International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

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Volume 8 Issue 2
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Determinants of Financial Planning Intention and Investment Behaviour among Women Micro-Entrepreneurs: An Extension of the Theory of Planned Behaviour

Author(s) Prof. Swapna N.S, Prof. Balachandramurthy E
Country India
Abstract Women micro-entrepreneurs play a crucial role in strengthening local economies; however, the sustainability of their enterprises largely depends on effective financial planning. This study examines the determinants of Financial Planning Intention (FPI) among women micro-entrepreneurs by applying the Theory of Planned Behaviour (TPB). Specifically, it investigates the influence of Attitude towards Financial Planning (AFP), Perceived Behavioural Control (PBC), and Perceived Constraints (PC) on financial planning intention and its subsequent effect on investment behaviour. Using a quantitative research design, data were collected through a cross-sectional survey and analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The results reveal that both PBC and AFP exert a strong and statistically significant influence on FPI, whereas perceived constraints do not show a meaningful effect. These findings suggest that financial planning among women micro-entrepreneurs is driven more by internal capabilities, confidence, and awareness than by external barriers. The study extends TPB by highlighting the role of resilience and self-efficacy in entrepreneurial finance and offers practical insights for policymakers, financial institutions, and development agencies aiming to strengthen women’s financial decision-making capacity.
Keywords Financial Planning Intention; Women Micro-Entrepreneurs; Theory of Planned Behaviour; Perceived Behavioural Control; Investment Behaviour
Field Sociology > Banking / Finance
Published In Volume 8, Issue 2, March-April 2026
Published On 2026-04-12
DOI https://doi.org/10.36948/ijfmr.2026.v08i02.74441
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