{"id":4168,"date":"2026-02-15T18:38:26","date_gmt":"2026-02-15T18:38:26","guid":{"rendered":"https:\/\/oidaijsd.com\/?page_id=4168"},"modified":"2026-02-15T18:38:38","modified_gmt":"2026-02-15T18:38:38","slug":"volume-19-issue-02-pg-83-108-2026","status":"publish","type":"page","link":"https:\/\/oidaijsd.com\/?page_id=4168","title":{"rendered":"Volume 19, Issue 02, Pg. 83-108, 2026"},"content":{"rendered":"<p><strong>OIDA International Journal of Sustainable Development<\/strong><br \/>\n<strong>Open-access peer-reviewed journal\u00a0<\/strong><\/p>\n<p><a href=\"https:\/\/doi.org\/10.64211\/oidaijsd190208\">https:\/\/doi.org\/10.64211\/oidaijsd190208<\/a><br \/>\n<img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-4029\" src=\"http:\/\/oidaijsd.com\/wp-content\/uploads\/2026\/01\/Logo-Cress-DOI.jpg\" alt=\"\" width=\"136\" height=\"42\" \/><\/p>\n<p><strong>Digital Financial Inclusion and Self-Help Groups in Malappuram: Opportunities and Challenges<\/strong><\/p>\n<p><strong>Sreeja \u00b9*, R. Jayalakshmi \u00b2<\/strong><br \/>\n<sup>1<\/sup> Karpagam Academy of Higher Education, Coimbatore, India.<br \/>\n<sup>2<\/sup> Department of commerce, Karpagam Academy of Higher Education, Coimbatore, India.<br \/>\n*Corresponding author: sreejaravindran18@gmail.com<\/p>\n<p>Volume 19, Issue 02, Pg. 83-108, 2026<\/p>\n<p><strong>Abstract:<\/strong> Digital financial inclusion is challenging to achieve, particularly among marginalised groups. SHGs, mostly known as Kudumbashree units in Kerala, play a vital role in empowering women and low-income communities through microfinance and entrepreneurial activities. Digital financial tools have transformed financial transactions, offering convenience, security, and accessibility. This paper explores awareness and adoption of digital financial tools and identifies the benefits and challenges of their use among members of Kudumbashree SHGs. The study&#8217;s findings offer recommendations for capacity-building initiatives to enhance digital financial inclusion among SHG members, fostering economic empowerment and financial stability.<\/p>\n<p>Keywords: SHGs, Digital financial tools, Kudumbashree<\/p>\n<p>Full-text paper <a href=\"http:\/\/oidaijsd.com\/wp-content\/uploads\/2026\/02\/19-02-08-617-IJSD-NR-25-R1.pdf\">download here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>OIDA International Journal of Sustainable Development Open-access peer-reviewed journal\u00a0 https:\/\/doi.org\/10.64211\/oidaijsd190208 Digital Financial Inclusion and Self-Help Groups in Malappuram: Opportunities and Challenges Sreeja \u00b9*, R. Jayalakshmi \u00b2 1 Karpagam Academy of Higher Education, Coimbatore, India. 2 Department of commerce, Karpagam Academy of Higher Education, Coimbatore, India. *Corresponding author: sreejaravindran18@gmail.com Volume 19, Issue 02, Pg. 83-108, 2026 Abstract: Digital financial inclusion is challenging to achieve, particularly among marginalised groups. SHGs, mostly known as Kudumbashree units in Kerala, play a vital role in empowering women and low-income communities through microfinance and entrepreneurial activities. Digital financial tools have transformed financial transactions, offering convenience, security, and accessibility. This paper explores awareness and adoption of digital financial tools and identifies the benefits and challenges of their use among members of Kudumbashree SHGs. The study&#8217;s findings offer recommendations for capacity-building initiatives to enhance digital financial inclusion among SHG members, fostering economic empowerment and financial stability. Keywords: SHGs, Digital financial tools, Kudumbashree Full-text paper download here<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"_links":{"self":[{"href":"https:\/\/oidaijsd.com\/index.php?rest_route=\/wp\/v2\/pages\/4168"}],"collection":[{"href":"https:\/\/oidaijsd.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/oidaijsd.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/oidaijsd.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/oidaijsd.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4168"}],"version-history":[{"count":1,"href":"https:\/\/oidaijsd.com\/index.php?rest_route=\/wp\/v2\/pages\/4168\/revisions"}],"predecessor-version":[{"id":4170,"href":"https:\/\/oidaijsd.com\/index.php?rest_route=\/wp\/v2\/pages\/4168\/revisions\/4170"}],"wp:attachment":[{"href":"https:\/\/oidaijsd.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4168"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}