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VOL. 12, ISSUE 2 (2026)
Analysing the present status of financial inclusion in Bihar
Authors
Dr. Dhiraj Kumar
Abstract
Financial inclusion, defined as the availability of banking services at
an affordable cost for disadvantaged and low-income groups, is regarded as an
essential component of efforts to foster inclusive economic growth in
developing countries. It is widely believed that extending access to
institutional financial services to deprived and unbanked women can help
address their exclusion and promote empowerment. Financial inclusion has been
regarded by successive governments as a top priority, making the assessment of
its progress a crucial task. In Bihar, financial inclusion also strengthens
livelihood security by facilitating access to institutional credit, insurance,
and government welfare transfers. The social inclusion theory emphasizes that
financial access empowers disadvantaged groups, especially women, by increasing
their economic participation and decision-making power. Overall, financial
inclusion acts as a catalyst for sustainable development by enhancing financial
capability, promoting self-employment, and fostering long-term economic
resilience in Bihar. In this present paper a modest attempt has been made to
depict the present status of financial inclusion in Bihar.
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Pages:269-272
How to cite this article:
Dr. Dhiraj Kumar "Analysing the present status of financial inclusion in Bihar". International Journal of Commerce and Management Research, Vol 12, Issue 2, 2026, Pages 269-272
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