The Last Mile: Analysis of real data in rural India for evaluating Microfinance and Financial Inclusion

Author(s)	Ms. GRANTHANA DAS, Mr. PARTHA SARATHI CHAKRABORTY, Ms. BUSSAREDDY VASAVI, Mr. S NALLUSWAMY
Country	India
Abstract	This study examines the significant contribution of Microfinance Institutions (MFIs) and Self-Help Groups (SHGs) topromoting financial inclusion in rural India. Although the country has experienced considerable economic growth, many ruralhouseholds still lack access to formal banking services because of geographical limitations and social constraints. By employing real-world data and appropriate analytical techniques, the study investigates the effectiveness of microcredit and digital financial servicesin reducing poverty and enhancing women's empowerment. The results indicate that microfinance plays an important role inaddressing the initial credit shortage; however, issues such as inadequate financial literacy and regional disparities continue to limit itsoverall impact. Therefore, the study emphasizes that combining financial literacy initiatives with scalable financial solutions is crucialfor achieving Sustainable Development Goals (SDGs) 1 (No Poverty), 2 (Zero Hunger), and 10 (Reduced Inequalities).
Keywords	SHG, Women Empowerment, Financial Inclusion,microcredit, SDG
Field	Sociology > Administration / Law / Management
Published In	Volume 7, Issue 5, September-October 2026
Published On	2026-10-14

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