International Journal For Multidisciplinary Research

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EMPOWERING TRIBAL COMMUNITIES THROUGH FINANCIAL INCLUSION IN JHARKHAND

Author(s) Ms. Manisha Laguri, Dr. Ch Sudipta Kishore Nanda
Country India
Abstract Financial inclusion has become a key focus globally, gaining significant attention in recent years. Financial inclusion has become a new paradigm for promoting economic growth with a focus on more rapid, sustainable, and inclusive growth in the 12th Five-Year Plan (2012–2017). The term "financial inclusion" describes how people and communities can obtain efficient and reasonably priced financial services. The primary objective is to examine the financial inclusion status of tribal communities in the West Singhbhum district of Jharkhand. Despite repeated government efforts to improve banking services accessibility, a sizable section of the native people is still not included in official financial institutions. The research employs a sample survey approach, using structured questionnaires and interviews to gather primary data from 105 randomly selected participants. The indicators of financial inclusion, like the numbers of bank accounts opened, access to credit, and the percentage of debt repaid, were analyzed to assess the level of financial participation within these communities. The study also explores the barriers to fostering financial inclusion, including geographical rural and urban isolation areas, the lack of financial literacy, and socio-economic factors. The findings highlight the crucial need for a pilot study on financial goods and services that are specifically designed to meet the needs of Indigenous people. The present investigation adds to the current discussion on inclusive development and provides information to help policymakers improve the efficacy of financial inclusion initiatives in the tribal areas of Jharkhand.
Keywords Financial Inclusion, Financial Literacy, Tribal community, Socio-economic
Field Business Administration
Published In Volume 7, Issue 2, March-April 2025
Published On 2025-04-30
DOI https://doi.org/10.36948/ijfmr.2025.v07i02.43217
Short DOI https://doi.org/g9g75n
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