文章基本信息

标题：Determinants of Financial Literacy and Use of Financial Services: An Empirical Study amongst the Unorganized Sector Workers in Indian Scenario
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作者：Debabrata Jana ; Abhijit Sinha ; Arindam Gupta 等
期刊名称：Iranian Journal of Management Studies
印刷版ISSN：2008-7055
出版年度：2019
卷号：12
期号：4
页码：657-675
DOI：10.22059/ijms.2019.268945.673392
语种：English
出版社：University of Tehran * College of Farabi
摘要：The present paper aims to identify the effect of demographic and socio-economic variables on financial literacy and its impact on the use of financial services. For this study, primary data are collected from 400 unorganized sector workers of Paschim Medinipur district, also an economically development lagger in the state of West Bengal of India. The logit regression result shows that the main explanatory variables of financial literacy are occupation, income and educational qualification. Similarly, with regard to use, the main positive determinants are financial literacy, income and domicile. Thus, the outcome of this research has a significant outcome to guide the policy-makers in respect of improving financial literacy and inclusion.
关键词：Demographic factors;Financial literacy;Use of financial services;Unorganized sector;Logit