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IMPACT OF FINANCIAL LITERACY (FL) AND ACCESS TO BANKING SERVICES (AC) ON FINANCIAL WELL-BEING (FWB): AN EMPIRICAL STUDY
Jitender Kumar 1 ; Garima Bansal 22 Research Scholar, Department of Management Studies, Deenbandhu Chhotu Ram University of Science and Technology, Haryana, India.
Article Id - IJM_11_12_090, Pages : 1010-1020, Date of Publication : 17, December 2020
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Abstract
This paper aims to examine the mediating role of AC between the financial literacy (FL) level and financial wellbeing (FWB) of select individuals residing in National Capital Region of India. The sample study considers 476 conveniently selected individuals. The authors’ suggest that FL helps in enhancing financial knowledge and in developing skills of individuals so that they can compare and choose best finance oriented products and services which ultimately increase access to banking services. Thus, results demonstrate that without AC, FL alone can’t enhance the level of FWB among individuals residing in National Capital Region of India. No doubt, prior studies have explored association between FL and FWB; however, the mediating role of AC within this domain has remained unexplored. Findings will enable Governments and policymakers to target vulnerable groups and design financial strategies and policies to increase their FL level which increases their access to banking services which ultimately help in advancing the level of FWB. The study ignores the qualitative study through interviews. Further study focuses only on one dimensions of financial inclusion, thus ignoring other dimensions.
Keywords
Financial Knowledge, Financial Inclusion, Financial Access, Mediating Role, Financial Well-being
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References
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Fair Dealing - Authors and Publisher
When an author submits a manuscript for review at one of IAEME`s journals, the submitted manuscript should not have been previously published in any form and must not be currently under consideration for publication elsewhere. The manuscript should also not be submitted to any other journal during the review process at IAEME Publication. In case the review process at IAEME takes much longer than stated and the author wishes to end the review process at IAEME, he/she should get in contact with the Editorial Assistant of the journal at IAEME and come to an agreement suitable for both sides after looking at the stage of the manuscript in the review process.
With the APC specified above, the author is given an indication what the APC will be. IAEME is charging Publication Fees (APC) but not Submission Fees. This is to the benefit to authors because payments are only due once the author knows the manuscript is accepted. IAEME with editors and reviewers puts much effort in dealing with the manuscript and expects the authors to stick to the common plan of publishing the paper which is linked to payments of APC as given above at the end of the review process. The author is not legally bound at this time, but it would be seen as a strong breach of academic conduct to back off from the publication process. Once the manuscript is accepted for publication, IAEME will issue an invoice in the Paper Submission and Manuscript Tracking System. This is IAEME `s legal offer and will state the regular APC of the journal. The Corresponding Author is expected to arrange payments of the amount stated at this time. In severe cases IAEME `s Complaints Procedure can be followed and the result of this should be binding to the author.
Refund Policy
Once an article has been accepted for publication, any Article Processing Charges on the article become due. The submitting author accepts responsibility for the Article Processing Charges, and will not issue refunds of any kind except those payments made by mistake or in excess of the amount required.
The topics to be covered by this journal include but are not limited to the following fields:
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• Management Information System • History |
• Production and Operation Management • English • Social Science |