Enterprise Development & Microfinance (EDM) contains over 35 years of valuable, practice-based insights into the role of markets, enterprises and financial services in reducing poverty and stimulating economic development. Enterprise Development & Microfinance (ISSN 1755‑1978 print / 1755‑1986 online). A quarterly, peer-reviewed international journal published by Practical Action Publishing (UK). EDM connects rigorous research with practical experience in microenterprise and financial inclusion. Established in 1990 (formerly Small Enterprise Development), it has over 35 years of contributions towards poverty reduction and sustainable development.

Enterprise Development & Microfinance (EDM) is a distinguished, peer-reviewed journal that brings together over three decades of impactful scholarship and field-based knowledge on the dynamic interplay between markets, enterprises, and financial services in fostering poverty alleviation and inclusive economic development.

Originally launched in March 1990 under the title Small Enterprise Development (SED, ISSN: 0957-1329), the journal has evolved in both scope and influence, maintaining a strong commitment to addressing the real-world challenges faced by micro, small, and medium enterprises (MSMEs), as well as the communities they serve. In March 2008, it was rebranded as Enterprise Development & Microfinance to reflect a broader focus that integrates financial inclusion, market systems, enterprise innovation, and livelihood strategies.

What sets EDM apart is its unique blend of academic rigor and practical relevance. Contributions are authored by a diverse global community of scholars, field practitioners, development professionals, and policymakers. The journal’s editorial philosophy centers on producing content that not only contributes to theoretical advancement but also directly informs on-the-ground development practice and institutional strategy.

Over the years, EDM has served as a vital resource for:

  • Understanding how financial tools and services can be tailored to empower underserved populations
  • Analyzing the impact of enterprise development initiatives on economic resilience
  • Documenting innovative models in inclusive finance, rural entrepreneurship, and sustainable value chains
  • Exploring gender equity, digital finance, and policy reforms in developing economies

Published quarterly by Practical Action Publishing (UK), EDM continues to uphold its mission of bridging the gap between research, policy, and practice. It encourages critical reflection, cross-sector dialogue, and the exchange of evidence-based solutions to complex development challenges.

As the global development landscape continues to evolve, Enterprise Development & Microfinance remains at the forefront—amplifying voices from the Global South, facilitating South-South learning, and shaping actionable knowledge for a more equitable and sustainable world.

 

Vol. 35 No. 2 (2025)

We are pleased to announce that Volume 35, Issue 2 of Enterprise Development & Microfinance is published.

Contributing Countries: USA, India, Thailand, China, Malaysia, Iraq, Saudi Arabia, UAE, UK, Philippines, Singapore

Acceptance Rate: 29%

Published: 2025-12-31

AI–Blockchain Convergence for Inclusive Fintech: Enabling Microenterprise Financing and Trust in Emerging Economies

Kamlesh Arun Meshram, Ramkrishna Dikkatwar, Diksha Tripathi, Amey Adinath Choudhari, Avinash Hanmant Ghadage, Nirmal C. Soni, Anagha Bhope

1–19

Understanding Digital Consumer Behaviour in Micro and Small Businesses: A Neuro-Marketing Perspective for Inclusive Growth

Namita Chawla, Nilesh Anute ; Kunal Patil ; Shailesh Tripathi , Ganesh Pathak, Sachin Chavan

20–35

Industry 4.0 for Small Enterprises: Cloud-to-Edge Transformation and Its Impact on Productivity and Employment in Emerging Economies

Namita Chawla , Aditya Hanmant Katkar , Manisha Maddel , Abhijeet Thakur , Babasaheb Jotiram Mohite , Pritish Prabhakar Bisne

36–54

Empowering Entrepreneurs through UPI and Digital Wallets: Assessing Their Role in Financial Inclusion and Enterprise Growth in India

Bipin Rambhaji Bankar , Kamlesh Arun Meshram , Rita Kakade , Harshal Raje , Mahesh Uday Mangaonkar , Nirmal C. Soni , Sachin Chavan

55–73

AI-Driven Financial Management for MSMEs: Transforming Decision-Making and Access to Finance in Developing Economies

Amey Adinath Choudhari , Kamlesh Arun Meshram , Nitul Jyoti Das, Mahesh Devidas Mahankal , Avinash Hanmant Ghadage , Aditee Huparikar Shah

74–90

Unpacking Standardization in Agent Network Training: Towards an Integrative Framework for Digital Financial Services

Ganesh Waghmare , Satyawan Changadev Hembade , Neha Ramteke, Shweta Joglekar , Anita Desai , Rajeev Sharma

91–112

FinTech-Enabled Microfinance for Last-Mile Communities: A Pathway Toward SDG 1 and SDG 8

Kireeti Gudipati , Gurpreet Kaur , Chuanyong Ji , Mandar K Mokashi , Sonali Prashant Bhoite , Piyush K. Ingole

113–125

Digital Lending Platforms and the Transformation of Microenterprises: Evaluating SDG 8 and SDG 9 Outcomes

Nilesh Anute , G. Gopalakrishnan , Chuanyong Ji , Shilpa Gaidhani , Vanandana Hindurao Shinde , Shailesh Tripathi

126–139

Bridging Misinformation Gaps: A Framework for Enhancing Trust and Financial Literacy in Microinsurance Adoption among Smallholder Farmers

Maroti V. Kendre , Anil Laxmanrao Wakekar , Shripada Patil , Pranita Sonar, Sidharth Jain , Sunil Thakur

140–163

AI-Driven Credit Scoring in Microfinance: Enhancing Financial Inclusion for SDG 5 and SDG 10

Arun Khatri , Ahmad Murtaza Alvi, Syeda Soophiya Mariyum , Xiyu Zhang , Ravi Baijulal Bhandari , Balkrishna K Patil

164–177

Mapping Flexible Loan Structures: Theoretical Pathways for Adaptive Microfinance in Seasonal Economies

Prashant Suresh Salve , Vijaya Amitesh Gondane , Priya Gupta , Rajesh Uttam Kanthe , Rajeev Sharma , Vaishali Pawan Wawage

178–198

Mapping Portfolio-Level Risk Contingency Frameworks for Microfinance Institutions Facing Sectoral Shocks

Sonia Sorte , Mohit Malik , Samir N. Ajani , Amena Ansari , Anurag Shakya , Pawan Wawage

199–225

Mobile Wallet Adoption and Microenterprise Growth: Empirical Insights Supporting SDG 8 and SDG 9

Altaf Abdullatif Shaikh , Shubhangee Ramaswamy , Xiyu Zhang, Mangalgouri S Patil , Parag Kalkar , Suvarna Suhas Sathe

226–238

Blockchain-Based Microfinance Systems for Transparent and Secure Lending: Advancing SDG 16 and SDG 9

Anil Laxmanrao Wakekar , Amol Bhilare, Arun Khatri , Shihan Gao , Swati Srivastava, Neha Ramteke

239–252

Redefining Consistency: A Framework for Structured Case Study Reporting in Microenterprise Support Networks

Avinash Dhavan , Swati Desai, Devendra Puntambekar , Ramchandra Vasant Mahadik , Deepti Deshmukh , Niyati Sharma

253–278

Digital Micro-Savings Behaviour among Women Entrepreneurs: Implications for SDG 5 and SDG 8

Veena Rani Karankoti , Gitanjali Shrivastava , Shihan Gao , Satish S. Uplaonkar, Pranita Sonar, Prashant Panwar

279–291

FinTech Innovations in Rural Credit Delivery: Strengthening Sustainable Livelihoods under SDG 1 and SDG 12

Pratibha V. Kashid , Davinder Kaur Sohi , Lei Liu , Ashutosh Kulkarni , Sadhana Sargam

292–305

Synthesizing Trust-Building and Financial Literacy Strategies: Conceptual Foundations for Cooperative Crop Microinsurance Outreach for Rural Development

Pravin Mane , Samir N. Ajani, Amena Ansari , Mukesh Parashar , Ashok Kumar Upadhyay , Anupama Abhijeet Deshpande

306–327

Cashless Ecosystems and Microenterprise Competitiveness: Measuring SDG 8 and SDG 9 Indicators

Vishakha A. Gaidhani , Prince Kumar , Guijie . , P. S. Vikhe , Leena Deshpande

328–340

The Role of Digital Identity (e-KYC) in Expanding Microfinance Access: Contribution to SDG 10 and SDG 16

Bhalchandra M Hardas , Mukesh Patil , Jie Feng , Pranali Chavan, Ananta Narayana, Neetu kumari

341–353

QR-Based Micro-Payments and Small Business Resilience: A Digital Path to Achieving SDG 8 and SDG 9

Aman Gupta, Suma Sidramappa Hoaamani , Jie Feng , Mona Sharma , Mukesh Patil , Poonam Jagdish Patil

354 - 368

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