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Published Paper Details:
Training In Microfinance Promoting Financial Literacy- A Pathway To Empowerment
Authors
Arpita Dubey,Prof. Brijesh Rawat
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Keywords
Keywords: Microfinance, Financial Literacy, Training Programs, Loan Repayment Behavior, Financial Inclusion, Entrepreneurship Development, Economic Empowerment, Women Entrepreneurs, Debt Management, Savings Behaviour.
Abstract
Financial literacy is a key determinant of financial stability and economic empowerment, particularly for individuals in low-income communities who rely on microfinance services. While microfinance provides access to financial resources, the lack of financial literacy often leads to ineffective financial management, over-indebtedness, and business failures. This study examines the role of training in microfinance as a tool for promoting financial literacy and improving financial decision-making among microfinance clients.
Using a mixed-methods approach, this research combines primary data from surveys conducted among 500 microfinance clients and secondary data from reputable financial institutions and scholarly articles. The study analyzes the impact of financial literacy training on loan repayment behavior, savings patterns, business performance, and overall economic well-being. Empirical evidence suggests that clients who receive structured financial training demonstrate improved financial planning, better debt management, and higher savings rates compared to those without training.
Graphical analysis reveals a notable shift in financial literacy levels post-training, with a 25% reduction in clients classified as having low financial literacy, and a 15% increase in those categorized as highly financially literate. Additionally, loan repayment rates among trained clients improved by 20%, reducing default rates and enhancing financial sustainability for both borrowers and microfinance institutions. The study also highlights the gender-specific impact of financial literacy training, showing that women entrepreneurs experience significant benefits, including greater financial independence and improved business outcomes.
Despite its positive impact, the study identifies key challenges such as accessibility constraints, variations in training effectiveness, and the need for more scalable and cost-effective training models. The findings underscore the necessity for integrating financial literacy training as a mandatory component of microfinance programs, leveraging digital platforms to enhance accessibility, and developing gender-sensitive training modules to maximize impact.
The study concludes that financial literacy training is a critical enabler of financial inclusion and sustainable economic growth. Policymakers, microfinance institutions, and development organizations should prioritize structured financial education programs to empower individuals with the knowledge and skills required to make sound financial decisions, improve their livelihoods, and contribute to broader economic development.
IJCRT's Publication Details
Unique Identification Number - IJCRT2503658
Paper ID - 279659
Author type - Indian Author
Page Number(s) - f729-f734
Pubished in - Volume 13 | Issue 3 | March 2025
DOI (Digital Object Identifier) -
No Of Downloads - 80
Author Country - India, 282007, Agra, Agra, 282007, Management All
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Arpita Dubey,Prof. Brijesh Rawat, "Training In Microfinance Promoting Financial Literacy- A Pathway To Empowerment", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.13, Issue 3, pp.f729-f734, March 2025, Available at :http://www.ijcrt.org/papers/IJCRT2503658.pdf
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