دیبابراتا جانا - Bankura Sammilani College ,Bankura, West Bengal, India
آبهی جیت سینها - Department of Commerce, Vidyasagar University, Midnapore, West Bengal, India
آریندام گوپتا - Department of Commerce, Vidyasagar University, Midnapore, West Bengal, India

The present paper aims to identify the effect of demographic and socio-economic variables on financial literacy and its impact on the use of financial services. For this study, primary data are collected from ۴۰۰ unorganized sector workers of Paschim Medinipur district, also an economically development lagger in the state of West Bengal of India. The logit regression result shows that the main explanatory variables of financial literacy are occupation, income and educational qualification. Similarly, with regard to use, the main positive determinants are financial literacy, income and domicile. Thus, the outcome of this research has a significant outcome to guide the policy-makers in respect of improving financial literacy and inclusion.

Demographic factors, Financial literacy, Use of financial services, Unorganized sector, Logit