UTILIZATION OF DIRECT BENEFIT TRANSFERS AND THEIR INFLUENCE ON WOMEN’S FINANCIAL INDEPENDENCE: A COMPARATIVE STUDY OF TWO STATE WELFARE SCHEMES
Direct Benefit Transfer (DBT), Women’s Financial Independence, Women Empowerment, Cash Transfer Schemes, Gruha Lakshmi Scheme, Kalaignar Magalir Urimai Thogai Scheme, Beneficiary Satisfaction, Decision-Making Power, Welfare Schemes, Karnataka and Tamil Nadu.
Direct Benefit Transfer (DBT) schemes have become an important policy tool for governments to deliver welfare benefits efficiently and directly to beneficiaries. Women-focused cash transfer schemes are particularly significant as they aim not only to provide financial support but also to enhance women’s financial independence and decision-making power within households. This study examines the utilization of direct benefit transfers and their influence on women’s financial independence by comparing two state welfare schemes: Gruha Lakshmi in Bengaluru (Karnataka) and Kalaignar Magalir Urimai Thogai in Tiruvallur (Tamil Nadu).
The research adopts a quantitative approach using primary data collected from beneficiaries through a structured questionnaire. Statistical techniques including the Independent Samples t-test and Simple Linear Regression were used to analyse beneficiary satisfaction with scheme implementation and to evaluate the impact of financial assistance on women’s decision-making power and financial independence.
The findings indicate that beneficiaries in both districts report similar levels of operational satisfaction regarding application procedures, payment regularity, and accessibility of the schemes. However, the financial assistance provided through these schemes shows limited statistical influence on women’s decision-making power and financial independence. The study highlights the importance of complementing financial support programs with broader empowerment initiatives such as financial literacy, employment opportunities, and skill development programs.
Registration ID: IJVRA_701645 Published ID: IJVRA2603345
"UTILIZATION OF DIRECT BENEFIT TRANSFERS AND THEIR INFLUENCE ON WOMEN’S FINANCIAL INDEPENDENCE: A COMPARATIVE STUDY OF TWO STATE WELFARE SCHEMES", IJVRA - International Journal of Versatile Research and Analysis (www.IJVRA.org), ISSN:2984-8903, Vol.4, Issue 3, page no.636-643, March-2026, Available :https://ijpub.org/ijvra/papers/IJVRA2603345.pdf
Paper Reg. ID: IJVRA_701645
Published Paper Id: IJVRA2603345
Research Area: Other area not in list
Country: Bengaluru, Karnataka, India
ISSN: 2984-8903 | IMPACT FACTOR: 9.12 Calculated By Google Scholar | ESTD YEAR: 2023
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