SAVING AND SPENDING HABITS OF TRANSGENDER PEOPLE IN KERALA

Authors

  • Rathi K. N.* Assistant Professor, Department of Commerce, Sreekrishnapuram V T Bhattathiripad College, Mannampatta, Palakkad 678633. Author

Keywords:

Transgender Community, Saving and Spending Habits, Financial Inclusion, Sex Reassignment Surgery (SRS), Government Welfare Schemes in Kerala.

Abstract

This study sheds light on the challenges faced by transgender individuals in Kerala, including social inequality, financial instability, and limited access to government schemes. Key findings reveal that 93% of respondents are transwomen, with 44% below 25 years old. Over half rely on self-employment for income, prioritizing essential goods and medical necessities. Notably, 85% of those who underwent Sex Reassignment Surgery (SRS) struggle to meet daily expenses. To address these issues, the study recommends increased awareness of government schemes like Mazhavillu, Saphalam, Karuthal, and PRIDE. Policymakers should focus on mitigating social inequality, financial illiteracy, and unemployment to support the transgender community.

 

References

1. Bindu, R (2023). Jobs for all transgender persons to match qualifications in three years: Minister. https://www.thehindu.com/news/national/kerala/jobs-for-all-transgender-persons-to-match-qualifications-in-three-years-minister/article67015999.ece

2. Vijayan, P. (2023). Kerala Govt Launches New Scheme to Provide Jobs for Transgenders.

3. .https://www.outlookindia.com/national/kerala-govt-launches-new-scheme-to-provide-jobs-for-transgenders-news-298740

4. Social justice department (2023). Saphalam scheme for transgender students pursuing professional courses. Retrieved on 2023 September 18 from http://sjd.kerala.gov.in/scheme-info.php?scheme_id=MTcxc1Y4dXFSI3Z5

5. Social justice department (2023). Karuthal scheme for transgender persons. Retrieved from http://sjd.kerala.gov.in/scheme-info.php?scheme_id=MTc5c1Y4dXFSI3Z5

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Published

2026-02-26

Issue

Section

Articles

How to Cite

SAVING AND SPENDING HABITS OF TRANSGENDER PEOPLE IN KERALA. (2026). World Journal of Multidisciplinary Studies, 3(2), 39-47. https://wasrpublication.com/index.php/wjms/article/view/251

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