• Dr. Anjali Trivedi

One of the utmost active practices is to adopt an inclusive growth policy to achieve economic growth. An inclusive growth means include the excluded population into all benefits. Financial inclusion is a financial upliftment process, to help poor, slum, backward and women to come out from the poverty trap. Financial Inclusion means inclusion of excluded population to access formal financial services like savings, borrowings, insurance and pension from formal financial institutions. For constructing strong financial system, it is very necessary to know first that whether sources of financial services are actually reaching to the unreached people; the awareness among people for the formal financial services i.e. financial literacy and inclusion of the excluded population by providing banking services. Among socio- economic problems in India, Gender inequality is one of the major affecting problems. A noteworthy access gap has taken place between male and female regardless of significant development in broadening access to formal financial products in the country. The main objectives of this research are to examine nature and extent of accessing borrowing services including borrowing details, sources of borrowing, purpose of borrowing, and difficulties in borrowing to urban women. Primary data collection method is used through semi-structured questionnaire. Major finding of this study is that poor urban women prefer to borrow funds from informal sources rather than going to bank for it.

Financial inclusion, Urban Area, Urban Women, Borrowings pattern, Borrowing Source, Borrowing Difficulties.

"Borrowing Behaviour of Urban Women: An Evidence from Ahmedabad District", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.11, Issue 2, page no.g532-g541, February-2024, Available :http://www.jetir.org/papers/JETIR2402668.pdf

"Borrowing Behaviour of Urban Women: An Evidence from Ahmedabad District", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.11, Issue 2, page no. ppg532-g541, February-2024, Available at : http://www.jetir.org/papers/JETIR2402668.pdf