Hi welcome to HCM.... Here you have no need for insertion with your own finger in anus for passing stool... You have to consult surgeon for per rectal palpation and proctoscopy examination.... Mostly it will be piles with prolapsed mucosa... You might need hemorrhoidectomy or banding or sclerosent injection.....like surgical procedure ... Meanwhile take stool softener... Avoid straining at stool... Excess spicy food not taken.... More water..... Better to use moist toilet paper rather than dry... While taking bath excess scrubbing avoided. If on examination it seems mass rather than piles , then biopsy taken to reveal its nature. Hope your concern solved