Research Article 2026-04-21 posted v1

Financial literacy among women: A systematic review and meta-analysis

H
Harshil Sharma Graphic Era (Deemed to be University)
D
Dr. Shipra Agarwal Graphic Era (Deemed to be University)
D
Dr. Amar Johri Saudi Electronic University

Abstract

The significance of financial literacy among women has gained increasing attention as a field of study due to its crucial importance in terms of economic welfare, empowerment, and economic independence. Herein, we present a dedicated bibliometric study on academic articles concerning women's economic literacy covering the period from 2015 to 2025 by employing data from the Scopus database. In this analysis, 1278 academic papers will be considered based on methodologies, such as Bibliometric (R package), VOS viewer, etc., in order to explore trends in the number of publications, primary researchers, affiliations of institutions, and global contributions. As per the co-occurrence analysis, there is strong correlation found in words like "financial literacy," "empowerment," "inclusion," and "retirement planning," suggesting that new research clusters are developing in these areas, addressing both policy and behavioural issues. The four major themes that have been identified through the current research include the inconsistency around the world regarding financial literacy and the necessity of proper schooling on the same, gender difference in the inclusion of finance and practices involved in personal finances, importance of financial literacy for empowerment of victims of domestic violence, and difficulties faced by women in retirement planning and preparation. Through the study, several conceptual relationships and research fronts in the topic have been identified. The study provides essential insights into the current gaps especially in digital finance, rural access, and implementation of policies that are needed for promoting financial literacy for women by adopting gender-responsive approaches.

Citation Information

@article{harshilsharma2026,
  title={Financial literacy among women: A systematic review and meta-analysis},
  author={Harshil Sharma and Dr. Shipra Agarwal and Dr. Amar Johri},
  journal={Research Square},
  year={2026},
  doi={https://doi.org/10.21203/rs.3.rs-9389489/v1}
}
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