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Contents: CONTENTS: # Foreword: Preface: List of Figures: List of Tables: List of Appendices:. Introduction: The Problem • Relevance of the Study • Objectives •: Methodology • Sample Design • Data Base • Techniques: of Analysis • Plan of the Study • References .:. Credit Policy for the Tribal Poor and the Genesis of: Micro Credit System in India: Introduction • Credit Policy for the Tribal Poor in India •: Socio – economic conditions of Tribes in India • Credit: Policy • Establishment of RRBs and FSSs • Consumption: Loans • Poverty Alleviation Programmes • Tribal Sub: Plan • Strategy of Tribal Development • Extent of: Indebtedness • Credit Agencies and Social Groups • Types: of Security and Social Groups • Debt According to Purpose: and Social Groups • Genesis of Micro Credit System in: India • Evolution • Progress of SHGs in India • Spread: of SHGBank Linkage Programme • Agency – wise: participation • Summary • References.:. Socioeconomic Profile of the Study Area and Sample: Respondents: Introduction • District Profile • Administrative Features •: Demographic Characteristics • Rivers • Climate and: Economics of Micro Finance: TH PROOF JAN : Rainfall • Flora • Fauna • Agriculture • Irrigation • Animal: Husbandry • Minerals • Industries • Infrastructure •: SocioEconomic Profile of the Sample Respondents •: Age Composition • Family Size • Educational Status •: Caste Composition • Value of Assets • Occupation: Pattern • Income • Expenditure • IncomeExpenditure: Relationship • Earning Status and Dependency Ratio •: Summary • References.:. Factors Determining Borrowing and Indebtedness: Introduction • The Theory of Asymmetric Information •: Structure of Borrowings of the Sample Respondents •: Distribution of Households by Level of Deficit • Extent of: Indebtedness • Distribution of Borrowings by Agency •: Distribution of Borrowings by Purpose • Distribution: of Borrowings by Rate of Interest • Distribution of: Borrowings by Security • Determinants of Participation in: B