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The present paper discusses the detailed role played by the microfinance models like Self Help Groups- Bank Linkage Model, Micro finance Institutions etc in the rural development by focusing on its impact on poverty, women empowerment, technology application and household level role. It basically studies the progress of such models in the terms of loans disbursed and loans outstanding to the beneficiaries under the various schemes like National Rural Livelihood Mission (NRLM) & National Urban Livelihood Mission (NULM). It indicates the needs of rural and women entrepreneurs and challenges faced by them with respect to financial services .The motive is to draw lessons which will be helpful in exploiting the potential of microfinance in India, outlines the areas of concern for the government policy towards this important sector and suggests ways to scale up the access to finance for the poor.

This paper discusses the need of a study for online buying behavior of consumers in Chhattisgarh state. It also tries to report about the population status, literacy level, economic condition about the Chhattisgarh state and the scope of e-commerce. The paper also provides details of a government scheme, its implementation and the motives behind the launch of this scheme. This paper also showcases the awareness of digital knowledge among the people of Chhattisgarh especially, female population. This paper further discusses what e-commerce is and how it works in India. It also tries to portray the impact of e-commerce on the consumers buying behavior of Chhattisgarh state, constraints that are prevailing, and tries to find out outcomes through the study. The inspiration behind this study is to analyze the current penetration of e-commerce in the state of Chhattisgarh and provide fact-based reports and insights to plan new schemes and initiatives by government bodies and corporate for local sellers and the general population of the state.