ANALYSIS OF ECONOMIC AND BEHAVIORAL FACTORS OF WOMEN'S FINANCIAL LITERACY IN THE CONTEXT OF SOCIAL MANAGEMENT
Abstract
The article provides a comprehensive analysis of economic and behavioral factors of women's financial literacy in modern society, focusing on their impact within the framework of social management. Women's financial literacy is a critical aspect of ensuring their economic autonomy, improving their social status, and reducing inequality in access to resources. The study covers various aspects that influence financial literacy: economic conditions such as wage levels, access to financial services, employment and social security conditions, as well as behavioral factors that include social norms, attitudes toward risk, and financial planning. The hypothesis is that women who have access to education and support in difficult financial situations have higher levels of financial literacy. In addition, the article examines the role of social management in implementing effective programs that help women improve their financial literacy. Examples of successful initiatives are considered, within which the need to integrate financial education into educational programs is identified, as well as the activation of social programs that contribute to increasing the level of
financial awareness. Based on the results of the study, recommendations are formulated for government agencies, non-governmental organizations, and commercial structures aimed at improving women's financial literacy. It has been established that improving the level of financial education contributes to changes in women's behavior regarding personal finance management, providing better conditions for the economic development of families and society as a whole. Thus, the article emphasizes the importance of financial literacy as a mean for feminist change in society that promotes women's economic independence. The study indicates that active measures to improve women's financial literacy can have a significant positive impact on the development of both individuals and society as a whole. The results of the study are valuable for further scientific developments in the field of social management and financial research, and can also be used to shape public policy.
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