Advancing Indigenous Tribal Development: Bibliometric Insights and Moderation Analysis of Financial Practices

Abstract

This study seeks to strengthen financial practices among tribal communities in ways that promote their socio‑economic advancement while safeguarding their cultural heritage and natural environment. Despite a substantial rise of nearly 46% in government allocations for tribal development in 2025 (₹14,925.81 crore), many tribal groups continue to face challenges related to financial literacy and limited access to essential services such as banking and savings.To address these issues, the research is framed within the Sustainable Development Goals (SDGs) and employs a dual methodological design: first, a review of existing literature, and second, an empirical analysis of financial behaviour across different demographic segments. Tools such as VOSviewer and RStudio Biblioshiny (TITLE‑ABS‑KEY “TRIBAL DEVELOPMENT”) are used for bibliometric mapping, while Smart-PLS facilitates multi‑group moderation analysis to examine how variables like age and gender influence saving and spending patterns. Findings reveal significant variations in the way tribal populations manage financial resources, underscoring the urgent need for culturally sensitive financial inclusion programs that encourage growth without eroding traditional values. By aligning with the SDGs, the study provides actionable insights for policymakers and development practitioners committed to building a more equitable and inclusive future.