In the present study, an attempt has been made to assess the impact of commercial banks on the rural artisans of Ganjam district of Orissa, further an attempt has also been made to ascertain the various factors for mounting overdues of institutional and non-institutional credit. The study has tried to ascertain whether literacy, age, caste of the borrower, quantum of credit, processing time taken by the banks in sanctioning the loans, under finance (credit gap) ...