Digital Credit and Women-Led Homestay Enterprises: A Study of SHGs and Rural Commerce in the Eastern Himalaya (Darjeeling and Kalimpong)

Homestay tourism has transitioned from an informal practice to a vital component of rural economies, especially in areas such as Darjeeling and Kalimpong. This study explores how digital credit and Self-Help Groups (SHGs) support homestay businesses led by women. Although prior research has examined these factors individually, there is little comprehensive insight into how they work together. Using a qualitative method and secondary data, the research shows that digital credit improves access to financial resources, while SHGs play a crucial role in strengthening skills and enabling entrepreneurial initiatives. Homestays managed by women contribute meaningfully to household income and broader local development. Nonetheless, obstacles remain, including limited digital literacy, inadequate infrastructure, and shortcomings in policy frameworks. The findings underscore the importance of enhanced institutional backing and greater digital inclusion to advance sustainable rural economic activity and empower women entrepreneurs.