महिलांच्या आर्थिक सक्षमीकरणासाठी मुद्रा कर्ज योजनेचा प्रभाव

Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-9| September 2025 223 󰫳 󰲗 󰫤 󰭅 󰫦  󰭈 1, .     2 1 , ,   2   ,  , ,  -   ,  , ,   [email protected] Manuscript ID: JRD -2025-170942 ISSN: 2230-9578 Volume 17 Issue 9 Pp. 223-226 September 2025 Submitted: 22 Aug. 2025 Revised: 2 Aug. 2025 Accepted: 21 Sept. 2025 Published: 30 Sept. 2025 :        (PMMY)      .            .  ,  ,       .      .     (mixed-method)    ,   ,    ,       /    .            . :      ,  ,  , MSME ,  󰲐: 󰬀  󰱳 󰭈󰫽 󰫼   󰫦 . 2015  󰰉  󰭈 󰭅        .   , 󰲑  󰰈   󰬂󰬂 󰫦 .   󰱿 ,  󰫦   󰫦 󰭈󰲑󰬴    󰬀  󰭈 . 󰬀  󰱳  󰫼  󰫽 󰲗󰬍󰱘 󰫤 󰫼   󰰉 󰫼 󰬉 .   󰰍  󰬆 󰭈󰭃 󰭅  (PMMY).   8 󰭈 2015  󰰉 󰫼 , 󰫵 󰫯 󰱯 󰬐   󰱳 󰫦 󰬄 󰰉   .         󰫵 󰲐  󰫦 󰫼   . 󰭅 󰱨,  󰫽  (collateral-free) ₹10  󰰩 󰫦 , 󰫵 󰫽  󰱿 󰰉  󰲕   .   󰫳   󰲗      ,  󰬅  󰰍 . 󰭅     (Special Benefits for Women) 󰭅      󰬉 , 󰫵 󰫽   󰬎 󰬎   . Quick Response Code: Website: https://jrdrvb.org/ DOI: Creative Commons (CC BY-NC-SA 4.0) This is an open access journal, and articles are distributed under the terms of the Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International Public License, which allows others to remix, tweak, and build upon the work noncommercially, as long as appropriate credit is given and the new creations ae licensed under the idential terms. Address for correspondence: ,  , ,   How to cite this article: ,     , (2025).    , Journal of Research & Development, 17(9) 223-226. Original Article Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-9| September 2025 224   :         (  . , )  .   ,    .  :         ,      .  :   .              . :           .  󰫾󰰩  (Experiences of Women Beneficiaries) 󰭅    󰱳 󰬉   󰫽    .   󰭈 󰱯 󰲑 :  :     ,   .   , ,   ,        .   :       ,   .    ,     ₹2-2.5  ₹10-15  .  :   .      ,      .     .    :     ,      .          . 󰫯󰲒   󰬍󰫦 (Statistical Data and Conclusions) 󰭅 󰫳 ,    󰱚 󰭈   .    68% .  ,       70%   .          .   ,  ,       .    󰬍󰬴 󰬉  󰱳 󰬆 󰬁 󰲑 .  󰫳 󰫦󰱿󰬎󰬀      󰰚  (gender gap)  󰫼   . 󰬀 󰲑󰱯󰲆: 1.       . 2.      . 3.      . 󰫽 󰫤: Keebler (2005)      .  ,          ,    ,  ,    .           . Sharma & Gupta (2018)  ,      , ,    . Rao & Patel (2019)       , e-KYC, ,       . World Bank Report (2020)   ,            ,      . Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-9| September 2025 225  󰱮: :  󰬉   󰬶    : 󰭈 (󰰘󰫤, )  󰬇 ( , RBI )   : 100  󰰏 :  󰭈󰲅   : 󰱆 󰲄, 󰫽  󰰣  :   󰱿   0.25% 󰰩 󰱿    󰫦     󰭈󰲑󰬴/  󰫦 󰱮 󰬉  󰭈󰫤󰱿 󰰉 󰫼 󰭈󰫤  󰬄  󰭈    (BeneficiariesExperiences) 󰲗 󰬎: "󰫦 󰬉  󰬎  󰰉       ."—  ,  󰱿 󰬎: "󰰏  󰱇    ,    ."—  , 󰲂  󰬁: "     󰱳 󰬆 ."—  ,       :        .    .    :       . :       ,   .   . :   ,   ,   ,          : *    ,      . *        (help desk)    . *  (DIC)          . *              . *  ,    /           . 󰭅     󰰌 󰬉 󰲑: 1. –    ,      . 2. KYC  –    e-KYC ,     . 3.    – Mahila Mudra Loan    . 4.  –   EMI  . 󰭅  󰬀 󰭈 󰫼 󰬉 󰬉 󰰌 󰰘󰲔 󰬀: Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-9| September 2025 226 Targeted Campaigns – “Stand Up India”  “Mahila E-Haat” . Community Outreach –  , , SHGs  . Success Stories Marketing –       . Digital Marketing –     .     󰭅 󰫦 󰬉   󰱿  󰬁󰫦 󰬉 󰬉:      –        (  .  ).     –  ,   ,  .    –       ,   . Storytelling Marketing –        . Cultural Branding –   ,     . Experiential Marketing –        , , . 󰬍󰫦: 󰭅 󰫦  󰫳 󰱿  󰫤 . 󰰏  󰲗 󰫦 󰬎󰫦  󰬉. 󰱿󰫳 󰬀    󰬄 .   󰫦    󰬉,  -19 . :  󰲗 󰫤 󰫦󰬴 . 󰫦  󰭈󰲑󰬴   . 󰫦  .     󰰘󰲔 󰭈󰫤 󰱳. 󰫦: 1. Government of India. (2023). Pradhan Mantri MUDRA Yojana Annual Report. Ministry of Finance. 2. Reserve Bank of India. (2023). Report on Micro, Small and Medium Enterprises (MSME). 3. Kabeer, N. (2005). Gender equality and women's empowerment: A critical analysis of the third millennium development goal. Gender & Development, 13(1), 13–24. 4. Singh, R. (2021). Impact of MUDRA scheme on women entrepreneurs in India. Journal of Rural Development Studies, 37(2), 45–58. 5. Kumar, P., & Nandrajog, D. (2021). The impact of Pradhan Mantri Mudra Yojana on the socioeconomic development of women in India: A study of Delhi-NCR. Asian Journal of Management, 12(4), 411–419. https://doi.org/10.52711/2321-5763.2021.00062 6. Solanki, P., & Chhikara, K. S. (2022). Impact of MUDRA Yojana on Women Empowerment in Haryana. Kanpur Philosophers (International Journal of Humanities, Law and Social Sciences), 9(1B), 48–68. 7. Agarwala, V., Maity, S., & Sahu, T. N. (2022). Female entrepreneurship, employability and empowerment: Impact of the Mudra Loan Scheme. Journal of Developmental Entrepreneurship, 27(01), Article 2250005. https://doi.org/10.1142/S1084946722500054 8. Prashanti, & Siddappa, D. (2025, July 12). Role of Mudra Yojana in promoting women entrepreneurship in India. EPRA International Journal of Research & Development (IJRD), 10(7). https://doi.org/10.36713/epra22984 9. Keshava, S. R. (2025, January 24). Empowering women through entrepreneurship in India: Milestones achieved, challenges faced, and pathways to economic empowerment. SSRN. https://doi.org/10.2139/ssrn.5158485