This paper delves into the challenges encountered by Self-Help Groups (SHGs) in Bhagalpur District after the pandemic, emphasizing their resilience and the necessity for assistance. It examines the financial aspect of small-scale businesses, underscoring the role of inclusive financial mechanisms like Microfinance and SHGs in empowering communities. Despite the rural-urban demographic disparity, SHGs remain pivotal for rural development. However, the COVID-19 pandemic has disrupted their functioning, resulting in economic slowdown, reduced cash flow, declining sales, and increased unemployment among members. Through primary and secondary data analysis, including a content analysis of 150 SHG members and interviews with small and medium enterprises within the SHGs, this study identifies key challenges and demographic trends. Notably, it observes a significant presence of middle-aged participants, particularly housewives, engaged with SHGs over extended periods. The primary post-pandemic concern revolves around declining sales, indicating a profound impact on income sources. These findings underscore the resilience of SHGs and highlight the need for targeted support measures to navigate post-pandemic uncertainties effectively. The study concludes by offering actionable insights and recommendations aimed at strengthening the resilience and effectiveness of SHGs, ensuring sustained community empowerment in the face of adversity.

___________________________________________________________________________________

Keywords: Self-Help Groups (SHGs), Post-Pandemic Challenges, Microfinance, Rural Development, Economic Resilience.