31, July 2025
Exploring financial behaviour and scheme awareness through chi-square analysis: evidence from rural Gujarat.
Author(s): Dr. Pinky Desai, Satyam Sahil
Authors Affiliations:
Head1 & Associate Professor of Economics Department
Final Year (4th year)2, Student of B.A Honours Economics Programme.
St. Xavier’s College (Autonomous), Ahmedabad, Gujarat, India
DOIs:10.2015/IJIRMF/202507056 | Paper ID: IJIRMF202507056Abstract
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Abstract:Â Â Â This study examines the financial behaviour, gender disparities and awareness of VKY[1] among tribal communities in Tapi district, Gujarat, using descriptive statistics and chi-square analysis. It investigates how awareness and income from VKY vary with education, age and gender, drawing on relevant economic and development theories to contextualise the findings. Based on primary data from 161 respondents, results reveal significant associations between education and income, age and scheme awareness and level of education and awareness with moderate effect sizes. The research concludes that bridging these gaps through financial literacy, simplified process and gender inclusive policy interventions is critical to achieving inclusive and sustainable rural transformation in tribal life in Gujarat.
While the scheme has fostered positive changes, targeted interventions are needed to address persistent gaps. VKY has the potential to improve conditions for the tribal populations in the Tapi district but further refinements are essential to fully realize its benefits.
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Keywords:Â Financial behaviour, sustainable development, Gender disparities, rural transformation and formal credit.
Dr. Pinky Desai, Satyam Sahil(2025); Exploring financial behaviour and scheme awareness through chi-square analysis: evidence from rural Gujarat., International Journal for Innovative Research in Multidisciplinary Field, ISSN(O): 2455-0620, Vol-11, Issue-7, Pp.388-400.     Available on –  https://www.ijirmf.com/