Women’s Financial Decision-Making and Sustainable Investment: Analyzing Experience, Literacy, and Socio-Economic Influences in Delhi NCR

DOI

10.2991/978-94-6463-872-1_16How to use a DOI?

Keywords

Women’s Financial Literacy; Sustainable Investment; Behavioral Finance; Financial Inclusion; Socio-Economic Factors; Investment Decision-Making; Gender & Finance; Mindful Investing; Financial Resilience; FinTech Solutions

Abstract

Financial decision-making among women is a crucial factor in pro-moting sustainable investment and economic resilience. This study examines how financial literacy, investment experience, and socio-economic factors influence women’s ability to make mindful and sustainable investment decisions in Delhi NCR. By analyzing key determinants and barriers, the research aims to propose strategies for fostering financial inclusion, resilience, and sustainable value creation among women investors. This study employs a mixed-method research approach, integrating quantitative surveys (n=373) and qualitative interviews (n=12) with women investors, financial advisors, and policymakers. The research framework is grounded in behavioral finance theories and financial literacy models, assessing their impact on sustainable investment choices. Data is analyzed using regression analysis, structural equation modeling (SEM), and thematic analysis to evaluate the interplay of literacy, experience, and socio-economic variables on women’s financial behavior. Preliminary findings suggest that women with higher financial literacy and investment experience are more likely to adopt sustainable and diversified investment portfolios. However, socio-economic barriers, including income disparities, family influence, and limited access to financial education, constrain mindful investment decisions. The study identifies the role of fintech solutions, government initiatives, and policy-driven financial inclusion in empowering women toward long-term wealth creation. The study offers policy recommendations for financial institutions, government bodies, and fintech startups to develop gender-inclusive investment models. It highlights the need for targeted financial literacy programs, digital investment platforms, and regulatory support to bridge gender gaps in investment. By integrating sustainability principles into women’s financial decision-making, this research aligns with global financial resilience and inclusion agendas. It contributes to the discourse on sustainable economic growth, gender empowerment, and innovative finance models, reinforcing the role of women as key drivers of financial sustainability and market resilience.

Copyright

© 2025 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Download article (PDF)

TY  - CONF
AU  - Geetanjali Kapur
AU  - Swati Shrivastava
AU  - Nitish Kumar Minz
PY  - 2025
DA  - 2025/11/04
TI  - Women’s Financial Decision-Making and Sustainable Investment: Analyzing Experience, Literacy, and Socio-Economic Influences in Delhi NCR
BT  - Proceedings of the 2nd International Conference on Sustainable Business Practices and Innovative Models (ICSBPIM-2025)
PB  - Atlantis Press
SP  - 203
EP  - 224
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-872-1_16
DO  - 10.2991/978-94-6463-872-1_16
ID  - Kapur2025
ER  -