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INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT International Peer Reviewed & Refereed Journals, Open Access Journal ISSN Approved Journal No: 2456-4184 | Impact factor: 8.76 | ESTD Year: 2016 Scholarly open access journals, Peer-reviewed, and Refereed Journals, Impact factor 8.76 (Calculate by google scholar and Semantic Scholar | AI-Powered Research Tool) , Multidisciplinary, Monthly, Indexing in all major database & Metadata, Citation Generator, Digital Object Identifier(DOI) |
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| Paper Title: | Impact of Financial Literacy on individual investment decision: “A case study of J&K UT” |
| Authors Name: | HARISH SAMBYAL |
| Download E-Certificate: | Download |
| Author Reg. ID: |
IJNRD_211473
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| Published Paper Id: | IJNRD2312311 |
| Published In: | Volume 8 Issue 12, December-2023 |
| DOI: | |
| Abstract: | Financial literacy refers to the knowledge, skills, and ability of an individual to understand financial concepts and make informed decisions regarding personal finance. The impact of financial literacy on an individual's investment decision-making is significant, as it can help individuals make informed decisions and achieve their financial goals. Individuals who are financially literate are better equipped to understand the risks and potential returns of various investment options. They can also evaluate the suitability of different investment options based on their personal financial goals, risk tolerance, and time horizon. Financially literate individuals are more likely to diversify their investment portfolios and make informed decisions about asset allocation. In addition, financial literacy can help individuals avoid costly mistakes, such as investing in high-risk investments without fully understanding the potential downside. Financially literate individuals are more likely to avoid scams and fraudulent investments, which can result in significant financial losses. Overall, financial literacy is a crucial factor in an individual's investment decision-making process. It can help individuals make informed decisions, avoid costly mistakes, and achieve their financial goals. Therefore, it is essential for individuals to invest in their financial education and improve their financial literacy. In this proposal, researcher attempts to study the factors responsible for financial literacy on individual investment decision. The study is based on descriptive and exploratory style using primary data. The primary data is collected with the help of Google forum. Pie-chart presentation is used for the purpose for analyzing the data. The result of the survey shows that there exists a positive relationship on gender, qualification and occupation with respect to financial literacy to make efficient investment decision. |
| Keywords: | financial literacy, investment decision, J&K UT, Financial behaviour, |
| Cite Article: | "Impact of Financial Literacy on individual investment decision: “A case study of J&K UT”", International Journal of Novel Research and Development (www.ijnrd.org), ISSN:2456-4184, Vol.8, Issue 12, page no.d94-d102, December-2023, Available :http://www.ijnrd.org/papers/IJNRD2312311.pdf |
| Downloads: | 000118760 |
| ISSN: |
2456-4184 | IMPACT FACTOR: 8.76 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.76 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
| Publication Details: |
Published Paper ID:IJNRD2312311 Registration ID: 211473 Published In: Volume 8 Issue 12, December-2023 DOI (Digital Object Identifier): Page No: d94-d102 Country: SAMBA, JAMMU AND KASHMIR, India Research Area: Commerce Publisher : IJ Publication Published Paper URL : https://www.ijnrd.org/viewpaperforall?paper=IJNRD2312311 Published Paper PDF: https://www.ijnrd.org/papers/IJNRD2312311 |
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ISSN: 2456-4184
Impact Factor: 8.76 and ISSN APPROVED
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