Ranjeet Sagar, and Prof. Daya Ram Gangwar. “Evaluating the Socio-Economic Impact of Microfinance on Rural Development in Uttar Pradesh”. The Voice of Creative Research 7, no. 4 (October 31, 2025): 1–12. Accessed December 20, 2025. http://www.thevoiceofcreativeresearch.com/index.php/vcr/article/view/186.