Razi University

   Objective:  This study aims to explain the social and cultural factors affecting the financial independence of working women and to present a model of their strategies for achieving this independence and its consequences in Sanandaj. Method:  This research employed a qualitative approach using grounded theory. Data were collected through semi-structured interviews with 12 expert women with lived experience in financial independence, selected via theoretical and snowball sampling. Data analysis was conducted using open, axial, and selective coding techniques with MAXQDA software. Findings:  The findings revealed that women's financial independence in Sanandaj is a multidimensional, dynamic, and localized process. Causal conditions include intrinsic motivation (independence-seeking), family economic pressures, and changing cultural attitudes. Contextual conditions encompass family support, social and institutional support, financial facilities, and initial capital provision. Intervening conditions include legal and juridical barriers, social networking, and modeling successful women. The core category identified was "women's empowerment in the path to financial independence." Women's strategies include home-based business startups, learning specialized skills, resource and cost management, market development and marketing, and teamwork and participation. Consequences are manifested in economic and social achievements (economic sustainability, career advancement, job creation, and empowerment of others). Conclusion:  The financial independence of Sanandaj women not only improves their economic status but also enhances their social standing, boosts self-confidence, and empowers other women in the community. However, this path is accompanied by challenges such as work-family role conflict, legal barriers, and economic instability.