Distribution of Financial Roles in Households Considering Gender Factors

Abstract

This study examines gender-specific patterns in household financial behavior based on a survey of 123 respondents. The analysis focuses on four dimensions: responsibility for managing the household budget, frequency of financial audits, investment orientation, and self-assessed financial literacy. Chi-square tests revealed a statistically significant association between gender and budget management responsibility (χ² = 8.74, p = 0.013), with 66.7% of women reporting primary responsibility compared to 33.3% of men. No statistically significant differences were found for investment orientation (χ² = 1.79, p = 0.774), financial audit frequency (χ² = 0.56, p = 0.755), or financial literacy (χ² = 0.38, p = 0.984). Correlation analysis showed moderate associations between budget responsibility and structural factors such as marital status and income source. Ordinal logistic regression identified marital status as a significant predictor of audit frequency (p = 0.038), while other variables were not significant. Gender differences in operational financial roles were confirmed for budget responsibility, whereas no meaningful divergence was identified in strategic attitudes. Future research may benefit from incorporating qualitative methods to explore subjective financial experiences and decision-making rationales, particularly in relation to cultural norms and informal constraints. Comparative regional or longitudinal studies may further clarify the evolution of gendered financial practices under varying institutional conditions.