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International Journal of Creative and Open Research in Engineering and Management

A Peer-Reviewed, Open-Access International Journal Supporting Multidisciplinary Research, Digital Publishing Standards, DOI Registration, and Academic Indexing.
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ISSN: 3108-1754 (Online)
Crossref DOI: Available
ISO Certification: 9001:2015
Publication Fee: 599/- INR
Compliance: UGC Journal Norms
License: CC BY 4.0
Peer Review: Double Blind
Volume 02, Issue 02

Published on: February 2026

EFFICACY OF DEMOGRAPHIC FACTORS ON THE FINANCIAL LITERACY LEVELS AMONG ACADEMICIANS IN BENGALURU

Rashmi N

Dr. S Sriranjani Mokshagundam

SJB College of Management Studies University of Mysore Bengaluru
DOI:https://doi.org/10.55041/ijcope.v2i2.015

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Abstract

Financial literacy has emerged as a critical determinant of individual financial well-being and informed economic decision-making. While academicians are presumed to possess higher cognitive and analytical abilities, variations in their financial literacy levels may be influenced by demographic characteristics. The present study examines the efficacy of demographic factors namely age, gender, educational qualification, teaching experience, income level, and field of specialization on financial literacy levels among academicians in Bengaluru. A structured questionnaire was administered to 150 respondents selected through purposive sampling. Financial literacy was measured across knowledge, behavior, and attitude dimensions. Descriptive statistics, independent sample t-tests, ANOVA and multiple regression analysis were employed. The findings indicate that income level, age, gender and teaching experience significantly influence financial literacy whereas the specialization was statistically insignificant. The study contributes to the growing literature on professional financial literacy and offers policy implications for targeted financial education initiatives within academic institutions.

How to Cite this Paper

N, R. (2026). Efficacy of Demographic Factors on the Financial Literacy Levels among Academicians in Bengaluru. International Journal of Creative and Open Research in Engineering and Management, <i>02</i>(02). https://doi.org/10.55041/ijcope.v2i2.015

N, Rashmi. "Efficacy of Demographic Factors on the Financial Literacy Levels among Academicians in Bengaluru." International Journal of Creative and Open Research in Engineering and Management, vol. 02, no. 02, 2026, pp. . doi:https://doi.org/10.55041/ijcope.v2i2.015.

N, Rashmi. "Efficacy of Demographic Factors on the Financial Literacy Levels among Academicians in Bengaluru." International Journal of Creative and Open Research in Engineering and Management 02, no. 02 (2026). https://doi.org/https://doi.org/10.55041/ijcope.v2i2.015.

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References


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  • •All submissions are screened under plagiarism detection.
  • •Review follows editorial policy.
  • •Authors retain copyright.
  • •Peer Review Type: Double-Blind Peer Review
  • •Published on: Feb 28 2026
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