ItemArticle

Understanding the determinants of financial and digital inclusion vulnerability among rural women in Odisha

Title
Understanding the determinants of financial and digital inclusion vulnerability among rural women in Odisha
Creator
Barik, Rajesh; Mahapatra, Sushanta Kumar; Pattayat, Shiba Shankar
Description
Purpose This study aims to examine the degree of financial and digital inclusion vulnerability among rural women in Odisha and the factors contributing to financial and digital inclusion vulnerability. Design/methodology/approach To achieve this objective, the study gathers 400 samples from two districts in Odisha: Jagatsinghpur and Jharsuguda. Applying the Standardized Composite Index method, the study constructs two distinct indexes: the Financial Inclusion Vulnerability Index (FIVI) and the Digital Inclusion Vulnerability Index (DIVI) among the rural women of Odisha. The study further uses a multinomial logit regression model to examine how various social, economic and demographic factors influence rural women's vulnerability to financial and digital inclusion. Findings The findings specify that the financial inclusion vulnerability index for rural women is significantly lower than the digital financial vulnerability index. The regression results reveal that factors such as younger women, Scheduled Castes women, having primary education and larger family sizes increase the likelihood of financial inclusion vulnerability. Likewise, concerning DIVI, factors such as older women, women from Scheduled Castes, marital status, primary level of education and larger family sizes heighten the likelihood of digital inclusion vulnerability. Originality/value It investigates the extent of vulnerability related to both financial and digital inclusion among these women and examines the factors influencing this vulnerability in rural Odisha. Emerald Publishing Limited
Source
International Journal of Sociology and Social Policy;Volume;46;Issue;2026-04-03 00:00:00;pp.533-549
Date
01-01-2026
Publisher
Emerald Publishing
Subject
Digital inclusion; Financial inclusion; Rural Odisha; Standardized composite index
Coverage
Barik R., Department of Economics and Finance, Birla Institute of Technology and Science (BITS), Pilani, K K Birla Goa Campus, Zuarinagar, India; Mahapatra S.K., Department of Economics, ICFAI School of Social Science, The ICFAI Foundation for Higher Education (IFHE) Deemed University, Dontanapally Campus, Hyderabad, India; Pattayat S.S., Department of Economics, CHRIST (Deemed to be University), Yeshwanthpur, Bangalore, India
Rights
Restricted Access; Hardcopy may be available in the library
Relation
ISSN: 0144333X;
Format
online
Language
English
Type
Article

Citation

Barik, Rajesh; Mahapatra, Sushanta Kumar; Pattayat, Shiba Shankar, “Understanding the determinants of financial and digital inclusion vulnerability among rural women in Odisha,” CHRIST (Deemed To Be University) Institutional Repository, accessed June 18, 2026, https://archives.christuniversity.in/items/show/22882.

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