International Journal For Multidisciplinary Research

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

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

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Volume 8 Issue 2
March-April 2026

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Cooperative Participation and Women’s Empowerment in Rural India: Examining the Mediating Roles of Financial Literacy and Access to Credit through a Structural Equation Modelling Approach

Author(s) Dr. Nagendra N
Country India
Abstract This study examines the impact of cooperative participation on women’s empowerment in rural India, with a particular focus on the mediating roles of financial literacy and access to credit. Drawing on a quantitative research design, primary data were collected from 350 women members of cooperative societies using a structured questionnaire. The study employs Structural Equation Modelling (SEM) using AMOS to analyze both direct and indirect relationships among the constructs. The findings reveal that cooperative participation has a significant positive effect on women’s empowerment. Financial literacy and access to credit also significantly influence empowerment and act as important mediating variables. The mediation analysis indicates partial mediation, suggesting that while cooperative participation directly enhances empowerment, its impact is strengthened through improved financial knowledge and access to financial resources. The study contributes to the literature by providing a multi-dimensional and mechanism-based understanding of women’s empowerment within the cooperative sector. It also offers practical implications for policymakers and cooperative institutions to enhance empowerment outcomes by integrating financial literacy initiatives and improving access to credit. Overall, the study highlights that empowerment is a complex process driven by both institutional participation and individual capabilities.
Keywords Women Empowerment; Cooperative Participation; Financial Literacy; Access to Credit; Structural Equation Modelling
Field Sociology
Published In Volume 8, Issue 2, March-April 2026
Published On 2026-04-17
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E-ISSN 2582-2160
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