Financial Literacy for Empowering Marginalized People in Nepal

Ramesh Prasad Chaulagain


By empowering the individuals, the society is possible to change and transform. However, empowerment has several facets to understand and several ways to implement. Providing financial knowledge and skill to the individuals is one of the ways of empowering the individuals. Previous studies conclude that financial knowledge and skill help people to change their financial attitude, behavior and well-being. The theories of behavioral study also show that the behavior of the individuals are subject to change their knowledge, skill and attitude. Similarly, the agenda of empowerment and transformation are relative, contextual and dynamic in nature. This study concludes that empowerment is one of the prime concerns of those people who are still marginalized and excluded from the mainstream of societies from several aspects. The paper stands on the assumption that the financial literacy simply works all around the place in the similar degree and directions. This approach believes that financial literacy is more relevant for the marginalized people and one of the tools of national development through empowering the marginalized and excluded people. The paper follows the methodology of desk review.

Keywords: financial literacy, empowerment, marginalized people

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