Sumanshi Rohila, & Dr. Anju Thapliyal. (2026). Regional Variations in Microfinance Participation and Socio-Economic Well-Being: A Comparative Study of Mountainous and Flatland Areas in Uttarakhand. Enterprise Development and Microfinance, 36(3s), 548–564. Retrieved from https://www.papjournals.com/index.php/edm/article/view/921