Abstract

This chapter delineates the comprehensive process of data collection, refinement, analysis, and interpretation from the chosen two geographical locations in India. The borrower’s perspective has been collected and examined to comprehend the comprehensive overview of microcredit utility in the state of Telangana. The comprehensive literature review informed the research objectives and hypothesis concerning the efficacy of microcredit and its conceptual framework. This work combined qualitative and quantitative approaches to assess clients’ utilization and repayment of microcredit. It used a quantitative approach, having a descriptive purpose, and a qualitative technique to enhance the quantitative approach since it facilitates the evaluation of respondents’ perspectives through personal intuition. The study predominantly utilized primary data sources.