FinTech Innovations in Rural Credit Delivery: Strengthening Sustainable Livelihoods under SDG 1 and SDG 12

Pratibha Vivekanand Kashid, Davinder Kaur Sohi, Lei Liu, Ashutosh Madhukar Kulkarni, Sadhana Sargam · 2026 · Enterprise Development and Microfinance

Summary. FinTech innovations in rural credit delivery significantly improve financial access and sustainability. The study combines blockchain-enabled credit ledgers, AI-based credit scoring using alternative rural data, and mobile microfinance systems. Results show these technologies increase debt accessibility by 32%, reduce transaction costs by 27%, and raise loan repayment rates by 21% compared to conventional lending. Digital infrastructure reduces credit abuse, promotes productive agricultural investment, and supports sustainable consumption patterns that strengthen rural livelihoods and poverty alleviation.

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@article{kashid-2026-fintech-innovations-rural-credit-delivery,
  title   = {FinTech Innovations in Rural Credit Delivery: Strengthening Sustainable Livelihoods under SDG 1 and SDG 12},
  author  = {Pratibha Vivekanand Kashid and Davinder Kaur Sohi and Lei Liu and Ashutosh Madhukar Kulkarni and Sadhana Sargam},
  journal = {Enterprise Development and Microfinance},
  year    = {2026},
  doi     = {10.3362/edm.v35i2.573},
  url     = {https://doi.org/10.3362/edm.v35i2.573}
}

TY  - JOUR
TI  - FinTech Innovations in Rural Credit Delivery: Strengthening Sustainable Livelihoods under SDG 1 and SDG 12
AU  - Pratibha Vivekanand Kashid
AU  - Davinder Kaur Sohi
AU  - Lei Liu
AU  - Ashutosh Madhukar Kulkarni
AU  - Sadhana Sargam
JO  - Enterprise Development and Microfinance
PY  - 2026
DO  - 10.3362/edm.v35i2.573
UR  - https://doi.org/10.3362/edm.v35i2.573
ER  - 

Details

DOI

10.3362/edm.v35i2.573

Countries

India, Thailand

Regions

Asia

Categories

broadband-and-digital, funding, entrepreneurship

Added

2026-04-28