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Archives Volume-13, Issue-2, Year-2026 ( july- dec)

TABLE OF CONTENTS

Paper Title:
FINANCIAL LITERACY AND POCKET MONEY MANAGEMENT AMONG COLLEGE STUDENTS: A CASE STUDY OF GOVT. DANTESHWARI PG COLLEGE, DANTEWADA
Author Name:
TUMESHWAR , RAMESHWAR MANDAVI & SURAJ SAHU
Country:
India
DOI:
https://doi.org/10.5281/zenodo.21424676
Page No.:
1-8
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FINANCIAL LITERACY AND POCKET MONEY MANAGEMENT AMONG COLLEGE STUDENTS: A CASE STUDY OF GOVT. DANTESHWARI PG COLLEGE, DANTEWADA
Author: TUMESHWAR , RAMESHWAR MANDAVI & SURAJ SAHU

ABSTRACT
This research paper presents a comprehensive analysis of the financial literacy levels, income sources, and pocket money management strategies among students at Government Danteshwari PG College, Dantewada, in the Bastar region. The study uniquely captures a tribal-dominated demographic, where 69.2% of the 104 respondents belong to the Scheduled Tribe (ST) category. Through rigorous primary data analysis, the study reveals that while theoretical financial confidence is high, practical execution falters. The transition to frictionless digital payments (with 57.7% primarily using UPI) has catalyzed impulsive buying behavior, significantly escalating expenditures even among those who claim immunity to peer pressure. Additionally, a Chi-Square test (χ² = 10.64, p = 0.1002, df = 6) at a 90% confidence level is statistically suggestive but not significant regarding the link between ‘self-earned income’ and ‘financial discipline,’ lending support to Richard Thaler’s Mental Accounting theory. Despite behavioral gaps, a highly positive trend emerges with 94.2% of students exhibiting saving habits, highlighting a latent drive for self-reliance and future financial planning.

Keywords: Financial literacy, pocket money management, digital payments, impulsive buying, financial discipline, Mental Accounting, Behavioral Economics, tribal demographics.

Paper Title:
THE ROLE OF ECONOMIC CONDITIONS AND CENTRAL–STATE GOVERNMENT HEALTH SCHEMES IN SHAPING HEALTH AND MEDICAL INSURANCE ADOPTION IN PUNJAB A Quantitative Study of Economic Capaci
Author Name:
Amanpreet Singh , Navneet Seth
Country:
India
DOI:
https://doi.org/10.5281/zenodo.21550751
Page No.:
9-18
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THE ROLE OF ECONOMIC CONDITIONS AND CENTRAL–STATE GOVERNMENT HEALTH SCHEMES IN SHAPING HEALTH AND MEDICAL INSURANCE ADOPTION IN PUNJAB A Quantitative Study of Economic Capaci
Author: Amanpreet Singh , Navneet Seth

ABSTRACT
Health-insurance adoption is shaped by the interaction of financial capacity, institutional support and consumers’ evaluations of insurance services. This study examines the role of household economic conditions and central–state government health schemes in influencing health and medical insurance adoption in Punjab. A quantitative, explanatory, cross-sectional design was used. Primary data were collected between February and November 2025 from respondents in Ludhiana, Jalandhar, Bathinda and Ferozepur. Of 1,136 questionnaires distributed, 522 responses were received and 453 valid responses were retained for analysis; 358 responses were collected face-to-face and 95 online. The questionnaire measured economic conditions, government health-scheme awareness and perceived usefulness, insurance awareness, service accessibility, premium cost, trust, customer satisfaction, perceived value and health-insurance adoption using five-point Likert-scale items. Structural equation modelling was used to examine the hypothesised relationships, supplemented by reliability and validity assessment, mediation analysis, moderation analysis and predictive validation. The results reported in the study indicate that economic conditions and government health schemes are positively associated with health-insurance adoption. Premium cost negatively affects customer satisfaction, whereas insurance awareness, accessibility and trust positively influence satisfaction. Customer satisfaction is positively associated with adoption, and perceived value strengthens the relationships between awareness and trust and customer satisfaction. The findings suggest that expanding health-insurance participation requires more than increasing product availability. Affordability, effective public schemes, accessible delivery, transparent administration and trust-building are jointly important for improving adoption in Punjab.

Keywords: health-insurance adoption; economic conditions; affordability; government health schemes; Punjab; customer satisfaction; perceived value; structural equation modelling.

Paper Title:
TRANSFORMING LIVES LOCALLY: THE IMPACT OF MICROFINANCE IN RURAL AREAS OF ASSAM
Author Name:
Ruli Daulagupu , Papiya Dutta
Country:
India
DOI:
https://doi.org/10.5281/zenodo.21670395
Page No.:
19-23
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TRANSFORMING LIVES LOCALLY: THE IMPACT OF MICROFINANCE IN RURAL AREAS OF ASSAM
Author: Ruli Daulagupu , Papiya Dutta

INTRODUCTION
Microfinance refers to the provision of financial services such as small loans (microcredit), savings, insurance, and payment facilities to low-income individuals or groups who typically lack access to conventional banking services. These services are often tailored to the capacities and needs of rural populations, who face geographic, economic, social, and infrastructural constraints that limit their access to formal financial systems.
Rural areas often have features such as low population density, scattered settlements, dependence on agriculture, seasonal and unpredictable incomes, weak infrastructure (roads, power, internet), and sometimes low literacy and financial awareness. In such contexts, traditional banks frequently consider lending to small or remote clients unprofitable or too risky (due to the lack of collateral, high transaction costs, information asymmetry etc.). Microfinance institutions (MFIs), non-profit organizations, cooperative societies, and self-help group (SHG) models have sought to bridge this gap.

Paper Title:
CUSTOMER ADOPTION OF FINANCIAL TECHNOLOGY AND INVESTMENT DECISION-MAKING; AN EMPIRICAL INVESTIGATION
Author Name:
Murugesan S , P. Ayyappan
Country:
India
DOI:
https://doi.org/10.5281/zenodo.21790288
Page No.:
24-32
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CUSTOMER ADOPTION OF FINANCIAL TECHNOLOGY AND INVESTMENT DECISION-MAKING; AN EMPIRICAL INVESTIGATION
Author: Murugesan S , P. Ayyappan

ABSTRACT
The rapid advancement of financial technology (FinTech) has transformed the way individuals and businesses access financial services. Digital innovations such as mobile banking, robo-advisors, peer-to-peer lending, blockchain, digital wallets, and artificial intelligence have significantly influenced customer financial behavior and investment decision-making. FinTech has increased financial accessibility, reduced transaction costs, improved investment efficiency, and enabled data-driven financial decisions. However, concerns regarding cybersecurity, privacy, technological complexity, and regulatory uncertainty continue to affect customer adoption. The article examines the relationship between customer adoption of financial technology and investment decision-making by exploring key adoption theories, influencing factors, benefits, challenges, and future trends. A sample size of 100 respondents is selected using convenience sampling technique.The required primary data has been collected from the respondents using Google forms. The discussion highlights how customer trust, perceived usefulness, ease of use, financial literacy, and technological innovation shape investment behavior in the digital era.

Keywords: Financial Technology, FinTech Adoption, Investment Decision-Making, Digital Finance, Customer Behavior and Financial Literacy.

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