This
study examines the savings and investment behaviour of women agricultural
labourers in the Coimbatore District of Tamil Nadu. Women agricultural
labourers form a critical segment of the rural workforce, yet their financial
practices are under-researched. With an empirical sample of 350 respondents,
the study explores their income levels, savings patterns, investment
preferences, access to financial services, and factors influencing their
financial decisions. Both primary and secondary data were collected using
structured questionnaires and interviews. The study reveals that while the majority
of women labourers save regularly, their investment choices are limited and
often influenced by informal channels such as self-help groups (SHGs),
moneylenders, and household obligations. Institutional barriers, limited
financial literacy, and low disposable income restrict formal investment
behaviour. Statistical techniques such as percentage analysis, weighted
ranking, and chi-square tests were used to analyse the data. The findings
emphasize the importance of targeted financial inclusion strategies, strengthened
access to formal credit, and financial literacy programs tailored to women
agricultural labourers. This paper outlines policy suggestions to enhance
savings mobilization and promote long-term investment avenues that improve
economic stability and empowerment among women workers in the agricultural
sector.
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