Investment Behaviour of Rural Working Women: A Study with Special Reference to Nagaon District, Assam

Authors

DOI:

https://doi.org/10.31305/rrijm.2025.v10.n9.003

Keywords:

Investment Behaviour, Rural Working Women, Financial Literacy, Investment Preferences

Abstract

This study examines the investment behaviour of rural working women in Nagaon district of Assam, with a focus on their preferences, influencing factors, and awareness levels. Primary data were collected from 150 respondents through a structured questionnaire, and analysis was conducted using percentages and the Chi-square test. Findings reveal that savings accounts are the most preferred investment avenue, followed by insurance and recurring deposits, reflecting a preference for safety and liquidity. Awareness of modern instruments like mutual funds and PPF/NSC remains very low. The study highlights the need for financial literacy and policy measures to promote diversified investments.

Author Biography

Amio Bora, Assistant Professor (Contractual), Department of Commerce, Rupahi College, Rupahi, Nagaon

Amio Bora received his Bachelor of Commerce degree with a specialization in Accountancy from Nowgong College (2018–2021). He pursued his Master of Commerce with specialization in Accountancy and Finance from the Department of Commerce, Gauhati University (2021–2023). Since 2024, he has been serving as an Assistant Professor (Contractual) in the Department of Commerce at Rupahi College, Assam. His academic interests include financial inclusion, digital banking, investment behavior, and rural finance. He is actively engaged in research on financial literacy and digital financial services, particularly focusing on rural households in Assam.

References

Verma, R. (2007). Savings, investment and economic growth in India: An analysis of time series data (1950–51 to 2003–04). Journal of Indian Economic Studies, 54(3), 45–62.

Krishnamoorthy, R. (2008). Investment awareness and satisfaction of the salaried class: A study. Indian Journal of Finance and Banking, 12(2), 89–101.

Anag, B. T., Dwuda, L., & Imoro, L. (2015); Determinants of saving habit among clients of Bonali Rural Bank in the Tolon Kumbungu District of Ghana. Research Journal of Finance and Accounting, 6(14), 45–52.

Shwetha, & Swathi, U. (2020); Saving and investment habits of women in rural area with reference to rural areas of Udupi District. International Journal of Management and Commerce Innovations, 8(2), 345–352.

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Published

15-09-2025

How to Cite

Bora, A. (2025). Investment Behaviour of Rural Working Women: A Study with Special Reference to Nagaon District, Assam. RESEARCH REVIEW International Journal of Multidisciplinary, 10(9), 18–23. https://doi.org/10.31305/rrijm.2025.v10.n9.003