This study aims to assess the level of awareness and understanding of credit scoring with reference to CIBIL among female students, with a focus on identifying factors influencing their awareness and perceptions of credit scores. Despite the significance of credit scoring in financial decision-making, there is limited research on the awareness levels among female students, who represent a key demographic in shaping future financial landscapes. The research methodology involves quantitative surveys administered to a diverse sample of female students from various academic disciplines and socio-economic backgrounds. Through a mixed-methods approach, the study not only quantified the levels of awareness but also delved into the qualitative aspects of attitudes, perceptions, and potential barriers faced by female students in understanding credit scoring. A combination of quantitative surveys and qualitative interviews, we have identified patterns, perceptions, and potential barriers to understanding credit scoring among female students. Factors such as educational background, exposure to financial education, cultural influences, and personal experiences with credit will be examined to understand their impact on awareness and attitudes towards credit scoring. Furthermore, the research will explore potential interventions and educational initiatives aimed at enhancing awareness of credit scoring among female students. By identifying effective strategies for promoting financial literacy and empowering female students to navigate the credit landscape, the study seeks to contribute to the development of targeted interventions and educational programs. By shedding light on the current state of awareness and perceptions surrounding credit scoring among female students, this study aims to inform targeted interventions and foster a more financially empowered generation of women. Ultimately, empowering female students with the knowledge and skills to understand credit scoring will contribute to their long-term financial well-being and economic empowerment.
