Section 2 Progress in financial inclusion in NER Extent of financial exclusion •  As per NSSO data (59th Round Survey Results), in NER, the proportion of farm households not accessing credit from formal sources in the total farm households is significantly high at 95.9 per cent as against national average of 73 per cent.
As Robert Hall points out, this helps to explain why high profits and low interest rates are not boosting investment to a greater extent.6  5  The notion of a natural or neutral rate of interest was first used by Knut Wicksell.