Understanding Investment Behavior Of Working Women In South Gujarat: A Regional Comparative Perspective

Abstract

This comprehensive research explores the factors that influence investment decisions among working women across three significant regions of South Gujarat: Kamrej, Surat, and Bardoli. These areas are characterized by increasing female financial participation driven by improved education, employment opportunities, and financial awareness. This study amalgamates individual studies conducted in the respective regions into one consolidated analysis that investigates the impact of demographics, financial literacy, income levels, risk tolerance, and personal investment goals on decision-making. Data from 350 respondents (150 from Kamrej, 100 each from Surat and Bardoli) were analyzed using descriptive and inferential statistical methods. The study found that although women are increasingly investing independently, they exhibit cautious behavior, prioritizing safety and moderate returns over high-risk ventures.