International Journal For Multidisciplinary Research

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

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Financial Literacy and Saving Habits among Tribal Communities: An Empirical Study with Reference to Karnataka

Author(s) Ms. ANITHA K R, Mr. Ganesh Rajapure Rajapure, Ms. Dr. Licy K G
Country India
Abstract Financial literacy has become an essential factor in improving the economic well-being andfinancial security of individuals and communities. Tribal communities, despite variousgovernment initiatives and financial inclusion programs, continue to face challenges inaccessing formal financial services and developing effective saving habits. The present studyaims to examine the level of financial literacy and saving behaviour among tribal communitiesin Karnataka. The study focuses on awareness regarding banking services, savings schemes,digital financial services, and financial decision-making practices among tribal households.
The research adopts an empirical approach using primary data collected through structuredquestionnaires from selected tribal respondents. The study analyses the relationship betweensocio-economic factors such as education, income, occupation, and financial literacy withsaving habits. It also evaluates the influence of financial awareness on the adoption of formalsaving methods. The findings are expected to reveal that higher financial literacy positively
influences saving behaviour and financial inclusion among tribal populations.
The study provides valuable insights for policymakers, educational institutions, financialinstitutions, and government agencies to design effective financial education programs fortribal communities. It also contributes to the existing literature on financial literacy andinclusive economic development.
Keywords Financial Literacy, Saving Habits, Tribal Communities, Financial Inclusion, Banking Awareness, Digital Finance.
Field Sociology > Banking / Finance
Published In Volume 8, Issue 4, July-August 2026
Published On 2026-07-05
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E-ISSN 2582-2160
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CrossRef DOI prefix of IJFMR is 10.36948/ijfmr

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