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@article{172492,
        author = {ROHINI P and VIDHYA S and VISWADHIKA LATHA RAMESH and UDAYA G and SAKTHI S J and VENNILA G L and SARANYA},
        title = {The Role of Crowdfunding and Peer-to-Peer Lending in Fostering Financial Inclusion: A Systematic Review},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {11},
        number = {9},
        pages = {642-645},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=172492},
        abstract = {This systematic review examines the role of crowdfunding and peer-to-peer lending in fostering financial inclusion. The study synthesizes empirical evidence from existing literature to analyze the impact of these innovative financing models on access to credit, savings, and other financial services. The findings suggest that crowdfunding and peer-to-peer lending have increased access to capital for marginalized communities, small businesses, and entrepreneurs, while also improving savings opportunities and reducing transaction costs. However, the study also highlights challenges associated with these models, including risk management, regulatory frameworks, and social impact. The study's findings have implications for policymakers, practitioners, and researchers seeking to promote financial inclusion and reduce poverty, inequality, and social exclusion.},
        keywords = {Crowdfunding, Peer-to-peer lending, financial inclusion, Access to credit, Savings, Transaction costs, Risk management, Regulatory frameworks, social impact.},
        month = {February},
        }