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{{Use Indian English|date=December 2019}}
{{Use Indian English|date=December 2019}}
{{Infobox person
{{Infobox person
| name                   = Aloysius Prakash Fernandez
| name               = Padmashree Mr. Aloysius Prakash Fernandez
| image                   =  
| image             = Aloysius Prakash Fernandez.jpg
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| birth_place             = [[Karnataka]], India
| birth_date         =  
| death_date             =  
| birth_place       = [[Karnataka]], India
| death_place             =  
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| othername               =  
| othername         =  
| occupation             = Economist, social worker
| occupation         = Economist, social worker
| yearsactive             =  
| yearsactive       =  
| known for               =  
| known for         = Father of SHG Movement
| spouse                 =  
| spouse             =  
| domesticpartner         =  
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| children               =  
| children           =  
| parents                 =  
| parents           =  
| website                 =  
| website           =  
| awards                 = [[Padma Shri]]<br>Caritas India Jubilee 20O0 Award
| awards             = [[Padmashree]]<br>Caritas India Jubilee Award 2000<br>Sa-Dhan Lifetime Achievement Award 2025
}}
}}
'''Aloysius Prakash Fernandez''' is an Indian economist, social worker and the Chairman of the ''NABARD Financial Services Limited'' (NABFINS),<ref name="Nabfins">{{cite web | url=http://nabfins.org/Chairman | title=Nabfins | publisher=Nabfins | date=2014 | accessdate=29 December 2014}}</ref> a [[National Bank for Agriculture and Rural Development]] (NABARD) subsidiary, formed with the participation of several banks in India.<ref name="Nabfins Home">{{cite web | url=http://nabfins.org/ | title=Nabfins Home | publisher=Nabfins | date=2014 | accessdate=29 December 2014}}</ref> Considered by many as a pioneer of [[microfinance]] and [[Self-help group (finance)|Self Help Group]] concept in India,<ref name="Micro Capital">{{cite web | url=http://www.microcapital.org/pioneers-in-microfinance-aloysius-p-fernandez-of-myrada-and-sanghamithra-rural-financial-services/ | title=Micro Capital | publisher=Micro Capital | date=1 April 2008 | accessdate=29 December 2014}}</ref> he was the executive director and is the member secretary of '''Myrada''',<ref name="Purple Shoots">{{cite web | url=http://blog.purpleshoots.org/an-amazing-indian-gentleman-microfinance-and-self-help-groups-in-india/ | title=Purple Shoots | publisher=Purple Shoots | date=16 January 2014 | accessdate=29 December 2014 | archive-url=https://archive.today/20141229172351/http://blog.purpleshoots.org/an-amazing-indian-gentleman-microfinance-and-self-help-groups-in-india/ | archive-date=2014-12-29 | url-status=dead }}</ref> a non governmental organization working for the eradication of poverty, gender equality and social development.<ref name="Myrada Goals">{{cite web | url=http://myrada.org/myrada/Millennium%20goals | title=Myrada Goals | publisher=Myrada | date=2014 | accessdate=29 December 2014 | archive-url=https://web.archive.org/web/20150104134716/http://myrada.org/myrada/Millennium%20goals | archive-date=4 January 2015 | url-status=dead }}</ref>  
'''Aloysius Prakash Fernandez''' known as Father of SHG Movement<ref>{{Cite web |first= |date=17 November 2021 |title=Reimagining Citizen Particiaption |url=https://pria.org/knowledge_resource/1637775316_WBR%2013_Participation%2C%20Representation%20%26%20Accountability.pdf |url-status=live |website=Pria}}</ref><ref name=":0">{{Cite web |date=2013 |title=16 annual report 2012-13 |url=https://nabfins.org/wp-content/uploads/2017/02/Annual-Report_2012_13.pdf |url-status=live |website=Nabfins}}</ref><ref name=":1">{{Cite web |title=SiCAN FinServe |url=https://sican.in/pages/mentors.html |access-date=2025-11-19 |website=sican.in}}</ref><ref>{{Cite web |title=IDR {{!}} The limits of AI in Social Change |url=https://rohininilekaniphilanthropies.org/resources/idr-the-limits-of-ai-in-social-change/ |access-date=2025-11-19 |website=Rohini Nilekani Philanthropies |language=en-US}}</ref><ref>{{Cite web |date=2017 |title=NABARD- 25 Years of  SHG Movement |url=https://nabard.org/auth/writereaddata/Flipbook/2017/Publication/Nabard-17-25-Years-Of-SHG-Movement/files/assets/basic-html/page10.html |url-status=live |website=NABARD}}</ref><ref>{{Cite journal |last=Thakur |first=Sangeeta |last2=Patel |first2=Bhupendra Singh |date=2014-09-10 |title=Self Help Groups (SHG): A Tool for Empowerment of Women |url=https://ijrrssonline.in/AbstractView.aspx?PID=2014-2-3-4 |journal=International Journal of Reviews and Research in Social Sciences |language=English |volume=2 |issue=3 |pages=166–172}}</ref> is an Indian economist, social worker and the First Chairman of the ''NABARD Financial Services Limited'' (NABFINS),<ref name="NABFINS">{{cite web | url=http://nabfins.org/Chairman | title=Nabfins | publisher=Nabfins | date=2014 | accessdate=29 December 2014}}</ref><ref name=":0" /> a [[National Bank for Agriculture and Rural Development]] (NABARD) subsidiary, formed with the participation of several banks in India.<ref name="Nabfins Home">{{cite web | url=http://nabfins.org/ | title=Nabfins Home | publisher=Nabfins | date=2014 | accessdate=29 December 2014}}</ref> Considered by many as a pioneer of [[Microfinance]] and [[Self-help group (finance)|Self Help Group]] concept in India,<ref>{{Cite web |date=2021 |title=MYRADA Rural Management Systems Series Paper- 71 |url=https://myrada.org/wp-content/uploads/2021/09/RMS-71-The-Self-Help-Groups-and-the-Grameen-Bank.pdf |url-status=live |website=MYRADA}}</ref><ref>{{Cite web |date=2022 |title=MYARDA Rural Management System series Paper-73 |url=https://myrada.org/wp-content/uploads/2022/09/RMS-73_2.pdf |url-status=live |website=MYRADA}}</ref><ref name="Micro Capital">{{cite web | url=http://www.microcapital.org/pioneers-in-microfinance-aloysius-p-fernandez-of-myrada-and-sanghamithra-rural-financial-services/ | archive-url=https://web.archive.org/web/20090905193916/http://www.microcapital.org/pioneers-in-microfinance-aloysius-p-fernandez-of-myrada-and-sanghamithra-rural-financial-services/ | url-status=usurped | archive-date=5 September 2009 | title=Micro Capital | publisher=Micro Capital | date=1 April 2008 | accessdate=29 December 2014}}</ref><ref>{{Cite web |title=IDR Interviews {{!}} Aloysius Fernandez |url=https://idronline.org/features/idr-interviews/interview-with-aloysius-fernandez-pioneer-of-self-help-groups-in-india/ |access-date=2025-11-19 |website=India Development Review |language=en-US}}</ref><ref>{{Cite web |last=Vaid |first=Devanshi |date=2019-05-16 |title=India's most significant innovations have roots in civil society |url=https://idronline.org/indias-most-significant-innovations-have-roots-in-civil-society/ |access-date=2025-11-19 |website=India Development Review |language=en-US}}</ref><ref>{{Cite web |title=The limits of AI in social change |url=https://idronline.org/article/technology/the-limits-of-ai-in-social-change/ |access-date=2025-11-19 |website=India Development Review |language=en-US}}</ref> he was the executive director and is the member secretary of [https://myrada.org/ MYRADA],<ref>{{Cite book |title=Sanghamithra: A Micro Finance Institution with a difference |date=July 2004 |publisher=National Printing Press |location=Banglore |pages=92–93 |language=English}}</ref><ref name="Purple Shoots">{{cite web | url=http://blog.purpleshoots.org/an-amazing-indian-gentleman-microfinance-and-self-help-groups-in-india/ | title=Purple Shoots | publisher=Purple Shoots | date=16 January 2014 | accessdate=29 December 2014 | archive-url=https://archive.today/20141229172351/http://blog.purpleshoots.org/an-amazing-indian-gentleman-microfinance-and-self-help-groups-in-india/ | archive-date=2014-12-29 | url-status=dead }}</ref><ref>{{Cite web |last=Aloysius |first=P. Fernandez |date=July 2007 |title=History and spread of the self-help affinity group movement in India The role played by IFAD |url=https://www.findevgateway.org/sites/default/files/publications/files/mfg-en-paper-history-and-spread-of-the-self-help-affinity-group-movement-in-india-the-role-played-by-ifad-jul-2007.pdf |url-status=live}}</ref> a non governmental organization working for the eradication of poverty, gender equality and social development.<ref name="Myrada Goals">{{cite web | url=http://myrada.org/myrada/Millennium%20goals | title=Myrada Goals | publisher=Myrada | date=2014 | accessdate=29 December 2014 | archive-url=https://web.archive.org/web/20150104134716/http://myrada.org/myrada/Millennium%20goals | archive-date=4 January 2015 | url-status=dead }}</ref><ref>{{Cite AV media |url=https://www.youtube.com/watch?v=UYrL9x3qaKQ |title=Seeds of Change: How NABARD's SHGs Sparked A Revolution Transforming Rural India Forever |date=2024-10-28 |author=((HISTORY TV18)) |access-date=2025-11-19 |via=YouTube}}</ref><ref>{{Cite AV media |url=https://www.youtube.com/watch?v=63kesmZEjEk |title=Padma Shri Aloysius Prakash Fernandez: Pioneer in Development and Social Change |date=2021-01-01 |last=Rajiv Gandhi Foundation |access-date=2025-11-19 |via=YouTube}}</ref><ref>{{Cite AV media |url=https://www.youtube.com/watch?v=okaJcuh4Rxk |title=Shri  Aloysius P  Fernandez |date=2022-11-16 |last=Sa-Dhan Association |access-date=2025-11-19 |via=YouTube}}</ref><ref>{{Cite web |date=2021 |title=Empowering women through the Self-Help Group Bank Linkage Programme |url=https://academic.oup.com/cdj/article/58/2/283/6374653?login=false |url-status=live |website=Community Development Journal}}</ref>


Fernandez, born in Karnataka,<ref name="Purple Shoots" /> secured a post graduate degree in Arts from [[Central University of Karnataka]] and obtained advanced diplomas from the [[University of louvain-la-neuve|University of Louvain]], Belgium on ''Sociology and Research Methodology'' and from [[Oxford University]]<ref name="Purple Shoots" /> on ''Development Studies''.{{cn|date=January 2020}} His early career was with Caritas India and then abroad, with the [[World Bank]] and the [[Canadian International Development Agency]] before his return to Bengaluru in 1982.<ref name="Nabfins" /> Besides holding the chair of NABFINS,<ref name="Nabfins" /> he is the secretary of Myrada,<ref name="Myrada Board">{{cite web | url=http://myrada.org/myrada/our%20board | title=Myrada Board | publisher=Myrada Board | date=2014 | accessdate=29 December 2014 | archive-url=https://web.archive.org/web/20150104115301/http://myrada.org/myrada/our%20board | archive-date=4 January 2015 | url-status=dead }}</ref> executive director of The Myrada Davinson Training Centre<ref name="Myrada">{{cite web | url=http://www.myrada.org/rms/rms49.htm | title=Myrada | publisher=Myrada | date=2014 | accessdate=29 December 2014}}</ref> and the Chairman of Sanghamithra Rural Financial Services.<ref name="Micro Capital" /> He is known to be a prolific writer<ref name="OCLC">{{cite web | url=http://classify.oclc.org/classify2/ClassifyDemo?search-author-txt=%22Fernandez%2C+Aloysius+P.%22 | title=OCLC | publisher=OCLC | date=2014 | accessdate=29 December 2014}}</ref><ref name="Worldcat">{{cite web | url=http://www.worldcat.org/identities/lccn-n2005207871/ | title=Worldcat | publisher=Worldcat | date=2014 | accessdate=29 December 2014}}</ref> and is credited with several publications.<ref name="Agriculture Network">{{cite web | url=http://www.agriculturesnetwork.org/magazines/india/finance-for-farming/marginal-and-small-farmers-require-freedom-and | title=Agriculture Network | publisher=Agriculture Network | date=2014 | accessdate=29 December 2014}}</ref><ref name="Sanghamitra">{{cite book | url=https://books.google.com/books?id=9D6sHAAACAAJ | title=Sanghamithra: A Micro Finance Institution with a Difference | publisher=Sanghamithra | author=Aloysius Prakash Fernandez | year=2004 | pages=130}}</ref><ref name="Marginal and small farmers require freedom and options, not financial inclusion">{{cite journal | url=http://www.agriculturesnetwork.org/magazines/india/finance-for-farming/marginal-and-small-farmers-require-freedom-and/at_download/article_pdf | title=Marginal and small farmers require freedom and options, not financial inclusion | author=Aloysius Prakash Fernandez | journal=Leisa India |date=June 2010 }}</ref> Fernandez was honored by the [[Government of India]], in 2000, with the fourth highest Indian civilian award of [[Padma Shri]].<ref name="Padma Awards">{{cite web|url=http://mha.nic.in/sites/upload_files/mha/files/LST-PDAWD-2013.pdf |title=Padma Awards |publisher=Padma Awards |date=2014 |accessdate=11 November 2014 |url-status=dead |archiveurl=https://web.archive.org/web/20151015193758/http://mha.nic.in/sites/upload_files/mha/files/LST-PDAWD-2013.pdf |archivedate=15 October 2015 }}</ref> He also received the Caritas India Jubilee 20O0 award the same year.<ref name="Myrada recognition">{{cite web | url=http://myrada.org/myrada/Recognition | title=Myrada recognition | publisher=Myrada | date=2014 | accessdate=29 December 2014}}</ref>
Fernandez, born in Karnataka,<ref name="Purple Shoots" /> secured a post graduate degree in arts from [[Central University of Karnataka]] and obtained advanced diplomas from the [[University of louvain-la-neuve|University of Louvain]], Belgium on ''Sociology and Research Methodology'' and from [[Oxford University]]<ref name="Purple Shoots" /> on ''Development Studies''.<ref name=":1" /> His early career was with Caritas India and then abroad, with the [[World Bank]] and the [[Canadian International Development Agency]] before his return to Bengaluru in 1982.<ref name="NABFINS" /> Besides holding the chair of NABFINS,<ref name="NABFINS" /> he is the secretary of Myrada,<ref name="Myrada Board">{{cite web | url=http://myrada.org/myrada/our%20board | title=Myrada Board | publisher=Myrada Board | date=2014 | accessdate=29 December 2014 | archive-url=https://web.archive.org/web/20150104115301/http://myrada.org/myrada/our%20board | archive-date=4 January 2015 | url-status=dead }}</ref> executive director of The Myrada Davinson Training Centre<ref name="Myrada">{{cite web | url=http://www.myrada.org/rms/rms49.htm | title=Myrada | publisher=Myrada | date=2014 | accessdate=29 December 2014}}</ref> and the Chairman of [https://sanghamithra.org/ Sanghamithra Rural Financial Services].<ref name="Micro Capital" /><ref>{{Cite web |title=Governance – Sanghamithra |url=https://sanghamithra.org/governance/ |access-date=2025-11-25 |language=en-US}}</ref> He is known to be a prolific writer<ref name="OCLC">{{cite web | url=http://classify.oclc.org/classify2/ClassifyDemo?search-author-txt=%22Fernandez%2C+Aloysius+P.%22 | title=OCLC | publisher=OCLC | date=2014 | accessdate=29 December 2014}}</ref><ref name="Worldcat">{{cite web | url=http://www.worldcat.org/identities/lccn-n2005207871/ | title=Worldcat | publisher=Worldcat | date=2014 | accessdate=29 December 2014}}</ref> and is credited with several publications.<ref name="Agriculture Network">{{cite web | url=http://www.agriculturesnetwork.org/magazines/india/finance-for-farming/marginal-and-small-farmers-require-freedom-and | title=Agriculture Network | publisher=Agriculture Network | date=2014 | accessdate=29 December 2014}}</ref><ref name="Sanghamitra">{{cite book | url=https://books.google.com/books?id=9D6sHAAACAAJ | title=Sanghamithra: A Micro Finance Institution with a Difference | publisher=Sanghamithra | author=Aloysius Prakash Fernandez | year=2004 | pages=130}}</ref><ref name="Marginal and small farmers require freedom and options, not financial inclusion">{{cite journal | url=http://www.agriculturesnetwork.org/magazines/india/finance-for-farming/marginal-and-small-farmers-require-freedom-and/at_download/article_pdf | title=Marginal and small farmers require freedom and options, not financial inclusion | author=Aloysius Prakash Fernandez | journal=Leisa India |date=June 2010 }}</ref> Fernandez was honored by the [[Government of India]], in 2000, with the fourth highest Indian civilian award of [[Padma Shri]].<ref name="Padma Awards">{{cite web|url=http://mha.nic.in/sites/upload_files/mha/files/LST-PDAWD-2013.pdf |title=Padma Awards |publisher=Padma Awards |date=2014 |accessdate=11 November 2014 |url-status=dead |archiveurl=https://web.archive.org/web/20151015193758/http://mha.nic.in/sites/upload_files/mha/files/LST-PDAWD-2013.pdf |archivedate=15 October 2015 }}</ref> He also received the Caritas India Jubilee 2000 award the same year.<ref name="Myrada recognition">{{cite web | url=http://myrada.org/myrada/Recognition | title=Myrada recognition | publisher=Myrada | date=2014 | accessdate=29 December 2014}}</ref> At the 20th [https://www.sa-dhan.net/ Sa-Dhan] National Conference (13–14 November 2025 at New Delhi) on [[Inclusive growth|Inclusive Growth]], he was recognized by the Secretary, Department of Financial Services (DFS), Government of India with the prestigious Lifetime Achievement Award for his outstanding contributions to [[Women's empowerment|Women's Empowerment]] and [[Financial inclusion]].<ref>{{Cite web |title=#sadhanconference #lifetimeaward #financialinclusion #womenempowerment #microfinance {{!}} Sanghamithra Rural Financial Services {{!}} 11 comments |url=https://www.linkedin.com/posts/sanghamithra-rural-financial-services_sadhanconference-lifetimeaward-financialinclusion-activity-7395324565494726656-3gur |access-date=2025-11-25 |website=www.linkedin.com |language=en}}</ref>


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==References==
==References==
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{{DEFAULTSORT:Fernandez, Aloysius Prakash}}
[[Category:Recipients of the Padma Shri in other fields]]
[[Category:Recipients of the Padma Shri in other fields]]
[[Category:20th-century Indian economists]]
[[Category:20th-century Indian economists]]
[[Category:Scientists from Karnataka]]
[[Category:Scientists from Karnataka]]
[[Category:Social workers]]
[[Category:Living people]]
[[Category:Living people]]
[[Category:Year of birth missing (living people)]]
[[Category:Year of birth missing (living people)]]

Latest revision as of 12:19, 6 February 2026


Padmashree Mr. Aloysius Prakash Fernandez
Born
Karnataka, India
OccupationEconomist, social worker
Known forFather of SHG Movement
AwardsPadmashree
Caritas India Jubilee Award 2000
Sa-Dhan Lifetime Achievement Award 2025

Aloysius Prakash Fernandez known as Father of SHG Movement[1][2][3][4][5][6] is an Indian economist, social worker and the First Chairman of the NABARD Financial Services Limited (NABFINS),[7][2] a National Bank for Agriculture and Rural Development (NABARD) subsidiary, formed with the participation of several banks in India.[8] Considered by many as a pioneer of Microfinance and Self Help Group concept in India,[9][10][11][12][13][14] he was the executive director and is the member secretary of MYRADA,[15][16][17] a non governmental organization working for the eradication of poverty, gender equality and social development.[18][19][20][21][22]

Fernandez, born in Karnataka,[16] secured a post graduate degree in arts from Central University of Karnataka and obtained advanced diplomas from the University of Louvain, Belgium on Sociology and Research Methodology and from Oxford University[16] on Development Studies.[3] His early career was with Caritas India and then abroad, with the World Bank and the Canadian International Development Agency before his return to Bengaluru in 1982.[7] Besides holding the chair of NABFINS,[7] he is the secretary of Myrada,[23] executive director of The Myrada Davinson Training Centre[24] and the Chairman of Sanghamithra Rural Financial Services.[11][25] He is known to be a prolific writer[26][27] and is credited with several publications.[28][29][30] Fernandez was honored by the Government of India, in 2000, with the fourth highest Indian civilian award of Padma Shri.[31] He also received the Caritas India Jubilee 2000 award the same year.[32] At the 20th Sa-Dhan National Conference (13–14 November 2025 at New Delhi) on Inclusive Growth, he was recognized by the Secretary, Department of Financial Services (DFS), Government of India with the prestigious Lifetime Achievement Award for his outstanding contributions to Women's Empowerment and Financial inclusion.[33]

References[edit | edit source]

  1. ↑ "Reimagining Citizen Particiaption" (PDF). Pria. 17 November 2021.{{cite web}}: CS1 maint: url-status (link)
  2. ↑ 2.0 2.1 "16 annual report 2012-13" (PDF). Nabfins. 2013.{{cite web}}: CS1 maint: url-status (link)
  3. ↑ 3.0 3.1 "SiCAN FinServe". sican.in. Retrieved 19 November 2025.
  4. ↑ "IDR | The limits of AI in Social Change". Rohini Nilekani Philanthropies. Retrieved 19 November 2025.
  5. ↑ "NABARD- 25 Years of SHG Movement". NABARD. 2017.{{cite web}}: CS1 maint: url-status (link)
  6. ↑ Thakur, Sangeeta; Patel, Bhupendra Singh (10 September 2014). "Self Help Groups (SHG): A Tool for Empowerment of Women". International Journal of Reviews and Research in Social Sciences. 2 (3): 166–172.
  7. ↑ 7.0 7.1 7.2 "Nabfins". Nabfins. 2014. Retrieved 29 December 2014.
  8. ↑ "Nabfins Home". Nabfins. 2014. Retrieved 29 December 2014.
  9. ↑ "MYRADA Rural Management Systems Series Paper- 71" (PDF). MYRADA. 2021.{{cite web}}: CS1 maint: url-status (link)
  10. ↑ "MYARDA Rural Management System series Paper-73" (PDF). MYRADA. 2022.{{cite web}}: CS1 maint: url-status (link)
  11. ↑ 11.0 11.1 "Micro Capital". Micro Capital. 1 April 2008. Archived from the original on 5 September 2009. Retrieved 29 December 2014.
  12. ↑ "IDR Interviews | Aloysius Fernandez". India Development Review. Retrieved 19 November 2025.
  13. ↑ Vaid, Devanshi (16 May 2019). "India's most significant innovations have roots in civil society". India Development Review. Retrieved 19 November 2025.
  14. ↑ "The limits of AI in social change". India Development Review. Retrieved 19 November 2025.
  15. ↑ Sanghamithra: A Micro Finance Institution with a difference. Banglore: National Printing Press. July 2004. pp. 92–93.
  16. ↑ 16.0 16.1 16.2 "Purple Shoots". Purple Shoots. 16 January 2014. Retrieved 29 December 2014.{{cite web}}: CS1 maint: deprecated archival service (link)
  17. ↑ Aloysius, P. Fernandez (July 2007). "History and spread of the self-help affinity group movement in India The role played by IFAD" (PDF).{{cite web}}: CS1 maint: url-status (link)
  18. ↑ "Myrada Goals". Myrada. 2014. Archived from the original on 4 January 2015. Retrieved 29 December 2014.
  19. ↑ HISTORY TV18 (28 October 2024). Seeds of Change: How NABARD's SHGs Sparked A Revolution Transforming Rural India Forever. Retrieved 19 November 2025 – via YouTube.
  20. ↑ Rajiv Gandhi Foundation (1 January 2021). Padma Shri Aloysius Prakash Fernandez: Pioneer in Development and Social Change. Retrieved 19 November 2025 – via YouTube.
  21. ↑ Sa-Dhan Association (16 November 2022). Shri Aloysius P Fernandez. Retrieved 19 November 2025 – via YouTube.
  22. ↑ "Empowering women through the Self-Help Group Bank Linkage Programme". Community Development Journal. 2021.{{cite web}}: CS1 maint: url-status (link)
  23. ↑ "Myrada Board". Myrada Board. 2014. Archived from the original on 4 January 2015. Retrieved 29 December 2014.
  24. ↑ "Myrada". Myrada. 2014. Retrieved 29 December 2014.
  25. ↑ "Governance – Sanghamithra". Retrieved 25 November 2025.
  26. ↑ "OCLC". OCLC. 2014. Retrieved 29 December 2014.
  27. ↑ "Worldcat". Worldcat. 2014. Retrieved 29 December 2014.
  28. ↑ "Agriculture Network". Agriculture Network. 2014. Retrieved 29 December 2014.
  29. ↑ Aloysius Prakash Fernandez (2004). Sanghamithra: A Micro Finance Institution with a Difference. Sanghamithra. p. 130.
  30. ↑ Aloysius Prakash Fernandez (June 2010). "Marginal and small farmers require freedom and options, not financial inclusion". Leisa India.
  31. ↑ "Padma Awards" (PDF). Padma Awards. 2014. Archived from the original (PDF) on 15 October 2015. Retrieved 11 November 2014.
  32. ↑ "Myrada recognition". Myrada. 2014. Retrieved 29 December 2014.
  33. ↑ "#sadhanconference #lifetimeaward #financialinclusion #womenempowerment #microfinance | Sanghamithra Rural Financial Services | 11 comments". www.linkedin.com. Retrieved 25 November 2025.
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