“EVALUATING THE EFFECTIVENESS OF MICROCREDIT PRACTICES BY SMALL FINANCE BANKS: A PERFORMANCE‑BASED STUDY OF MICRO AND SMALL ENTERPRISES IN AUTOMOBILE ANCILLARY UNITS ”, Pimrj, vol. 3, no. 2, pp. 69–82, May 2025, Accessed: Sep. 24, 2025. [Online]. Available: https://pimrj.org/index.php/pimrj/article/view/20