Copyright © 2026 Authors retain the copyright of this article. This article is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

@article{196422,
        author = {Ms. K.SUNITHA and R.RADHA and B.SUNANDA},
        title = {YOUTH EMPOWERMENT THROUGH FINANCIAL AND ENTREPRENEURIAL LITERARCY: PROGRAMMES AND IMPACT},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {11},
        pages = {3054-3060},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=196422},
        abstract = {The persistent challenge of global youth unemployment and economic instability has necessitated a shift from traditional employment models toward self-reliance and innovation. This paper examines the transformative impact of financial and entrepreneurial literacy programs as primary instruments for youth empowerment. By integrating the technical skills of money management—such as budgeting, debt navigation, and investment—with the proactive mindset of entrepreneurship, these programs provide a comprehensive toolkit for navigating the modern "gig" and digital economies.
The study analyzes various implementation models, including school-based curricula, community-driven workshops, and digital fintech platforms, to evaluate their effectiveness in fostering economic agency. Findings suggest that youth who participate in integrated literacy programs demonstrate significantly higher levels of risk management, long-term financial planning, and venture success compared to those receiving traditional academic instruction alone. Beyond individual wealth creation, the impact extends to community-level benefits, including increased job creation and enhanced social mobility. However, the research also identifies critical gaps, such as the need for sustained mentorship and equitable access to digital tools. Ultimately, this paper argues that fostering financial and entrepreneurial competencies is not merely an educational supplement but a fundamental requirement for building a resilient, self-sufficient generation capable of driving sustainable economic growth.},
        keywords = {Youth Empowerment, Financial Literacy, Entrepreneurial Mindset, Economic Resilience, Sustainable Development},
        month = {April},
        }