Paper Title
THE ROLE OF FINANCIAL LITERACY IN STRENGTHENING WOMEN’S DECISION-MAKING CAPACITY: A STUDY OF RURAL AND URBAN AREAS OF ANAND CITY
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Published ID: IJNRDL001003
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THE ROLE OF FINANCIAL LITERACY IN STRENGTHENING WOMEN’S DECISION-MAKING CAPACITY: A STUDY OF RURAL AND URBAN AREAS OF ANAND CITY
Abstract
Financial literacy has emerged as a critical enabler of women’s empowerment, directly influencing their ability to make informed decisions in households, entrepreneurship, and governance. This study explores the extent to which financial knowledge enhances women’s confidence, independence, and agency in economic and social spheres. Drawing on surveys of urban and rural women, secondary data from national financial inclusion reports, and case studies of Self-Help Groups (SHGs) and microfinance initiatives, the research highlights the transformative role of financial literacy in strengthening decision-making capacity. Findings reveal that women with higher financial literacy are more likely to manage household budgets effectively, invest in productive assets, and participate in entrepreneurial ventures. Moreover, financial literacy reduces dependence on male family members, enabling women to negotiate better within households and communities. The study also identifies barriers such as limited education, cultural norms, and restricted access to training, which hinder women’s financial empowerment. Policy implications emphasize integrating financial literacy into educational curricula, expanding digital literacy programs, and designing women-friendly financial products. Ultimately, the research underscores that financial literacy is not merely a technical skill but a pathway to agency, resilience, and inclusive development, positioning women as active contributors to sustainable economic growth in Anand city.
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How To Cite (APA)
Mrs. Kavita Parmar (March-2026). THE ROLE OF FINANCIAL LITERACY IN STRENGTHENING WOMEN’S DECISION-MAKING CAPACITY: A STUDY OF RURAL AND URBAN AREAS OF ANAND CITY. INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT, 11(3), 27-32. https://ijnrd.org/papers/IJNRDL001003.pdf
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Volume 11 Issue 3, March-2026
Pages : 27-32
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Paper Reg. ID: IJNRD_322444
Published Paper Id: IJNRDL001003
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Author Type: Indian Author
Country: -, -, India
Published Paper PDF: https://ijnrd.org/papers/IJNRDL001003.pdf
Published Paper URL: https://ijnrd.org/viewpaperforall?paper=IJNRDL001003
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