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  • January to March 2025 Article ID: NSS9060 Impact Factor:8.05 Cite Score:172 Download: 16 DOI: https://doi.org/ View PDf

    A Comparative Study on Male and Female Beneficiaries of Mudra Yojana: Growth, Utilization, and Challenges in Shajapur District

      Shubhangi Sharma
        ResearchScholar, School of Studies in Commerce, Vikram University, Ujjain (M.P.)
      Dr. Sunil Advani
        Assistant Professor (Commerce) Pt. Balkrishna Sharma, “Naveen” P.G. College, Shajapur (M.P.)

Abstract: The Pradhan Mantri Mudra Yojana (PMMY) is one of India’s flagship schemes for fostering self-employment and entrepreneurship, especially in rural and semi-urban regions. This paper examines gender-based trends in Mudra loan disbursements over a five-year period (2018–2023) in Shajapur District, Madhya Pradesh. The study uses real disbursement data and statistical testing (Paired t-test, independent t-test, and Linear Regression) to assess whether any significant differences exist between male and female beneficiaries. The results indicate no significant difference in mean disbursement between genders but reveal a strong growth trend in female participation, suggesting the scheme is gradually closing the gender gap in financial inclusion.

Keywords: Mudra Yojana, Financial Inclusion, Gender Disparity, Microfinance, Shajapur District, Women Entrepreneurs, Loan Disbursement.