| _version_ | 1866901546810212352 |
|---|---|
| author | Garg, Shreya Mehrotra, Vandana |
| author_facet | Garg, Shreya Mehrotra, Vandana |
| contents | <p>This study examines the role of household decision-making power in shaping retirement-saving behaviour among working women. Drawing on theories of intra-household bargaining, gender roles and life-course perspectives, the paper develops a conceptual framework linking indicators of women’s household agency (control over financial resources, participation in key household decisions, and financial literacy) to retirement saving outcomes (formal pension participation, private retirement account contributions, and precautionary savings). Using a mixed-methods approach, the research proposes an empirical strategy combining representative survey data with instrumented measures of bargaining power to identify causal effects and to account for selection into employment and heterogeneous labour histories. The paper anticipates that greater household decision-making power increases both the probability of participating in formal retirement schemes and the propensity to make voluntary retirement contributions, though effects will vary by marital status, caregiving responsibilities and occupational sector. Policy implications include targeted financial literacy programs, gender-responsive pension design that accounts for interrupted careers, and interventions that strengthen women’s control over household financial decisions to close the gender pension gap. The study contributes to debates on gendered financial security in later life and offers practical policy recommendations for improving retirement adequacy among working women</p> |
| format | Recurso digital |
| id | zenodo_https___doi_org_10_5281_zenodo_18205583 |
| institution | Zenodo |
| language | |
| publishDate | 2026 |
| publisher | Zenodo |
| record_format | zenodo |
| spellingShingle | Role of Household Decision-Making Power In Retirement Saving Behaviour of Working Women Garg, Shreya Mehrotra, Vandana Household decision-making power Retirement saving Working women Intra-household bargaining Financial literacy Pension participation. <p>This study examines the role of household decision-making power in shaping retirement-saving behaviour among working women. Drawing on theories of intra-household bargaining, gender roles and life-course perspectives, the paper develops a conceptual framework linking indicators of women’s household agency (control over financial resources, participation in key household decisions, and financial literacy) to retirement saving outcomes (formal pension participation, private retirement account contributions, and precautionary savings). Using a mixed-methods approach, the research proposes an empirical strategy combining representative survey data with instrumented measures of bargaining power to identify causal effects and to account for selection into employment and heterogeneous labour histories. The paper anticipates that greater household decision-making power increases both the probability of participating in formal retirement schemes and the propensity to make voluntary retirement contributions, though effects will vary by marital status, caregiving responsibilities and occupational sector. Policy implications include targeted financial literacy programs, gender-responsive pension design that accounts for interrupted careers, and interventions that strengthen women’s control over household financial decisions to close the gender pension gap. The study contributes to debates on gendered financial security in later life and offers practical policy recommendations for improving retirement adequacy among working women</p> |
| title | Role of Household Decision-Making Power In Retirement Saving Behaviour of Working Women |
| topic | Household decision-making power Retirement saving Working women Intra-household bargaining Financial literacy Pension participation. |
| url | https://doi.org/10.5281/zenodo.18205583 |