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@article{179787,
        author = {Ravi Chavan and Rahul Joshi and Laxman Pawar},
        title = {A STUDY ON SAVING AND INVESTMENT HABITS OF PRIVATE PRIMARY SCHOOL TEACHERS IN VIJAYAPUR CITY},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {11},
        number = {12},
        pages = {8451-8455},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=179787},
        abstract = {This study explores the saving and 
investment habits of private primary school teachers 
in Vijayapur City, Karnataka. Faced with challenges 
such as modest incomes, limited job security, and 
minimal financial benefits compared to their 
government counterparts, these teachers represent a 
financially vulnerable yet significant segment of the 
education sector. The research aims to understand 
their financial behavior, including saving patterns, 
investment preferences, and the factors influencing 
their decisions. Using a structured questionnaire and a 
sample of 100 teachers selected through random 
sampling, the study employs descriptive statistics and 
t-tests to analyze the data. 
Findings reveal that a majority of teachers regularly 
save a portion of their income and prioritize saving for 
future financial goals such as education, emergencies, 
and retirement. They tend to favor traditional, low
risk saving methods like bank accounts, fixed deposits, 
and insurance policies over modern or high-risk 
investments. While many teachers seek expert advice 
and have some awareness of investment options, 
income constraints and limited financial literacy 
emerge as significant barriers to more diversified 
financial planning. The study concludes that while 
private primary school teachers in Vijayapur exhibit 
positive saving and investment habits, there is a 
pressing need for financial literacy programs and 
tailored financial products to enhance their economic 
stability and security. These insights can help 
policymakers and financial institutions design targeted 
interventions to support this important group of 
educators},
        keywords = {Saving habits, Investment habits, Private  school teachers, Vijayapur City, Financial literacy,  Income constraints, Low-risk investment, Financial  planning.},
        month = {May},
        }