenodo.23762567","doi":"https://doi.org/10.5281/zenodo.23762567","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.23762567","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"JournalArticle"}],"best_oa_location":{"id":"doi:10.5281/zenodo.23762566","doi":"https://doi.org/10.5281/zenodo.23762566","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.23762566","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"JournalArticle"},"sustainable_development_goals":[{"display_name":"No poverty","id":"https://metadata.un.org/sdg/1","score":0.8928999900817871},{"display_name":"Reduced inequalities","id":"https://metadata.un.org/sdg/10","score":0.6403999924659729}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W4383824489","https://openalex.org/W2625356356","https://openalex.org/W2530825304","https://openalex.org/W1505955981","https://openalex.org/W2601465344","https://openalex.org/W4313449273","https://openalex.org/W2118869089","https://openalex.org/W1517827712","https://openalex.org/W1585758587","https://openalex.org/W1654339103"],"abstract_inverted_index":{"Abstract:":[0],"Cooperative":[1],"credit":[2,31,88,137,157,211],"is":[3,21],"a":[4,206,216,231],"principal":[5],"source":[6],"of":[7,29,43,50,76,118,155,172,183],"institutional":[8],"finance":[9],"for":[10,60,90,129,189],"small":[11,53],"and":[12,46,56,79,103,132,212,228],"marginal":[13],"farmers,":[14],"yet":[15],"its":[16,58],"reach":[17],"in":[18,32,135,158,176],"tribal-dominated":[19],"districts":[20],"poorly":[22],"documented.":[23],"This":[24],"paper":[25,202],"examines":[26],"the":[27,44,74,80,84,184,201],"performance":[28],"cooperative":[30,111,148,210],"Palghar":[33],"district,":[34],"Maharashtra,":[35],"where":[36],"Scheduled":[37],"Tribes":[38],"form":[39],"37.39":[40],"per":[41,48,116,127,141,145,153,181],"cent":[42,49,117,128,142,154,182],"population":[45],"91.31":[47],"landholders":[51],"are":[52],"or":[54],"marginal,":[55],"discusses":[57],"implications":[59],"household":[61,198],"indebtedness.":[62,213],"Using":[63],"secondary":[64],"data":[65],"from":[66,139],"NABARD\u2019s":[67],"Potential":[68],"Linked":[69],"Credit":[70,122],"Plan":[71,123],"(PLP)":[72],"2022-23,":[73],"Census":[75],"India":[77],"2011":[78],"NSS":[81],"77th":[82],"Round,":[83],"study":[85],"analyses":[86],"ground-level":[87],"flow":[89,171],"2018-19":[91],"to":[92,143],"2020-21":[93,177],"through":[94],"percentage":[95],"shares,":[96],"achievement":[97],"ratios,":[98],"compound":[99],"annual":[100],"growth":[101],"rates":[102],"credit-gap":[104],"measures.":[105],"Three":[106],"findings":[107],"stand":[108],"out.":[109],"First,":[110],"banks":[112,149],"achieved":[113],"only":[114],"37.5":[115],"their":[119,133,161],"cumulative":[120],"Annual":[121],"targets,":[124],"against":[125],"71.9":[126],"commercial":[130],"banks,":[131],"share":[134],"district":[136,169],"fell":[138],"17.1":[140],"8.5":[144],"cent.":[146],"Second,":[147],"nevertheless":[150],"supplied":[151],"47.6":[152],"agricultural":[156],"2020-21,":[159],"so":[160],"shortfall":[162],"bears":[163],"directly":[164],"on":[165,196,225],"farm":[166],"households.":[167],"Third,":[168],"crop-loan":[170],"about":[173],"\u20b9149":[174],"crore":[175,186],"was":[178],"roughly":[179],"27":[180],"\u20b9561":[185],"potential":[187],"estimated":[188],"2022-23.":[190],"Because":[191],"no":[192],"consistent":[193],"district-level":[194],"series":[195],"tribal":[197],"debt":[199],"exists,":[200],"does":[203],"not":[204],"claim":[205],"causal":[207],"link":[208],"between":[209],"It":[214],"identifies":[215],"credit-access":[217],"gap":[218],"that":[219],"plausibly":[220],"keeps":[221],"vulnerable":[222],"households":[223],"dependent":[224],"informal":[226],"sources":[227],"sets":[229],"out":[230],"targeted":[232],"policy":[233],"agenda.":[234]},"counts_by_year":[],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2026-10-30T00:00:00"}
