Knowledge, Attitude and Practices of Financial Literacy and Management among Household Women in Lahore


  • Kiran Ikram Lecturer of Sociology, Lahore College for Women University, Pakistan
  • Zain Khadija Lecturer Gender and Development Studies, Lahore College for Women University, Pakistan
  • Tayyaba Sohail Assistant Professor of Sociology, University of Home Economics, Lahore, Pakistan



Financial Management, Financial Literacy, Financial Inclusion, Financial Education, Household Women, Married Women, Non-working women


Financial literacy is a knowledge and skill set to maintain the finances in one’s life including spending, saving, budgeting, and maintaining current and future wealth. Many women in Pakistan have direct access to money due to their participation in the active labour market but on the other side, a huge number of women still do not have their earned and personal income. The existing literature does not highlight any significant findings about household women’s financial inclusion, financial management, and literacy. Financial literacy and management are associated with an individual’s well-being. Non-working married women face and confront many intersectional challenges in financial inclusion and autonomous decision-making in Pakistan. Thus, the current study aims to explore the financial literacy of household women in Lahore. The study utilizes a qualitative research method to collect data from a sample of 15 non-working married women. The collected data were analyzed using thematic analysis to identify themes and patterns related to financial literacy among the participants. The findings of this study provide insights into financial literacy and highlight the importance of financial literacy. Major themes were knowledge and access to money, sources of money, spending and saving patterns, and decision-making. It sheds light on the socio-cultural barriers hindering financial autonomy among household women. The study underscores the critical need for targeted financial education programs to empower non-working married women and resilience in Lahore.


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How to Cite

Kiran Ikram, Zain Khadija, & Tayyaba Sohail. (2024). Knowledge, Attitude and Practices of Financial Literacy and Management among Household Women in Lahore. Contemporary Issues in Social Sciences and Management Practices, 3(2), 1–13.




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