Financial Literacy And Saving Practices Among Women Employees: A Study Of Sivagangai District

Abstract

The study focuses on the financial literacy and saving habits of women employees in Sivagangai District, based on their awareness, decision-making, and challenges related to personal finance management. It is evident that the degree of women's understanding of financial principles has a significant impact on their ability to save and invest, thus affecting their economic independence and household financial security. Based on data obtained from several professional cohorts, the study reveals differential levels of financial literacy and evaluates the impact of education, income, and access to finance on saving or limitationbehaviors. Results highlight the necessity of targeted financial literacy programs along with community-based interventions designed to build women's confidence and capabilities in handling personal finance. It aims to contribute to an inclusive discussion on women's empowerment and financial inclusion at a regional level by instilling informed financial practices.