GENDER DISPARITIES IN FINANCIAL LITERACYAMONG UNIVERSITY LEVEL STUDENTS

Abstract

The major objective of this study was to determine gender disparities in financial
literacy among university level students. Primary data were collected by using the
random sampling method across KPK. A total of 300 self-administered questionnaires
were distributed among the students and 250 questionnaires were returned. The
response rate was eighty four percent which was quite satisfactory. The results of the
study found that female respondents enrolled both in colleges and universities have
greater talent in saving, financial records, time value of money, use of study loan and
manage daily expenses as compares to male students whereas male students have
greater skills in future needs, financial goals, investment and general knowledge on
personal finance than female students. Based on total mean score, findings showed that
overall male students have more knowledge about financial literacy than female
students in KPK.