THEMATIC ANALYSIS OF FINANCIAL LITERACY AMONG PERSONS WITH DISABILITIES: CHALLENGES, OPPORTUNITIES AND EMPOWERMENT

Abstract Financial literacy is a crucial life skill that enables individuals to make informed decisions regarding saving, investment, budgeting, and financial planning. For persons with disabilities (PwDs), financial literacy assumes greater significance due to structural inequalities, limited employment opportunities, and dependence on social security schemes. Despite policy initiatives and inclusive financial programs, PwDs continue to face significant barriers in accessing financial knowledge and services. This thematic research paper examines the concept of financial literacy among persons with disabilities through a review-based thematic analysis. Major themes identified include access barriers, role of family and socialisation, digital financial inclusion, education and skill development, and policy-level interventions. The paper highlights gaps in existing systems and emphasises the need for inclusive, accessible, and disability-sensitive financial education programs to promote economic empowerment and social inclusion of persons with disabilities. Keywords: Financial literacy, Persons with Disabilities, Financial inclusion, Economic empowerment, Disability studies