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. 1 (2025)

We are pleased to announce that Volume 35, Issue 1 of Enterprise Development & Microfinance is the first issue published on our newly launched Open Journal Systems (OJS) platform.

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

Acceptance Rate: 32%

 

Published: 2025-08-16

Mapping Resilience Pathways: A Conceptual Framework for Portfolio Risk Management in Microenterprise Lending During Economic Shocks

INDRANI HAZARIKA, Saurabh Saoji, Ravi Baijulal Bhandari, Ganesh Jorvekar, Podilapu Hanumantha Rao, Tina Porwal

01 - 20

Synthesizing Frameworks for Ensuring Timely and Reliable Data Collection in Dispersed Smallholder Value Chains

Harish Barapatre, Latika Rahul Desai, Mukesh Patil, Podilapu Hanumantha Rao, Shubhangi S. Shambharkar, Rajendra V. Patil

41 - 60

Mapping Pathways for Inclusive Digital Payment Ecosystems: Integrating NGOs, Micro-Insurance Startups, and Community Groups

Samir N. Ajani, Saurabh Saoji, Shivganga. C. Maindargi, Podilapu Hanumantha Rao, Rajendra V. Patil, Divya S Khurana

61 - 81

A Typology of Flexible Loan Structures for Microenterprise Lending: Balancing Sustainability and Client Needs

Latika Rahul Desai, Ganesh Waghmare, Vasanthan, Kunal Dhaku Jadhav, Nitin Tandon, Mayuri Baburao Rajebhosale

82 - 101

Best Practice Synthesis for Designing Literacy Inclusive Digital Financial Products in Microfinance Contexts

Prasad Ghodke, Shivanshu Katoch, Saminder Tarwal, Pragati Patil Bedekar, D.Narasimha Murthy, Abhijeet Kaiwade

102 - 121

Redefining Risk Management Frameworks for Digital Microfinance: Integrative Models for Secure and Inclusive Onboarding

Cholaraja Mudimannan, Chetan Kumar Sharma, Ganesh Shridhar Raghtate, Pallavi Pankaj Ahire, Bharti Jagdale, Jay Vasani

122 - 139

Synthesizing Best Practice Frameworks for Results Measurement in Multi Stakeholder Social Entrepreneurship Initiatives

Mayur Jakhete, Khushboo, Priti Shende, Prashant Ashok Patil, Varinder Singh Rana, Ashish Raina

140 - 158

Bridging Social Norms Theory and Community Mobilization: Pathways for Overcoming Gender Stereotypes in Women’s Economic Empowerment Programs

R. Vasanthan, M.Rajendra Nath Babu, Khriereizhunuo Dzuvichu, Seng Tong Chong, Varinder Singh Rana, Arpita Singh

159 - 176

Mapping Administrative Models for Cost Effective Microinsurance Delivery to Rural Farmers

Satyawan Changadev Hembade, Bharati Vishwas Yelikar, Ramchandra Vasant Mahadik, Sachin Ayarekar, Swati Desai, Jyoti S Yadav

177 - 187

Bridging Distribution Gaps: A Conceptual Framework for Microinsurance Delivery to Remote Subsistence Farmers

Ramchandra Vasant Mahadik, Arun Shrirang Pawar, Deepak Ishwarappa Navalgund, Swati Desai, Sachin Ayarekar, Jyoti S Yadav

188 - 206

Bridging Financial Literacy and Credit Confidence: A Theoretical Model for Ongoing Client Engagement in Rural Microenterprise Lending

Pratik Kodmalwar, Keerthi Jain, Vipan Kumar, Yamini Sood, Rais Allauddin Mulla, Mayuri Baburao Rajebhosale

207 - 222

Mapping Operational Efficiency Frameworks for Microinsurance Delivery to Rural Farmers

Prashant B. Kalaskar, Nisha Mary Jose, Irfan Inamdar, Hemant A. Anbhule, Siddharth Shimpi, Kiran S. Kale

243 - 262

Synthesizing Best Practice Frameworks for Enhancing Financial Literacy Support in Microenterprise Lending

Shreyas Dingankar, Rajita Dixit, Kunal Dhaku Jadhav, Gaurav Bathla, Milind E Rane, Ashish Raina

263 - 282

Unpacking Trust-Building Mechanisms in Financial Literacy Initiatives for Urban Micro Enterprises

Amit Verma, Prakash Divakaran, S.Ahmad Murtaza Alvi, Nitin Tandon, D. Narasimha Murthy, Manisha Kishor Bhole

283 - 301

Mapping Pathways for Financial Product Innovation: A Conceptual Framework for Reaching Unbanked Populations

Deepa Dixit, Smita Desai, Anu Alex, Seema Tarnekar, Gaurav Bathla, V CH R K SANTOSH P

319 - 337

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