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@article{192183,
        author = {Gawande Sonal Dashrath and Dr. Kotkaer Shamkant Narhar},
        title = {Role Of Indian Nationalized Banks In The Development Of Women Entrepreneur},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {9},
        pages = {1053-1064},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=192183},
        abstract = {Entrepreneurship by women has found its way to become an essential aspect of inclusive and sustainable economic growth. The role of women in the business world in India has been continually growing, but the lack of access to funds, financial illiteracy, and procedural barriers are still preventing women in the country to achieve their full potential. This paper focuses on how Indian nationalized banks have supported the development and empowerment of women entrepreneurs in the state of Maharashtra which has been rated as one of the most industrial progressive states in India. The study uses a descriptive and analytical study, which incorporates primary and secondary data. A structured questionnaire was used to gather primary data comprising 400 women entrepreneurs in accordance with the table of determining a sample made by Morgan and stratified random sampling technique.
This analysis, which is done through SPSS consists of descriptive statistics, correlation analysis and regression analysis to determine the relationship among the main variables which are access to finance, financial literacy and entrepreneurial empowerment. The results show that there is a significant and positive correlation between access to bank credit and entrepreneurial development (r = 0.612, p < 0.001), and financial literacy and empowerment (r = 0.658, p < 0.001). The outcomes of the regression statistics support the hypothesis that the access to finance accounts to 37.4 percent of entrepreneurial development and financial literacy accounts to 43.3 percent of the outcomes of empowerment.
The researchers conclude that nationalised banks play an important role in advancing women in entrepreneurship in terms of credit facilities, digital and training programmes. Nevertheless, procedural inflexibility, collateral conditions, and fewer outreach of training programs remain in limiting the wider involvement. It suggests that the simplification of loan processes, increase of financial education, and policy reforms that are gender-specific should be advocated in the paper to better support women entrepreneurs through the institution. In general, the study highlights the importance of banking inclusion in women empowerment as one of the primary avenues of attaining gender equality, sustainable development, and economic resilience in India.},
        keywords = {Women Entrepreneurship; Nationalized Banks; Financial Literacy; Access to Finance; Women Empowerment; Maharashtra; Sustainable Development},
        month = {February},
        }