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Sulthana, Afreen
- A Study of Financial Literacy Awareness among Working Employees, with Special Reference to the Telangana Region
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Authors
Affiliations
1 Research Scholar, Department of Business and Management, KL Business School, KL University (Deemed to be University), Green Fields, Vaddeswaram, Guntur, Andhra Pradesh, IN
2 Professor, Department of Business and Management, KL Business School, KL University (Deemed to be University), Green Fields, Vaddeswaram, Guntur, Andhra Pradesh, IN
3 Professor, Head Department of Business Administration, KL Business School, KL University (Deemed to be University), Green Fields, Vaddeswaram, Guntur, Andhra Pradesh, IN
1 Research Scholar, Department of Business and Management, KL Business School, KL University (Deemed to be University), Green Fields, Vaddeswaram, Guntur, Andhra Pradesh, IN
2 Professor, Department of Business and Management, KL Business School, KL University (Deemed to be University), Green Fields, Vaddeswaram, Guntur, Andhra Pradesh, IN
3 Professor, Head Department of Business Administration, KL Business School, KL University (Deemed to be University), Green Fields, Vaddeswaram, Guntur, Andhra Pradesh, IN
Source
Journal of Commerce and Accounting Research, Vol 11, No 1 (2022), Pagination: 16-22Abstract
Financial literacy is the blend of one’s knowledge, skills, and manners regarding financial matters. It helps one make well-versed decisions and improve personal welfare. Research have been conducted globally for measuring the scope of financial literacy. Financial literacy study has been conducted at different levels through the governments in different areas; in addition, researchers are conducting surveys on it. This paper concentrated on financial literacy among working employees and to observe how well-resourced they are to take financial decisions. A survey has been conducted through a questionnaire to compute the attentiveness of financial literacy of working employees in the Telangana region. The study portrays that gender, education, income, and age impact the altitude of financial literacy; further, the focal point of a relationship in investment choice of the respondents is based on some parameters. All investment avenues, except marriage and post office schemes, have an impact on financial literacy. This paper will help one adopt suitable strategies to hunt for the altitude of financial literacy among the working employees.Keywords
Financial Literacy, Investment Risk, Insurance, Working Employees
References
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- Financial Problems and Prospects of MSMEs in the State of Telangana
Abstract Views :208 |
PDF Views:0
Authors
Affiliations
1 Research Scholar, Department of Business and Management, KL Business School, KL University (Deemed to be University), Green Fields, Vaddeswaram, Guntur, Andhra Pradesh, IN
2 Professor, Department of Business and Management, KL Business School, KL University (Deemed to be University), Green Fields, Vaddeswaram, Guntur, Andhra Pradesh, IN
1 Research Scholar, Department of Business and Management, KL Business School, KL University (Deemed to be University), Green Fields, Vaddeswaram, Guntur, Andhra Pradesh, IN
2 Professor, Department of Business and Management, KL Business School, KL University (Deemed to be University), Green Fields, Vaddeswaram, Guntur, Andhra Pradesh, IN
Source
Journal of Commerce and Accounting Research, Vol 11, No 4 (2022), Pagination: 09-14Abstract
MSMEs have been playing an important role in the overall economic development of a country like India, where millions of people are underemployed or even unemployed. Despite an intricate policy framework, their progress is hampered by a few basic constraints, like finance accessibility, lack of technical knowledge and skilled manpower, and inadequate infrastructure in suburban and rural areas. This paper presents the research methodology for analysing the financial problems and prospects of MSMEs in the Indian state of Telangana. The research model uses primary and secondary data for the analysis. The questionnaire was prepared and distributed to the managers or owners of 500 MSMEs, and their responses were obtained. The results show that most of the MSMEs are facing the financial problem of shortage of working capital. The MSMEs have many prospects, like improved productivity through Skill India, unprecedented entrepreneurial opportunities with industrial area development, and so on.Keywords
Micro, Small, and Medium Enterprises (MSMEs), Financial Problems and Prospects, Telangana, Problems of MSMEs, Enterprises.References
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