Category: Volume.2 Issue 02 – June 2026

This research paper investigates the role of financial inclusion in promoting sustainable livelihoods among marginal and small farmers in Odisha during 2018–2022. Using secondary data, the study examines key financial inclusion indicators such as banking access, agricultural credit, digital transactions, crop insurance, farm income, and SHG linkage. The findings reveal that improved financial inclusion has enhanced farmers' economic resilience, income generation, and livelihood diversification. However, climate-related risks, including floods, cyclones, and rainfall variability, continue to affect agricultural stability and income security.

This paper presents a comprehensive examination of the KGOY phenomenon by exploring its conceptual origins, identifying its principal drivers, analyzing its wide-ranging developmental and commercial implications, and reviewing contemporary responses from parents, educators, policymakers, and industry stakeholders. Through synthesis of empirical studies, theoretical frameworks, and observational data, this research argues that KGOY is not a singular, isolated trend but rather a convergent outcome of overlapping socio-technological, economic, and cultural forces.