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Paper Title
Longitudinal Study on the Impact of Digital Literacy in Empowering Rural Women SHGs in India
Authors
Vishalakshi M
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.
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IJCRT — journal style
"Longitudinal Study on the Impact of Digital Literacy in Empowering Rural Women SHGs in India", IJCRT - International Journal of Creative Research Thoughts (www.ijcrt.org), ISSN:2320-2882, Vol.14, Issue 2, page no.d409-d418, February 2026, Available :https://ijcrt.org/papers/IJCRT2602392.pdf
APA — 7th edition
M, V. (2026). Longitudinal Study on the Impact of Digital Literacy in Empowering Rural Women SHGs in India. International Journal of Creative Research Thoughts, 14(2), d409-d418. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2602392
MLA — 9th edition
M, Vishalakshi. "Longitudinal Study on the Impact of Digital Literacy in Empowering Rural Women SHGs in India." International Journal of Creative Research Thoughts, vol. 14, no. 2, 2026, pp. d409-d418, https://ijcrt.org/viewpaperforall.php?paper=IJCRT2602392.
Chicago — 17th, bibliography
M, Vishalakshi. "Longitudinal Study on the Impact of Digital Literacy in Empowering Rural Women SHGs in India." International Journal of Creative Research Thoughts 14, no. 2 (2026): d409-d418. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2602392.
Harvard — author–date
M, V. (2026) 'Longitudinal Study on the Impact of Digital Literacy in Empowering Rural Women SHGs in India', International Journal of Creative Research Thoughts, 14(2), pp. d409-d418. Available at: https://ijcrt.org/viewpaperforall.php?paper=IJCRT2602392
IEEE — numbered reference
V. M, "Longitudinal Study on the Impact of Digital Literacy in Empowering Rural Women SHGs in India," IJCRT, vol. 14, no. 2, pp. d409-d418, Feb. 2026.
Vancouver — biomedical
M V. Longitudinal Study on the Impact of Digital Literacy in Empowering Rural Women SHGs in India. IJCRT. 2026 Feb;14(2):d409-d418.
AMA — 11th edition
M V. Longitudinal Study on the Impact of Digital Literacy in Empowering Rural Women SHGs in India. IJCRT. 2026;14(2):d409-d418. Accessed at https://ijcrt.org/viewpaperforall.php?paper=IJCRT2602392
BibTeX — Zotero, Mendeley, LaTeX
@article{IJCRT2602392,
author = {Vishalakshi M},
title = {Longitudinal Study on the Impact of Digital Literacy in Empowering Rural Women SHGs in India},
journal = {International Journal of Creative Research Thoughts},
volume = {14},
number = {2},
pages = {d409-d418},
year = {2026},
month = {February},
issn = {2320-2882},
url = {https://ijcrt.org/viewpaperforall.php?paper=IJCRT2602392}
}
RIS — EndNote, RefWorks
TY - JOUR
AU - M, Vishalakshi
TI - Longitudinal Study on the Impact of Digital Literacy in Empowering Rural Women SHGs in India
T2 - International Journal of Creative Research Thoughts
JA - IJCRT
VL - 14
IS - 2
PY - 2026
SN - 2320-2882
UR - https://ijcrt.org/viewpaperforall.php?paper=IJCRT2602392
SP - d409-d418
ER -
Issue
Volume 14 Issue 2,
February-2026
Pages : d409-d418
Article Information
- Published In
- International Journal of Creative Research Thoughts — Volume 14, Issue 2, February 2026
- Pages
- d409-d418
- Published
- February 2026
- Registration ID
- IJCRT_301655
- Published Paper ID
- IJCRT2602392
- Research Area
- Social Science All
- Author Type
- Indian Author
- Location
- Coimbatore, Tamil Nadu, India
- Peer Review
- Request Peer Review Report
- Licence
- CC BY 4.0 · Open Access
- ISSN & Impact Factor
- 2320-2882 · IF 9.17
- Downloads
- 131
- Permanent Link
- https://ijcrt.org/viewpaperforall.php?paper=IJCRT2602392
- Published Paper PDF
- https://ijcrt.org/papers/IJCRT2602392.pdf
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