10/04/2026
#๐๐ข๐๐ซ๐จ๐๐ข๐ง๐๐ง๐๐ ๐ข๐ง ๐๐ง๐๐ข๐ ๐ข๐ฌ ๐๐จ๐ข๐ง๐ ๐ฐ๐ก๐๐ญ ๐ข๐ญ ๐ข๐ฌ ๐ฆ๐๐๐ง๐ญ ๐ญ๐จ ๐๐จ - ๐๐๐๐๐๐ ๐๐๐๐๐๐๐๐๐๐๐.
Based on a nationally representative study of 10,000+ borrowers across 10 states, the latest research by MFIN - NCAER study โ๐จ๐๐๐๐๐๐๐๐ ๐๐๐ ๐ฌ๐๐๐๐๐๐๐๐๐๐๐๐ ๐๐ ๐น๐๐๐๐๐๐๐๐
๐บ๐๐๐๐ ๐ฉ๐๐๐๐๐๐๐๐ ๐๐ ๐ฐ๐๐
๐๐โ finds:
โ 75%+ loans used for income generation
โ Over half repaid through business income funded by the loan
โ 78% borrowers contribute to household income
This shows that microfinance is driving income generation, supporting local enterprise, and strengthening household cash flows, not just meeting short-term needs.
What stands out further:
โ 97% borrowers report regular savings
โ 84% have credit-linked insurance
Together, this reflects a deeper shift:
๐ ๐ญ๐๐๐ ๐๐๐๐๐๐ ๐๐ ๐๐๐๐๐
๐ ๐ญ๐๐๐ ๐๐๐๐
๐๐ ๐๐ ๐๐๐๐๐๐๐๐๐ ๐
๐๐๐๐๐๐๐๐๐
๐ ๐ญ๐๐๐ ๐๐๐๐๐๐๐๐๐๐๐๐๐ ๐๐ ๐๐๐๐๐๐๐๐๐๐
As incomes become linked to enterprise activity and supported by savings and insurance, households are better placed to absorb shocks, manage risks, and sustain livelihoods.
๐๐ฉ๐ช๐ด ๐ช๐ด ๐ธ๐ฉ๐ข๐ต ๐ฎ๐ฆ๐ข๐ฏ๐ช๐ฏ๐จ๐ง๐ถ๐ญ ๐ง๐ช๐ฏ๐ข๐ฏ๐ค๐ช๐ข๐ญ ๐ช๐ฏ๐ค๐ญ๐ถ๐ด๐ช๐ฐ๐ฏ ๐ญ๐ฐ๐ฐ๐ฌ๐ด ๐ญ๐ช๐ฌ๐ฆ ๐ข๐ต ๐ต๐ฉ๐ฆ ๐ญ๐ข๐ด๐ต ๐ฎ๐ช๐ญ๐ฆ.