Important Details
IJCRT - International Peer Reviewed, Open Access Journal, Multidisciplinary, Monthly, Nominal(Low) Fees for Professional Research Services International Journal of Creative Research Thoughts - IJCRT Peer Review Journal, Refereed Journal, Peer Reviewed Journal , Referred Journal and Indexed Journal, Open access, Online and Print Journal,international Journal Open Access, Accepted by Indian and foreign university ,IJCRT Followed Norms, guidelines, requirement, listing criteria and methodology of score/point also applied from: Scopus , Web of Science , UGC Approved , UGC CARE, UGC-CARE .
UGC Approved Journal No: 49023 (18)
UGC approval Link
https://ijcrt.org/ugc%20approval.jpg
All Policy and Approval
Please Like Our Facebook Page and get 100 of in DOI | DOI and Hard copy of Certificate Provide if required. | www.IJCRT.org | editor@IJCRT.org | WhatsApp: 7990172303
Publication Details:
- Paper Submission : 30-Jun-2024. Call For Paper (Volume 12 | Issue 6 | Month- June 2024)
- Acceptance/Rejection Notification: Within 02-04 Days.
- Paper Publish: Within 02-04 Days after submitting all documents.
-
Submit Your Paper Any time There No deadline.
-
Publication fees with free DOI: 1500 INR for Indian author & 55$ for foreign International author.
Please Like Our Facebook Page and get 100 INR off in DOI | DOI and Hard copy of Certificate Provide if required.
Licence and Indexing
Indexing In Google Scholar, SSRN, ResearcherID-Publons, Semantic Scholar | AI-Powered Research Tool, Microsoft Academic, Academia.edu, arXiv.org, Research Gate, CiteSeerX, ResearcherID Thomson Reuters, Mendeley : reference manager, DocStoc, ISSUU, Scribd, and many more | High Impact Factor: 7.97 | Digital object identifier (DOI) and Hard Copy of certificate Provided.
Licence
DOI
ISSN Approved impact factor: 7.97 
Creative Common 
Valid as per new UGC Gazette regulations 
INTERNATIONAL JOURNAL OF CREATIVE RESEARCH THOUGHTS - IJCRT (IJCRT.ORG)
International Peer Reviewed & Refereed Journals, Open Access Journal
ISSN Approved Journal No: 2320-2882 | Impact factor: 7.97 | ESTD Year: 2013
Call For Paper - Volume 12 | Issue 6 | Month- June 2024
Scholarly open access journals, Peer-reviewed, and Refereed Journals, Impact factor 7.97 (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)
Contact Us Click Here
WhatsApp Contact Click Here
Published Paper Details:
A STUDY ON FINANCIAL LITERACY AND ITS IMPACT ON INVESTMENT DECISIONS-A CASE STUDY OF WOMEN IN SADALGA TALUKA, CHIKKODI
Authors
Keerti M Deshpande,Shraddha Pradhane
Downlaod Center
Keywords
Financial Literacy, Financial Inclusion, Investment Decision, Financial Awareness, Financial Motivation
Abstract
Financial literacy is a multifaceted concept and is considered to be one of the most researched
areas and also a crucial component which envisages financial inclusion. It encompasses across all the levels of societies and economic strata. The lack of understanding the concept of financial literacy would result in poor investment decision making. Therefore, financial literacy acts as a catalyst which can improve the quality of life, as it boosts the savings and investment decision taken by individuals to ensure a safe and secured future. The paper is an attempt to methodically use a case study approach of women in Sadalga Taluka, Chikkodi" in order to understand the in-depth concept of financial literacy and its impact on investment decision making. The objective of the study is to closely examine the literacy levels of women using 4 demographic factors namely age, income, occupation and education level and also assess the components like Financial Awareness and Knowledge of Financial Products, Attitudes towards Savings and Investments, behaviour towards Savings & Investments and Financial Motivation were analysed in the research. It also encompasses the analysis of the influence of 4/2 demographic factors that impact the savings and investment decisions. The primary data for the study has been collected by developing a questionnaire as a survey tool consisting of 34 questions through convenience sampling technique and also conducted a face-to-face interview method. The four components namely, 129 women respondents belonging to varied economic, social and financial background residing in Sadalga village in Chikkodi. The data has been analysed using frequencies, percentages and cross tabulation. The findings of the study reveal that; although women having a reasonable income-generating employment backed up by their family bread-winners, they possess lesser financial knowledge. Majority of women (66%) respondents are well educated and belonged to the "others" (other than agriculture) category of occupation. They are presumed to be occupants of agriculture or running their family-owned businesses. It points to the understanding that the respondents with higher income levels have not sensed the need for financial literacy and knowledge on avenues of investment. The women who hold an above the average annual income are more motivated to invest in good investment avenues and are more inclined to make informed decisions for future. From the survey conducted and the interview, it was observed that a minimum percentage of women (32%) had lower level of financial literacy, and such individual women preferred gold investment as a conservational investment option.
IJCRT's Publication Details
Unique Identification Number - IJCRT2312226
Paper ID - 247486
Author type - Indian Author
Page Number(s) - b933-b944
Pubished in - Volume 11 | Issue 12 | December 2023
DOI (Digital Object Identifier) -
No Of Downloads - 47
Author Country - India, 580004, Dharwad, Dharwad, 580004, Commerce and Management, MBA All Branch
Publisher Name - IJPUBLICATION | www.ijcrt.org | ISSN : 2320-2882
E-ISSN Number - 2320-2882
Published Paper PDF : - http://www.ijcrt.org/papers/IJCRT2312226
Published Paper URL: : - http://ijcrt.org/viewfull.php?&p_id=IJCRT2312226
Published Paper PDF Downlaod: - download.php?file=IJCRT2312226
Download Your article
Cite this article
Keerti M Deshpande,Shraddha Pradhane, "A STUDY ON FINANCIAL LITERACY AND ITS IMPACT ON INVESTMENT DECISIONS-A CASE STUDY OF WOMEN IN SADALGA TALUKA, CHIKKODI", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.11, Issue 12, pp.b933-b944, December 2023, Available at :http://www.ijcrt.org/papers/IJCRT2312226.pdf
License
Article Preview
Types of Articles invited
Research Papers, Survey Papers, Study Papers, Subjective Papers, Experimental Result Papers, Analysis Study Research Papers, Informative Article, Comparison Papers, Case Studies Papers, Review Papers, Comparative Studies, Dissertation Chapters, Research Proposals or Synopsis, Working Projects, New Innovation & Idea, Prototypes and Models and many More
Call For Paper
About IJCRT (Refereed Journal, Peer Journal and Indexed Journal )
About IJCRT
The International Journal of Creative Research Thoughts (IJCRT) aims to explore advances in research pertaining to applied, theoretical and experimental Technological studies.
The goal is to promote scientific information interchange between researchers, developers, engineers, students, and practitioners working in and around the world.
IJCRT is Scholarly open access journals, Peer-reviewed, and Refereed Journals, Impact factor 7.97 (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)
The open access supports the rights of users to read, download, copy, distribute, print, search, or link to the full texts of these articles provided they are properly acknowledged and cited.
Indexing In Google Scholar, SSRN, ResearcherID-Publons,
Semantic Scholar | AI-Powered Research Tool, Microsoft Academic, Academia.edu, arXiv.org, Research Gate, CiteSeerX, ResearcherID Thomson Reuters, Mendeley : reference manager, DocStoc, ISSUU, Scribd, and many more
International Journal of Creative Research Thoughts (IJCRT)
ISSN: 2320-2882 | Impact Factor: 7.97 | Impact Factor: 7.97 and Monthly-Peer-reviewed, and Refereed Journals.
Open Access Processing Charges or Publication fees with free DOI : ₹1500 INR for Indian author & 55$ for foreign International author.
Refereed Journal, Peer Journal and Indexed Journal
Publication Issue Frequency : Monthly (12 issue Per Year Annually)
Journal Discipline and Subject : Multidisciplinary,Monthly,Multilanguage (Regional language supported) .
Publisher and Managed By : IJPUBLICATION (ijpublication.org).
Publication Supported Languages: Allow All Multiple Languages (Regional language supported).
Provide DOI and Hard copy of Certificate.
High impact factor and 50+ index database and Fast paper publication.
Nominal Fee for Professional Research Services, Low cost research journal.
Publication Guidelines : COPE Guidelines
Quick, Fast, automatic Speedy Review and publication Process
Notification of Review Result and publication - Within 02-03 Days.
Provide Free e-certificate to all author and DOI (Digital Object Identifiers) to All Paper.
Download all digital data from website anytime lifetime available.
Indexing of paper in all major online journal databases.
Low Publication Charge 1500 INR per single paper Publication with Maximum 5 Author for indian author & 55$ for foreign International author.
Paper Submission Till : 29 June 2024
Review Results (Acceptance/Rejection) Notification : Within 02-03 Days
Paper Publication Time : Paper Publish: Within 02-03 Days after submitting all the required documents.
Submit your Paper Submit your paper
Call For Paper (Volume 12 | Issue 6 | Month- June 2024)
Licence and Indexing
Indexing In Google Scholar, ResearcherID Thomson Reuters, Mendeley : reference manager, Academia.edu, arXiv.org, Research Gate, CiteSeerX, DocStoc, ISSUU, Scribd, and many more | High Impact Factor: 7.97 | Digital object identifier (DOI) and Hard Copy of certificate Provided.
Licence
DOI
ISSN Approved Impact Factor: 7.97
Creative Common
Valid as per new UGC Gazette regulations 
Features
Impact Factor: 7.97 and ISSN approved. Impact Factor: 7.97 Calculated by google scholar Call For Paper (Volume 12 | Issue 6 | Month- June 2024) Quick, Fast, automatic Speedy Review Process Notification of Review Result - Within 02-03 Days. Publication of Paper - Within 02-03 Days.
Provide Free DOI(Digital Object Identifiers) to All Paper. Provide Hard copy of certificate based on request. Indexing of paper in all major online journal databases. SEO effective and Automated Metadata Citation Generator.
Open-Access peer reviewed International Journal Fully Automated and Secure https Website Author can Check Publication Process status online. EMail and SMS notification to the author for each Process stage. Paper and Soft Copy of "Certificate" Available life time on website.
Qualifed & Experience Reviewers from Well-known Institutes/Universities among the world. Social Media, Email and Call Support 24*7. Google Scholar, ResearcherID Thomson Reuters Indexing. Author Research Guidelines & Support.
Indexing Partners
Call For Paper June 2024
Call For Papers
June 2024
Volume 12 | Issue 6
Last Date :
30-Jun-2024
Submit Manuscript Online Impact Factor: 7.97 Review Results : Within 02-03 Days Paper Publication : Within 02-03 Days
June 2024
Volume 12 | Issue 6
Last Date :
30-Jun-2024
Submit Manuscript Online Impact Factor: 7.97 Review Results : Within 02-03 Days Paper Publication : Within 02-03 Days
Published Issue Details
For Authors
Forms / Downloads
Other IMP Links
Indexing Partner
Research Area
LICENSE
ISSN and 7.97 Impact Factor Details
ISSN: 2320-2882 Impact Factor: 7.97 and ISSN APPROVED Journal Starting Year (ESTD) : 2013
ISSN and 7.97 Impact Factor Details
ISSN: 2320-2882 Impact Factor: 7.97 and ISSN APPROVED Journal Starting Year (ESTD) : 2013
DOI Details
CONFERENCE
CONFERENCE MANAGMENT & PUBLICATION CONFERENCE PROPOSAL
RECENT CONFERENCE
CONFERENCE PROPOSAL CONFERENCE PROCEEDINGS
CONFERENCE PROPOSAL CONFERENCE PROCEEDINGS
For Reviewer /Referral (RMS) Earn 500 per paper
Important Links
NEWS & Conference
Digital Library
IJCRT RMS | Earn 500 Per Paper.
Open Access
LICENSE
Indexing Partner
Scholarly open access journals, Peer-reviewed, and Refereed Journals, Impact factor 7.97 (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)
