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- W4379034580 abstract "Purpose of the research-The current study focuses on the impact of socio-economic factors on the personal financial planning among working women in the education sector. MethodologyFirst, the socio-economic profile of the respondents comprising seven factors is explained. Secondly, respondents’ savings and investment behavior are assessed by examining the investmentperiod, preferences of investment objectives, risktaking ability, and preferences towards investment avenues. Hypotheses (H0 and HA) were framed and further tested by applying one-way ANOVA and Ttest. State wise comparison among the working women of Himachal Pradesh and Punjab is also done. Finally, the conclusions are made about the savings and investment behavior of the working women in the education sector of Himachal Pradesh and Punjab. Findings-The results show that socio-economic factors affect the preference towards personal financial planning among working women. However, their impact differs state-wise. Implications- There is an urgent need to increase financial planning participation among working women. This is possible by enhancing the financial literacy level and increasing the awareness of financial products for investments. There is a need to educate them as well as encourage them to invest in investment avenues that provide higher returns. Women need to bemotivated for long-term investments for their financial well-being. Originality-The authors make determined efforts to explain the impact of socioeconomic factors on the personal financial planning among working women for their financial security in the future." @default.
- W4379034580 created "2023-06-02" @default.
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- W4379034580 date "2022-12-23" @default.
- W4379034580 modified "2023-10-17" @default.
- W4379034580 title "Impact of Socio-Economic Factors on Personal Financial Planning Among Working Women in the Education Sector" @default.
- W4379034580 doi "https://doi.org/10.56763/ijfes.v2i.141" @default.
- W4379034580 hasPublicationYear "2022" @default.
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