• Noopur
• Dr.Sujatha Susanna KumariD

The Sustainable Development Goals 2030 of United Nations has made Gender Equality & Women Empowerment as one of its 17 goals; this shows the inequality faced by women and its significance in economic growth and development. Since independence, India has been continuously trying both at the policy and project implementation level to bring women in the formal financial system. Of many initiatives carried out, two programmes which pioneered financial and social inclusion - Reserve Bank of India’s (RBI) initiative in 1992 to reach out to women through Self Help Group model and the recent Jan Dhan Yojana. Efforts of India in microfinance and financial inclusion have received appreciation from all corners. India has improved its financial inclusion position, has reduced its gender gap in financial inclusion to 6% (83% of the men and 77% of women have a bank account). Although, the progress has been positive yet lot needs to be done. Hence continuous innovation in financial products and services is needed to achieve the goals of financial inclusion and reducing the gender gap. This research paper has attempted to analyse one of the financial products - Micro-loan/Credit in the light of life cycle needs of women

Micro finance, Financial Inclusion, Social Inclusion

"Aligning Micro-loans with Life Cycle Financial Needs of Women", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 6, page no.165-175, June-2019, Available :http://www.jetir.org/papers/JETIRCK06019.pdf

"Aligning Micro-loans with Life Cycle Financial Needs of Women", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 6, page no. pp165-175, June-2019, Available at : http://www.jetir.org/papers/JETIRCK06019.pdf