Crossref JGate SDG Google Scholar Open Access Creative Commons WorldCat OCLC DORA Scilit Semantic Scholar SDG
Rural Women Empowerment through Digital Financial Literacy in Virudhnagar, Tamilnadu
ARTICLE PDF FILE

Keywords

Women Empowerment
Digital financial literacy
Rural Women
Fintech Adoption

Categories

How to Cite

S, D., & M, R. M. (2026). Rural Women Empowerment through Digital Financial Literacy in Virudhnagar, Tamilnadu. South India Journal of Social Sciences, 24(3), 48-51. https://doi.org/10.62656/SIJSS.v24i3.2407

Abstract

In the present world, digitalization has become an integral part of everyday life. Especially, women are using fintech services for managing their finances. This study analyzed how exactly the rural women got empowered by using of financial transactions and banking operations conducted through digital platforms. Women Empowerment is considered as a dependent variable, while; Digital financial literacy is treated as independent variable. Respondents of this research were selected by using convenient technique sampling The researcher gathered data from 400 rural women from the district of Virudhunagar in Tamil Nadu, through a well-structured questionnaire. SPSS and AMOS was used for analyze the data. Confirmatory Factor Analysis was utilized for confirming the factors of literacy and women empowerment. Finding from the Path Analysis shows that 50% of the Virudhunagar rural women got empowered via digital financial literacy, especially on economic empowerment.

ARTICLE PDF FILE

References

1. Bongomin, G. O. C., Ntayi, J. M., Munene, J. C., & Akol, C. M. (2017). Financial literacy in emerging economies: Do all components matter for financial inclusion of the poor? Managerial Finance, 43(12), 1310–1331. https://doi.org/10.1108/MF-04-2017-0117

2. Chhillar, N., Arora, S., & Chawla, P., (2024). Measuring digital financial literacy: Scale development and validation. Thailand and The World Economy, 42(1), 110–145.

3. Consultative Group to Assist the Poor.,(2022). Advancing women’s digital financial inclusion. CGAP. https://www.cgap.org

4. Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2019). Multivariate data analysis (8th ed.). Cengage.

5. Hasan, M., Le, T., & Hoque, A. (2020). How does financial literacy impact on inclusive finance? International Journal of Bank Marketing, 38(2), 285–303.

6. Holmes-Smith, P. (2011). Structural equation modeling using AMOS: Basic concepts, applications and programming (3rd ed.). SPSS.

7. International Telecommunication Union., (2019). Measuring digital development: Facts and figures 2019. ITU Publications. https://www.itu.int

8. Ozili, P. K. (2018). Impact of digital finance on financial inclusion and stability. Borsa Istanbul Review, 18(4), 329–340. https://doi.org/10.1016/j.bir.2017.12.003

9. Parandy, L. M., Dewa, D. M. R. T., Pramono, S. A., Suwondo, J. P. R., & Nurdiani, T. W. ,(2024). Analysis of the influence of digital financial literacy understanding on the profitability of small and medium micro enterprises. Journal Sistim Informasi Dan Teknologi, 6(1), 19–23. https://doi.org/10.60083/jsisfotek.v6i1.341

10. Reserve Bank of India., (2020). National strategy for financial education (2020–2025). RBI. https://www.rbi.org.in

11. Shehadeh, M., Dawood, H. M., & Hussainey, K.,(2024). Digital financial literacy and usage of cashless payments in Jordan: The moderating role of gender. International Journal of Accounting & Information Management. Advance online publication. https://doi.org/10.1108/IJAIM-03-2024-0115

12. Syahnur, K. N. F., Syarif, R., & Arianti.,(2024). The effect of digital financial literacy and digital financial inclusion on women’s entrepreneurship empowerment. Jurnal Management Bisnis, 11(1), 175–187. https://doi.org/10.33096/jmb.v11i1.662

13. UN Women.,(2020). Progress on the Sustainable Development Goals: The gender snapshot 2020. UN Women. https://www.unwomen.org

14. World Bank. (2021)., The global Findex database 2021: Financial inclusion, digital payments, and resilience in the age of COVID-19. World Bank. https://www.worldbank.org

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

Copyright (c) 2026 South India Journal of Social Sciences

Disclaimer: This site displays third-party advertisements provided through Google AdSense. We do not control the content of these ads and do not endorse any products or services advertised. Ad revenue helps minimize APCs and supports the ongoing maintenance, development, and open accessibility of this academic journal.