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This study investigated the effects of financial literacy, saving behavior, and financial management, on retirement confidence of young- and middle-adult working women in India, specifically women aged 21 to 51 from various educational and occupational backgrounds. Although the results show that financial literacy is of lesser importance than saving behavior and financial management, a combination of all three is necessary to build retirement confidence. Together, they provide greater financial readiness for women. This has ramifications for financial planners, policy-makers and educators, who can develop targeted initiatives in line with SDG 8 (Decent Work and Economic Growth) to assist women’s retirement planning. The paper also connects this topic to the wider agenda of ESG (Environmental, Social and Governance) goals and the UN SDGs, particularly SDG 5 (Gender Equality) and SDG 8. It illustrates how corporates can focus on systemic barriers faced by women by providing inclusive retirement plans, financial literacy, equal pay and workplace policies. As such, they can help empower women while maximizing ESG performance and building inclusive, sustainable development.

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Empowering Women’s Financial Security Through ESG- SDG Alignment

  • 章节

  • 发表日期：

    2026年

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  • Tarika Singh Sikarwar,
  • Nidhi Jain,
  • Firdous Ahmad Malik,
  • Shafali Mangal

摘要

This study investigated the effects of financial literacy, saving behavior, and financial management, on retirement confidence of young- and middle-adult working women in India, specifically women aged 21 to 51 from various educational and occupational backgrounds. Although the results show that financial literacy is of lesser importance than saving behavior and financial management, a combination of all three is necessary to build retirement confidence. Together, they provide greater financial readiness for women. This has ramifications for financial planners, policy-makers and educators, who can develop targeted initiatives in line with SDG 8 (Decent Work and Economic Growth) to assist women’s retirement planning. The paper also connects this topic to the wider agenda of ESG (Environmental, Social and Governance) goals and the UN SDGs, particularly SDG 5 (Gender Equality) and SDG 8. It illustrates how corporates can focus on systemic barriers faced by women by providing inclusive retirement plans, financial literacy, equal pay and workplace policies. As such, they can help empower women while maximizing ESG performance and building inclusive, sustainable development.