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July 24, 2026Open Access

Socio-Economic Impact of MUDRA Loans: Evidence from Hailakandi District, Assam

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Authors

BBBodhisattwa BhattacharjeeA-Amrit Lal Ghosh -

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Overview

Randomized trial examines the socio-economic impact of Mudra loans on beneficiaries in Assam, indicating significant income growth but modest education and healthcare improvements.

Key Points

  • The study aims to evaluate the socio-economic impact of Mudra loans on income and expenditure in Hailakandi, Assam.
  • Primary data were collected from 250 beneficiaries using a structured questionnaire.
  • Weighted Average Scores assessed perceived impacts; paired sample t-tests compared pre- and post-loan conditions.
  • One-way ANOVA evaluated variations across socio-economic dimensions.
  • Household income significantly increased after availing Mudra loans; p<0.01.
  • Improvements in education and healthcare expenditure were positive but lower than income gains.
  • Income-related outcomes showed significantly higher gains compared to human-capital indicators.

Cite This Study

Bhattacharjee et al. (2026) studied this question.

synapsesocial.com/papers/6a6301d3395161722cd16508https://doi.org/10.5281/zenodo.21494369
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