• Vaijanath Sagaramath.

their businesses are first, financial institutions. Product and process standardization has led to certainty for the lenders but is often proven that such an approach leads to credit which is inadequate to the livelihood activity. To meet the unmet demand, women tend to borrow from self-help groups, friends, and family or even money lenders. Multiple loans to support a single livelihood leads to defaults. The domestic microfinance sector witnessed a robust double-digit growth of 36 per cent during 12 months ended September 2019, ratings agency ICRA said in a research note. The overall microloan market was reported at Rs 2.9 lakh crore as of September last year on the back of good growth of banks

nd ever since its inception it has continued to attract the attention to attra

"Micro finance and Empowerment in Karnataka: An Analysis ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.8, Issue 8, page no.a677-a684, August-2021, Available :http://www.jetir.org/papers/JETIR2108087.pdf

"Micro finance and Empowerment in Karnataka: An Analysis ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.8, Issue 8, page no. ppa677-a684, August-2021, Available at : http://www.jetir.org/papers/JETIR2108087.pdf