Page 47 - 2020
P. 47

M.Phil.
                                                                                (Social Sciences & Humanities)
          A STUDY ON FACTORS INFLUENCING FINANCIAL LITERACY
          AMONG COLLEGE STUDENTS WITH REFERENCE TO NORTH GUJARAT

          Ph.D. Scholar : Ushma A. Vaghela
          Research Supervisor : Dr. Kundan Patel



                                                                                Regi. No.: 19055131007
          Abstract :
          Financial literacy means the capacity to manage cash and finance related issues and it is
          vital to understand for youth, as we have to tackle it on daily basis and it is helpful to
          overcome  barriers  as  well  as  to  take  proper  decisions  regarding  financial  issues.  This
          study is conducted with the main objective of finding out the factors influencing financial
          literacy among the college students of north Gujarat. In this research 472 samples were
          taken from different colleges of different districts of north Gujarat. Convenience sampling
          method used to collect the primary data from the respondents to analyze their financial
          literacy.  Through  pre-coded  structured  questionnaire  primary  data  was  collected  and
          secondary data from the topic related past studies. In this research analyze of student’s
          financial  behavior,  financial  influence,  financial  attitude  and  financial  Knowledge  was
          done.  In  this  study  financial  influence,  financial  attitude  and  financial  behavior  are
          independent  variables  whereas  financial  knowledge  is  dependent  variable.  In  this
          research Primary data was described by frequency whereas Hypothesis of this study was
          tested  by  ANOVA  and  multiple  regression  analysis.  This  research  found  that  the
          independent  variables  like  financial  influence,  financial  behaviour  and  financial  attitude
          are significant variable. The research concludes that student of north Gujarat is highly
          agreed with financial literacy. So, the financial literacy of students of north Gujarat is high.

          Key  words:  Financial  Literacy  (F.L.),  Financial  Behavior  (F.B.),  Financial  Influence  (F.I.),
          Financial Attitude (F.A.), Financial Knowledge (F.K.), College Students, North Gujarat.





















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