Please use this identifier to cite or link to this item: http://hdl.handle.net/10603/19632
Title: Financial literacy of economically marginalized people of Kerala
Researcher: Joseph, Job
Guide(s): Maharajan, M
Keywords: Alappuzha
Economically marginalized people
Financial behavior
Financial literacy
Investment literacy
Kerala
Kottayam
Saving literacy
Upload Date: 23-Jun-2014
University: Mahatma Gandhi University
Completed Date: 01/11/2012
Abstract: Financial literacy is the ability to make informed judgements and to take effective decisions regarding the use and management of money. A financially literate person must be proficient in the core competencies, having financial knowledge, ability, skill and experience supported by positive attitudes towards money. Financial literacy is understood by the link from knowledge to skills, to attitudes, to behavior. This link is important, because financial knowledge influences attitudes, which then manifests into positive financial behavior. In order to improve financial literacy, it needs to be measured and tracked using both knowledge and action metrics. Financial literacy enables participation in economic life by the marginalized people and it helps them attain financial wellbeing which is the ultimate outcome of financial inclusion. Inclusive growth is possible only through deliberate interventions for changing the bad financial behaviors of economically marginalized people as inclusive growth requires the participation of everyone, rich or poor, in the growth process and sharing the growing prosperity. The higher level of financial literacy of the marginalized people in Kerala can be attributed to the presence of Self Help Groups in Kerala and also the highest general literacy level 93.91%.There is geographical difference in financial literacy and it is positively correlated to education and income. In families where joint decisions are made regarding financial matters, it is proved that financial literacy is high. newline
Pagination: xxv, 416p.
URI: http://hdl.handle.net/10603/19632
Appears in Departments:School of Gandian Thought and Development Studies

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01_title.pdfAttached File7.33 kBAdobe PDFView/Open
02_declaration.pdf39.64 kBAdobe PDFView/Open
03_certificate.pdf98.51 kBAdobe PDFView/Open
04_abstract.pdf30.44 kBAdobe PDFView/Open
05_preface.pdf30.76 kBAdobe PDFView/Open
06_contents.pdf51.41 kBAdobe PDFView/Open
07_acknowledgement.pdf32.27 kBAdobe PDFView/Open
08_list_of_tables.pdf41.84 kBAdobe PDFView/Open
09_list_of_figures.pdf34.77 kBAdobe PDFView/Open
10_abbreviations.pdf31.83 kBAdobe PDFView/Open
11_quotation.pdf37 kBAdobe PDFView/Open
12_chapter1.pdf150.47 kBAdobe PDFView/Open
13_chapter2.pdf157.14 kBAdobe PDFView/Open
14_chapter3.pdf280.7 kBAdobe PDFView/Open
15_chapter4.pdf513.15 kBAdobe PDFView/Open
16_chapter5.pdf191.97 kBAdobe PDFView/Open
17_chapter6.pdf189.42 kBAdobe PDFView/Open
18_chapter7.pdf593.24 kBAdobe PDFView/Open
19_summary.pdf86.72 kBAdobe PDFView/Open
20_bibliography.pdf157.27 kBAdobe PDFView/Open
21_appendices.pdf39.5 kBAdobe PDFView/Open


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