Abstract
This study examines the level of financial literacy and investment awareness among women, focusing on their financial knowledge, decision-making behaviour, and the challenges they face in managing finances. The research is based on primary data collected from 200 women respondents from rural and urban areas of South Gujarat, using a structured questionnaire and descriptive statistical tools.
The study analyses women’s awareness of banking services, digital payment methods, investment options, financial planning, and government schemes. The findings reveal that while most women are aware of basic financial services, their understanding of investments and financial planning is limited. Factors such as lack of knowledge, fear of loss, dependence on family members, and limited guidance significantly affect their financial decisions.
The study highlights the need for targeted financial literacy programs and awareness initiatives to enhance women’s financial knowledge, independence, and confidence, thereby supporting their economic empowerment and overall financial well-being.
Keywords: Financial Literacy, Challenges for Women, Investment Awareness, Financial Decision-Making, Financial Education
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