International Journal For Multidisciplinary Research

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

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Volume 8 Issue 3
May-June 2026

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Financial Inclusion and Economic Agency of Bodo Women: Examining the Role of Self-Help Groups in Rural Assam

Author(s) Mr. GANESH BARMAN, Prof. Dr. BILASH CHANDRA DAS
Country India
Abstract Abstract
Financial inclusion has emerged as a key driver of inclusive growth and gender equality in developing economies. In India, Self-Help Groups (SHGs) have played a transformative role in integrating rural women into formal financial systems, thereby enhancing their economic participation and agency. This paper examines the relationship between financial inclusion and economic agency among Bodo women in Assam, with particular reference to the Bodoland Territorial Region (BTR). The study is based on secondary data drawn from government reports, academic literature, and institutional publications. It explores how SHGs facilitate access to financial services, strengthen savings and credit behavior, and enhance women’s participation in household and community-level decision-making. The findings indicate that SHGs have significantly contributed to improving financial access, income-generating opportunities, and socio-economic status among Bodo women. However, persistent structural challenges such as limited market access, inadequate financial literacy, digital exclusion, and institutional inefficiencies constrain the depth of empowerment. The paper argues that financial inclusion must be understood as a multidimensional process that enhances economic agency rather than merely providing access to financial services. The study concludes with policy recommendations emphasizing capacity building, digital financial inclusion, and institutional strengthening to ensure sustainable empowerment outcomes.
Keywords Financial Inclusion; Economic Agency; Bodo Women; Self-Help Groups; Assam; Rural Development; Women Empowerment
Field Arts
Published In Volume 8, Issue 3, May-June 2026
Published On 2026-06-13
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E-ISSN 2582-2160
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