This in-depth study conducts a thorough analysis of the intricate mechanisms driving economic empowerment among women within the coastal fishing community of Kollam District. It provides a comprehensive understanding of the pivotal role played by microfinance programs, offering valuable insights in an era where the promotion of women's empowerment and financial inclusion takes precedence. The research assesses the extent to which women experience financial inclusion, taking into account a myriad of factors that shape their economic opportunities. Through rigorous examination, this study illuminates the profound impact of educational attainment, demonstrating how varying levels of formal education influence women's financial literacy and their capacity to attain economic independence. Additionally, the research delves into the diverse marital statuses of female participants and their correlation with economic empowerment. The significance of comprehending the varied socio-economic contexts and life circumstances of women is underscored in order to develop microfinance efforts that are suited to their distinct requirements. Furthermore, the present study examines the sustainability and scalability of microfinance programs within the coastal context. The statement recognises the significant challenge presented by climate change and its implications for coastal communities, encompassing the rise in sea levels and the alteration of fishing patterns. The study used the Chi-Square analysis technique to examine the complex association between women's involvement in microfinance initiatives and their ability to withstand environmental adversities. This analysis also examines the crucial significance of the policy and institutional environment in either impeding or enabling the growth of microfinance ventures. This comprehensive analysis highlights the importance of addressing both the immediate financial requirements of women and the wider socio-environmental issues that impact their livelihoods in order to effectively empower them economically. This study proposes the endorsement of a comprehensive approach in the endeavor to achieve women's economic empowerment, acknowledging that it covers dimensions beyond mere financial services. The phenomenon under consideration covers the socio-cultural realities, environmental circumstances, and policy environment within which they are situated. Through the acceptance and integration of this intricate nature, efforts can be directed towards cultivating enhanced financial inclusivity, resilience, and prosperity within the female population of the coastal fishing community situated in Kollam District. Moreover, this endeavor holds the potential to impart useful insights applicable to analogous groups on a global scale.

Keywords: Economic Empowerment, Microfinance Programs, Coastal Fishing Community.