International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

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Leveraging Mobile Technology for Financial Empowerment: The Impact of Nano Loans in Bangladesh

Author(s) Mr. Muin uddin Ahmed, Mr. Sumon Miah, Ms. Sohana Nizam, Mr. Abdullah Al Mamun, Mrs Trisha Ahmed
Country Bangladesh
Abstract Limited access to financial resources presents a major obstacle to poverty alleviation and economic growth in Bangladesh, a common issue among emerging economies. While conventional microfinance has demonstrably expanded financial inclusion, considerable disparities persist, particularly among those marginalized from mainstream financial services. This study assesses the feasibility and potential effects of mobile-based micro-loans in Bangladesh as a potential solution to address these shortcomings. Mobile technology facilitates the provision of small, accessible nano loans to low-income individuals for emergency and short-term needs, thus enhancing their financial resilience and autonomy. This research utilizes a mixed-methods methodology, incorporating qualitative stakeholder interviews and quantitative user survey data, to ascertain both the potential and the challenges inherent in nano-loan implementation. Research reveals significant consumer demand for mobile financial services, yet also identifies obstacles concerning digital literacy, regulatory frameworks, and societal attitudes. This document presents actionable recommendations for the pilot and scaling of nano-loan initiatives, underscoring the significance of collaborative efforts across sectors and customized educational programs to achieve broad adoption. Nano-loans are ultimately poised to make a significant contribution to the formalization of financial inclusion for Bangladesh's unbanked population.
Keywords nano loans
Field Business Administration
Published In Volume 7, Issue 4, July-August 2025
Published On 2025-07-07
DOI https://doi.org/10.36948/ijfmr.2025.v07i04.44947
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E-ISSN 2582-2160
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