International Research Journal of Education and Technology

Despite affirmative action policies, financial vulnerability among India's scheduled tribes (ST) remains an issue. These communities face significant economic challenges stemming from structural issues such as limited access to employment and educational opportunities. Due to educational inequality, they have lower levels of financial literacy, which affects their ability to make informed decisions. Due to limited employment opportunities, incomes are unpredictable, and limited access to financial resources exacerbates their financial precariousness. Discrimination and social isolation make these issues worse and contribute to a vicious circle of economic fragility. To solve this issue, a complete approach is required, one that incorporates targeted educational initiatives, improved job opportunities, and easier access to financial services.

KEY WORDS: Tribes, India, Financial, vulnerability, critical