International Journal of Agriculture Extension and Social Development

author(s)
Vikash Kumar Nain, Mukesh Sidh and Omprakash Choudhary

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.