• Praneesh
• Sowmya K
• B Shashank Rao
• Keerthan A
• Mohammed. Ifwan

Access to formal credit remains a continuous task for financially disadvantaged groups, usually due to the absence of conventional information on financial information and credit points. This article presents a progressive solution that uses artificial intelligence and blockchain generation to create a soft and inclusive microfinance ecosystem. The proposed gadget uses alternative financial signals, along with mobile transaction behavior, consumable behavior and collection patterns to evaluate credibility by studying the regression system. To make some transparency and evaluate, the loan process is protected using totally intelligent blockchain -based contracts that automate the payment and payment of mortgage loans. The entire platform has been designed using the Mern stack and provides a friendly interface for borrowers and directors. In part of the AI -oriented credit score with decentralized financial mechanisms, system ambitions to reduce dependence on high hobby random loan channels and promote greater economic inclusion. This method no longer guarantees as much as possible, but also minimizes the danger of corruption and exploration in the loan process. The task describes the architecture, methodology and expected results of Gadget, and highlights the potential to turn the panoramic into microfinances into underestimated populations.

Formal Credit Access, Financial Inclusion, Artificial Intelligence, Blockchain Technology, Microfinance Ecosystem, Alternative Financial Signals, Credit Scoring, Decentralized Finance.

"AI- DRIVEN SMART MICROFINANCE AND CREDIT SYSTEM FOR POOR ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 7, page no.1191-1195, July-2025, Available :http://www.jetir.org/papers/JETIRGX06231.pdf

"AI- DRIVEN SMART MICROFINANCE AND CREDIT SYSTEM FOR POOR ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 7, page no. pp1191-1195, July-2025, Available at : http://www.jetir.org/papers/JETIRGX06231.pdf