FINANCIAL LITERACY AND DIGITAL INCLUSION AMONG WOMEN ENTREPRENEURS

A COMPREHENSIVE STRUCTURED REVIEW

Abstract

This systematic literature review (SLR) explores the financial literacy as well as digital inclusion intersection within women entrepreneurs, emphasizing the crucial role these factors play in fostering entrepreneurial success. The study begins by addressing the global rise of women entrepreneurs and the distinct obstacles they encounter in obtaining financial resources and digital tools, which are essential for business growth. The problem statement highlights the ongoing gender gap in financial literacy and digital inclusion, which limits women's entrepreneurial potential. To address this issue, we conducted a comprehensive search of scholarly articles from reputable databases such as Scopus and Econbiz, emphasising research published between 2019 and 2024. The study was organized according to the PRISMA framework, resulting in 26 final primary data sources that were analyzed. The findings are categorized into three themes: (1) digital financial literacy (DFL) as well as financial inclusion, (2) gender and financial inclusion, and (3) the influence of financial literacy with regard to business and economic development. The review also identifies key factors influencing this gap, including socio-cultural barriers, educational disparities, and limited approach to financial services as well as digital technologies. The conclusion emphasizes the need for targeted interventions and policy measures to strengthen financial literacy as well as digital inclusion within women entrepreneurs, thereby empowering them to fully leverage their entrepreneurial capabilities and contribute to economic growth. This study adds to the ongoing conversation about gender equity in entrepreneurship by providing insights for policymakers, educators, and practitioners who seek to support women within the entrepreneurial ecosystem.