This study examines the role of government schemes and commercial banks' credit facilities in promoting women entrepreneurship in Kollam district, Kerala. The study aims to identify the challenges faced by women entrepreneurs in accessing credit and financial services, and to assess the effectiveness of government-sponsored training programs and capacity-building initiatives. A survey of 50 women entrepreneurs in Kollam district was conducted. This study reveals that government schemes and commercial banks' credit facilities have contributed significantly to the growth of women entrepreneurship in Kollam district. However, Women entrepreneurs still confront significant barriers in securing credit and financial services, primarily due to insufficient collateral, limited financial acumen, and discriminatory lending behaviors. The study recommends that the government and commercial banks should simplify loan procedures, provide collateral-free loans, and offer training programs to enhance women entrepreneurs' financial literacy and business management skills. This study aims to examine the role of government and commercial banks in promoting women entrepreneurship in Kollam district, Kerala. The study's findings have implications for policymakers, entrepreneurs, and researchers seeking to promote women entrepreneurship and economic empowerment in India.
S et al. (Thu,) studied this question.