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    <name>PhD</name>
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          <name>Title</name>
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              <text>Financial Literacy and Financial Capability among the Urban Street Vendors  </text>
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              <text>Commerce</text>
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              <text>Employment in the informal sector has grown rapidly over the years as it requires a limited skill set, limited educational background, and least initial investment. One such vulnerable sector which forms the major portion of the informal workforce is the street vendors. They lack basic facilities to newlinehave a good standard of living. It is observed that they are usually denied newlinevarious opportunities though their contribution to the economic growth and newlinedevelopment is immense. Their unstable income has left them vulnerable to many financial situations and led them into a financial debt trap. This research is carried out entirely from the view of the street vendors. newlineFinancial literacy has gained importance over the years as it enhances and empowers one s financial ability. Financial literacy is promoted through financial inclusion where all the sections of the society come under one roof to avail finance at ease. Basic financial literacy is will aid the users to newlinemake better utilization of financial schemes under financial inclusion. This in turn leads to better financial capability for individuals. It is observed that there is a gap that needs to be bridged between the street vendors and financial accessibility as they lack basic financial knowledge as are from a low educational background in this study. Better financial knowledge will newlinelead to better usage and accessibility of financial inclusion schemes which will result in better financial capability; this concept is being examined in the current study. The identified relationship impact of financial inclusion on financial literacy and financial capability forms an integral part of the study. It is useful in bringing out the gap between the street vendors and their financial distress. The research was designed to develop an instrument. A research instrument to measure variables was built based on previous studies and the expert s newlineconsultation.</text>
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              <text>S, Nikitha Neelappa.</text>
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              <text>Christ(Deemed to be University)</text>
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              <text>2022-01-01</text>
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              <text>C, Karthigai Prakasam</text>
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              <text>Open Access</text>
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              <text>&lt;a href="http://hdl.handle.net/10603/453677" target="_blank" rel="noreferrer noopener"&gt;	http://hdl.handle.net/10603/453677&lt;/a&gt;</text>
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