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@article{194188,
        author = {Muhammad Kabir},
        title = {THE IMPACT OF FINANCIAL LITERACY ON FINANCIAL BEHAVIOR OF SECONDARY SCHOOL TEACHERS IN KANO STATE, NIGERIA},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {10},
        pages = {2812-2822},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=194188},
        abstract = {This study investigates the effects of financial literacy on financial behaviour of secondary school teachers in Kano State, Nigeria. A questionnaire survey of 386 teachers was conducted, sampled by random sampling method. The relationships between financial literacy, financial satisfaction, financial attitude and financial behaviour were analysed using the Principal Component Regression (PCR). The study thus indicated that financial literacy is indeed an important determinant for the financial behaviour, explaining almost 65.1% of the variance. The study, in short, shows that teachers with knowledge of finance display greater impact pertaining to financial behaviour, which marked responsible money management, savings and investment avenues. The authors recommended regular financial literacy promotion, tailored financial products and advisory services as possible means to improve the financial well-being of the teachers. A synergy is needed amongst governments, educational institutions, and financial organisations to ensure promotion of financial literacy and conduct of open financial behaviour amongst teachers. These findings add to the existing body of knowledge on the field of financial literacy and behaviour, providing concrete ideas for stakeholders to formulate an effective strategy to enhance financial literacy and behaviour among secondary school teachers in Nigeria.},
        keywords = {financial literacy, financial behavior, secondary school teachers, Kano State, Nigeria},
        month = {March},
        }