Examining the Impact of Financial Literacy Among Working  Women in Haryana

Priyanka; Dr. Vinay Nandal; Dr. Kiran Yadav

doi:10.36676/urr.v12.i1.1454

Authors

Priyanka Research Scholar, Baba Mastnath University, Asthal Bohar, Rohtak
Dr. Vinay Nandal Assistant Professor, Faculty of Management and Commerce, BMU, Asthal Bohar, Rohtak
Dr. Kiran Yadav Assistant Professor, Deptt. of Commerce, P.G.D.A.V. College, New Delhi

DOI:

https://doi.org/10.36676/urr.v12.i1.1454

Keywords:

Financial literacy, Working women, Demographic variables

Abstract

This study explores the relationship between demographic variables (age, education and income) and financial literacy levels among working women across four cities in Haryana: Rohtak, Sonipat, Panipat and Karnal. A structured questionnaire was used to collect primary data from a sample of 440 participants (110 from each city). The data was screened, coded and analyzed using SPSS 23, employing descriptive statistics and regression analysis. Key findings reveal that while age does not moderate the relationship, education and income significantly influence financial literacy levels. Models with educational qualifications and income as moderators demonstrated statistically significant effects, underscoring their critical role in shaping financial literacy. The study provides actionable insights for policymakers and educators to tailor financial literacy programs to demographic needs, enhancing economic empowerment among women.

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