Published Paper Details:

In celebration of the International Year of Cooperatives 2025, which recognizes the enduring power of cooperatives in building a better world, this study examines the transformative role of women-led cooperative societies in fostering financial inclusion and enhancing rural livelihoods. Cooperatives are increasingly acknowledged as inclusive economic models that empower marginalized communities, especially women, by facilitating access to credit, encouraging savings, and nurturing grassroots development. This research focuses on the Milan Mahila Saving and Credit Cooperative Society Ltd, founded in 2017 in Maliya, a taluka in Morbi district, Gujarat, characterized by low literacy and income levels. Drawing on primary survey data from both members and non-members, as well as cooperative financial records, the study highlights the cooperative's significant impact on improving credit accessibility, promoting savings behavior, boosting income-generating activities, and advancing women's empowerment. The findings underscore the relevance of cooperatives as vehicles for inclusive growth, aligning with the global vision of IYC-2025 to promote equity, resilience, and sustainable development through cooperative action.