The report, titled “You Learn as You Go: Economic Risk & Reality for Women in Rural Arkansas,” surveyed more than 800 women and included in-depth conversations with over 100 participants statewide.
Key Findings
The study highlights several major challenges impacting rural women:
1 in 3 households cannot cover a $400 emergency, pointing to widespread financial instability
Many women learn financial management through trial and error, not formal education
While over 90% have bank accounts, distrust of financial institutions remains
More than 92% of women make household financial decisions, yet many don’t recognize their economic influence
Side jobs and entrepreneurship are often necessary for survival, not optional
The Role of Community Banks
According to Stone Bank President and CEO Nick Roach, the research provides critical insight into the challenges facing Arkansas families.
The report also emphasizes the importance of community banks as trusted advisors, especially in rural areas where access to financial tools and education can be limited.
Moving Toward Solutions
Leaders say the findings point to a need for increased investment in financial education, improved access to capital, and stronger partnerships with local institutions.
Officials with the Women’s Foundation of Arkansas say empowering women financially can strengthen entire communities and drive long-term economic growth across the state.
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