The mostly unorganized and non-corporate sectors like transport and trade constitute major drivers of economic growth in India. Yet, by and large, they have no legitimate channels to access credit, and come to depend on the too costly non-banking financiers that also include money-lenders at the bottom level of the private money market where rates are sky-high. Eventually,reduced to simple arithmetic, the common man has to shell out any-thing from 35 % to 80% more than the producer price for his consumer goods.…..Continue……