• Pallawi Priya

The Micro Finance Institutions are playing an important role of financial intermediaries in the microfinance sector. They act as an important conduit for extending financial services to the micro finance sector in the country by raising resources from Banks and other institutions and extending loans to SHG members. A large number of institutions both in public sector as well as private sector provide micro finance services to the poor for their livelihood promotion. So far North Bihar is concerned it may be said that aiming at the Bihar’s development, the central government has initiated many livelihood promotion efforts (programs) in the state. Though the Bihar government has done little innovation, it has accommodated the programs that came its way. From the beginning, the Departments of Rural Development, Women and Child Welfare, Economic Affairs, etc. have been playing an important role in the promotion of the SHG movement in Bihar and North Bihar. A study regarding social and commercial efficiency regarding microfinance institutions of North Bihar is done by me which is collected from the microfinance programmes. The impact of microfinance programme on poverty, employment and women empowerment is measured by an analysis of the data.

Microfinance, Livelihood, SHGs, Social upliftment, Poverty, Employment, Women empowerment.

"Social and Commercial Efficiency: A study of Microfinance Institutions in reference to North Bihar", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.10, Issue 1, page no.e644-e651, January-2023, Available :http://www.jetir.org/papers/JETIR2301486.pdf

"Social and Commercial Efficiency: A study of Microfinance Institutions in reference to North Bihar", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.10, Issue 1, page no. ppe644-e651, January-2023, Available at : http://www.jetir.org/papers/JETIR2301486.pdf