Authors : Dr. V. V. V. Satyavathi; Dr. P. Shanmukha Rao

Volume/Issue : Volume 11 - 2026, Issue 4 - April

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

Scribd : https://tinyurl.com/4cw4586f

DOI : https://doi.org/10.38124/ijisrt/26apr1957

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Abstract : Financial literacy plays a crucial role in promoting financial inclusion and economic empowerment, particularly among rural women. This study examines the level of financial literacy among rural women in East Godavari District of Andhra Pradesh, focusing on financial knowledge, behavior, attitudes, and barriers to digital finance. The study is based on both primary and secondary data; primary data was collected from 458 respondents using a structured questionnaire with a five-point Likert scale, while secondary data was gathered from books, journals, and reports. The data were analyzed using descriptive statistics such as frequency, percentage, mean, and standard deviation. The findings show that rural women have a moderate level of financial knowledge, with better awareness of basic banking services but limited understanding of technical aspects like interest calculation and digital finance. While financial behavior reflects responsible borrowing and repayment, gaps exist in saving habits and record-keeping. Respondents also exhibit positive financial attitudes but face barriers such as a lack of smartphones, poor internet connectivity, language issues, and security concerns in using digital finance. The study concludes that improving financial literacy through training, better digital infrastructure, and user-friendly platforms is essential for enhancing financial inclusion and empowerment.

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