PUBLICATIONS

About CRFIM:

The Centre for Research on Financial Inclusion and Microfinance (CRFIM) was set up in BIRD on 1st January 2008 with a view to emerge as a centre of reference, information, knowledge, valued opinion related to microfinance sector. It has the mission to strengthen the microfinance sector through supply of research inputs that facilitates policy initiatives and improvement in design & delivery systems that provide poor with sustainable access to affordable financial services. Financial Inclusion being one of the top priorities of Government of India (GoI), Reserve Bank of India (RBI) as well as NABARD and also it being so closely entwined with microfinance, the centre included it as another focus area of its activities in 2016. Thus, the Centre for Microfinance Research (CMR), was rechristened as Centre for Research on Financial Inclusion and Microfinance (CRFIM) on 03 October 2016.


VISION:

To emerge as a centre of reference/information/knowledge/valued opinion related to microfinance and financial inclusion sectors.


MISSION:

  • Strengthen the microfinance and financial inclusion sectors through supply of research inputs that facilitates policy initiatives
  • Improvement in design and delivery systems that provide poor with sustainable access to quality financial services

ACTIVITIES:

Since inception, the centre has been conducting studies/policy research assignments focused on microfinance and financial inclusion. It also organises national level seminars/webinars, roundtables and consultative workshops on various issues relating to microfinance and financial inclusion sectors in the country. Besides, the centre publishes peer reviewed bi-annual journal “THE MICROFINANCE REVIEW” and Trend Report on financial inclusion in India. The centre also conducts international training programmes on related issues.


CONTACT:
CRFIM In-charge
Email: cmr.bird@nabard.org
Phone: 0522-2425834


Publications:



STUDY REPORTS:

*To request the complete study report, kindly email us at cmr.bird@nabard.org.

Sl Name of the Study Report Year View
1 Centre for Research on Financial Inclusion and Microfinance 2025 Click here to download
2 Analysing SHG Led Aggregation Models for Livelihood and Microenterprise Development-A Case Study Approach 2024 Click here to download
3 Comparative Study of Approaches and Strategies Adopted by Financial Institution to Implement the Master Direction by RBI on Regulatory Framework for Microfinance Loans 2023 Click here to download
4 Analysing Micro-enterprises Financed by Banks (with SHG linkages), SFBs and MFIs 2022 Click here to download
5 One Decade of MFI Crisis: Revisiting Rural Credit Market in Andhra Pradesh 2022 Click here to download
6 Repayment Collection through Digital Mode by MFIs 2022 Click here to download
7 Comparative Study of Various Business Correspondent Models in Uttar Pradesh and Karnataka 2021 Click here to download
8 MSME and Micro Housing Lending by Microfinance Institutions (MFIs) & Small Finance Banks (SFBs) 2021 Click here to download
9 Usage of RuPay Kisan Card by Farmers (RKCC) 2020 Click here to download
10 Impact and Efficacy of Livelihood Initiatives for SHGs viz., MEDP and LEDP of NABARD and Livelihood Intervention of NRLM 2020 Click here to download
11 Study on Joint Liability Groups: Innovations and Impact 2019 Click here to download
12 Study on Non-Performing assets (NPAs) in Self-Help Groups (SHGs) 2018 Click here to download
13 Provision of CBS plus Services in STCCS Opportunities and Issues from Supply and Demand Sides 2018 Click here to download
14 Institutional Analysis of Micro Institutions (MFIs): Status and Measures for Wider and Effective Outreach Centre 2017 Click here to download
15 A study of SHG Members as Business Correspondent for Financial Inclusion 2017 Click here to download
16 Studying the Impacts of Microfinance on Drought affected Region of Bundelkhand 2017 Click here to download
17 Delinquencies of SHGs in NER 2012 Click here to download
18 Benchmarking Performance and Practices of Microfinance Institutions in India 2012 Click here to download
19 Impact Assessment of Technology Adoption in Microfinance in India 2012 Click here to download
20 Rural Indebtedness and Practices of MFIs in Andhra Pradesh 2011 Click here to download
21 Study on Joint Liability Groups in Bihar- Problems & Prospects 2011 Click here to download
22 An Exploratory Study On Traditional Financial Institutions of Lower Assam 2011 Click here to download
23 Microfinance and Gender: Social and Economic Empowerment 2011 Click here to download
24 SHG Bank Linkages in North West India :Experiences and Challenges in Financial Access and Poverty Alleviation 2011 Click here to download
25 Study on Loan Default by SHG in Rajasthan 2011 Click here to download
26 Scope of Business Correspondents for Financial Inclusion in Rural Areas 2011 Click here to download
27 Study on Scope for Promoting Micro-enterprises Activities Though SHGs in Bihar and U.P 2011 Click here to download
28 Microfinance for Housing in India 2011 Click here to download
29 Micro insurance in India: Outreach & Efficacy 2011 Click here to download
30 Map of Microfinance penetration in India 2010 Click here to download
31 SHG Federations – Challenges and Opportunities 2010 Click here to download
32 Access to Finance in Andhra Pradesh 2010 Click here to download
33 Equity Investment in India Microfinance: A guide for Practitioners 2010 Click here to download
34 Cost Structure and other complexities in scaling up of small MFIs in Bihar 2009 Click here to download


THE MICROFINANCE REVIEW JOURNALS

CALL FOR PAPERS

Bankers Institute of Rural Development (BIRD), Lucknow is a premier training establishment promoted by NABARD. Centre for Research on Financial Inclusion and Microfinance (CRFIM), set up within BIRD, has been publishing a half yearly journal titled “THE MICROFINANCE REVIEW”. Papers/commentaries are invited for publication of its July-December 2025, Vol XVII, No. 2 Issue. For submission of papers/commentaries and detailed guidelines please click on the links given below:

Guidelines to Authors Call for Papers

Interested persons may transmit papers/commentaries on Financial Inclusion and Microfinance sector latest by 15 November, 2025 to The Editor, THE MICROFINANCE REVIEW, Bankers Institute of Rural Development, Sector-H, LDA Colony, Kanpur Road, Lucknow-226 012; e-mail: birdjournal@nabard.org / bird@nabard.org; Tel : 0522-2421119 / 2421136. Website: https://birdlucknow.nabard.org/

An honorarium of Rs. 10,000/- will be paid for each published paper.

MFR Journals

SR. No. THE MICROFINANCE REVIEW (MFR) Journal File
1. Vol-XVII-1 (January-June 2025) Details download
2. Vol-XVI-2 (July-December 2024) Details download
3. Vol-XVI-1 (January-June 2024) Details download
4. Vol-XV-2 (July-December 2023) Details download
5. Vol-XV-1 (January-June 2023) Details download
6. Vol-XIV-2 ( July-December 2022) Details download
7. Vol-XIV-1 (January-June 2022) Details download
8. Vol-XIII-2 ( July-December 2021) Details download
9. Vol-XIII-1(January-June 2021) Details download
10. Vol-XII-2(July-December 2020) Details download
11. Vol-XII-1(January-June 2020) Details download
12. Vol-XI-2(July-December 2019) Details download
13. Vol-XI-1(January -June 2019) Details download
14. Vol-X-2(July – December 2018) Details download
15. Vol-X, No.1 (Jan-June 2018) Details download
16. Vol-IX, No. 2 (July – December 2017) Details download
17. Vol-IX, No.1 (January-June-2017) Details download
18. Vol-VIII, No.2 (July-December-2016) Details download
19. Vol-VIII, No.1 (January-June-2016) Details download
20. Vol-VII, No.2 (July-December-2015) Details download
21. Vol-VII, No.1 (January-June-2015) Details download
22. Vol-IV, No.1 (Jan-June 2012) Details download
23. Vol-III, No.2 (July-Dec 2011) Details download
24. Vol-III, No.1 (Jan-June 2011) Details download
25. Vol-II, No.2 (July-December 2010) Details download
26. Vol-II, No.1 (Jan-June 2010) Details download
27. Vol-I, No.2 (July-December 2009) Details download
28. Vol-I, No.1 (Jan-June 2009) Details download


TREND REPORTS