This project aims to develop "NE-Finance," a user-friendly peer-to-peer lending platform enhanced with advanced machine learning for accurate credit assessment. It introduces financial literacy programs within the app to empower users with essential financial knowledge. By transforming "NE-Finance" into a catalyst for economic growth, it anticipates increased investments in vital sectors like education, healthcare, entrepreneurship, and agriculture. Ensuring a holistic approach, the project incorporates smart contracts to foster trust and security, facilitating sustainable socio-economic development.