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Title: :  Transformations in Financial Networks Among Women Entrepreneurs Post-Demonetization: A Comparative Analysis by Family Structure and Digital Integration
PaperId: :  28030
Published in:   International Journal Of Advance Research And Innovative Ideas In Education
Publisher:   IJARIIE
e-ISSN:   2395-4396
Volume/Issue:    Volume 12 Issue 1 2026
DUI:    16.0415/IJARIIE-28030
Licence: :   IJARIIE is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author NameAuthor Institute
Prof. S. S. SarangdevotJanardan Rai Nagar Rajasthan Vidyapeeth
Vartika DashoraJanardan Rai Nagar Rajasthan Vidyapeeth

Abstract

Management
Demonetization, Women Entrepreneurs, Financial Networks, Digital Payments, Family Structure, Financial Inclusion
This study investigates the deviations and adaptive transformations in financial networks among women entrepreneurs in the aftermath of demonetization in India, with particular focus on differences based on family structure and digital integration. Demonetization disrupted conventional cash-based financial systems, compelling entrepreneurs to restructure their monetary transactions, credit access, and savings mechanisms. Women, especially those operating small or home-based businesses, were particularly vulnerable due to limited access to formal financial infrastructure and dependency on informal networks. Using a quantitative research design, the study analyzed survey data from 426 women entrepreneurs categorized by family type—nuclear and joint. Variables explored include access to bank loans, reliance on microfinance institutions, participation in government loan schemes, and adoption of digital payment methods. The analysis applied independent samples t-tests to examine differences in perceived impact across family structures. The findings reveal no significant difference in most financial variables; however, joint family respondents reported a greater impact on their participation in savings groups and cooperatives, while nuclear family respondents perceived a stronger influence of demonetization on access to government schemes. In addition, frequency analysis of digital payment adoption shows that over 56% of respondents “often” or “always” use digital payment methods, indicating a significant shift toward digital financial integration. These findings underscore the importance of inclusive digital literacy initiatives and the role of family dynamics in shaping entrepreneurial financial behavior. The study contributes to understanding how macroeconomic disruptions affect women-led enterprises and provides policy-relevant insights to strengthen their financial resilience and adaptability.

Citations

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IJARIIE Prof. S. S. Sarangdevot, and Vartika Dashora. "Transformations in Financial Networks Among Women Entrepreneurs Post-Demonetization: A Comparative Analysis by Family Structure and Digital Integration" International Journal Of Advance Research And Innovative Ideas In Education Volume 12 Issue 1 2026 Page 873-885
MLA Prof. S. S. Sarangdevot, and Vartika Dashora. "Transformations in Financial Networks Among Women Entrepreneurs Post-Demonetization: A Comparative Analysis by Family Structure and Digital Integration." International Journal Of Advance Research And Innovative Ideas In Education 12.1(2026) : 873-885.
APA Prof. S. S. Sarangdevot, & Vartika Dashora. (2026). Transformations in Financial Networks Among Women Entrepreneurs Post-Demonetization: A Comparative Analysis by Family Structure and Digital Integration. International Journal Of Advance Research And Innovative Ideas In Education, 12(1), 873-885.
Chicago Prof. S. S. Sarangdevot, and Vartika Dashora. "Transformations in Financial Networks Among Women Entrepreneurs Post-Demonetization: A Comparative Analysis by Family Structure and Digital Integration." International Journal Of Advance Research And Innovative Ideas In Education 12, no. 1 (2026) : 873-885.
Oxford Prof. S. S. Sarangdevot, and Vartika Dashora. 'Transformations in Financial Networks Among Women Entrepreneurs Post-Demonetization: A Comparative Analysis by Family Structure and Digital Integration', International Journal Of Advance Research And Innovative Ideas In Education, vol. 12, no. 1, 2026, p. 873-885. Available from IJARIIE, https://ijariie.com/AdminUploadPdf/Transformations_in_Financial_Networks_Among_Women_Entrepreneurs_Post_Demonetization__A_Comparative_Analysis_by_Family_Structure_and_Digital_Integration_ijariie28030.pdf (Accessed : ).
Harvard Prof. S. S. Sarangdevot, and Vartika Dashora. (2026) 'Transformations in Financial Networks Among Women Entrepreneurs Post-Demonetization: A Comparative Analysis by Family Structure and Digital Integration', International Journal Of Advance Research And Innovative Ideas In Education, 12(1), pp. 873-885IJARIIE [Online]. Available at: https://ijariie.com/AdminUploadPdf/Transformations_in_Financial_Networks_Among_Women_Entrepreneurs_Post_Demonetization__A_Comparative_Analysis_by_Family_Structure_and_Digital_Integration_ijariie28030.pdf (Accessed : )
IEEE Prof. S. S. Sarangdevot, and Vartika Dashora, "Transformations in Financial Networks Among Women Entrepreneurs Post-Demonetization: A Comparative Analysis by Family Structure and Digital Integration," International Journal Of Advance Research And Innovative Ideas In Education, vol. 12, no. 1, pp. 873-885, Jan-Feb 2026. [Online]. Available: https://ijariie.com/AdminUploadPdf/Transformations_in_Financial_Networks_Among_Women_Entrepreneurs_Post_Demonetization__A_Comparative_Analysis_by_Family_Structure_and_Digital_Integration_ijariie28030.pdf [Accessed : ].
Turabian Prof. S. S. Sarangdevot, and Vartika Dashora. "Transformations in Financial Networks Among Women Entrepreneurs Post-Demonetization: A Comparative Analysis by Family Structure and Digital Integration." International Journal Of Advance Research And Innovative Ideas In Education [Online]. volume 12 number 1 ().
Vancouver Prof. S. S. Sarangdevot, and Vartika Dashora. Transformations in Financial Networks Among Women Entrepreneurs Post-Demonetization: A Comparative Analysis by Family Structure and Digital Integration. International Journal Of Advance Research And Innovative Ideas In Education [Internet]. 2026 [Cited : ]; 12(1) : 873-885. Available from: https://ijariie.com/AdminUploadPdf/Transformations_in_Financial_Networks_Among_Women_Entrepreneurs_Post_Demonetization__A_Comparative_Analysis_by_Family_Structure_and_Digital_Integration_ijariie28030.pdf
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