Financial Literacy as a Tool for Stimulating the Investment Behaviour of Rural Women: An Empirical Assessment

Clapping with two hands create the sounds. Similarly, investment and saving behaviour are considered as the most vital elements for economic growth of an individual. This paper is to evaluate the influence of financial awareness on saving and investment behaviour of rural females in India. Investment pattern serves as a link between savings and wants of the common people. Economic growth of any nation can be critically measured through capital accumulation and investment trends in financial markets. In the present study, the investment behaviour on effect of financial awareness of 335 rural women in Jalandhar district has been evaluated. The relationship of financial literacy and saving & investment behaviour is also evaluated in the context of five basic domains of financial behaviour, such as demographic variables, financial control, financial planning, financial product selection and financial literacy. Results of the study revealed that rural women are conscious about the availability of various investment avenues in the market, but their investment pattern is still followed by some factors like familiarity, safety and assured returns, etc. This study suggests policymakers to focus on financial awareness rather to focus only on financial literacy

Experimental Study of Sugarcane Bagasse Fiber with Rice Husk and Wood Powder Polymer Matrix Composite

This research examines the mechanical, morphological, and moisture assimilation of composite materials built up from sugarcane bagasse fiber (SBF), rice husk (RH), and wood powder (WP) filler. Regular threads are now regarded as eco-friendly materials because of their sustainability. This article’s goal is to choose between two polymer structures with fiber and matrix: case 1 has epoxy (50%) plus sugarcane bagasse fiber (30%–45%) and wooden powder (5%–20%); case 2 has epoxy (50%) plus sugarcane fiber (30%–45%) plus rice husk (5%–20%). The impact of the mechanical test is compared to obtaining the best fiber volume fraction (Vf), and the failure of cracked surfaces and interfacial bonding analysis is done using SEM as a consequence of matrix cracking, void content, and fiber pullout. In order to get the characterization of materials, Thermo-Gravimetric Analysis (TGA) and X-Ray Diffraction (XRD) analyses were also performed. However, Sugarcane Bagasse Fiber, a single fiber, combined with an epoxy composite matrix demonstrated a strength of 14 to 18 Mpa and 230 to 250 g of weight. Nevertheless, when SBF was combined with hybrid materials like Rice Husk and Wood Powder, it demonstrated superior strength, with an estimate of 16 to 20 Mpa and a weight of 220 to 240 g