International Journal For Multidisciplinary Research

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

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An Empirical Study of Microfinance and Economic Development of Tribal Households in the TSP Areas of Southern Rajasthan

Author(s) Dr. Shalendra Singh Rao, Gaurav Kumar Singh
Country India
Abstract Microfinance has emerged as a key instrument for promoting financial inclusion and improving household level economic outcomes, particularly among marginalised communities. The present study examines the impact of microfinance on the economic development of tribal households in the Tribal Sub Plan areas of Southern Rajasthan. The study adopts a quantitative research design based on primary data collected from 178 tribal households with prior exposure to microfinance services. Data were gathered using a structured questionnaire comprising Likert scale statements measuring microfinance access and household economic development. Reliability of the instrument was confirmed using Cronbach’s alpha, which indicated satisfactory internal consistency. Simple linear regression analysis was employed to assess the effect of microfinance on economic development. The findings reveal a statistically significant and positive relationship between microfinance and economic development, with microfinance explaining a substantial proportion of variation in household economic outcomes. The results suggest that access to microfinance services contributes to improvements in income stability, savings behaviour, asset creation, and overall economic well being of tribal households. The study offers empirical evidence relevant for policymakers and development practitioners seeking to strengthen microfinance interventions in tribal regions.
Keywords Microfinance, Economic Development, Tribal Households, Financial Inclusion, and Tribal Sub Plan Areas
Field Business Administration
Published In Volume 5, Issue 5, September-October 2023
Published On 2023-10-06
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E-ISSN 2582-2160
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