Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Title A name given to the resource Faculty Publications Article Faculty Publications -Articles Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Creator An entity primarily responsible for making the resource Suresh, Gopal; Munuswamy, Jothi; Malliasamy, Prakash Title A name given to the resource Financial Socialisation, Decision-Making Power and Risk-Taking Behaviour of Rural Households: Moderating Mediation Analysis Date A point or period of time associated with an event in the lifecycle of the resource 01-01-2026 Source A related resource from which the described resource is derived SAGE Open;Volume;16;Issue;1; Identifier An unambiguous reference to the resource within a given context <a href="https://doi.org/10.1177/21582440261416975" target="_blank" rel="noreferrer noopener">https://doi.org/10.1177/21582440261416975</a> <br /><br /><a href="https://www.scopus.com/pages/publications/105030116964?origin=resultslist" target="_blank" rel="noreferrer noopener">https://www.scopus.com/pages/publications/105030116964?origin=resultslist</a> Coverage The spatial or temporal topic of the resource, the spatial applicability of the resource, or the jurisdiction under which the resource is relevant Suresh G., Symbiosis International (Deemed University), Bengaluru, India; Munuswamy J., Faculty of Management Sciences, Sri Ramachandra Institute of Higher Education and Research, Chennai, India; Malliasamy P., Christ (Deemed to be University), Bengaluru, India Description An account of the resource Financial socialisation (FS) plays a vital role in determining the financial decision-making power and risk-taking behaviour of rural households. The present study investigates the interplay between financial socialisation, gender, and marital status in shaping decision-making power and investment risk-taking behaviour. A quantitative approach was employed, with 312 survey responses collected via a cross-sectional survey method from rural investors in Karnataka and Tamil Nadu, India. Financial socialisation was assessed using adapted and validated items from prior studies, while trading frequency was a proxy for risk-taking behaviour. The moderated mediation framework (PROCESS Macro Model 8) was employed to investigate the interplay between the variables. Results show that FS significantly increases womens risk-taking behaviour, but this effect is partly reduced due to their lower decision-making power in rural patriarchal households. For men, the direct effect of financial socialisation on risk-taking behaviour is positive but weaker, with no mediation through decision-making power. Married individuals exhibit more conservative risk-taking behaviour than unmarried individuals due to familial responsibilities. The study also found that education and income do not significantly impact decision-making power, possibly reflecting deeper socio-cultural influences in rural settings. These findings imply that policymakers should design targeted financial literacy programmes to address gender disparities and cultural barriers to financial participation. By promoting inclusive financial socialisation, households can achieve more equitable decision-making processes and risk management, which will improve the financial well-being of rural communities. This study contributes to understanding financial socialisation within patriarchal contexts and offers insights into targeted financial empowerment initiatives. The Author(s) 2026. This article is distributed under the terms of the Creative Commons Attribution-NonCommercial 4.0 License (https://creativecommons.org/licenses/by-nc/4.0/) which permits non-commercial use, reproduction and distribution of the work without further permission provided the original work is attributed as specified on the SAGE and Open Access pages (https://us.sagepub.com/en-us/nam/open-access-at-sage). Subject The topic of the resource decision-making power; financial behaviour; financial socialisation; gender; risk-taking behaviour; rural household finance Publisher An entity responsible for making the resource available SAGE Publications Inc. Relation A related resource ISSN: 21582440; Language A language of the resource English Type The nature or genre of the resource Article Rights Information about rights held in and over the resource All Open Access; Gold Open Access; Green Open Access Format The file format, physical medium, or dimensions of the resource online