Search
63 articles for “Financial inclusion”
-
A Data-Driven Study of Financial Inclusion Initiatives and Inclusive Development
Abstract: Financial literacy and inclusion are said to be crucial pillars of robust economy. Financial inclusion emphasizes on expansion of financial services to people belonging to different classes. Financial inclusion has resulted in expansion of financial services to people belonging to different classes and financial literacy works for generating demand for services that are a part of demand side. Financial inclusion provides information to people about financial services and they even …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 · pp. 1–10 Read article
-
Pmjdy and Financial Inclusion in Gujarat: a Conceptual Review of Achievements and Usage Gaps
Abstract: The Pradhan Mantri Jan Dhan Yojana (PMJDY) is a flagship financial inclusion program of the Government of India designed to provide universal access to formal banking services. Since its introduction in 2014, the scheme has recorded remarkable progress in terms of outreach and account penetration, with more than 57 crore bank accounts opened nationwide. Despite this achievement, concerns persist regarding the effective utilization of these accounts. Evidence from official statistics, …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
-
The Challenges on Enhancing Women’s Financial Inclusion Using Digital Financial Services
Abstract: Any nation's economic development will have reached a major new level if its citizens have adopted digital financial services on a mass scale. Particularly in light of the publication of the covid-19 data, the new diversified banking structure that has been established in India with the intention of using technology to improve financial services for underserved groups, such as small businesses and individuals with low incomes, has been established. The …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 5, Issue 1, 2022 Read article
-
Assessing the Role of India Post Payments Bank in Promoting Financial Inclusion: A Study on Customer Satisfaction
Abstract: Financial inclusion remains a critical objective in India’s economic development agenda, particularly in extending formal banking services to rural and underserved populations. India Post Payments Bank (IPPB), launched in 2018 under the Department of Posts, represents a unique institutional model that combines digital banking with an extensive postal network to enhance financial accessibility. This study assesses the role of IPPB in promoting financial inclusion, with a specific focus on customer …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 9, Issue 1, 2026 Read article
-
ROLE OF SIDBI IN PROMOTING FINANCIAL INCLUSION AND CREDIT ACCESS FOR MSME’s IN INDIA
Abstract: The study has been carried out to understand the role of SIDBI in promoting financial inclusion and improving credit access for MSMEs in India. The main purpose of the study is to examine how SIDBI supports MSMEs through different financial inclusion activities and improves the availability of formal credit facilities. Both primary and secondary data were used for conducting the study. Primary data was collected from 40 MSME respondents by …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 9, Issue 2, 2026 Read article
-
Innovation-Driven Financial Inclusion as a Catalyst for Sustainable Economic and Social Development
Abstract: A key instrument for advancing sustainable economic and social development is innovation-driven financial inclusion. It entails utilizing technology innovations like digital banking, mobile payment systems, fintech platforms, and data analytics to increase marginalized and underprivileged groups' access to financial services. Innovative financial solutions facilitate access to banking, credit, insurance, and savings facilities for consumers and small enterprises by lowering barriers associated with cost, distance, and documentation. Low-income populations' financial security, …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 9, Issue 2, 2026 Read article
-
Role of NBFCs and Government Schemes in Enhancing Financial Inclusion of Small Businesses inIndia.
Abstract: Financial inclusion act as main role in helping sustainable economic development by ensuring timely and for smaller companies, the right to access economic opportunities brings lower costs. In a India, Moften find it difficult to get access to formal credit. This is primarily because of due to collateral limited credit histories and complex banking rules. NBFC can help subservice departments through give flexible loan options quick repayment plans and suggest …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 9, Issue 2, 2026 Read article
-
Current Financial Scenario of India: a Study
Abstract: India’s current financial scenario reflects a dynamic transformation driven by economic reforms, technological advancement, financial inclusion initiatives, and changing global economic conditions. This study examines the present financial condition of India with special emphasis on financial inclusion, banking expansion, inflation trends, and GDP growth. The research highlights the crucial role played by commercial banks and automated teller machines (ATMs) in improving access to financial services across rural and urban regions. …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
-
Empowering Women through Financial Literacy in India
Abstract: Today, women are making their mark in every field. Their contribution is remarkable to society aswell as to the economy of any country. If we talk about women’s empowerment in the present scenariowhere time rapidly changes, it demands not only literacy but also financial literacy amongst women.Financial literacy is the possession of the set of skills and knowledge that allows an individual tomake informed and effective decisions with all of …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 4, Issue 1, 2021 Read article
-
A Study on Assessing the Effectiveness of Indian Post Payments Bank in Expanding Financial Inculsion Among Rural Area
Abstract: Financial inclusion remains a critical driver of equitable economic development in India, particularly in rural areas where access to formal banking services has historically been limited. This study examines the effectiveness of India Post Payments Bank (IPPB) in expanding financial inclusion among rural populations by leveraging the extensive postal network and digital banking infrastructure. Established to bridge the last-mile connectivity gap, IPPB delivers doorstep banking services through postmen and Gramin …
Published in NOLEGEIN Journal of Operations Research & Management · Vol. 9, Issue 2, 2026 Read article
-
UPI and the Transformation of India's Digital Economy
Abstract: From a payment innovation, the Unified Payments Interface (UPI) has grown into a crucial pillar of India's quickly developing digital economy. It is important not just for facilitating electronic transfers but also for establishing an interoperable environment where banks, merchants, customers, and IT firms may engage in digital transactions via a shared infrastructure. This shift has been expedited by the expansion of mobile connection, cellphones, bank account penetration, and financial …
Published in NOLEGEIN Journal of Management Information Systems · Vol. 9, Issue 2, 2026 Read article
-
Growth of Digital Wallets in India: Opportunities and Challenges for Business
Abstract: The rapid growth of digital wallets has become one of the most significant developments in India’s evolving digital financial ecosystem. Supported by technological advancements, widespread smartphone adoption, affordable internet connectivity, and proactive government initiatives such as Digital India and Unified Payments Interface (UPI), digital wallets have transformed the way financial transactions are conducted across the country. This study examines the growth of digital wallets in India and evaluates the opportunities …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
-
The Role of SHG-BLP on Micro Credit Access
Abstract: This study examines the role of the Self-Help Group-Bank Linkage Programme (SHG-BLP) in improving access to microcredit among rural women in Reddyvarahalli, Karnataka. The main objective is to understand the role of SHG-BLP, identify the different types of loans available to members, and examine the factors influencing access to microcredit. A descriptive research design was adopted for the study. Both primary and secondary data were collected to ensure a comprehensive …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 9, Issue 2, 2026 Read article
-
The Potential Applications and Implications of Decentralized Finance
Abstract: Decentralized finance (DeFi) has the potential to revolutionize the financial industry by leveraging blockchain technology to create a decentralized, open financial system. The Web3 ecosystem, with its decentralized and open architecture, is the perfect platform for DeFi to thrive. The potential to reduce the cost and increase the efficiency of financial transactions, and the possibility of creating a more inclusive and equitable financial system. However, there are also concerns about …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 5, Issue 2, 2022 · pp. 22–28 Read article
-
A study on Financial Inclusion and its impact on business strategy of street vendors in Mumbai city
Abstract: The study examines the influence of financial inclusion on the business strategies of street vendors in Mumbai city. By analyzing factors such as access to credit, adoption of digital payments, and participation in government schemes, the research highlights how financial services enhance business growth. The findings show that vendors with access to financial services experience higher sales, increased customer retention, and improved income stability. Despite these benefits, barriers such as …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 1, 2025 · pp. 6–12 Read article
-
An Overview on Digitalisation & Financial Inclusion of Self-Help Groups in India
Abstract: Digitalization empowers money related consideration by conveying cost-saving money related administrations inside a shorter period by employing an advanced stage to get to manage an account and budgetary services. The present article could be a basic survey as well as a quantitative inquire about plan. It decides how digitalization is playing a part of catalyst in empowering SHGs to perform better way. The widespread lack of funding available at the …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 2, 2024 · pp. 47–52 Read article
-
A Study on Recent Trends in Digital Payment System in India
Abstract: India’s digital payment ecosystem has experienced an unprecedented transformation over the past decade, positioning the country as one of the global leaders in real-time digital transactions. This rapid growth has been primarily driven by the Unified Payments Interface (UPI), strong government initiatives under Digital India, expansion of digital public infrastructure, increasing smartphone penetration, and continuous innovation by fintech companies. My study examines recent trends in India’s digital payment landscape during …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
-
Role of Digital Lending Platforms In Enhancing Access To Formal Credit
Abstract: Digital lending platforms have changed the way people borrow money, making the loan process faster, easier, and more convenient. Instead of visiting banks, filling out many forms, and waiting for approval, people can now apply for loans through mobile apps and websites from anywhere. These platforms have become popular because they save time, require less paperwork, and provide quick access to formal credit. The main purpose of this study is …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
-
Adoption of Unified Payments Interface Among College Students and Educators
Abstract: Digital payment systems play important role in supporting sustainable development. One of the most successful examples in India is the Unified Payments Interface (UPI), introduced by the National Payments Corporation of India in 2016. UPI allows users to make real-time digital transactions through mobile applications and has become one of the most widely used payment systems in India. Currently, Millions of transactions are processed through UPI every month. This study …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 · pp. 11–18 Read article
-
Women Entrepreneurs: Barriers and Breakthroughs
Abstract: Women entrepreneurs are playing a transformative role in the global economy by driving innovation, generating employment opportunities, and contributing to sustainable development. Over the past decade, the participation of women in entrepreneurial activities has increased significantly across both developed and developing nations. Despite this progress, women entrepreneurs continue to encounter multiple barriers that limit their business growth and long-term sustainability. These challenges include restricted access to financial resources, gender discrimination, …
Published in NOLEGEIN Journal of Business Ethics, Ethos & CSR · Vol. 9, Issue 2, 2026 · pp. 21–26 Read article