Understanding and overcoming financial barriers faced by women owner/managers of marginal farms in Churu, Rajasthan

Abstract

This research paper sheds light on the intricate issue of financial exclusion faced by female owner/managers of marginal farms in Churu, Rajasthan. By delving into demographic characteristics, economic disparities, educational barriers, and the consequences of informal finance dependence, this study seeks to provide a nuanced understanding of the challenges experienced by these resilient women. The research uncovered a significant proportion of female farmers, predominantly widowed and facing economic disparities compared to their male counterparts. Strikingly, 81% of female farmers were denied bank loans, leading to a reliance on informal finance sources with higher interest rates, exacerbating financial distress. The research uncovers significant challenges for female farmers in Churu, Rajasthan, including economic disparities and an alarming 81% bank loan rejection rate. This highlights the critical need for targeted interventions to overcome systemic barriers, empowering female farmers and fostering economic growth in the region.