INCOME UNCERTAINTY AND FINANCIAL DECISION MAKING AMONG GIG WORKERS IN THE KDMC REGION: IMPLICATIONS FOR THE ORANGE ECONOMY
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2026
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| author | Mr. Vicky Karnani Prof. Dr. Rita Khatri |
| author_facet | Mr. Vicky Karnani Prof. Dr. Rita Khatri |
| contents | <p><strong>Abstract</strong><br>Income volatility on digital platforms such as Uber and Swiggy affects thousands of gig workers in the Kalyan - Dombivli Municipal Corporation (KDMC) area. This review synthesised more than 50 recent studies and reports to examine how unstable earnings influence financial decisions and the prospects for participation in India’s “Orange Economy” the creative industries based on intellectual property and cultural expression. A systematic search across databases and grey literature (2020 2025) identified evidence that gig workers’ incomes fluctuate widely, with median monthly earnings around ₹12,000 and coefficients of variation approaching 0.5. Secondary surveys reveal that roughly two thirds of workers lack emergency savings and over half struggle to meet monthly expenses. Irregular pay forces many to prioritise rent, fuel and debt servicing over long term investments, leaving only one quarter using instruments like the Public Provident Fund. The review found that reactive financial choices survival budgeting and reliance on high interest loans limit the ability of gig workers to move into creative or cultural pursuits, constraining the Orange Economy’s growth. The study concludes with policy recommendations such as earned wage access, targeted financial literacy programmes and creative skills subsidies for KDMC gig workers. By linking income instability to financial behaviour, the review offers a KDMC specific synthesis that highlights the need for fintech and labour reforms to unlock the region’s creative potential.<br><strong>Keywords: </strong>Gig Workers, Orange Economy, Financial Decisions, Fintech, Labour Reforms.</p> |
| format | Recurso digital |
| id | zenodo_https___doi_org_10_5281_zenodo_19606977 |
| institution | Zenodo |
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| publishDate | 2026 |
| publisher | Zenodo |
| record_format | zenodo |
| spellingShingle | INCOME UNCERTAINTY AND FINANCIAL DECISION MAKING AMONG GIG WORKERS IN THE KDMC REGION: IMPLICATIONS FOR THE ORANGE ECONOMY Mr. Vicky Karnani Prof. Dr. Rita Khatri <p><strong>Abstract</strong><br>Income volatility on digital platforms such as Uber and Swiggy affects thousands of gig workers in the Kalyan - Dombivli Municipal Corporation (KDMC) area. This review synthesised more than 50 recent studies and reports to examine how unstable earnings influence financial decisions and the prospects for participation in India’s “Orange Economy” the creative industries based on intellectual property and cultural expression. A systematic search across databases and grey literature (2020 2025) identified evidence that gig workers’ incomes fluctuate widely, with median monthly earnings around ₹12,000 and coefficients of variation approaching 0.5. Secondary surveys reveal that roughly two thirds of workers lack emergency savings and over half struggle to meet monthly expenses. Irregular pay forces many to prioritise rent, fuel and debt servicing over long term investments, leaving only one quarter using instruments like the Public Provident Fund. The review found that reactive financial choices survival budgeting and reliance on high interest loans limit the ability of gig workers to move into creative or cultural pursuits, constraining the Orange Economy’s growth. The study concludes with policy recommendations such as earned wage access, targeted financial literacy programmes and creative skills subsidies for KDMC gig workers. By linking income instability to financial behaviour, the review offers a KDMC specific synthesis that highlights the need for fintech and labour reforms to unlock the region’s creative potential.<br><strong>Keywords: </strong>Gig Workers, Orange Economy, Financial Decisions, Fintech, Labour Reforms.</p> |
| title | INCOME UNCERTAINTY AND FINANCIAL DECISION MAKING AMONG GIG WORKERS IN THE KDMC REGION: IMPLICATIONS FOR THE ORANGE ECONOMY |
| url | https://doi.org/10.5281/zenodo.19606977 |