@article{afridi2018fewer,
  title={Why are fewer married women joining the work force in rural India? A decomposition analysis over two decades},
  author={Afridi, Farzana and Dinkelman, Taryn and Mahajan, Kanika},
  journal={Journal of Population Economics},
  volume={31},
  number={3},
  pages={783--818},
  year={2018},
  publisher={Springer}
}

@article{geertz1962rotating,
  title={{The rotating credit association: A ``middle rung'' in development}},
  author={Geertz, Clifford},
  journal={{Economic Development and Cultural Change}},
  volume={10},
  number={3},
  pages={241--263},
  year={1962},
  publisher={University of Chicago Press}
}

@article{JHA2025105303,
title = {Financial market exposure increases generalized trust},
journal = {Journal of Public Economics},
volume = {242},
pages = {105303},
year = {2025},
issn = {0047-2727},
doi = {https://doi.org/10.1016/j.jpubeco.2025.105303},
url = {https://www.sciencedirect.com/science/article/pii/S0047272725000015},
author = {Saumitra Jha and Moses Shayo and Chagai M. Weiss},
keywords = {Trust, Financial Markets, Randomized Controlled Trials},
abstract = {How can we build trust, especially in polarized societies? We propose that exposure to broad financial markets—where individuals place their assets in the hands of large groups of unfamiliar agents who nonetheless have the incentive and ability to promote their interests—can contribute to generalized trust. In a randomized controlled trial, we encourage Israelis to hold or trade stocks for up to seven weeks. We find that participation in financial markets increases the probability of expressing generalized trust by about 6 percentage points, equivalent to a quarter of the control group mean. The effects seem to be driven by political partisans along the left–right spectrum in Israel, and are robust to negative price changes. Thus, trust is not only a cause but can also be an effect of participation in financial markets.}
}

@article{malakar2020differences,
  title={{Differences in firewood users’ and LPG users’ perceived relationships between cooking fuels and women’s multidimensional well-being in rural India}},
  author={Malakar, Yuwan and Day, Rosie},
  journal={Nature Energy},
  volume={5},
  number={12},
  pages={1022--1031},
  year={2020},
  publisher={Nature Publishing Group UK London}
}


@article{kumar2022energy,
  title={{Energy access and women's empowerment}},
  author={Kumar, Praveen},
  journal={Nature Energy},
  volume={7},
  number={8},
  pages={684--685},
  year={2022},
  publisher={Nature Publishing Group UK London}
}

@article{su2023does,
  title={{Does access to liquefied petroleum gas (LPG) reduce the household burden of women? Evidence from India}},
  author={Su, Qinghe and Azam, Mehtabul},
  journal={Energy Economics},
  volume={119},
  pages={106529},
  year={2023},
  publisher={Elsevier}
}
@book{ardener1995money,
  title={Money-go-rounds: The importance of rotating savings and credit associations for women},
  author={Ardener, Shirley and Burman, Sandra},
  year={1995},
  publisher={Berg Publisher Ltd}
}

@article{angrist1996identification,
  title={Identification of causal effects using instrumental variables},
  author={Angrist, Joshua D and Imbens, Guido W and Rubin, Donald B},
  journal={Journal of the American statistical Association},
  volume={91},
  number={434},
  pages={444--455},
  year={1996},
  publisher={Taylor \& Francis}
}

@article{boot1997financial,
  title={Financial system architecture},
  author={Boot, Arnoud WA and Thakor, Anjan V},
  journal={The Review of Financial Studies},
  volume={10},
  number={3},
  pages={693--733},
  year={1997},
  publisher={Oxford University Press}
}

@article{swamy2014financial,
  title={Financial inclusion, gender dimension, and economic impact on poor households},
  author={Swamy, Vighneswara},
  journal={World development},
  volume={56},
  pages={1--15},
  year={2014},
  publisher={Elsevier}
}

@incollection{mosley2009microenterprise,
  title={Microenterprise finance: is there a conflict between growth and poverty alleviation?},
  author={Mosley, Paul and Hulme, David},
  booktitle={Microfinance},
  pages={85--97},
  year={2009},
  publisher={Routledge}
}

@article{mosley1998microenterprise,
  title={Microenterprise finance: is there a conflict between growth and poverty alleviation?},
  author={Mosley, Paul and Hulme, David},
  journal={World development},
  volume={26},
  number={5},
  pages={783--790},
  year={1998},
  publisher={Elsevier}
}

@article{cornia1993two,
  title={Two errors of targeting},
  author={Cornia, Giovanni Andrea and Stewart, Frances},
  journal={Journal of International Development},
  volume={5},
  number={5},
  pages={459--496},
  year={1993},
  publisher={Wiley Online Library}
}

@article{chavan2002micro,
  title={Micro-credit and rural poverty: An analysis of empirical evidence},
  author={Chavan, Pallavi and Ramakumar, R},
  journal={Economic and Political weekly},
  pages={955--965},
  year={2002},
  publisher={JSTOR}
}

@article{besley1993economics,
  title={The economics of rotating savings and credit associations},
  author={Besley, Timothy and Coate, Stephen and Loury, Glenn},
  journal={The American Economic Review},
  pages={792--810},
  year={1993},
  publisher={JSTOR}
}
@article{reito2019roscas,
  title={Roscas without sanctions},
  author={Reito, Francesco},
  journal={Review of Social Economy},
  pages={1--19},
  year={2019},
  publisher={Taylor \& Francis}
}

@article{anderson2002economics,
  title={{The economics of Roscas and Intrahousehold resource allocation}},
  author={Anderson, Siwan and Baland, Jean-Marie},
  journal={The Quarterly Journal of Economics},
  volume={117},
  number={3},
  pages={963--995},
  year={2002},
  publisher={MIT Press}
}

@article{bisrat2012there,
  title={{Are there financial benefits to join RoSCAs? Empirical evidence from Equb in Ethiopia}},
  author={Bisrat, Agegnehu and Kostas, Karantininis and Feng, Li},
  journal={Procedia Economics and Finance},
  volume={1},
  pages={229--238},
  year={2012},
  publisher={Elsevier}
}
@article{ardener1964comparative,
  title={The comparative study of rotating credit associations},
  author={Ardener, Shirley},
  journal={The Journal of the Royal Anthropological Institute of Great Britain and Ireland},
  volume={94},
  number={2},
  pages={201--229},
  year={1964},
  publisher={JSTOR}
}

@incollection{hossein2018building,
  title={Building economic solidarity: Caribbean ROSCAs in {Jamaica}, {Guyana}, and {Haiti}},
  author={Hossein, Caroline Shenaz},
  booktitle={The Black Social Economy in the Americas},
  pages={79--95},
  year={2018},
  publisher={Springer}
}

@article{bauchet2018rosca,
  title={{ROSCA composition and repayment: Evidence from Taiwanese bidding ROSCAs}},
  author={Bauchet, Jonathan and Larsen, Vance},
  journal={The Journal of Development Studies},
  volume={54},
  number={9},
  pages={1483--1495},
  year={2018},
  publisher={Taylor \& Francis}
}

@article{ahlin2008can,
  title={Can micro-credit bring development?},
  author={Ahlin, Christian and Jiang, Neville},
  journal={{Journal of Development Economics}},
  volume={86},
  number={1},
  pages={1--21},
  year={2008},
  publisher={Elsevier}
}

@article{islam2015does,
  title={{Does microfinance change informal lending in village economies? Evidence from Bangladesh}},
  author={Islam, Asadul and Nguyen, Chau and Smyth, Russell},
  journal={Journal of Banking \& Finance},
  volume={50},
  pages={141--156},
  year={2015},
  publisher={Elsevier}
}

@article{bali2017impact,
  title={{The impact of microfinance on factors empowering women: Differences in regional and delivery mechanisms in India’s SHG programme}},
  author={Bali Swain, Ranjula and Wallentin, Fan Yang},
  journal={The Journal of Development Studies},
  volume={53},
  number={5},
  pages={684--699},
  year={2017},
  publisher={Taylor \& Francis}
}

@article{duflo2012women,
  title={Women empowerment and Economic Development},
  author={Duflo, Esther},
  journal={Journal of Economic Literature},
  volume={50},
  number={4},
  pages={1051--79},
  year={2012}
}

@article{geertz1962rotating,
  title={The Rotating Credit Association: A ``middle rung'' in development},
  author={Geertz, Clifford},
  journal={{Economic Development and Cultural Change}},
  volume={10},
  number={3},
  pages={241--263},
  year={1962},
  publisher={University of Chicago Press}
}

@article{jodha1986common,
  title={Common property resources and rural poor in dry regions of India},
  author={Jodha, Narpat S},
  journal={Economic and political weekly},
  pages={1169--1181},
  year={1986},
  publisher={JSTOR}
}

@article{kaur2011return,
  title={Return of Village Land, {India}},
  author={Kaur, Ravleen},
  journal={Down to Earth},
  volume={28},
  year={2011}


@article{agarwal2019impact,
  title={The impact of {India’s} accredited social health activist {(ASHA)} program on the utilization of maternity services: a nationally representative longitudinal modelling study},
  author={Agarwal, Smisha and Curtis, Sian L and Angeles, Gustavo and Speizer, Ilene S and Singh, Kavita and Thomas, James C},
  journal={Human resources for health},
  volume={17},
  number={1},
  pages={1--13},
  year={2019},
  publisher={Springer}
}



@article{anderson2009determines,
  title={What determines female autonomy? Evidence from Bangladesh},
  author={Anderson, Siwan and Eswaran, Mukesh},
  journal={{Journal of Development Economics}},
  volume={90},
  number={2},
  pages={179--191},
  year={2009},
  publisher={Elsevier}

@article{anderson2009determines,
  title={What determines female autonomy? Evidence from Bangladesh},
  author={Anderson, Siwan and Eswaran, Mukesh},
  journal={{Journal of Development Economics}},
  volume={90},
  number={2},
  pages={179--191},
  year={2009},
  publisher={Elsevier}
}

@article{jain2019effect,
  title={Effect of Electricity Act on tariff gap within the subsidizing sector: The case of India},
  author={Jain, Ritika and Nandan, Amit},
  journal={Energy Policy},
  volume={132},
  pages={901--914},
  year={2019},
  publisher={Elsevier}
}

@article{jain2020electricity,
  title={Electricity prices and firms' decisions and outcomes: The case of India after a decade of the Electricity Act},
  author={Jain, Ritika and Nandan, Amit},
  journal={Energy Economics},
  volume={91},
  pages={104915},
  year={2020},
  publisher={Elsevier}
}

@book{pargal2014more,
  title={More power to India: The challenge of electricity distribution},
  author={Pargal, Sheoli and Banerjee, Sudeshna},
  year={2014},
  publisher={The World Bank}
  
  @article{chatterjee2020there,
  title={Is there political elite capture in access to energy sources? Evidence from Indian households},
  author={Chatterjee, Somdeep and Pal, Debdatta},
  journal={World Development},
  pages={105288},
  year={2020},
  publisher={Elsevier}
}

@article{lakshmi2017energy,
  title={Energy Statistics},
  author={Lakshmi, GS and Geeta, SR and Rajesh, S and Ambica, A and Shobha, S and Aditya, SH},
  journal={Central Statistics Office, Ministry of Statistics and Programme Implementation, Government of India},
  pages={1--121},
  year={2017}
}

@article{sedai2020electrification,
  title={Electrification and Socio-Economic Empowerment of Women in India},
  author={Sedai, Ashish Kumar and Nepal, Rabindra and Jamasb, Tooraj and others},
  year={2020},
  publisher = {Cambridge Energy Research Group}
}

@misc{khosla2015plugging,
  title={Plugging in: Electricity Consumption in Indian Homes},
  author={Khosla, R and Bharadwaj, A Prayas},
  year={2015},
  publisher={Prayas (Energy Group)}
}
@book{ardener1995money,
  title={Money-go-rounds: The importance of rotating savings and credit associations for women},
  author={Ardener, Shirley and Burman, Sandra},
  year={1995},
  publisher={Berg Publisher Ltd}
}

@article{sharma2019transition,
  title={Transition to {LPG} for cooking: A case study from two states of {India}},
  author={Sharma, Ashutosh and Parikh, Jyoti and Singh, Chandrashekhar},
  journal={Energy for Sustainable Development},
  volume={51},
  pages={63--72},
  year={2019},
  publisher={Elsevier}
}

@article{parikh2011hardships,
  title={Hardships and health impacts on women due to traditional cooking fuels: A case study of {Himachal Pradesh}, {India}},
  author={Parikh, Jyoti},
  journal={Energy Policy},
  volume={39},
  number={12},
  pages={7587--7594},
  year={2011},
  publisher={Elsevier}
}

@article{mani2018,
  title={Access to Clean Cooking Energy and Electricity: Survey of States in {India} 2018 ({ACCESS 2018)}},
  author={Mani, Sunil and Shahidi, Tauseef and Patnaik and Sasmita, Jain and Abhishek Tripathi and Saurabh, Ganesan and Aklin, Michaël and Urpelainen, Johannes and Chindarkar, Namrata},
  year={2018}
}

@article{staiger1997stock,
  title={Stock. 1997.“Instrumental Variables with Weak Instruments.”},
  author={Staiger, Douglas and James, H},
  journal={Econometrica},
  volume={65},
  number={3},
  pages={557--586},
  year={1997}
}

@article{jensen2009power,
  title={The power of {TV}: Cable television and women's status in {India}},
  author={Jensen, Robert and Oster, Emily},
  journal={The Quarterly Journal of Economics},
  volume={124},
  number={3},
  pages={1057--1094},
  year={2009},
  publisher={MIT Press}
}

@book{kohlin2011energy,
  title={Energy, gender and development: what are the linkages? Where is the evidence?},
  author={K{\"o}hlin, Gunnar and Sills, Erin O and Pattanayak, Subhrendu K and Wilfong, Christopher},
  year={2011},
  pRaoolicy},
  volume={36},
  number={6},
  pages={2016--2029},
  year={2008},
  publisher={Elsevier}
}

@article{mehra2019energy,
  title={Energy Transitions in India Implications for Energy Access, Greener Energy, and Energy Security},
  author={Mehra, Meeta and Bhattacharya, Guarav},
  year={2019},
  publisher={Georgetown University. School of Foreign Service. Asian Studies Program.}
}

@article{palit2014energising,
  title={Energising rural { using distributed generation: The case of solar mini-grids in {Chhattisgarh} state, {India}},
  author={Palit, Debajit and Sarangi, Gopal K and Krithika, PR},
  booktitle={Mini-grids for rural electrification of developing countries},
  p={313--342},
  year={2014},
  publisher={Springer}
}

@book{pargal2014more,
  title={More power to India: The challenge of electricity distribution},
  author={Pargal, Sheoli and Ghosh Banerjee, Sudeshna},
  year={2014},
  publisher={The World Bank}
}

@article{jain2018powering,
  title={Powering {India} at Household Level: State Effort, Issues and Concerns},
  author={Jain, Varinder},
  year={2018}
}

@book{min2017whose,
  title={Whose power gets cut? Using high-frequency satellite images to measure power supply irregularity},
  author={Min, Brian and O'Keeffe, Zachary and Zhang, Fan},
  year={2017},
  publisher={The World Bank}
}

@article{besleylevenson1996,
title={{The Role of Informal Finance in Household Capital Accumulation: Evidence from Taiwan}},
author={Besley, Timothy and Levenson, Alec},
journal={Economic Journal},
volume={106},
number={434},
year={1996},
pages={38 - 59}
}

@article{levensonbesley1996,
title={{The Anatomy of an Informal Financial Market: Rosca Participation in Taiwan}},
author={Levenson, Alec and Timothy Besley},
journal={{Journal of Development Economics}},
volume={51},
year={1996},
pages={45 - 68}
}

@article{gugerty2007,
title={{You can’t save alone: commitment in rotating savings and credit
associations in Kenya}},
author={Gugerty, M.K.},
journal={{Economic Development and Cultural Change}},
volume={55},
year={2007},
number={2},
pages={251 – 282}
}

@article{besley1993economics,
  title={{The economics of rotating savings and credit associations}},
  author={Besley, Timothy and Coate, Stephen and Loury, Glenn},
  journal={The American Economic Review},
  pages={792--810},
  year={1993},
  publisher={JSTOR}
}

@book{calman2019toward,
  title={{Toward empowerment: Women and movement politics in India},
  author={Calman, Leslie J},
  year={2019},
  publisher={Routledge}
}

@incollection{sivakami2019we,
  title={What Do We Know About Sexual and Reproductive Health of Adolescents and Youth in India: A Synthesis of Literature},
  author={Sivakami, M and Rai, Saurabh},
  booktitle={Health and Wellbeing of India's Young People},
  pages={121--156},
  year={2019},
  publisher={Springer}
}

@article{grogan2013rural,
  title={{Rural electrification and employment in poor countries: Evidence from Nicaragua},
  author={Grogan, Louise and Sadanand, Asha},
  journal={World Development},
  volume={43},
  pages={252--265},
  year={2013},
  publisher={Elsevier}
}

@article{salmon2016rural,
  title={{Rural electrification and household labor supply: Evidence from Nigeria},
  author={Salmon, Claire and Tanguy, Jeremy},
  journal={World development},
  volume={82},
  pages={48--68},
  year={2016},
  publisher={Elsevier}
}

@article{mensah2014infrastructure,
  title={Infrastructure access and household welfare in rural {Ghana}},
  author={Mensah, Emmanuel Joseph and Huchet-Bourdon, Marilyne and Latruffe, Laure},
  journal={African Development Review},
  volume={26},
  number={3},
  pages={508--519},
  year={2014},
  publisher={Wiley Online Library}
}

@article{fletcher2017women,
  title={{Women and work in {India}: Descriptive evidence and a review of potential policies},
  author={Fletcher, Erin and Pande, Rohini and Moore, Charity Maria Troyer},
  year={2017},
  publisher={HKS Working Paper No. RWP18-004}
}

@article{shrimali2020scaling,
  title={Scaling reliable electricity access in India: A public-private partnership model},
  author={Shrimali, Gireesh and Sen, Vivek},
  journal={Energy for Sustainable Development},
  volume={55},
  pages={69--81},
  year={2020},
  publisher={Elsevier}
}

@article{10139108620150301,
Abstract = {Earlier studies in India have documented both positive and negative effects of microloans on women; however, most of the studies have been qualitative in nature or geographically limited and have largely ignored sociocultural variations in the country that might influence the effectiveness of microloan programs. The present study uses nationally representative data from India, from the third wave of the National Family Health Survey (NFHS-3), and logistic regression to examine if getting a microloan affects women's access to spaces outside their home, and whether this effect varies by the prevailing gender norms in their respective communities. The sample consists of 37,003 women aged 18-49 who were "usual residents" and knew about microloan programs in their communities. Results of the analysis indicate that the likelihood of full mobility (i.e., being allowed to go alone to the market, health facilities, and places outside the community) is higher for women who had taken a microloan},
Author = {Singh, Swati and Cready, Cynthia},
ISSN = {15691500},
Journal = {Perspectives on Global Development & Technology},
Keywords = {MICROFINANCE, HEALTH surveys, HEALTH facilities, SOCIAL mobility, SELF-efficacy, EQUIPMENT & supplies, SOCIAL aspects, INDIA, Community, Gender norms, India, Microloans, Quantitative, Women's mobility},
Number = {3},
Pages = {333 - 355},
Title = {Microloans and Women's Freedom of Physical Mobility: Evidence from India.},
Volume = {14},
URL = {https://ezproxy2.library.colostate.edu/login?url=http://search.ebscohost.com/login.aspx?direct=true&AuthType=cookie,ip,url,cpid&custid=s4640792&db=aph&AN=101391086&site=ehost-live},
Year = {2015},
}

@article{abraham2013missing,
  title={Missing Labour or Consistent" De-Feminisation"?},
  author={Abraham, Vinoj},
  journal={Economic and Political Weekly},
  p={99--108},
  year={2013},
  publisher={JSTOR}
}

@article{article,
author = {Kedir, Abbi and Disney, Richard and Dasgupta, Indraneel},
year = {2011},
month = {06},
pages = {},
title = {Why Use ROSCAs When You Can Use Banks? Theory and Evidence from Ethiopia}
}

@article{khandker2014benefits,
  title={Who benefits most from rural electrification? Evidence in {India}},
  author={Khandker, Shahidur R and Samad, Hussain A and Ali, Rubaba and Barnes, Douglas F},
  journal={The Energy Journal},
  volume={35},
  number={2},
  year={2014},
  publisher={International Association for Energy Economics}
}
@article{reito2019roscas,
  title={Roscas without sanctions},
  author={Reito, Francesco},
  journal={Review of Social Economy},
  pages={1--19},
  year={2019},
  publisher={Taylor \& Francis}
}

@article{anderson2002economics,
  title={The economics of roscas and intrahousehold resource allocation},
  author={Anderson, Siwan and Baland, Jean-Marie},
  journal={The Quarterly Journal of Economics},
  volume={117},
  number={3},
  pages={963--995},
  year={2002},
  publisher={MIT Press}
}

@article{bisrat2012there,
  title={Are there financial benefits to join RoSCAs? Empirical evidence from Equb in Ethiopia},
  author={Bisrat, Agegnehu and Kostas, Karantininis and Feng, Li},
  journal={Procedia Economics and Finance},
  volume={1},
  pages={229--238},
  year={2012},
  publisher={Elsevier}
}
@article{ardener1964comparative,
  title={The comparative study of rotating credit associations},
  author={Ardener, Shirley},
  journal={The Journal of the Royal Anthropological Institute of Great Britain and Ireland},
  volume={94},
  number={2},
  pages={201--229},
  year={1964},
  publisher={JSTOR}
}

@incollection{hossein2018building,
  title={Building economic solidarity: Caribbean ROSCAs in Jamaica, Guyana, and Haiti},
  author={Hossein, Caroline Shenaz},
  booktitle={The Black Social Economy in the Americas},
  pages={79--95},
  year={2018},
  publisher={Springer}
}

@article{bauchet2018rosca,
  title={ROSCA composition and repayment: Evidence from Taiwanese bidding ROSCAs},
  author={Bauchet, Jonathan and Larsen, Vance},
  journal={The Journal of Development Studies},
  volume={54},
  number={9},
  pages={1483--1495},
  year={2018},
  publisher={Taylor \& Francis}
}

@article{acquah2018roscas,
	title="ROSCAs as Lenders of Last Resort after Financial Crises: Lessons from Indonesia",
	author="Joseph Kofi {Acquah} and Roshani {Dahal}",
	journal="Journal of International Development",
	year={2018},
	volume="30",
	number="7",
	pages="1223--1239",
}

@article{el2014bank,
  title={Bank-insured RoSCA for microfinance: Experimental evidence in poor Egyptian villages},
  author={El-Gamal, Mahmoud and El-Komi, Mohamed and Karlan, Dean and Osman, Adam},
  journal={Journal of Economic Behavior \& Organization},
  volume={103},
  pages={S56--S73},
  year={2014},
  publisher={Elsevier}
}

@article{duflo2012women,
  title={Women empowerment and economic development},
  author={Duflo, Esther},
  journal={Journal of Economic literature},
  volume={50},
  number={4},
  pages={1051--79},
  year={2012}
}

@article{mader2013rise,
  title={Rise and fall of microfinance in India: The Andhra Pradesh crisis in perspective},
  author={Mader, Philip},
  journal={Strategic Change},
  volume={22},
  number={1-2},
  pages={47--66},
  year={2013}
}




@article{akotey2016does,
  title={Does microcredit increase household welfare in the absence of microinsurance?},
  author={Akotey, Joseph Oscar and Adjasi, Charles KD},
  journal={World Development},
  volume={77},
  pages={380--394},
  year={2016},
  publisher={Elsevier}
}

@article{chandrasekhar2018financialization,
  title={The financialization of finance? Demonetization and the dubious push to cashlessness in {India}},
  author={Chandrasekhar, CP and Ghosh, Jayati},
  journal={Development and change},
  volume={49},
  number={2},
  pages={420--436},
  year={2018},
  publisher={Wiley Online Library}
}

@article{roy2009public,
  title={Public-private partnerships in micro-finance: Should NGO involvement be restricted?},
  author={Roy, Jaideep and Chowdhury, Prabal Roy},
  journal={{{Journal of Development Economics}}},
  volume={90},
  number={2},
  pages={200--208},
  year={2009},
  publisher={Elsevier}
}

@article{mayoux2002microfinance,
  title={Microfinance and women’s empowerment: Rethinking ‘best practice’},
  author={Mayoux, Linda},
  journal={Development Bulletin},
  volume={57},
  number={76-80},
  year={2002}
}

@article{bouman1995rotating,
  title={Rotating and accumulating savings and credit associations: A development perspective},
  author={Bouman, Frits JA},
  journal={World development},
  volume={23},
  number={3},
  pages={371--384},
  year={1995},
  publisher={Elsevier}
}

@article{acquah2018rosca,
  title={ROSCA s as Lenders of Last Resort after Financial Crises: Lessons from Indonesia},
  author={Acquah, Joseph Kofi and Dahal, Roshani},
  journal={Journal of International Development},
  volume={30},
  number={7},
  pages={1223--1239},
  year={2018},
  publisher={Wiley Online Library}
}

@article{el2014bank,
  title={Bank-insured RoSCA for microfinance: Experimental evidence in poor Egyptian villages},
  author={El-Gamal, Mahmoud and El-Komi, Mohamed and Karlan, Dean and Osman, Adam},
  journal={Journal of Economic Behavior \& Organization},
  volume={103},
  pages={S56--S73},
  year={2014},
  publisher={Elsevier}
}

@article{kabeerResourcesAgencyAchievements1999,
	title = {Resources, Agency, Achievements},
	author={Naila Kabeer},
	journal={Development and Change},
	pages={435--464},
	year={1999},
	volume = {30},
	issn = {1467-7660},
	shorttitle = {Resources, {Agency}, {Achievements},
	doi = {10.1111/1467-7660.00125},
	abstract = {This paper begins from the understanding that women's empowerment is about the process by which those who have been denied the ability to make strategic life choices acquire such an ability. A wide gap separates this processual understanding of empowerment from the more instrumentalist forms of advocacy which have required the measurement and quantification of empowerment. The ability to exercise choice incorporates three inter-related dimensions: resources (defined broadly to include not only access, but also future claims, to both material and human and social resources); agency (including processes of decision making, as well as less measurable manifestations of agency such as negotiation, deception and manipulation); and achievements (well-being outcomes). A number of studies of women's empowerment are analysed to make some important methodological points about the measurement of empowerment. The paper argues that these three dimensions of choice are indivisible in determining the meaning of an indicator and hence its validity as a measure of empowerment. The notion of choice is further qualified by referring to the conditions of choice, its content and consequences. These qualifications represent an attempt to incorporate the structural parameters of individual choice in the analysis of women's empowerment.},
	language = {en},
	number = {3},
	urldate = {2019-10-22},
	journal = {Development and Change},
	author = {Kabeer, Naila},
	year = {1999},
	pages = {435--464},
	file = {Full Text PDF:C\:\\Users\\ashis\\Zotero\\storage\\7J2Y8797\\Kabeer - 1999 - Resources, Agency, Achievements Reflections on th.pdf:application/pdf;Snapshot:C\:\\Users\\ashis\\Zotero\\storage\\PRSJNTWS\\1467-7660.html:text/html}
}

@article{kabeerConflictsCreditReEvaluating2001,
	title = {Conflicts {Over} {Credit}: {Re}-{Evaluating} the {Empowerment} {Potential} of {Loans} to {Women} in {Rural} {Bangladesh}},
	volume = {29},
	issn = {0305-750X},
	shorttitle = {Conflicts {Over} {Credit}},
	abstract = {This paper explores the reasons why recent evaluations of the empowerment potential of credit programs for rural women in Bangladesh have arrived at very conflicting conclusions. Although these evaluations use somewhat different methodologies and have been carried out at different points of time, the paper argues that the primary source of the conflict lies in the very different understandings of intrahousehold power relations which these studies draw on. It supports this argument through a comparative analysis with the findings of a participatory evaluation of a rather different credit program in Bangladesh in which the impact of loans was evaluated by women loanees themselves.},
	language = {en},
	number = {1},
	urldate = {2020-01-11},
	journal = {World Development},
	author = {Kabeer, Naila},
	month = jan,
	year = {2001},
	keywords = {Asia, Bangladesh, empowerment, evaluation, gender, microcredit},
	pages = {63--84},
	file = {ScienceDirect Full Text PDF:C\:\\Users\\ashis\\Zotero\\storage\\J4JFN9AG\\Kabeer - 2001 - Conflicts Over Credit Re-Evaluating the Empowerme.pdf:application/pdf;ScienceDirect Snapshot:C\:\\Users\\ashis\\Zotero\\storage\\58CMYW5H\\S0305750X00000814.html:text/html}
}

@article{fukuda2016millennium,
  title={From the Millennium Development Goals to the Sustainable Development Goals: shifts in purpose, concept, and politics of global goal setting for development},
  author={Fukuda-Parr, Sakiko},
  journal={Gender \& Development},
  volume={24},
  number={1},
  pages={43--52},
  year={2016},
  publisher={Taylor \& Francis}
}

@techreport{cherchi2019empowering,
  title={Empowering Women Through Equal Land Rights},
  author={Cherchi, Ludovica and Goldstein, Markus and Habyarimana, James and Montalvao, Joao and O’Sullivan, Michael and Udry, Chris and Gruver, Ariel and others},
  year={2019},
  institution={The World Bank}
}



@article{royPublicprivatePartnershipsMicrofinance2009,
	title = {Public-private partnerships in micro-finance: {Should} {NGO} involvement be restricted?},
	volume = {90},
	issn = {0304-3878},
	shorttitle = {Public-private partnerships in micro-finance},
	url = {http://www.sciencedirect.com/science/article/pii/S0304387808001119},
	doi = {10.1016/j.jdeveco.2008.11.001},
	abstract = {This paper examines public–private partnerships in micro-finance, whereby NGOs can help in channelizing credit to the poor, both in borrower selection, as well as in project implementation. We argue that a distortion may arise out of the fact that the private partner, i.e. the NGO, is a motivated agent. We find that whenever the project is neither too productive, nor too unproductive, reducing such distortion requires unbundling borrower selection and project implementation, with the NGO being involved in borrower selection only. Further, we compare and contrast two alternative credit delivery mechanisms, the linkage mechanism (which is the focus of this paper), with the ‘Grameen’ one.},
	language = {en},
	number = {2},
	urldate = {2020-01-08},
	journal = {{{Journal of Development Economics}}},
	author = {Roy, Jaideep and Chowdhury, Prabal Roy},
	month = nov,
	year = {2009},
	keywords = {Micro-finance, Motivated agent, NGO, Ownership, Public–private partnerships},
	pages = {200--208},
	file = {ScienceDirect Full Text PDF:C\:\\Users\\ashis\\Zotero\\storage\\Z7BYFASP\\Roy and Chowdhury - 2009 - Public-private partnerships in micro-finance Shou.pdf:application/pdf;ScienceDirect Snapshot:C\:\\Users\\ashis\\Zotero\\storage\\UTGSS5ZY\\S0304387808001119.html:text/html}
}

@article{chakravorty2014does,
  title={Does the quality of electricity matter? Evidence from rural {India}},
  author={Chakravorty, Ujjayant and Pelli, Martino and Marchand, Beyza Ural},
  journal={Journal of Economic Behavior \& Organization},
  volume={107},
  pages={228--247},
  year={2014},
  publisher={Elsevier}
}

@article{stephenson2006domestic,
  title={Domestic violence and contraceptive adoption in Uttar Pradesh, {India}},
  author={Stephenson, Rob and Koenig, Michael A and Ahmed, Saifuddin},
  journal={Studies in Family Planning},
  volume={37},
  number={2},
  pages={75--86},
  year={2006},
  publisher={Wiley Online Library}
}
@article{RePEc:eee:enepol:v:36:y:2008:i:6:p:2016-2029,
  author={Kanagawa, Makoto and Nakata, Toshihiko},
  title={{Assessment of access to electricity and the socio-economic impacts in rural areas of developing countries}},
  journal={Energy Policy},
  year=2008,
  volume={36},
  number={6},
  pages={2016-2029},
  month={June},
  keywords={},
  doi={},
  abstract={The purpose of this study is to reveal relations between access to electricity and advancement in a socio-economic condition in rural areas of developing countries. Recently, multi-dimensional aspects of poverty, for example, economy, education, and health, has been increasingly focused on, and access to modern energy such as electricity is one possible solution. As a case study, we have analyzed unelectrified rural areas in Assam state, India. We have developed an energy-economic model in order to analyze the possibility of electrification through dissemination of electric lighting appliances as well as applied multiple regression analysis to estimate the socio-economic condition, a literacy rate above 6 years old, in the areas. As a result of the case study, the household electrification rate, the 1000Â km2 road density, and sex ratio have been chosen as the explanatory variables of the literacy rate. Moreover, the model analysis shows that complete household electrification will be achieved by the year 2012. In combination with the multiple regression and model analysis, the literacy rate in Assam may increase to 74.4\% from 63.3\%.},
  url={https://ideas.repec.org/a/eee/enepol/v36y2008i6p2016-2029.html}
}

@article{gould2018lpg,
  title={LPG as a clean cooking fuel: Adoption, use, and impact in rural {India}},
  author={Gould, Carlos F and Urpelainen, Johannes},
  journal={Energy Policy},
  volume={122},
  pages={395--408},
  year={2018},
  publisher={Elsevier}
}

@article{bansal2013development,
  title={Development of cooking sector in rural areas in {India}—A review},
  author={Bansal, Mohit and Saini, RP and Khatod, DK},
  journal={Renewable and Sustainable Energy Reviews},
  volume={17},
  pages={44--53},
  year={2013},
  publisher={Elsevier}
}

@article{agrawal2020100,
  title={100\% Rural Electrification in {India}: Myth or Reality?},
  author={Agrawal, Atul and Kumar, Anil and Rao, T Joji},
  booktitle={Energy, Environment and Globalization},
  p={117--126},
  year={2020},
  publisher={Springer}
}

@article{nouni2008providing,
  title={Providing electricity access to remote areas in {India}: An approach towards identifying potential areas for decentralized electricity supply},
  author={Nouni, MR and Mullick, SC and Kandpal, TC},
  journal={Renewable and Sustainable Energy Reviews},
  volume={12},
  number={5},
  pages={1187--1220},
  year={2008},
  publisher={Elsevier}
}

@inproceedings{standal2016empowerment,
  title={Empowerment through energy? Impact of electricity on care work practices and gender relations},
  author={Standal, Karina and Winther, Tanja},
  booktitle={Forum for Development Studies},
  volume={43},
  number={1},
  p={27--45},
  year={2016},
  organization={Taylor \& Francis}
}

@article{hendriksRoleFinancialInclusion2019,
	title = {The role of financial inclusion in driving women’s economic empowerment},
	volume = {29},
	abstract = {This article highlights why the Bill \& Melinda Gates Foundation has focused on ﬁnancial inclusion to advance women’s economic empowerment and drive progress on gender equality. It highlights key lessons from ﬁnancial inclusion-related projects the foundation has supported within the “Putting Women and Girls at the Center of Development (WGCD) Grand Challenge” in 2015. The article also shares the logic and research informing the foundation’s strategy to close the gender gap in ﬁnancial inclusion – a key pillar of its strategy on women’s economic empowerment – and improve the lives and livelihoods of millions of women around the world.},
	language = {en},
	number = {8},
	urldate = {2019-12-29},
	journal = {Development in Practice},
	author = {Hendriks, Sarah},
	month = nov,
	year = {2019},
	pages = {1029--1038},
	file = {Hendriks - 2019 - The role of financial inclusion in driving women’s.pdf:C\:\\Users\\ashis\\Zotero\\storage\\LWJ5XUC5\\Hendriks - 2019 - The role of financial inclusion in driving women’s.pdf:application/pdf}
}


@book{worldbankGlobalFinancialDevelopment2013a,
	address = {Herndon, United States},
	title = {Global {Financial} {Development} {Report} 2014: {Financial} {Inclusion}},
	isbn = {978-0-8213-9990-3},
	shorttitle = {Global {Financial} {Development} {Report} 2014},
	abstract = {Financial inclusion has become a major subject of interest among policymakers, researchers, and other financial sector stakeholders. Many countries, for example, have recently adopted explicit financial inclusion strategies with targets for financial inclusion. The interest reflects an increased recognition that financial inclusion can be a driver of economic growth and poverty alleviation, and that many individuals and firms are excluded unnecessarily from even basic financial services. About half of the world’s adult population— more than 2.5 billion people—have no bank account is one powerful example. Barriers such as cost, travel distance, and amount of paperwork and requirements play an important role. Many of these barriers can be addressed by better policies. Despite the high interest, there are still important gaps in knowledge about financial inclusion, what drives it, and what policies affect it. And while recent years have seen some increases in financial inclusion, there is still much scope to reduce barriers to access. However, one of the challenges is that efforts to increase inclusion, if not implemented well, can backfire. Deeply ingrained social problems cannot be resolved purely with an infusion of debt. If not done properly, it can have the opposite effect, making poor borrowers increasingly dependent on debt, and even contributing to financial instability.Global Financial Development Report 2014: Financial Inclusion is a new report from the World Bank Group. It takes a step back and re-examines financial inclusion from the perspective of new global datasets and new evidence. It builds on a critical mass of new research and operational work produced by World Bank Group staff as well as outside researchers and contributors. The report, the second in this series, follows up on the inaugural issue, the Global Financial Development Report 2013: Rethinking the Role of the State in Finance (http://www.worldbank.org/financialdevelopment). Accompanying the Global Financial Development Report 2014 is a vast body of underlying research and data. Among other things, this includes an expanded and updated version of the Global Financial Development Database, a dataset of over 70 financial system characteristics for 203 economies from 1960 to 2011, which is presented in the report’s appendix.},
	urldate = {2020-02-13},
	publisher = {World Bank Publications},
	author = {{World Bank}},
	year = {2013},
	keywords = {Finance -- Government policy., Financial institutions -- State supervision., Financial services industry., International finance.},
	file = {ProQuest Ebook Snapshot:C\:\\Users\\ashis\\Zotero\\storage\\4PBDT3JS\\detail.html:text/html}
}




@article{goetzWhoTakesCredit1996,
	title = {Who takes the credit? {Gender}, power, and control over loan use in rural credit programs in {Bangladesh}},
	volume = {24},
	issn = {0305-750X},
	shorttitle = {Who takes the credit?},
	doi = {10.1016/0305-750X(95)00124-U},
	abstract = {Special credit institutions in Bangladesh have dramatically increased the credit available to poor rural women since the mid-1980s. Though this is intended to contribute to women's empowerment, few evaluations of loan use investigate whether women actually control this credit. Most often, women's continued high demand for loans and their manifestly high propensity to repay is taken as a proxy indicator for control and empowerment. This paper challenges this assumption by exploring variations in the degree to which women borrowers control their loans directly; reporting on recent research which finds a significant proportion of women's loans to be controlled by male relatives. The paper finds that a preoccupation with “credit performance” — measured primarily in terms of high repayment rates — affects the incentives of fieldworkers dispensing and recovering credit, in ways which may outweigh concerns to ensure that women develop meaningful control over their investment activities.},
	language = {en},
	number = {1},
	urldate = {2019-12-29},
	journal = {World Development},
	author = {Goetz, Anne Marie and Gupta, Rina Sen},
	month = jan,
	year = {1996},
	pages = {45--63},
	file = {ScienceDirect Full Text PDF:C\:\\Users\\ashis\\Zotero\\storage\\T9VIAXJB\\Goetz and Gupta - 1996 - Who takes the credit Gender, power, and control o.pdf:application/pdf;ScienceDirect Snapshot:C\:\\Users\\ashis\\Zotero\\storage\\DD9IQD3W\\0305750X9500124U.html:text/html}
}

@article{o2014women,
  title={Women, energy, and economic empowerment: applying a gender lens to amplify the impact of energy access},
  author={O’Dell, Kathleen and Peters, Sophia and Wharton, Kate},
  year={2014},
  publisher={Deloitte University Press. Available online at: http://dupress. com/articles~…}
}

@article{meikle2004study,
  title={A Study of the Impact of Energy Use on Poor Urban Women and Girls' Livelihoods in Arusha, Tanzania},
  author={Meikle, S},
  year={2004},
  publisher={London: University College London}
}

@article{burgess2020consequences,
  title={The Consequences of Treating Electricity as a Right},
  author={Burgess, Robin and Greenstone, Michael and Ryan, Nicholas and Sudarshan, Anant},
  journal={Journal of Economic Perspectives},
  volume={34},
  number={1},
  pages={145--69},
  year={2020}
}

@techreport{fultzCashTransferProgrammes2013a,
	type = {{ILO} {Working} {Paper}},
	title = {Cash transfer programmes, poverty reduction and empowerment of women: a comparative analysis: experiences from {Brazil}, {Chile}, {India}, {Mexico} and {South} {Africa}},
	shorttitle = {Cash transfer programmes, poverty reduction and empowerment of women},
	urldate = {2019-12-30},
	institution = {International Labour Organization},
	author = {Fultz, Elaine and Francis, John},
	year = {2013},
	keywords = {India, Brazil, South Africa, Afrique du Sud R, autonomisation des femmes, Brasil, Brésil, cash benefit, Chile, Chili, family benefit, household income, Inde, ingreso de los hogares, lucha contra la pobreza, lutte contre la pauvreté, Mexico, México, Mexique, potenciación de las mujeres, poverty alleviation, prestaciones familiares, prestaciones monetarias, prestations en espèces, prestations familiales, República de Sudáfrica, revenu des ménages, womens empowerment},
	file = {RePEc PDF:C\:\\Users\\ashis\\Zotero\\storage\\ZZNYQ7B3\\Fultz and Francis - 2013 - Cash transfer programmes, poverty reduction and em.pdf:application/pdf;RePEc Snapshot:C\:\\Users\\ashis\\Zotero\\storage\\ED2EVBKV\\994842913402676.html:text/html}
}

@article{fukuda-parrSustainableDevelopmentGoals2018,
	title = {Sustainable {Development} {Goals}},
	language = {en},
	urldate = {2020-02-13},
	journal = {The Oxford Handbook on the United Nations},
	author = {Fukuda-Parr, Sakiko},
	month = jun,
	year = {2018},
	file = {Snapshot:C\:\\Users\\ashis\\Zotero\\storage\\25WS3GB3\\oxfordhb-9780198803164-e-42.html:text/html}
}


@article{ksollImpactVillageSavings2016,
	title = {Impact of {Village} {Savings} and {Loan} {Associations}: {Evidence} from a cluster randomized trial},
	volume = {120},
	issn = {0304-3878},
	shorttitle = {Impact of {Village} {Savings} and {Loan} {Associations}},
	abstract = {The vast majority of the world's poor live in rural areas of developing countries with little access to financial services. Setting up Village Savings and Loan Associations (VSLAs) has become an increasingly widespread intervention aimed at improving local financial intermediation. Using a cluster randomized trial we investigate the impact of VSLAs in Northern Malawi over a two year period. We find evidence of positive and significant intention-to-treat effects on several outcomes, including the number of meals consumed per day, household expenditure as measured by the USAID Poverty Assessment Tool, and the number of rooms in the dwelling. This effect is linked to an increase in savings and credit obtained through the VSLAs, which has increased agricultural investments and income from small businesses.},
	language = {eng},
	number = {C},
	urldate = {2019-10-24},
	journal = {{Journal of Development Economics}},
	author = {Ksoll, Christopher and Lilleør, Helene Bie and Lønborg, Jonas Helth and Rasmussen, Ole Dahl},
	year = {2016},
	keywords = {Savings Groups ; Village Savings and Loan Associations ; Vsla ; Malawi ; Impact Evaluation ; Cluster-Randomized Controlled Trial ; Economics},
	pages = {70--85},
	file = {Full Text:C\:\\Users\\ashis\\Zotero\\storage\\JSKETVW9\\Ksoll et al. - 2016 - Impact of Village Savings and Loan Associations E.pdf:application/pdf}
}

@article{cohen2017bargaining,
  title={Bargaining within the family can generate a political gender gap},
  author={Cohen, Linda and Glazer, Amihai},
  journal={Review of Economics of the Household},
  volume={15},
  number={4},
  pages={1399--1413},
  year={2017},
  publisher={Springer}
}

@article{ecosoc2019special,
  title={Special Edition: Progress towards the Sustainable Development Goals Report of the Secretary-General},
  author={ECOSOC, UN},
  journal={Advanced unedited version. New York (US): United Nations},
  year={2019}
  
  @article{jain2018access,
  title={Access to clean cooking energy and electricity—survey of states 2018},
  author={Jain, Abhishek and Tripathi, Saurabh and Mani, Sunil and Patnaik, Sasmita and Shahidi, Tauseef and Ganesan, Karthik},
  journal={CEEW Report, Council on Energy, Environment and Water (CEEW), New Delhi, India},
  year={2018}
  }
  
  @article{agrawal2020100,
  title={100\% Rural Electrification in India: Myth or Reality?},
  author={Agrawal, Atul and Kumar, Anil and Rao, T Joji},
  booktitle={Energy, Environment and Globalization},
  pages={117--126},
  year={2020},
  publisher={Springer}
}
  
  @article{nhalur2018rural,
  title={Rural Electrification in {India}},
  author={Nhalur, Sreekumar and Josey, Ann and Mandal, Manabika},
  journal={Economic \& Political Weekly},
  volume={53},
  number={45},
  pages={31},
  year={2018}
}
  
  @article{bai2019firm,
  title={Firm growth and corruption: empirical evidence from {Vietnam}},
  author={Bai, Jie and Jayachandran, Seema and Malesky, Edmund J and Olken, Benjamin A},
  journal={The Economic Journal},
  volume={129},
  number={618},
  pages={651--677},
  year={2019},
  publisher={Oxford University Press}
}


@article{ahmed2008microcredit,
  title={Microcredit, men, and masculinity},
  author={Ahmed, Fauzia Erfan},
  journal={NWSA Journal},
  volume={20},
  number={2},
  pages={122--155},
  year={2008},
  publisher={Johns Hopkins University Press}
}

@article{ngo2012microfinance,
  title={Microfinance and gender empowerment},
  author={Ngo, Thi Minh-Phuong and Wahhaj, Zaki},
  journal={{Journal of Development Economics}},
  volume={99},
  number={1},
  pages={1--12},
  year={2012},
  publisher={Elsevier}
}

@article{mayoux2005women,
  title={Women’s empowerment through sustainable microfinance},
  author={Mayoux, Linda},
  journal={Rethinking Best},
  year={2005}
}

@online{rutherford2014,
    author = "Rutherford, Stuart; Vander Meer, Paul",
    title = "ROSCAs on the Rebound",
    Publisher={Center for Financial Inclusion},
    year={2014},
    addendum = "(2014)",
    keywords = "latex,knuth"
}

@article{ashraf2009spousal,
  title={Spousal control and intra-household decision making: An experimental study in the Philippines},
  author={Ashraf, Nava},
  journal={American Economic Review},
  volume={99},
  number={4},
  pages={1245--77},
  year={2009}
}

@article{kedir2011roscas,
  title={ROSCAs in Urban Ethiopia: are the characteristics of the institutions more important than those of members?},
  author={Kedir, Abbi M and Ibrahim, Gamal},
  journal={Journal of development studies},
  volume={47},
  number={7},
  pages={998--1016},
  year={2011},
  publisher={Taylor \& Francis}
}

@article{rammohan2009determinants,
  title={The determinants of married women's autonomy in Indonesia},
  author={Rammohan, Anu and Johar, Meliyanni},
  journal={Feminist Economics},
  volume={15},
  number={4},
  pages={31--55},
  year={2009},
  publisher={Taylor \& Francis}
}

@article{ahlin2016dynamic,
  title={Dynamic microlending under adverse selection: Can it rival group lending?},
  author={Ahlin, Christian and Waters, Brian},
  journal={{Journal of Development Economics}},
  volume={121},
  pages={237--257},
  year={2016},
  publisher={Elsevier}
}

@article{de2016group,
  title={Group lending without joint liability},
  author={De Quidt, Jonathan and Fetzer, Thiemo and Ghatak, Maitreesh},
  journal={{Journal of Development Economics}},
  volume={121},
  pages={217--236},
  year={2016},
  publisher={Elsevier}
}

@article{deininger2013economic,
  title={Economic and social impacts of an innovative self-help group model in {India}},
  author={Deininger, Klaus and Liu, Yanyan},
  journal={World Development},
  volume={43},
  pages={149--163},
  year={2013},
  publisher={Elsevier}
}

@article{mayoux1995gender,
  title={Gender inequality, ROSCAs and sectoral employment strategies: questions from the {South} {Indian} silk industry},
  author={Mayoux, Linda and Anand, Shri},
  journal={Money-go-rounds: The Importance of Rotating Savings and Credit Associations for Women (Washington, DC: BERG, 1995)},
  pages={179--196},
  year={1995}
}

@article{klonner2008private,
  title={Private information and altruism in bidding ROSCAs},
  author={Klonner, Stefan},
  journal={The Economic Journal},
  volume={118},
  number={528},
  pages={775--800},
  year={2008},
  publisher={Oxford University Press Oxford, UK}
}

@article{kumar2015collective,
  title={COLLECTIVE INVESTMENT SCHEMES AND ROLE OF SEBI.},
  author={Kumar, Anoop and others},
  journal={VIDHIGYA: The Journal of Legal Awareness},
  volume={10},
  number={1},
  year={2015},
   publisher={Oxford University Press Oxford, UK}
}

@article{klonner2005adverse,
  title={Adverse selection in credit markets: Evidence from South Indian bidding ROSCAs},
  author={Klonner, Stefan and Rai, Ashok S},
  year={2005},
  publisher={Department of Economics, Cornell University}
}

@article{farooqui2017corporate,
  title={Corporate Frauds and Its Impact: An Analysis of Select Cases},
  author={Farooqui, Arshiya and Nisa, Syeedun},
  journal={Emerging Issues in Finance},
  volume={2017},
  pages={129},
  year={2017},
  publisher={Dr Saif Siddiqui}
}

@article{fisman2017cultural,
  title={Cultural proximity and loan outcomes},
  author={Fisman, Raymond and Paravisini, Daniel and Vig, Vikrant},
  journal={American Economic Review},
  volume={107},
  number={2},
  pages={457--92},
  year={2017}
}

@article{cornell1996culture,
  title={Culture, information, and screening discrimination},
  author={Cornell, Bradford and Welch, Ivo},
  journal={Journal of political Economy},
  volume={104},
  number={3},
  pages={542--571},
  year={1996},
  publisher={The University of Chicago Press}
}

@article{sedaiwd,
author = {Sedai,  Ashish and Vasudevan, Ramaa and Alves Pena, Anita},
doi = {},
journal = {World Development},
pages = {}, _pages = {},
title = {Friends and Benefits? {Endogenous} {Rotating} {Savings} and {Credit} {Associations} as Alternative for Women Empowerment in {India}},
volume = {145C},
number= {105515},
year = {2021},
}

@article{klonner2003rotating,
  title={Rotating savings and credit associations when participants are risk averse},
  author={Klonner, Stefan},
  journal={International Economic Review},
  volume={44},
  number={3},
  pages={979--1005},
  year={2003},
  publisher={Wiley Online Library}
}

@article{kedir2011roscas,
  title={ROSCAs in Urban Ethiopia: are the characteristics of the institutions more important than those of members?},
  author={Kedir, Abbi M and Ibrahim, Gamal},
  journal={Journal of development studies},
  volume={47},
  number={7},
  pages={998--1016},
  year={2011},
  publisher={Taylor \& Francis}
}

@article{schreiner2000formal,
  title={Formal RoSCAs in Argentina},
  author={Schreiner, Mark},
  journal={Development in Practice},
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@book{rbi,
  title={Master Circular on Priority Sector Lending- Special Programmes -Swarnajayanti Gram Swarozgar Yojana (SGSY)},
  author={RBI},
  year={July 02 2012},
  publisher={Reserve Bank of India},
  place={Mumbai}
}


@article{iyigun2007endogenous,
  title={Endogenous gender power, household labor supply and the demographic transition},
  author={Iyigun, Murat and Walsh, Randall P},
  journal={{Journal of Development Economics}},
  volume={82},
  number={1},
  pages={138--155},
  year={2007},
  publisher={Elsevier}
}

@article{besley1993economics,
  title={The economics of rotating savings and credit associations},
  author={Besley, Timothy and Coate, Stephen and Loury, Glenn},
  journal={The American Economic Review},
  pages={792--810},
  year={1993},
  publisher={JSTOR}
}

@book{calman2019toward,
  title={Toward empowerment: Women and movement politics in India},
  author={Calman, Leslie J},
  year={2019},
  publisher={Routledge}
}

@book{jayaraman2001micro,
  title={Micro-finance: Retrospect and prospects},
  author={Jayaraman, B},
  year={2001},
  publisher={National Bank for Agriculture and Rural Development}
}

@incollection{sivakami2019we,
  title={What Do We Know About Sexual and Reproductive Health of Adolescents and Youth in {India}: A Synthesis of Literature},
  author={Sivakami, M and Rai, Saurabh},
  booktitle={Health and Wellbeing of India's Young People},
  pages={121--156},
  year={2019},
  publisher={Springer}
}

@article{10139108620150301,
Abstract = {Earlier studies in India have documented both positive and negative effects of microloans on women; however, most of the studies have been qualitative in nature or geographically limited and have largely ignored sociocultural variations in the country that might influence the effectiveness of microloan programs. The present study uses nationally representative data from India, from the third wave of the National Family Health Survey (NFHS-3), and logistic regression to examine if getting a microloan affects women's access to spaces outside their home, and whether this effect varies by the prevailing gender norms in their respective communities. The sample consists of 37,003 women aged 18-49 who were "usual residents" and knew about microloan programs in their communities. Results of the analysis indicate that the likelihood of full mobility (i.e., being allowed to go alone to the market, health facilities, and places outside the community) is higher for women who had taken a microloan},
Author = {Singh, Swati and Cready, Cynthia},
ISSN = {15691500},
Journal = {Perspectives on Global Development & Technology},
Keywords = {MICROFINANCE, HEALTH surveys, HEALTH facilities, SOCIAL mobility, SELF-efficacy, EQUIPMENT & supplies, SOCIAL aspects, INDIA, Community, Gender norms, India, Microloans, Quantitative, Women's mobility},
Number = {3},
Pages = {333 - 355},
Title = {Microloans and Women's Freedom of Physical Mobility: Evidence from {India}},
Volume = {14},
URL = {https://ezproxy2.library.colostate.edu/login?url=http://search.ebscohost.com/login.aspx?direct=true&AuthType=cookie,ip,url,cpid&custid=s4640792&db=aph&AN=101391086&site=ehost-live},
Year = {2015},
}

@article{kovsted1999rotating,
  title={Rotating savings and credit associations: the choice between random and bidding allocation of funds},
  author={Kovsted, Jens and Lyk-Jensen, Peter},
  journal={{Journal of Development Economics}},
  volume={60},
  number={1},
  pages={143--172},
  year={1999},
  publisher={Elsevier}
}
@article{abraham2013missing,
  title={Missing Labour or Consistent `De-Feminisation' ?},
  author={Abraham, Vinoj},
  journal={Economic and Political Weekly},
  pages={99--108},
  year={2013},
  publisher={JSTOR}
}

@article{article,
author = {Kedir, Abbi and Disney, Richard and Dasgupta, Indraneel},
year = {2011},
month = {06},
pages = {},
title = {Why Use ROSCAs When You Can Use Banks? Theory and Evidence from Ethiopia}
}

@article{katz1997intra,
  title={The intra-household economics of voice and exit},
  author={Katz, Elizabeth},
  journal={Feminist economics},
  volume={3},
  number={3},
  pages={25--46},
  year={1997},
  publisher={Taylor \& Francis}
}

@article{anderson2009enforcement,
  title={Enforcement in informal saving groups},
  author={Anderson, Siwan and Baland, Jean-Marie and Moene, Karl Ove},
  journal={{Journal of Development Economics}},
  volume={90},
  number={1},
  pages={14--23},
  year={2009},
  publisher={Elsevier}
}

@article{khandker2014benefits,
  title={Who benefits most from rural electrification? {Evidence} in {India}},
  author={Khandker, Shahidur R and Samad, Hussain A and Ali, Rubaba and Barnes, Douglas F},
  journal={The Energy Journal},
  volume={35},
  number={2},
  year={2014},
  publisher={International Association for Energy Economics}
}
@article{reito2019roscas,
  title={Roscas without sanctions},
  author={Reito, Francesco},
  journal={Review of Social Economy},
  pages={1--19},
  year={2019},
  publisher={Taylor \& Francis}
}

@article{anderson2002economics,
  title={The economics of roscas and intrahousehold resource allocation},
  author={Anderson, Siwan and Baland, Jean-Marie},
  journal={The Quarterly Journal of Economics},
  volume={117},
  number={3},
  pages={963--995},
  year={2002},
  publisher={MIT Press}
}

@article{bisrat2012there,
  title={Are there financial benefits to join RoSCAs? Empirical evidence from Equb in {Ethiopia}},
  author={Bisrat, Agegnehu and Kostas, Karantininis and Feng, Li},
  journal={Procedia Economics and Finance},
  volume={1},
  pages={229--238},
  year={2012},
  publisher={Elsevier}
}
@article{ardener1964comparative,
  title={The comparative study of rotating credit associations},
  author={Ardener, Shirley},
  journal={The Journal of the Royal Anthropological Institute of Great Britain and Ireland},
  volume={94},
  number={2},
  pages={201--229},
  year={1964},
  publisher={JSTOR}
}

@incollection{hossein2018building,
  title={Building economic solidarity: Caribbean ROSCAs in {Jamaica}, {Guyana}, and {Haiti}},
  author={Hossein, Caroline Shenaz},
  booktitle={The Black Social Economy in the Americas},
  pages={79--95},
  year={2018},
  publisher={Springer}
}

@article{czura2018financial,
  title={Financial Market Responses to a Natural Disaster: Evidence from Local Credit Networks and the {Indian Ocean} {Tsunami}},
  author={Czura, Kristina and Klonner, Stefan},
  year={2018},
  publisher={CESifo Working Paper}
}

@article{bauchet2018rosca,
  title={ROSCA composition and repayment: Evidence from {Taiwanese} bidding ROSCAs},
  author={Bauchet, Jonathan and Larsen, Vance},
  journal={The Journal of Development Studies},
  volume={54},
  number={9},
  pages={1483--1495},
  year={2018},
  publisher={Taylor \& Francis}
}


@article{el2014bank,
  title={Bank-insured RoSCA for microfinance: Experimental evidence in poor {Egyptian} villages},
  author={El-Gamal, Mahmoud and El-Komi, Mohamed and Karlan, Dean and Osman, Adam},
  journal={Journal of Economic Behavior \& Organization},
  volume={103},
  pages={S56--S73},
  year={2014},
  publisher={Elsevier}
}

@article{duflo2012women,
  title={Women empowerment and economic development},
  author={Duflo, Esther},
  journal={Journal of Economic Literature},
  volume={50},
  number={4},
  pages={1051--79},
  year={2012}
}





@article{akotey2016does,
  title={Does microcredit increase household welfare in the absence of microinsurance?},
  author={Akotey, Joseph Oscar and Adjasi, Charles KD},
  journal={World Development},
  volume={77},
  pages={380--394},
  year={2016},
  publisher={Elsevier}
}

@article{chandrasekhar2018financialization,
  title={The financialization of finance? Demonetization and the dubious push to cashlessness in {India}},
  author={Chandrasekhar, CP and Ghosh, Jayati},
  journal={Development and Change},
  volume={49},
  number={2},
  pages={420--436},
  year={2018},
  publisher={Wiley Online Library}
}

@article{roy2009public,
  title={Public-private partnerships in micro-finance: Should NGO involvement be restricted?},
  author={Roy, Jaideep and Chowdhury, Prabal Roy},
  journal={{Journal of Development Economics}},
  volume={90},
  number={2},
  pages={200--208},
  year={2009},
  publisher={Elsevier}
}

@article{mayoux2002microfinance,
  title={Microfinance and women’s empowerment: Rethinking ‘best practice’},
  author={Mayoux, Linda},
  journal={Development Bulletin},
  volume={57},
  number={76-80},
  year={2002}
}

@article{bouman1995rotating,
  title={Rotating and accumulating savings and credit associations: A development perspective},
  author={Bouman, Frits JA},
  journal={World development},
  volume={23},
  number={3},
  pages={371--384},
  year={1995},
  publisher={Elsevier}
}

@article{acquah2018rosca,
  title={ROSCAs as Lenders of Last Resort after Financial Crises: Lessons from Indonesia},
  author={Acquah, Joseph Kofi and Dahal, Roshani},
  journal={Journal of International Development},
  volume={30},
  number={7},
  pages={1223--1239},
  year={2018},
  publisher={Wiley Online Library}
}

@article{el2014bank,
  title={Bank-insured RoSCA for microfinance: Experimental evidence in poor Egyptian villages},
  author={El-Gamal, Mahmoud and El-Komi, Mohamed and Karlan, Dean and Osman, Adam},
  journal={Journal of Economic Behavior \& Organization},
  volume={103},
  pages={S56--S73},
  year={2014},
  publisher={Elsevier}
}

@article{kabeerResourcesAgencyAchievements1999,
	title = {Resources, Agency, Achievements},
	author={Naila Kabeer},
	journal={Development and Change},
	pages={435--464},
	year={1999},
	volume = {30},
	issn = {1467-7660},
	shorttitle = {Resources, {Agency}, {Achievements},
	doi = {10.1111/1467-7660.00125},
	abstract = {This paper begins from the understanding that women's empowerment is about the process by which those who have been denied the ability to make strategic life choices acquire such an ability. A wide gap separates this processual understanding of empowerment from the more instrumentalist forms of advocacy which have required the measurement and quantification of empowerment. The ability to exercise choice incorporates three inter-related dimensions: resources (defined broadly to include not only access, but also future claims, to both material and human and social resources); agency (including processes of decision making, as well as less measurable manifestations of agency such as negotiation, deception and manipulation); and achievements (well-being outcomes). A number of studies of women's empowerment are analysed to make some important methodological points about the measurement of empowerment. The paper argues that these three dimensions of choice are indivisible in determining the meaning of an indicator and hence its validity as a measure of empowerment. The notion of choice is further qualified by referring to the conditions of choice, its content and consequences. These qualifications represent an attempt to incorporate the structural parameters of individual choice in the analysis of women's empowerment.},
	language = {en},
	number = {3},
	urldate = {2019-10-22},
	journal = {Development and Change},
	author = {Kabeer, Naila},
	year = {1999},
	pages = {435--464},
	file = {Full Text PDF:C\:\\Users\\ashis\\Zotero\\storage\\7J2Y8797\\Kabeer - 1999 - Resources, Agency, Achievements Reflections on th.pdf:application/pdf;Snapshot:C\:\\Users\\ashis\\Zotero\\storage\\PRSJNTWS\\1467-7660.html:text/html}
}

@article{kabeer2001,
	title = {Conflicts {Over} {Credit}: {Re}-{Evaluating} the {Empowerment} {Potential} of {Loans} to {Women} in {Rural} {Bangladesh}},
	volume = {29},
	issn = {0305-750X},
	shorttitle = {Conflicts {Over} {Credit}},
	abstract = {This paper explores the reasons why recent evaluations of the empowerment potential of credit programs for rural women in Bangladesh have arrived at very conflicting conclusions. Although these evaluations use somewhat different methodologies and have been carried out at different points of time, the paper argues that the primary source of the conflict lies in the very different understandings of intrahousehold power relations which these studies draw on. It supports this argument through a comparative analysis with the findings of a participatory evaluation of a rather different credit program in Bangladesh in which the impact of loans was evaluated by women loanees themselves.},
	language = {en},
	number = {1},
	urldate = {2020-01-11},
	journal = {World Development},
	author = {Kabeer, Naila},
	month = jan,
	year = {2001},
	keywords = {Asia, Bangladesh, empowerment, evaluation, gender, microcredit},
	pages = {63--84},
	file = {ScienceDirect Full Text PDF:C\:\\Users\\ashis\\Zotero\\storage\\J4JFN9AG\\Kabeer - 2001 - Conflicts Over Credit Re-Evaluating the Empowerme.pdf:application/pdf;ScienceDirect Snapshot:C\:\\Users\\ashis\\Zotero\\storage\\58CMYW5H\\S0305750X00000814.html:text/html}
}

@article{fukuda2016millennium,
  title={From the Millennium Development Goals to the Sustainable Development Goals: shifts in purpose, concept, and politics of global goal setting for development},
  author={Fukuda-Parr, Sakiko},
  journal={Gender \& Development},
  volume={24},
  number={1},
  pages={43--52},
  year={2016},
  publisher={Taylor \& Francis}
}

@article{udryGenderAgriculturalProduction2015,
	title = {Gender, {Agricultural} {Production}, and the {Theory} of the {Household}},
	issn = {DR000563 00223808 DI980622 98P00454},
	doi = {10.1086/262050},
	abstract = {Virtually all models of the household assume that the allocation of resources is Pareto efficient. Within many African households, agricultural production occurs on many plots controlled by different members of the household. Pareto efficiency implies that factors should be allocated efficiently across these plots. I find, in contrast, that plots controlled by women are farmed much less intensively than similar plots within the household controlled by men. The estimates imply that about 6 percent of output is lost because of inefficient factor allocation within the household. The paper suggests a new approach to modeling intra household allocation consistent with the empirical results.},
	language = {en},
	urldate = {2019-12-27},
	journal = {Journal of Political Economy},
	author = {Udry, Christopher},
	month = oct,
	year = {2015},
	file = {Snapshot:C\:\\Users\\ashis\\Zotero\\storage\\F3UIRLSC\\login.html:text/html}
}



@article{royPublicprivatePartnershipsMicrofinance2009,
	title = {Public-private partnerships in micro-finance: {Should} {NGO} involvement be restricted?},
	volume = {90},
	issn = {0304-3878},
	shorttitle = {Public-private partnerships in micro-finance},
	url = {http://www.sciencedirect.com/science/article/pii/S0304387808001119},
	doi = {10.1016/j.jdeveco.2008.11.001},
	abstract = {This paper examines public–private partnerships in micro-finance, whereby NGOs can help in channelizing credit to the poor, both in borrower selection, as well as in project implementation. We argue that a distortion may arise out of the fact that the private partner, i.e. the NGO, is a motivated agent. We find that whenever the project is neither too productive, nor too unproductive, reducing such distortion requires unbundling borrower selection and project implementation, with the NGO being involved in borrower selection only. Further, we compare and contrast two alternative credit delivery mechanisms, the linkage mechanism (which is the focus of this paper), with the ‘Grameen’ one.},
	language = {en},
	number = {2},
	urldate = {2020-01-08},
	journal = {{Journal of Development Economics}},
	author = {Roy, Jaideep and Chowdhury, Prabal Roy},
	month = nov,
	year = {2009},
	keywords = {Micro-finance, Motivated agent, NGO, Ownership, Public–private partnerships},
	pages = {200--208},
	file = {ScienceDirect Full Text PDF:C\:\\Users\\ashis\\Zotero\\storage\\Z7BYFASP\\Roy and Chowdhury - 2009 - Public-private partnerships in micro-finance Shou.pdf:application/pdf;ScienceDirect Snapshot:C\:\\Users\\ashis\\Zotero\\storage\\UTGSS5ZY\\S0304387808001119.html:text/html}
}

@article{hendriksRoleFinancialInclusion2019,
	title = {The role of financial inclusion in driving women’s economic empowerment},
	volume = {29},
	issn = {0961-4524, 1364-9213},
	url = {https://www.tandfonline.com/doi/full/10.1080/09614524.2019.1660308},
	doi = {10.1080/09614524.2019.1660308},
	abstract = {This article highlights why the Bill \& Melinda Gates Foundation has focused on ﬁnancial inclusion to advance women’s economic empowerment and drive progress on gender equality. It highlights key lessons from ﬁnancial inclusion-related projects the foundation has supported within the “Putting Women and Girls at the Center of Development (WGCD) Grand Challenge” in 2015. The article also shares the logic and research informing the foundation’s strategy to close the gender gap in ﬁnancial inclusion – a key pillar of its strategy on women’s economic empowerment – and improve the lives and livelihoods of millions of women around the world.},
	language = {en},
	number = {8},
	urldate = {2019-12-29},
	journal = {Development in Practice},
	author = {Hendriks, Sarah},
	month = nov,
	year = {2019},
	pages = {1029--1038},
	file = {Hendriks - 2019 - The role of financial inclusion in driving women’s.pdf:C\:\\Users\\ashis\\Zotero\\storage\\LWJ5XUC5\\Hendriks - 2019 - The role of financial inclusion in driving women’s.pdf:application/pdf}
}


@book{worldbankGlobalFinancialDevelopment2013a,
	address = {Herndon, United States},
	title = {Global {Financial} {Development} {Report} 2014: {Financial} {Inclusion}},
	isbn = {978-0-8213-9990-3},
	shorttitle = {Global {Financial} {Development} {Report} 2014},
	abstract = {Financial inclusion has become a major subject of interest among policymakers, researchers, and other financial sector stakeholders. Many countries, for example, have recently adopted explicit financial inclusion strategies with targets for financial inclusion. The interest reflects an increased recognition that financial inclusion can be a driver of economic growth and poverty alleviation, and that many individuals and firms are excluded unnecessarily from even basic financial services. About half of the world’s adult population— more than 2.5 billion people—have no bank account is one powerful example. Barriers such as cost, travel distance, and amount of paperwork and requirements play an important role. Many of these barriers can be addressed by better policies. Despite the high interest, there are still important gaps in knowledge about financial inclusion, what drives it, and what policies affect it. And while recent years have seen some increases in financial inclusion, there is still much scope to reduce barriers to access. However, one of the challenges is that efforts to increase inclusion, if not implemented well, can backfire. Deeply ingrained social problems cannot be resolved purely with an infusion of debt. If not done properly, it can have the opposite effect, making poor borrowers increasingly dependent on debt, and even contributing to financial instability.Global Financial Development Report 2014: Financial Inclusion is a new report from the World Bank Group. It takes a step back and re-examines financial inclusion from the perspective of new global datasets and new evidence. It builds on a critical mass of new research and operational work produced by World Bank Group staff as well as outside researchers and contributors. The report, the second in this series, follows up on the inaugural issue, the Global Financial Development Report 2013: Rethinking the Role of the State in Finance (http://www.worldbank.org/financialdevelopment). Accompanying the Global Financial Development Report 2014 is a vast body of underlying research and data. Among other things, this includes an expanded and updated version of the Global Financial Development Database, a dataset of over 70 financial system characteristics for 203 economies from 1960 to 2011, which is presented in the report’s appendix.},
	urldate = {2020-02-13},
	publisher = {World Bank Publications},
	author = {{World Bank}},
	year = {2013},
	keywords = {Finance -- Government policy., Financial institutions -- State supervision., Financial services industry., International finance.},
	file = {ProQuest Ebook Snapshot:C\:\\Users\\ashis\\Zotero\\storage\\4PBDT3JS\\detail.html:text/html}
}




@article{goetzWhoTakesCredit1996,
	title = {Who takes the credit? {Gender}, power, and control over loan use in rural credit programs in {Bangladesh}},
	volume = {24},
	issn = {0305-750X},
	shorttitle = {Who takes the credit?},
	doi = {10.1016/0305-750X(95)00124-U},
	abstract = {Special credit institutions in Bangladesh have dramatically increased the credit available to poor rural women since the mid-1980s. Though this is intended to contribute to women's empowerment, few evaluations of loan use investigate whether women actually control this credit. Most often, women's continued high demand for loans and their manifestly high propensity to repay is taken as a proxy indicator for control and empowerment. This paper challenges this assumption by exploring variations in the degree to which women borrowers control their loans directly; reporting on recent research which finds a significant proportion of women's loans to be controlled by male relatives. The paper finds that a preoccupation with “credit performance” — measured primarily in terms of high repayment rates — affects the incentives of fieldworkers dispensing and recovering credit, in ways which may outweigh concerns to ensure that women develop meaningful control over their investment activities.},
	language = {en},
	number = {1},
	urldate = {2019-12-29},
	journal = {World Development},
	author = {Goetz, Anne Marie and Gupta, Rina Sen},
	month = jan,
	year = {1996},
	pages = {45--63},
	file = {ScienceDirect Full Text PDF:C\:\\Users\\ashis\\Zotero\\storage\\T9VIAXJB\\Goetz and Gupta - 1996 - Who takes the credit Gender, power, and control o.pdf:application/pdf;ScienceDirect Snapshot:C\:\\Users\\ashis\\Zotero\\storage\\DD9IQD3W\\0305750X9500124U.html:text/html}
}


@techreport{fultzCashTransferProgrammes2013a,
	type = {{ILO} {Working} {Paper}},
	title = {Cash transfer programmes, poverty reduction and empowerment of women: a comparative analysis: experiences from {Brazil}, {Chile}, {India}, {Mexico} and {South} {Africa}},
	shorttitle = {Cash transfer programmes, poverty reduction and empowerment of women},
	urldate = {2019-12-30},
	institution = {International Labour Organization},
	author = {Fultz, Elaine and Francis, John},
	year = {2013},
	keywords = {India, Brazil, South Africa, Afrique du Sud R, autonomisation des femmes, Brasil, Brésil, cash benefit, Chile, Chili, family benefit, household income, Inde, ingreso de los hogares, lucha contra la pobreza, lutte contre la pauvreté, Mexico, México, Mexique, potenciación de las mujeres, poverty alleviation, prestaciones familiares, prestaciones monetarias, prestations en espèces, prestations familiales, República de Sudáfrica, revenu des ménages, womens empowerment},
	file = {RePEc PDF:C\:\\Users\\ashis\\Zotero\\storage\\ZZNYQ7B3\\Fultz and Francis - 2013 - Cash transfer programmes, poverty reduction and em.pdf:application/pdf;RePEc Snapshot:C\:\\Users\\ashis\\Zotero\\storage\\ED2EVBKV\\994842913402676.html:text/html}
}

@article{fukuda-parrSustainableDevelopmentGoals2018,
	title = {Sustainable {Development} {Goals}},
	language = {en},
	urldate = {2020-02-13},
	journal = {The Oxford Handbook on the United Nations},
	author = {Fukuda-Parr, Sakiko},
	month = jun,
	year = {2018},
	file = {Snapshot:C\:\\Users\\ashis\\Zotero\\storage\\25WS3GB3\\oxfordhb-9780198803164-e-42.html:text/html}
}


@article{ksollImpactVillageSavings2016,
	title = {Impact of {Village} {Savings} and {Loan} {Associations}: {Evidence} from a cluster randomized trial},
	volume = {120},
	issn = {0304-3878},
	shorttitle = {Impact of {Village} {Savings} and {Loan} {Associations}},
	abstract = {The vast majority of the world's poor live in rural areas of developing countries with little access to financial services. Setting up Village Savings and Loan Associations (VSLAs) has become an increasingly widespread intervention aimed at improving local financial intermediation. Using a cluster randomized trial we investigate the impact of VSLAs in Northern Malawi over a two year period. We find evidence of positive and significant intention-to-treat effects on several outcomes, including the number of meals consumed per day, household expenditure as measured by the USAID Poverty Assessment Tool, and the number of rooms in the dwelling. This effect is linked to an increase in savings and credit obtained through the VSLAs, which has increased agricultural investments and income from small businesses.},
	language = {eng},
	number = {C},
	urldate = {2019-10-24},
	journal = {{Journal of Development Economics}},
	author = {Ksoll, Christopher and Lilleør, Helene Bie and Lønborg, Jonas Helth and Rasmussen, Ole Dahl},
	year = {2016},
	keywords = {Savings Groups ; Village Savings and Loan Associations ; Vsla ; Malawi ; Impact Evaluation ; Cluster-Randomized Controlled Trial ; Economics},
	pages = {70--85},
	file = {Full Text:C\:\\Users\\ashis\\Zotero\\storage\\JSKETVW9\\Ksoll et al. - 2016 - Impact of Village Savings and Loan Associations E.pdf:application/pdf}
}

@article{manser1980marriage,
  title={Marriage and household decision-making: A bargaining analysis},
  author={Manser, Marilyn and Brown, Murray},
  journal={International Economic Review},
  pages={31--44},
  year={1980},
  publisher={JSTOR}
}

@article{le2018interest,
  title={Interest Rates in Savings Groups: Thrift or Threat?},
  author={Le Polain, Ma{\"\i}t{\'e} and Sterck, Olivier and Nyssens, Marthe},
  journal={World Development},
  volume={101},
  pages={162--172},
  year={2018},
  publisher={Elsevier}
}

@article{petersen1995effect,
  title={The effect of credit market competition on lending relationships},
  author={Petersen, Mitchell A and Rajan, Raghuram G},
  journal={The Quarterly Journal of Economics},
  volume={110},
  number={2},
  pages={407--443},
  year={1995},
  publisher={MIT Press}
}

@article{ahmed2008microcredit,
  title={Microcredit, men, and masculinity},
  author={Ahmed, Fauzia Erfan},
  journal={NWSA Journal},
  volume={20},
  number={2},
  pages={122--155},
  year={2008},
  publisher={Johns Hopkins University Press}
}

@article{levitt1997impact,
  title={The impact of federal spending on House election outcomes},
  author={Levitt, Steven D and Snyder Jr, James M},
  journal={Journal of political Economy},
  volume={105},
  number={1},
  pages={30--53},
  year={1997},
  publisher={The University of Chicago Press}


@article{de2007economics,
  title={The economics of microfinance},
  author={De Aghion, Beatriz Armendariz and Armend{\'a}riz, Beatriz and Morduch, Jonathan},
  year={2007},
  publisher={MIT press}
}

@article{banerjee2015six,
  title={Six randomized evaluations of microcredit: Introduction and further steps},
  author={Banerjee, Abhijit and Karlan, Dean and Zinman, Jonathan},
  journal={American Economic Journal: Applied Economics},
  volume={7},
  number={1},
  pages={1--21},
  year={2015}
}

@article{bauer2012behavioral,
  title={Behavioral foundations of microcredit: Experimental and survey evidence from rural India},
  author={Bauer, Michal and Chytilov{\'a}, Julie and Morduch, Jonathan},
  journal={American Economic Review},
  volume={102},
  number={2},
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@article{mcintosh2008estimating,
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@article{field2013does,
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@book{de2004microfinance,
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@article{lamichhane2011water,
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@article{ngo2012microfinance,
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@article{baland2019now,
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@article{bonan2019time,
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@article{mayoux2005women,
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@online{rutherford2014,
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    addendum = "(2014)",
    keywords = "latex,knuth"
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@article{kedir2011roscas,
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@article{rammohan2009determinants,
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@article{ahlin2016dynamic,
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@article{deininger2013economic,
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@article{mayoux1995gender,
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@article{klonner2008private,
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@article{mohini1995women,
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@book{wilson2010financial,
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@article{tsai2000banquet,
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@article{bai2019firm,
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@article{gichuki2014performance,
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@article{bouman1995rotating,
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@article{srinivasan1995roscas,
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@article{smets2000roscas,
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@article{rao2018modelling,
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@article{banerjee2013microcredit,
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@article{desai2018national,
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@article{semykina2010estimating,
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@article{mccaffrey2012review,
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@book{newman2010blocked,
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@article{fang2003comparison,
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@article{jayaweera1997women,
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@article{fang2010new,
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@article{erouglu2010informal,
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@article{ambec2007roscas,
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@article{jayachandran2019social,
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@article{pitt2006empowering,
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@article{shankar2013battling,
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@article{calomiris1998role,
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@article{donoso2011rationale,
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@article{seibel1999dhikuti,
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@article{lancaster2006endogenous,
  title={Endogenous intra-household balance of power and its impact on expenditure patterns: Evidence from {India}},
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@article{hulme2011s,
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@article{imai2010microfinance,
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@article{ksoll2016impact,
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@article{lonborg2014can,
  title={Can microfinance reach the poorest: evidence from a community-managed microfinance intervention},
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@article{bouman1995rotating,
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  number={3},
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  year={1995},
  publisher={Elsevier}
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@article{ohlan2013pattern,
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@article{afridi2018fewer,
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@misc{piketty2013capital,
  title={Capital in the Twenty-first Century [M] Harvard University Press},
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@article{saez2016wealth,
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@article{davies2021comparing,
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@article{rodrik2013structural,
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@book{chancel2022world,
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@article{asher2017politics,
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@article{bhalla2024poverty,
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  title     = {Poverty in India over the Last Decade: Regional Disparities and Development Challenges},
  journal   = {Economic \& Political Weekly},
  year      = {2024},
  volume    = {59},
  number    = {28},
  pages     = {34--42},
  month     = {July},
  url       = {https://www.epw.in/journal/2024/28/special-articles/poverty-india-over-last-decade.html},
  note      = {Accessed November 16, 2024}
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@misc{ft2024middleclass,
  author       = {{Financial Times}},
  title        = {India’s Middle Class and Low-Income Consumers Cut Spending as Costs Rise},
  howpublished = {\url{https://www.ft.com/content/79125b87-aee7-4dff-b941-8ed853ca218c}},
  note         = {Accessed: 2024-11-09},
  year         = {2024},
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@book{mody2023india,
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@article{topalova2010factor,
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@article{lessmann2014spatial,
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bibtex
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@book{atkinson2015inequality,
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@book{barro1991economic,
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@article{agarwal2024digital,
  title={Digital Payments and Consumption: Evidence from the 2016 Demonetization in India},
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  volume={37},
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  year={2024},
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@article{chodorowreich2020cash,
  title={Cash and the Economy: Evidence from India’s Demonetization},
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@article{crouzet2023shocks,
  title={Shocks and Technology Adoption: Evidence from Electronic Payment Systems},
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@article{das2015remoteness,
  title={Remoteness, urbanization, and India’s unbalanced growth},
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@article{chauvin2017different,
  title={What is different about urbanization in rich and poor countries? Cities in Brazil, China, India and the United States},
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@article{desa2020world,
  title={World social report 2020: Inequality in a rapidly changing world},
  author={DESA, UN},
  journal={New York, NY: Department of Economic and Social Affairs, United Nations},
  year={2020}
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@misc{dubey2023cashless,
  title={Can Cashless Payments Spur Economic Growth?},
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    abstract = {This article examines whether more bank presence in underserved areas can improve households’ health. Leveraging a 2005 Reserve Bank of India policy and a regression discontinuity design, I demonstrate that 5 years post-policy, treatment districts have twenty-seven more bank branches than control districts. This expansion increases household employment and access to savings accounts, enhancing health investments. On the healthcare supply side, hospitals utilize more credit and expand services. Six years after the policy, households in treatment districts are nineteen percentage points less likely to suffer from non-chronic illnesses in a given month. Chronic diseases remain unaffected.},
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@article{field2010traditional,
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  author={Field, Erica and Jayachandran, Seema and Pande, Rohini},
  journal={American Economic Review},
  volume={100},
  number={2},
  pages={125--29},
  year={2010}
}

@article{kannan2012counting,
  title={Counting and profiling the missing labour force},
  author={Kannan, KP and Raveendran, G},
  journal={Economic and Political Weekly},
  pages={77--80},
  year={2012},
  publisher={JSTOR}
}

@article{khanna2016gender,
  title={Why gender matters in the solution towards safe sanitation? Reflections from rural India},
  author={Khanna, Tina and Das, Madhumita},
  journal={Global public health},
  volume={11},
  number={10},
  pages={1185--1201},
  year={2016},
  publisher={Taylor \& Francis}
}

@article{patel2021shapes,
  title={What shapes gender attitudes among adolescent girls and boys? Evidence from the UDAYA Longitudinal Study in India},
  author={Patel, Sangram Kishor and Santhya, KG and Haberland, Nicole},
  journal={PloS one},
  volume={16},
  number={3},
  pages={e0248766},
  year={2021},
  publisher={Public Library of Science San Francisco, CA USA}
}

@article{hirway2011understanding,
  title={Understanding women's work using time-use statistics: The case of India},
  author={Hirway, Indira and Jose, Sunny},
  journal={Feminist Economics},
  volume={17},
  number={4},
  pages={67--92},
  year={2011},
  publisher={Taylor \& Francis}
}

@article{jayachandran2021social,
  title={Social norms as a barrier to women’s employment in developing countries},
  author={Jayachandran, Seema},
  journal={IMF Economic Review},
  volume={69},
  number={3},
  pages={576--595},
  year={2021},
  publisher={Springer}
}

@article{miller2022opportunity,
  title={Opportunity costs of unpaid caregiving: Evidence from panel time diaries},
  author={Miller, Ray and Sedai, Ashish Kumar},
  journal={The Journal of the Economics of Ageing},
  volume={22},
  pages={100386},
  year={2022},
  publisher={Elsevier}
}

@article{sarkar2019employment,
  title={Employment transitions of women in India: A panel analysis},
  author={Sarkar, Sudipa and Sahoo, Soham and Klasen, Stephan},
  journal={World Development},
  volume={115},
  pages={291--309},
  year={2019},
  publisher={Elsevier}
}

@book{world2011world,
  title={World development report 2012: Gender equality and development},
  author={Bank, World},
  year={2011},
  publisher={The World Bank}
}

@article{chowdhury2018reflections,
  title={Reflections of employers' gender preferences in job ads in India: an analysis of online job portal data},
  author={Chowdhury, Afra Rahman and Areias, Ana Carolina and Imaizumi, Saori and Nomura, Shinsaku and Yamauchi, Futoshi},
  journal={World Bank Policy Research Working Paper},
  number={8379},
  year={2018}
}

@article{sedai2022electrification,
  title={Electrification and socio-economic empowerment of women in India},
  author={Sedai, Ashish Kumar and Nepal, Rabindra and Jamasb, Tooraj},
  journal={The Energy Journal},
  volume={43},
  number={2},
  year={2022},
  publisher={International Association for Energy Economics}
}


@article{sanjay2020temperature,
  title={Temperature changes in India},
  author={Sanjay, J and Revadekar, JV and Ramarao, MVS and Borgaonkar, H and Sengupta, S and Kothawale, DR and Patel, Jayashri and Mahesh, R and Ingle, S and AchutaRao, K and others},
  journal={Assessment of Climate Change over the Indian Region: A Report of the Ministry of Earth Sciences (MoES), Government of India},
  pages={21--45},
  year={2020},
  publisher={Springer}
}

@article{barro1992convergence,
  title={Convergence},
  author={Barro, Robert J and Sala-i-Martin, Xavier},
  journal={Journal of Political Economy},
  volume={100},
  number={2},
  pages={223--251},
  year={1992},
  publisher={University of Chicago Press}
}

@article{kraay2006growth,
  title={When is growth pro-poor? Evidence from a panel of countries},
  author={Kraay, Aart},
  journal={Journal of Development Economics},
  volume={80},
  number={1},
  pages={198--227},
  year={2006},
  publisher={Elsevier}
}

@article{demirguckunt2012financial,
  title={Financial inclusion in Africa: An overview},
  author={Demirg{\"u}{\c{c}}-Kunt, Asli and Klapper, Leora},
  journal={Journal of African Economies},
  volume={21},
  number={3},
  pages={34--68},
  year={2012},
  publisher={Oxford University Press}
}

@book{worldbank2016poverty,
  title={Poverty and Shared Prosperity 2016: Taking on Inequality},
  author={{World Bank}},
  year={2016},
  publisher={World Bank}
}

@article{allen2016foundations,
  title={The foundations of financial inclusion: Understanding ownership and use of formal accounts},
  author={Allen, Franklin and Demirg{\"u}{\c{c}}-Kunt, Asli and Klapper, Leora and Per{\'\i}a, Maria S},
  journal={Journal of Financial Economics},
  volume={125},
  number={2},
  pages={248--269},
  year={2016},
  publisher={Elsevier}
}

@misc{merfeld2023poverty,
  title={Poverty at higher frequency},
  author={Merfeld, Joshua and Morduch, Jonathan},
  year={2023},
  publisher={KDI School of Public Policy and Management}
}

@book{atkinson1970,
  author    = {Atkinson, Anthony B.},
  title     = {On the Measurement of Inequality},
  year      = {1970},
  publisher = {Journal of Economic Theory},
  volume    = {2},
  pages     = {244-263}
}

@incollection{bourguignon2003,
  title={The measurement of multidimensional poverty},
  author={Bourguignon, Fran{\c{c}}ois and Chakravarty, Satya R},
  booktitle={Poverty, inequality and welfare},
  pages={83--107},
  year={2003},
  publisher={Springer}
}

@article{foster2005,
  title={A class of chronic poverty measures},
  author={Foster, James and Santos, Maria Emma},
  journal={OPHI Working Paper},
  volume={6},
  year={2005}
}

@book{deaton1997,
  title={The Analysis of Household Surveys: A Microeconometric Approach to Development Policy},
  author={Deaton, Angus},
  year={1997},
  publisher={World Bank Publications},
  address={Washington, D.C.}
}




@book{alkire2015multidimensional,
  title={Multidimensional poverty measurement and analysis},
  author={Alkire, Sabina and Roche, Jos{\'e} Manuel and Ballon, Paola and Foster, James and Santos, Maria Emma and Seth, Suman},
  year={2015},
  publisher={Oxford University Press, USA}
}

@misc{chancel2022world,
  title={World Inequality Report 2022},
  author={Chancel, Lucas and Piketty, Thomas and Saez, Emmanuel and Zucman, Gabriel},
  year={2022},
  publisher={Harvard University Press}
}



@book{sen1992,
  author    = {Sen, Amartya},
  title     = {Inequality Reexamined},
  year      = {1992},
  publisher = {Harvard University Press},
  address   = {Cambridge, MA}
}


@article{bhukta2023does,
  title={Does Financial Inclusion Mitigate Social Exclusion?},
  author={Bhukta, Rikhia and Pakrashi, Debayan and Saha, Sarani and Sedai, Ashish},
  journal={Available at SSRN 4686788},
  year={2023}
}

@article{jiao2023bank,
  title={Bank Expansion, Firm Dynamics, and Structural Transformation: Evidence from India's Policy Experiment},
  author={Jiao, Dian and Mo, Marshall},
  journal={Firm Dynamics, and Structural Transformation: Evidence from India's Policy Experiment (May 1, 2023)},
  year={2023}
}

@article{demirgucc2009finance,
  title={Finance and inequality: Theory and evidence},
  author={Demirg{\"u}{\c{c}}-Kunt, Asli and Levine, Ross},
  journal={Annu. Rev. Financ. Econ.},
  volume={1},
  number={1},
  pages={287--318},
  year={2009},
  publisher={Annual Reviews}
}

@article{banerjee2021long,
  title={Long-term effects of the targeting the ultra poor program},
  author={Banerjee, Abhijit and Duflo, Esther and Sharma, Garima},
  journal={American Economic Review: Insights},
  volume={3},
  number={4},
  pages={471--486},
  year={2021},
  publisher={American Economic Association 2014 Broadway, Suite 305, Nashville, TN 37203}
}

@article{mumtaz2017impact,
  title={The impact of monetary policy on inequality in the {UK}. An empirical analysis},
  author={Mumtaz, Haroon and Theophilopoulou, Angeliki},
  journal={European Economic Review},
  volume={98},
  pages={410--423},
  year={2017},
  publisher={Elsevier}
}

@article{cole2009financial,
  title={Financial development, bank ownership, and growth: or, does quantity imply quality?},
  author={Cole, Shawn},
  journal={The Review of Economics and Statistics},
  volume={91},
  number={1},
  pages={33--51},
  year={2009},
  publisher={The MIT Press}
}


@article{madsen2018inequality,
  title={Inequality, financial development and economic growth in the OECD, 1870--2011},
  author={Madsen, Jakob B and Islam, Md Rabiul and Doucouliagos, Hristos},
  journal={European Economic Review},
  volume={101},
  pages={605--624},
  year={2018},
  publisher={Elsevier}
}

@article{mumtaz2020monetary,
  title={Monetary policy and wealth inequality over the great recession in the UK. An empirical analysis},
  author={Mumtaz, Haroon and Theophilopoulou, Angeliki},
  journal={European Economic Review},
  volume={130},
  pages={103598},
  year={2020},
  publisher={Elsevier}
}

@article{ji2023dynamic,
  title={Dynamic bank expansion: spatial growth, financial access, and inequality},
  author={Ji, Yan and Teng, Songyuan and Townsend, Robert M},
  journal={Journal of Political Economy},
  volume={131},
  number={8},
  pages={2209--2275},
  year={2023},
  publisher={The University of Chicago Press Chicago, IL}
}

@article{banerjee2007economic,
  title={The economic lives of the poor},
  author={Banerjee, Abhijit V and Duflo, Esther},
  journal={Journal of economic perspectives},
  volume={21},
  number={1},
  pages={141--167},
  year={2007},
  publisher={American Economic Association}
}

@article{das1987strategic,
  title={Strategic planning and individual temporal orientation},
  author={Das, Tushar K},
  journal={Strategic management journal},
  volume={8},
  number={2},
  pages={203--209},
  year={1987},
  publisher={Wiley Online Library}
}

@article{ASHRAF2017143,
title = {Banks, market organization, and macroeconomic performance: An agent-based computational analysis},
journal = {Journal of Economic Behavior & Organization},
volume = {135},
pages = {143-180},
year = {2017},
issn = {0167-2681},
doi = {https://doi.org/10.1016/j.jebo.2016.12.023},
url = {https://www.sciencedirect.com/science/article/pii/S016726811630302X},
author = {Quamrul Ashraf and Boris Gershman and Peter Howitt},
keywords = {Agent-based computational model, Market organization, Banking system, Macroeconomic stability, Financial stabilizer},
abstract = {This paper is an exploratory analysis of the role that banks play in supporting what Jevons called the “mechanism of exchange.” It considers a model economy in which exchange activities are facilitated and coordinated by a self-organizing network of entrepreneurial trading firms. Collectively, these firms play the part of the Walrasian auctioneer, matching buyers with sellers and helping the economy to reach prices at which peoples’ trading plans are mutually compatible. Banks affect macroeconomic performance in this economy because their lending activities facilitate the entry and influence the exit decisions of trading firms. Both entry and exit have ambiguous effects on performance, and we resort to computational analysis to understand how they are resolved. Our analysis draws an important distinction between normal and worst-case scenarios, with the economy experiencing systemic breakdowns in the latter. We show that banks can provide a “financial stabilizer” that more than counteracts the familiar financial accelerator, and that the stabilizing role of the banking system is particularly apparent in worst-case scenarios. In line with this result, we also find that under less restrictive lending standards banks are able to more effectively improve macroeconomic performance in the worst-case scenarios.}
}

@article{heblich2019banking,
  title={Banking and industrialization},
  author={Heblich, Stephan and Trew, Alex},
  journal={Journal of the European Economic Association},
  volume={17},
  number={6},
  pages={1753--1796},
  year={2019},
  publisher={Oxford University Press}
}

@article{sala1996classical,
  title={The classical approach to convergence analysis},
  author={Sala-i-Martin, Xavier X},
  journal={The economic journal},
  volume={106},
  number={437},
  pages={1019--1036},
  year={1996},
  publisher={Oxford University Press Oxford, UK}
}

@misc{emran,
  author = {Emran, Shahe.},
  title = {Personal communication},
  year = {2023},
  howpublished = {Email},
}

@article{banerjee2007economic,
  title={The economic lives of the poor},
  author={Banerjee, Abhijit V and Duflo, Esther},
  journal={Journal of economic perspectives},
  volume={21},
  number={1},
  pages={141--167},
  year={2007},
  publisher={American Economic Association}
}

@misc{rajan2015hundred,
  title={A hundred small steps: Report of the committee on financial sector reforms},
  author={Rajan, Raghuram G},
  year={2015},
  publisher={Planning Commission, Government of India}
}

@article{beck2010households,
  title={Which Households Use Banks? Evidence from the Transition Economies (Replaced by EBC DP 2011-024)},
  author={Beck, THL and Brown, M},
  year={2010}
}

@article{barro1991convergence,
  title={Convergence across states and regions},
  author={Barro, Robert J and Sala-i-Martin, Xavier and Blanchard, Olivier Jean and Hall, Robert E},
  journal={Brookings papers on economic activity},
  pages={107--182},
  year={1991},
  publisher={JSTOR}
}

@techreport{barboni2022rural,
  title={Rural Banks Can Reduce Poverty: Experimental Evidence from 870 Indian Villages},
  author={Barboni, Giorgia and Field, Erica and Pande, Rohini},
  year={2022},
  institution={Working Paper, Yale Economic Growth Center}
}

@article{Jones1995,
  author = {Jones, Charles I.},
  title = {R \& D-based models of economic growth},
  journal = {Journal of Political Economy},
  year = {1995},
  volume = {103},
  number = {4},
  pages = {759-784}
}

@article{cecchetti2012reassessing,
  title={Reassessing the impact of finance on growth (No. 381)},
  author={Cecchetti, Stephen G and Kharroubi, Enisse},
  journal={Bank for international settlements},
  year={2012}
}

@article{philippon2012wages,
  title={Wages and human capital in the US finance industry: 1909--2006},
  author={Philippon, Thomas and Reshef, Ariell},
  journal={The Quarterly Journal of Economics},
  volume={127},
  number={4},
  pages={1551--1609},
  year={2012},
  publisher={MIT Press}
}

@article{Blinder2007,
  author = {Blinder, Alan S.},
  title = {What explains the rising trend in US income inequality?},
  journal = {Economic Journal},
  year = {2007},
  volume = {117},
  number = {519},
  pages = {1-27}
}

@article{Hsieh2009,
  author = {Hsieh, Chang-Tai},
  title = {The allocation of talent and US economic growth},
  journal = {Quarterly Journal of Economics},
  year = {2009},
  volume = {124},
  number = {2},
  pages = {717-768}
}

@article{Piketty2014,
  author = {Piketty, Thomas},
  title = {Capital in the twenty-first century},
  journal = {Journal of Economic Literature},
  year = {2014},
  volume = {52},
  number = {2},
  pages = {518-552}
}

@article{Moretti2010,
  author = {Moretti, Enrico},
  title = {Local labor markets},
  journal = {Handbook of Labor Economics},
  year = {2010},
  volume = {4},
  pages = {1237-1313}
}


@article{beck2010big,
  title={Big bad banks? The winners and losers from bank deregulation in the {United States}},
  author={Beck, Thorsten and Levine, Ross and Levkov, Alexey},
  journal={Journal of Finance},
  volume={65},
  number={5},
  pages={1637--1667},
  year={2010},
  publisher={Wiley Online Library}
}

@article{azam2018spatial,
  title={Spatial income inequality in India, 1993--2011: A decomposition analysis},
  author={Azam, Mehtabul and Bhatt, Vipul},
  journal={Social Indicators Research},
  volume={138},
  pages={505--522},
  year={2018},
  publisher={Springer}
}

@article{somanathan2021impact,
  title={The impact of temperature on productivity and labor supply: Evidence from Indian manufacturing},
  author={Somanathan, Eswaran and Somanathan, Rohini and Sudarshan, Anant and Tewari, Meenu},
  journal={Journal of Political Economy},
  volume={129},
  number={6},
  pages={1797--1827},
  year={2021},
  publisher={The University of Chicago Press Chicago, IL}
}

@article{chetty2022social,
  title={Social capital I: measurement and associations with economic mobility},
  author={Chetty, Raj and Jackson, Matthew O and Kuchler, Theresa and Stroebel, Johannes and Hendren, Nathaniel and Fluegge, Robert B and Gong, Sara and Gonzalez, Federico and Grondin, Armelle and Jacob, Matthew and others},
  journal={Nature},
  volume={608},
  number={7921},
  pages={108--121},
  year={2022},
  publisher={Nature Publishing Group UK London}
}

@article{chiu2018welfare,
  title={On the welfare effects of credit arrangements},
  author={Chiu, Jonathan and Dong, Mei and Shao, Enchuan},
  journal={International Economic Review},
  volume={59},
  number={3},
  pages={1621--1651},
  year={2018},
  publisher={Wiley Online Library}
}

@article{beck2007reaching,
  title={Reaching out: Access to and use of banking services across countries},
  author={Beck, Thorsten and Demirguc-Kunt, Asli and Peria, Maria Soledad Martinez},
  journal={Journal of Financial Economics},
  volume={85},
  number={1},
  pages={234--266},
  year={2007},
  publisher={Elsevier}
}

@article{schwert2018bank,
  title={Bank capital and lending relationships},
  author={Schwert, Michael},
  journal={The Journal of Finance},
  volume={73},
  number={2},
  pages={787--830},
  year={2018},
  publisher={Wiley Online Library}
}

@misc{south2020cursed,
  title={The Cursed Blessing of Public Banks. 2020},
  author={South Asia Economic Focus, Spring},
  year={2020}
}

@article{cole2009fixing,
  title={Fixing market failures or fixing elections? Agricultural credit in {India}},
  author={Cole, Shawn},
  journal={American Economic Journal: Applied Economics},
  volume={1},
  number={1},
  pages={219--250},
  year={2009},
  publisher={American Economic Association}
}

@article{alkire2011counting,
  title={Counting and multidimensional poverty measurement},
  author={Alkire, Sabina and Foster, James},
  journal={Journal of Public Economics},
  volume={95},
  number={7-8},
  pages={476--487},
  year={2011},
  publisher={Elsevier}
}

@article{cattaneo2023guide,
  title={A guide to regression discontinuity designs in medical applications},
  author={Cattaneo, Matias D and Keele, Luke and Titiunik, Rocio},
  journal={arXiv preprint arXiv:2302.07413},
  year={2023}
}


@article{greenwood1990financial,
  title={Financial development, growth, and the distribution of income},
  author={Greenwood, Jeremy and Jovanovic, Boyan},
  journal={Journal of Political Economy},
  volume={98},
  number={5, Part 1},
  pages={1076--1107},
  year={1990},
  publisher={The University of Chicago Press}
}

@article{gibson2021night,
  title={Which night lights data should we use in economics, and where?},
  author={Gibson, John and Olivia, Susan and Boe-Gibson, Geua and Li, Chao},
  journal={Journal of Development Economics},
  volume={149},
  pages={102602},
  year={2021},
  publisher={Elsevier}
}

@article{prakash2019criminally,
  title={Do criminally accused politicians affect economic outcomes? Evidence from {India}},
  author={Prakash, Nishith and Rockmore, Marc and Uppal, Yogesh},
  journal={Journal of Development Economics},
  volume={141},
  pages={102370},
  year={2019},
  publisher={Elsevier}
}



@article{rajan1998financial,
  title={Financial dependence and growth},
  author={Rajan, Raghuram G and Zingales, Luigi},
  journal={The American Economic Review},
  volume={88},
  number={3},
  pages={559},
  year={1998},
  publisher={American Economic Association}
}

@article{kroszner2007banking,
  title={Banking crises, financial dependence, and growth},
  author={Kroszner, Randall S and Laeven, Luc and Klingebiel, Daniela},
  journal={Journal of Financial Economics},
  volume={84},
  number={1},
  pages={187--228},
  year={2007},
  publisher={Elsevier}
}

@article{beyer2020district,
  title={District-level convergence and public banks in {India}},
  author={Beyer, Robert and Yamada, Takahiro},
  journal={Available at SSRN 3818578},
  year={2020}
}

@book{atkinson2015inequality,
  title={Inequality: What can be done?},
  author={Atkinson, Anthony B},
  year={2015},
  publisher={Harvard University Press}
}

@book{piketty2014capital,
  title={Capital in the twenty-first century},
  author={Piketty, Thomas},
  year={2014},
  publisher={Harvard University Press}
}

@article{chanda2020shedding,
  title={Shedding light on regional growth and convergence in {India}},
  author={Chanda, Areendam and Kabiraj, Sujana},
  journal={World Development},
  volume={133},
  pages={104961},
  year={2020},
  publisher={Elsevier}
}

@article{lamba2020dynamism,
  title={Dynamism with incommensurate development: The distinctive {Indian} model},
  author={Lamba, Rohit and Subramanian, Arvind},
  journal={Journal of Economic Perspectives},
  volume={34},
  number={1},
  pages={3--30},
  year={2020},
  publisher={American Economic Association 2014 Broadway, Suite 305, Nashville, TN 37203-2418}
}

@article{crawford2018asymmetric,
  title={Asymmetric information and imperfect competition in lending markets},
  author={Crawford, Gregory S and Pavanini, Nicola and Schivardi, Fabiano},
  journal={American Economic Review},
  volume={108},
  number={7},
  pages={1659--1701},
  year={2018},
  publisher={American Economic Association 2014 Broadway, Suite 305, Nashville, TN 37203}
}

@article{pastor2021inequality,
  title={Inequality aversion, populism, and the backlash against globalization},
  author={P{\'a}stor, L'ubo{\v{s}} and Veronesi, Pietro},
  journal={Journal of Finance},
  volume={76},
  number={6},
  pages={2857--2906},
  year={2021},
  publisher={Wiley Online Library}
}

@article{rajan2011land,
  title={Land and credit: A study of the political economy of banking in the {United States} in the early 20th century},
  author={Rajan, Raghuram G and Ramcharan, Rodney},
  journal={Journal of Finance},
  volume={66},
  number={6},
  pages={1895--1931},
  year={2011},
  publisher={Wiley Online Library}
}

@article{ait2021model,
  title={A model of endogenous financial inclusion: Implications for inequality and monetary policy},
  author={Ait Lahcen, Mohammed and Gomis-Porqueras, Pedro},
  journal={Journal of Money, Credit and Banking},
  volume={53},
  number={5},
  pages={1175--1209},
  year={2021},
  publisher={Wiley Online Library}
}

@article{demirgucc2009finance,
  title={Finance and inequality: Theory and evidence},
  author={Demirg{\"u}{\c{c}}-Kunt, Asli and Levine, Ross},
  journal={Annu. Rev. Financ. Econ.},
  volume={1},
  number={1},
  pages={287--318},
  year={2009},
  publisher={Annual Reviews}
}

@article{suesse2020rural,
  title={Rural transformation, inequality, and the origins of microfinance},
  author={Suesse, Marvin and Wolf, Nikolaus},
  journal={Journal of Development Economics},
  volume={143},
  pages={102429},
  year={2020},
  publisher={Elsevier}
}

@article{erauskin2019international,
  title={International financial integration and income inequality in a stochastically growing economy},
  author={Erauskin, I{\~n}aki and Turnovsky, Stephen J},
  journal={Journal of International Economics},
  volume={119},
  pages={55--74},
  year={2019},
  publisher={Elsevier}
}

@article{altunbacs2020finance,
  title={Finance and income inequality revisited},
  author={Altunba{\c{s}}, Yener and Thornton, John},
  journal={Finance Research Letters},
  volume={37},
  pages={101355},
  year={2020},
  publisher={Elsevier}
}

@article{agnello2012financial,
  title={Financial reforms and income inequality},
  author={Agnello, Luca and Mallick, Sushanta K and Sousa, Ricardo M},
  journal={Economics Letters},
  volume={116},
  number={3},
  pages={583--587},
  year={2012},
  publisher={Elsevier}
}

@article{durlauf1996theory,
  title={A theory of persistent income inequality},
  author={Durlauf, Steven N},
  journal={Journal of Economic growth},
  volume={1},
  pages={75--93},
  year={1996},
  publisher={Springer}
}

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@article{patel2021shapes,
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  author={Patel, Sangram Kishor and Santhya, KG and Haberland, Nicole},
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@article{hirway2011understanding,
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  volume={69},
  number={3},
  pages={576--595},
  year={2021},
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@article{miller2022opportunity,
  title={Opportunity costs of unpaid caregiving: Evidence from panel time diaries},
  author={Miller, Ray and Sedai, Ashish Kumar},
  journal={The Journal of the Economics of Ageing},
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  pages={100386},
  year={2022},
  publisher={Elsevier}
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@article{sarkar2019employment,
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  author={Sarkar, Sudipa and Sahoo, Soham and Klasen, Stephan},
  journal={World Development},
  volume={115},
  pages={291--309},
  year={2019},
  publisher={Elsevier}
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@book{world2011world,
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  author={Bank, World},
  year={2011},
  publisher={The World Bank}
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@article{chowdhury2018reflections,
  title={Reflections of employers' gender preferences in job ads in India: an analysis of online job portal data},
  author={Chowdhury, Afra Rahman and Areias, Ana Carolina and Imaizumi, Saori and Nomura, Shinsaku and Yamauchi, Futoshi},
  journal={World Bank Policy Research Working Paper},
  number={8379},
  year={2018}
}

@article{sedai2022electrification,
  title={Electrification and socio-economic empowerment of women in India},
  author={Sedai, Ashish Kumar and Nepal, Rabindra and Jamasb, Tooraj},
  journal={The Energy Journal},
  volume={43},
  number={2},
  year={2022},
  publisher={International Association for Energy Economics}
}


@article{sanjay2020temperature,
  title={Temperature changes in India},
  author={Sanjay, J and Revadekar, JV and Ramarao, MVS and Borgaonkar, H and Sengupta, S and Kothawale, DR and Patel, Jayashri and Mahesh, R and Ingle, S and AchutaRao, K and others},
  journal={Assessment of Climate Change over the Indian Region: A Report of the Ministry of Earth Sciences (MoES), Government of India},
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  publisher={Springer}
}

@misc{merfeld2023poverty,
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  author={Merfeld, Joshua and Morduch, Jonathan},
  year={2023},
  publisher={KDI School of Public Policy and Management}
}


