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MICROFINANCE UNDER STRESS: CREDIT CONSTRAINTS AND THEIR IMPACT ON AUTOMOTIVE START-UPS IN INDIA – EVIDENCE FROM PIMPRI-CHINCHWAD

AUTHORS:
Sukhada Dharmadhikari
Mentor
Dr. Megha Jain
Affiliation
IBMRD, Savitribai Phule Pune University
DOI: 10.55041/ijsmt.v2i4.114
CC BY 4.0 License:
This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC BY) license, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
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Abstract

Microfinance has emerged as a crucial mechanism for financial inclusion in India, especially for micro, small, and medium enterprises (MSMEs). However, the microfinance sector has faced considerable stress and credit challenges in recent years, affecting its effectiveness in fostering entrepreneurial growth. This paper investigates the stress factors within India’s microfinance ecosystem, examines credit challenges that impede the flow of finance to enterprises, and evaluates how microfinance institutions (MFIs) contribute to the development of automotive start-ups within the Pimpri-Chinchwad Municipal Corporation (PCMC) region. By focusing on empirical evidence, theoretical frameworks, and case insights, the study underscores the implications of credit constraints on start-up sustainability and proposes avenues for strengthening MFI outcomes.

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PUBLICATION DETAILS
Review Type:
Double-Blind Peer Review
License:
CC BY-NC 4.0
Volume/Issue:
Volume 02, Issue 04
Review Rounds:
2
Article Type:
Research Article
Publication Date:
Apr 10 2026
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Dharmadhikari, S. (2026). Microfinance under Stress: Credit Constraints and their Impact on Automotive Start-ups in India – Evidence from Pimpri-Chinchwad. International Journal of Science, Strategic Management and Technology, 02(04). https://doi.org/10.55041/ijsmt.v2i4.114

Dharmadhikari, Sukhada. "Microfinance under Stress: Credit Constraints and their Impact on Automotive Start-ups in India – Evidence from Pimpri-Chinchwad." International Journal of Science, Strategic Management and Technology, vol. 02, no. 04, 2026, pp. . doi:https://doi.org/10.55041/ijsmt.v2i4.114.

Dharmadhikari, Sukhada. "Microfinance under Stress: Credit Constraints and their Impact on Automotive Start-ups in India – Evidence from Pimpri-Chinchwad." International Journal of Science, Strategic Management and Technology 02, no. 04 (2026). https://doi.org/https://doi.org/10.55041/ijsmt.v2i4.114.

References
1.Reserve Bank of India publications on microfinance regulation.

2.Government of India MSME Annual Reports.

3.World Bank / CGAP research on microfinance impact.

4.Academic journals on microfinance and MSME development (e.g., Journal of Development Studies, Economic and Political Weekly).

5.Regional economic reports on Pimpri-Chinchwad municipal industrial clusters.

 

 
Ethics and Compliance
✓ All ethical standards met
This article has undergone plagiarism screening and double-blind peer review. Editorial policies have been followed. Authors retain copyright under CC BY-NC 4.0 license. The research complies with ethical standards and institutional guidelines.
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