Authors :
Gurwinder Kaur; Dr. Jagdeep Singh
Volume/Issue :
Volume 8 - 2023, Issue 12 - December
Google Scholar :
http://tinyurl.com/23un8x6z
Scribd :
http://tinyurl.com/447nn9ys
DOI :
https://doi.org/10.5281/zenodo.10488464
Abstract :
People in India have been attracted to savings
for a long time. However, in olden times, this savings were
not made with banks or other institutions, but in the form
of valuable metals in homes. Gold has been one such metal
in the country which was kept as money in the form of
jewellery. With the change of time, the form of savings
also changed. Metals were replaced by currency. It took a
long time for the currency to come out of the houses and
reach the banks. However, now the situation is different.
Now people keep their savings not only in banks but also
in institutions from where their money increases.In India,
the tendency to save has been found more among women.
This trend was there even when women did not earn
money directly. Now with time, women have started
earning, in that sense the tendency of saving among
women has also increased.
Saving habits are always helpful for the women to
become financially secure and provide them security in
any financial crisis. With the passage of time women
literacy rate is increasing and womenis not only getting
good jobs but also becoming job creators.Their increasing
income sources are not only helps them but also provide
help to the family.Saving habits are not only found in
educated and working women but also in non-working
women in rural and urban areas. Rural women prefer to
invest in pigmy, Banks or at home. This article is an
attempt to evaluate the saving pattern of women in rural
areas. It is also an attempt to understand the factors that
influence their saving and investmentpattern.
Punjab is an agrarian state. Women in rural areas
are playing an important role in agriculture and allied
activities. In Punjab, wheat and rice are two main cereal
crops. Dairy farming is also the main occupation of rural
areas for landless and small land holders. Women play an
important role in these occupations.
Keywords :
Rural, Investment, Saving.
People in India have been attracted to savings
for a long time. However, in olden times, this savings were
not made with banks or other institutions, but in the form
of valuable metals in homes. Gold has been one such metal
in the country which was kept as money in the form of
jewellery. With the change of time, the form of savings
also changed. Metals were replaced by currency. It took a
long time for the currency to come out of the houses and
reach the banks. However, now the situation is different.
Now people keep their savings not only in banks but also
in institutions from where their money increases.In India,
the tendency to save has been found more among women.
This trend was there even when women did not earn
money directly. Now with time, women have started
earning, in that sense the tendency of saving among
women has also increased.
Saving habits are always helpful for the women to
become financially secure and provide them security in
any financial crisis. With the passage of time women
literacy rate is increasing and womenis not only getting
good jobs but also becoming job creators.Their increasing
income sources are not only helps them but also provide
help to the family.Saving habits are not only found in
educated and working women but also in non-working
women in rural and urban areas. Rural women prefer to
invest in pigmy, Banks or at home. This article is an
attempt to evaluate the saving pattern of women in rural
areas. It is also an attempt to understand the factors that
influence their saving and investmentpattern.
Punjab is an agrarian state. Women in rural areas
are playing an important role in agriculture and allied
activities. In Punjab, wheat and rice are two main cereal
crops. Dairy farming is also the main occupation of rural
areas for landless and small land holders. Women play an
important role in these occupations.
Keywords :
Rural, Investment, Saving.
