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Going digital : credit effects of land registry computerization in India, Volume 1
Author:Deininger, Klaus; Goyal, Aparajita; Country:India;
Date Stored:2010/03/29Document Date:2010/03/01
Document Type:Policy Research Working PaperSubTopics:Economic Theory & Research; Debt Markets; Bankruptcy and Resolution of Financial Distress; E-Business; Banks & Banking Reform
Language:EnglishMajor Sector:Finance; Agriculture, fishing, and forestry; Public Administration, Law, and Justice
Rel. Proj ID:1W-Land Policies For Growth And Poverty Reduction: Moving Towards -- -- P095390;Region:South Asia
Report Number:WPS5244Sub Sectors:Other Agriculture, Fishing and Forestry; General public administration sector; Housing finance
Collection Title:Policy Research working paper ; no. WPS 5244TF No/Name:TF055157-LAND; TF090736-JAPAN; TF090740-DANISH CTF - FY08 (DAC PART I COUNTRIES WITH A PER-CAPITA GNP OF LESS T; TF092028-GENDER; TF091533-GENDER; TF091531-GENDER
Volume No:1  

Summary: Despite strong beliefs that property titling and registration will enhance credit access, empirical evidence in support of such effects remains scant. The gradual roll-out of computerization of land registry systems across Andhra Pradesh's 387 sub-registry offices allows us to combine quarterly administrative data on credit disbursed by all commercial banks for an eleven-year period (1997-2007) aggregated to the sub-registry office level with the date of shifting registration from manual to digital. Computerization had no credit effect in rural areas but led to increased credit-supply in urban ones. A marked increase of registered urban mortgages due to computerization supports the robustness of the result. At the same time, estimated impacts from reduction of the stamp duty are much larger, suggesting that, without further changes in the property rights system, impacts of computerization will remain marginal.

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