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Published Paper Details:
Longitudinal Study on the Impact of Digital Literacy in Empowering Rural Women SHGs in India
Authors
Vishalakshi M
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Keywords
Digital Literacy, SHGs, e-Shakti, Lakhpati Didi, Financial Inclusion, Socio-Technical Transformation, Rural Empowerment.
Abstract
The emergence of digital technology has done a metamorphic change in the entire lifestyle and livelihoods system. This technology has the potential to strengthen the process of financial inclusion and its impact as well. In India, self-help groups-led microfinance programmes have achieved significant success in financial inclusion, livelihoods promotion, and women empowerment. The recent upsurge in the usage of digital technology has been changing the whole self-help group movement and has vast potential to enhance the welfare of women's self-help groups in a variety of ways. This study examines the socio-technical transformation of Self-Help Groups (SHGs) in India, tracing their evolution from informal credit groups in the 1980s to digitized, enterprise-driven entities in 2026. Central to this transformation is Digital Literacy, which has evolved beyond basic smartphone usage into a tool for financial inclusion, market access, and social agency. By analysing flagship initiatives like NABARD's e-Shakti, Jharkhand's Tablet Didi, Kerala's Kudumbashree, and the Lakhpati Didi mission, the paper evaluates how digital tools have enhanced credit linkage (35% growth post-digitization) and transparency. While the "Phygital" model has empowered over 2 crore women to reach "Lakhpati" status, challenges such as the rural-urban connectivity divide, cyber-security fears among elderly members, and the high cost of data persist. The study concludes that digital literacy is the primary catalyst for transitioning rural women from subsistence-level livelihoods to formal enterprise ownership through platforms like SHE-Marts.
IJCRT's Publication Details
Unique Identification Number - IJCRT2602392
Paper ID - 301655
Author type - Indian Author
Page Number(s) - d409-d418
Pubished in - Volume 14 | Issue 2 | February 2026
DOI (Digital Object Identifier) -
No Of Downloads - 27
Author Country - India, 8015280678, Coimbatore, Coimbatore, 8015280678, Social Science All
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Vishalakshi M, "Longitudinal Study on the Impact of Digital Literacy in Empowering Rural Women SHGs in India", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.14, Issue 2, pp.d409-d418, February 2026, Available at :http://www.ijcrt.org/papers/IJCRT2602392.pdf
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