Master the economics of microfinance and its impact on rural India. This analytical work dissects credit policies, the genesis of micro-credit systems, and the crucial role of Self-Help Groups (SHGs) in financial inclusion. It investigates borrowing determinants, indebtedness, and the socio-economic profiles of study respondents, particularly within tribal communities. An indispensable resource for economics students, banking professionals, and researchers interested in financial inclusion strategies and poverty alleviation in the Indian context.