Deininger, KlausGoyal, Aparajita2012-03-192012-03-192010-03-01https://hdl.handle.net/10986/3740Despite 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.CC BY 3.0 IGOACCESS TO INFORMATIONADJUDICATIONADMINISTRATIVE PROCESSESAGRICULTURAL DEBTAGRICULTUREALMASSETSASYMMETRIC INFORMATIONBANK POLICYBASE YEARBUSINESS PROCESSCASE OF DEFAULTCENTRAL BANKCERTIFICATESCHECKSCHILD LABORCOLLATERALCOMMERCIAL BANKSCOMPARATIVE ECONOMICSCONTRACT ENFORCEABILITYCOOPERATIVE BANKSCORRUPTIONCREDIT ACCESSCREDIT DISBURSEMENTCREDIT EXPANSIONCREDIT INCREASECREDIT MARKETCREDIT MARKETSCREDIT RATIONINGCURRENCYCUSTOMSDEEDDEEDSDEPENDENTDIGITIZATIONDISBURSEMENTECONOMIC CONDITIONSECONOMIC DEVELOPMENTECONOMIC EFFICIENCYECONOMIC HISTORYECONOMIC OUTCOMESECONOMIC PERFORMANCEECONOMIC STRUCTUREELECTRONIC FORMENCUMBRANCEENCUMBRANCESENFORCEMENT POWERESTATEEXPROPRIATIONFINANCE CORPORATIONFINANCIAL INSTRUMENTSFINANCIAL MARKETFINANCIAL MARKETSFINANCIAL SECTORFORECLOSUREGDPHOUSINGHUMAN CAPITALHUMAN INTERACTIONILLIQUID WEALTHIMMOVABLE PROPERTYINEFFICIENCYINFORMATION TECHNOLOGYINSPECTIONINSTITUTIONINSTITUTIONAL ARRANGEMENTSINSTRUMENTINTERNATIONAL BANKINTERNATIONAL FINANCEINVESTMENT OPPORTUNITIESLABOR MARKETSLAND AS COLLATERALLAND OWNERSHIPLAND POLICIESLAND POLICYLAND RECORDSLAND REGISTRIESLAND REGISTRYLAND REGISTRY OFFICESLAND TAXESLAND TENURELAND TITLINGLAND VALUESLAWSLEGAL EXPERTSLEGAL REFORMLENDERSLEVYLIENSLOANLOAN APPLICATIONSLOAN APPROVALLOAN PORTFOLIOLOAN PROCESSINGMARKET DEVELOPMENTMARKET VALUEMORTGAGESNEOCLASSICAL ECONOMICSOWNERSHIP INFORMATIONPERFECT INFORMATIONPOLITICAL ECONOMYPOSITIVE COEFFICIENTPOSITIVE EFFECTSPRIVATE SECTORPRIVATE SECTOR BANKSPRODUCTIVITYPROPERTY OWNERSHIPPROPERTY REGISTRIESPROPERTY RIGHTSPROPERTY TRANSACTIONSPROPERTY TRANSFERSPROPERTY VALUESPROVISION OF CREDITPUBLIC POLICYPUBLIC REGISTRYPUBLIC SPENDINGREGISTRATION FEEREGISTRATION PROCESSESREGISTRY OFFICEREGISTRY OFFICESREGISTRY REFORMREGISTRY SYSTEMREGISTRY SYSTEMSREGULATORY REFORMREGULATORY REFORMSRELIABILITYRESERVERESERVE BANKRESERVE BANK OF INDIARESIDUAL CLAIMRESULTRESULTSRISK AVERSIONROLE OF INSTITUTIONSRURAL DEBTSSETTLEMENTSOCIAL RELATIONSSTAMP DUTIESSTAMP DUTYSTAMP DUTY RATESSTANDARDIZATIONSUPPLY OF CREDITSURCHARGESTAXTAX OBLIGATIONSTAX REVENUETAXATIONTIME PERIODTITLETITLESTOTAL COSTSTRANSACTIONTRANSACTION COSTTRANSACTION COSTSTRANSACTION VOLUMETRANSFER OF PROPERTYTRANSPARENCYUNDERVALUATIONUSE OF COLLATERALUSERSUSESVALUATIONVALUATIONSWEBWorld Bank10.1596/1813-9450-5244