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13 articles for “Household finance”
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A Study of Gender-Based Differences in Household Finance Decisions and Consumer Behavior
Abstract: This study examines gender-based differences in household financial decision-making and consumer behavior in urban India. Household finance decisions, such as saving, spending, investment, and credit usage, are influenced not only by economic factors but also by behavioral and psychological attributes, which often vary across genders. The study adopts a quantitative and analytical research design based on primary data collected from urban households. A structured questionnaire was used to collect data …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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Detecting Financial Vulnerability in Urban Households Using Machine Learning: A Predictive Model for Early Risk Identification
Abstract: Urban households in an emerging economy are facing financial vulnerability which is a growing socioeconomic concern and usually does not notice the traditional credit evaluation methods. This study proposes a machine learning-based model that will predict an early warning of financial vulnerability by integrating both behavioral and socioeconomic factors. A structured questionnaire was used to collect primary data comprising of 328 urban households with Indians. After data preprocess and feature …
Published in NOLEGEIN Journal of Operations Research & Management · Vol. 9, Issue 2, 2026 Read article
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Impact of User Perceptions on Digital Financial Service Usage: Evidence from Rural Households in the Saurashtra Region
Abstract: The rapid expansion of digital financial services (DFS) has improved financial inclusion, particularly in developing economies like India. However, despite better access, their actual use among rural populations remains uneven. This study explores how user perceptions influence the adoption of digital financial services among rural households in the Saurashtra region. Using a quantitative approach, primary data were collected from 275 respondents. The analysis focused on three key perception-based factors—perceived usefulness …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 9, Issue 2, 2026 · pp. 9–23 Read article
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Assessing the Role of Microfinance in Enhancing Economic Empowerment and Business Development for Rural Women in India
Abstract: This study explores the role of micro-finance in strengthening economic empowerment and supporting business development among women in rural regions of India. Despite their active participation in household and agricultural activities, rural women often face limited access to formal financial systems, restricting their ability to engage in entrepreneurial ventures. Drawing on case studies and quantitative evidence collected from various micro-finance initiatives, the research examines how small-scale credit, savings facilities, and …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 9, Issue 1, 2026 · pp. 61–65 Read article
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Utilization of Capitals by Households Living in Internally Displaced Persons Camps in North East, Nigeria
Abstract: Households living in Internally Displaced Persons (IDPs) Camps face socio-economic challenges and it affects their livelihood activities particularly the weak households. This study investigates the utilization of capital by households living in IDPs camps in North East Nigeria. The research utilized quantitative methodology with cross-sectional as its research design to investigate the utilization of capitals by households living in the IDPs camps. The sample size for this study was 210 …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 6, Issue 1, 2023 · pp. 1–12 Read article
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The Role of Microfinance in India and Challenges Faced by IT
Abstract: NABARD (National Bank for Agriculture and Rural Development) has defined microfinance as the provision of thrift, credit, and any other type of financial services and products of very small amount basically for the poor people in rural, semi-urban or urban areas and this provision is for enabling these people to raise their level of income and standard of living. Microfinance is a range of financial services which helps small scale …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 2, Issue 2, 2019 · pp. 14–23 Read article
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A Study on Household Women’s Preference Towards Basic Computer Literacy in Gudalur Town
Abstract: In today’s digital world, basic computer literacy is essential for social, educational, and economic development. However, many household women, especially in semi-urban and rural areas, face challenges in accessing digital education due to financial constraints, time limitations, lack of awareness, and societal factors. This study aims to analyze the preferences, awareness, and barriers faced by household women in Gudalur Town regarding basic computer literacy. The purpose of the study is …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 8, Issue 2, 2025 · pp. 1–8 Read article
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Behavioural Finance: An Indian Perspective
Abstract: Conventional finance has long rested on the premise of fully rational agents operating in efficient and frictionless markets, where all available information is instantly reflected in asset prices and investment decisions are made to maximize expected utility. However, a substantial body of empirical evidence has challenged these assumptions, revealing that investors frequently deviate from rational behaviour due to cognitive limitations, emotions, and psychological biases. Behavioural finance emerged as an alternative …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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Micro Finance and Poverty Eradication in India
Abstract: The study examines the role of micro finance Institutions and global acceptance. This paper is focused on The study the Micro finance Institutions in India, To find out Challenges facing by Indian microfinance sector, To understand the progress of SHGs in Micro Finance, To study the relationship between Micro finance and poverty. It concludes that in order to expand the outreach of microfinance and establish best practices, with the help …
Published in NOLEGEIN Journal of Operations Research & Management · Vol. 2, Issue 1, 2019 · pp. 10–13 Read article
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Analysis of the Economic Status of Beneficiaries of the E-Nirman Scheme (In the Context of Bhavnagar District)
Abstract: Government welfare schemes play a vital role in strengthening the economic condition of socially and economically disadvantaged sections of society. In this context, the E-Nirman scheme introduced by the Government of Gujarat for construction workers represents an important initiative aimed at improving their socio-economic well-being. The scheme provides various welfare benefits such as financial assistance, insurance coverage, health support, and educational aid, with the objective of enhancing the living standards …
Published in NOLEGEIN Journal of Operations Research & Management · Vol. 9, Issue 1, 2026 · pp. 30–36 Read article
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The effect of inflation on consumer spending patterns
Abstract: Inflation is a critical economic phenomenon that influences consumer spending behaviors, with significant implications for policymakers, businesses, and consumers alike. This research investigates the effects of inflation on consumer spending patterns, focusing on how different demographic groups adjust their consumption decisions in response to rising prices. Employing a mixed-methods approach, the study combines quantitative analysis of data from the Bureau of Labor Statistics (BLS) and the Federal Reserve Economic Data …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 2, 2024 · pp. 110–115 Read article
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A Study of Ratio Analysis of Hindustan Unilever Limited (HUL)
Abstract: Hindustan Unilever Limited (HUL) has been considered the largest FMCG company in India. In our country, many Indian households have been using many products of the HUL brand, and this gives them unique opportunities for becoming better day by day. HUL is known for its unique and great brands, the positive social impact Hindustan Unilever creates, and their belief in doing business the positive and right way. In this study, …
Published in NOLEGEIN Journal of Performance Management & Retention Strategies · Vol. 5, Issue 2, 2022 · pp. 7–16 Read article
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Role of Artificial Intelligence in Strengthening Self-Help Groups (SHGs) andMicrofinance Institutions in Rural India: A Systematic Review of Literature
Abstract: India's Self-Help Group (SHG) ecosystem is the largest microfinance model in the world, covering over 17.75 crore households as of March 2024 and representing 83.52% women-only groups. Despite this remarkable scale, SHGs and Microfinance Institutions (MFIs) in rural India continue to grapple with chronic inefficiencies: poor recordkeeping, high loan default rates, geographic exclusion, language barriers, and the persistent gap between savings-linked and credit-linked groups. Artificial Intelligence (AI) has emerged as …
Published in NOLEGEIN Journal of Leadership and Strategic Management · Vol. 9, Issue 2, 2026 Read article