Krish is shortening the distance between scholarship and service-showing that real change begins not in papers, but in people.
Krish Gupta
While most teenagers are only just beginning to wrap their heads around the subtleties of economics, Krish Gupta has seen fit to take on one of its longest-standing wrongs: the continued inability of money systems to free women.
His article, "Divided by Wealth: A Deep Dive Into Women's Access to Credit," published in the International Journal of Advanced Research, Ideas and Innovations in Technology, explores how women everywhere are disadvantaged in credit systems shaped by conventional patriarchal assumptions. His work crosses the limits of academic prose-it outruns it, offering incisive analysis of how economic independence is consistently denied women, even in the context of modern, supposedly egalitarian financial systems.
What is remarkable about this paper is its comparative study of two economies (India and the United States) and how social expectations, archaic legal codes, and modern lending practices converge to create systemic exclusion. His findings expose the ingrained biases that taint credit approval, interest rates, and financial decision-making. Using Z-tests, policy analysis, and empirical evidence, he concludes that even liberal policies like the Equal Credit Opportunity Act cannot capture caregiving responsibilities, informal labor, and societal expectations that disproportionately weigh on women. His research argues that unless creditworthiness is reimagined, any reforms will be merely cosmetic, and women will continue to be excluded from financial systems built without their needs.
"Progress on paper doesn’t mean equity in practice," he notes. "Until women have equal access to credit and can control financial decisions, full gender equality won't be possible."
It is not the depth of his research that sets Krish apart, but his absolute commitment to democratizing knowledge. Assuming that most students most affected by financial exclusion will never read an academic journal, he came up with a solution: a small, visually appealing booklet that breaks down complex financial concepts-credit scores, loans, and interest-into a format that can be read by underserved youth. The booklet is designed as a classroom resource and self-study guide. It is now being distributed at the Vivekananda Public School, an NGO supported school that works with first-generation learners.
"Krish's work brings thoughtful research together with useful tools for those most in need," the NGO said, commending Krish’s work for their clarity, cultural awareness, and practicality.
To further propagate this movement, Krish launched a Spotify podcast, “MoneyWise for Teens,” that is available both on Spotify and Apple Music, focused on financial literacy for young people, thereby bringing financial empowerment to a generation that is highly skilled in the art of audio storytelling. In each episode of this series that has garnered around half-a-million plays, he skillfully breaks down the important points in simple language. His goal is straightforward: "To help young people, especially those excluded from these conversations, feel like money isn't a mystery."
When his classmates are arguing about career or college major, Krish is already leaving his impression on policy-level discourse. His vision has not changed: a financial system in which access, education, and opportunity are not the sole preserve of the privileged few. By asking big questions and creating tools for those who most desperately need answers, Krish is shortening the distance between scholarship and service-showing that real change begins not in papers, but in people.
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