Authors : Maheshwari B. M.; Dr. Manoj Kumara N. V.

Volume/Issue : Volume 11 - 2026, Issue 9 - September

Google Scholar : https://tinyurl.com/3e236s3y

DOI : https://doi.org/10.38124/ijisrt/26sep1384

Note : A published paper may take 4-5 working days from the publication date to appear in PlumX Metrics, Semantic Scholar, and ResearchGate.

Abstract : In the current socio-economic context, enhancing financial literacy and investment awareness among rural women is essential for achieving inclusive growth and sustainable development. This study aims to analyze the financial literacy levels and investment patterns among Self-Help Group (SHG) members in Mysuru District, Karnataka. The research focuses on how SHGs influence financial behavior, empowerment, and preparedness among their members. A descriptive research method was adopted using primary data collected through a structured questionnaire based on a 5point Likert scale. The sample consisted of 200 SHG members from four taluks: Hunsur, Mysuru-Rural, Nanjangud, and K.R. Nagara. Descriptive statistics and ANOVA were used to examine variations in financial awareness and investment behavior across different demographic groups. The results revealed that although many members have a fair understanding of basic financial concepts, limited income and education levels hinder effective investment planning. The study also found that SHG participation significantly contributes to financial inclusion, especially through access to microcredit and financial training programs. Significant differences were observed in financial preparedness and investment awareness across income and education levels. The findings underscore the need for focused financial education and digital literacy initiatives.

Keywords : Self-Help Groups, Financial Literacy, Investment Patterns, Women Empowerment, ANOVA.

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• List of Blogs and Websites

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